CITIBUSINESS CARD

Experience higher purchasing power to get your business going further.

Experience higher purchasing power to get your business going further.

Enjoy better control and flexibility with CitiBusiness card.

Take your business even further with the best credit card for business with effective payment tools designed for the increasingly sophisticated needs of the SME. Citibank business credit cards are tailored specifically to meet the financing needs of small and medium enterprises.

Top 3 reasons to get a CitiBusiness Card:

  • Earn 50% more Citi Rewards Points that never expire.
  • Greater Financial Control.
  • Complimentary Travel Insurance.
Benefits

Empowering You To Make The Most Of Every Business Opportunity

  • Higher business-size credit lines (up to RM250,000) to cater to your every growing business needs.
  • Interest-free credit period for your business expenses.
  • Credit line is separate from existing personal card credit limit held with the bank*
  • Supplementary business credit cards for your directors and trusted employees for their business expenses.
  • Set individual employee credit limits giving you better financial control over business expenses.
  • Comprehensive monthly-consolidated business statement reflecting total spending by expense category, specific merchants and individual credit card member (owner and employee) activities.
  • Personal Accident Benefits: up to RM570,000
  • Travel Inconvenience Coverage (limit per cardmember):
    • Flight Delays: Up to RM675 for delay longer than 4 hours.
    • Miss Flight Connection: Up to RM675 for miss connecting flights lasting more than 4 hours.
    • Baggage Delay: Up to RM675 if your luggage is not delivered within 6 hour when travel to overseas.
    • Baggage Loss: Up to RM2,000 if your luggage is lost or not delivered within 24 hours when travel to overseas.
    • Baggage Damage: Up to RM250.

    Click here to view the full complimentary insurance benefits for your credit card. For enquiries and claims, please contact ACE Jerneh Insurance Berhad at 1800-88-2393 1800-88-2393.

  • With your CitiBusiness Card, you can also enjoy access to exclusive healthcare packages carefully selected to help you look after your well-being and maintain your health.
    • 20% discount on all Executive Screening Packages (excluding medical officers and specialists' consultation fees)
    • 15% discount on all walk-in hospital room rates (only from RM120.00 and above)
  • For enquiries and appointment, please visit www.kpjhealth.com.my for details of specialist hospitals in the KPJ Healthcare Network.
  • Privilege is valid at 20 participating hospitals only. Please refer to list of participating hospitals
  • Promotions, promotional events and screening packages may vary and are subject to availability at the participating hospital.
  • The following discount is only applicable if payment is fully paid via Citibank CitiBusiness Card.

    KPJ Care for Life

    *Operated by KPJ. Terms and conditions apply.

  • Enjoy great deals from over 25,000 places globally on entertainment, hotels, shopping, travel, golf and lifestyles.
  • For comprehensive list of the deals, click here.
  • 24 hours customer service lines (CitiPhone) to check on the status of your business credit card and make any enquiries.
  • 24 hours banking services to do banking transactions at any time of the day.
  • Exchange the points with business specific items in addition to our normal Rewards catalog.
  • 1.5X reward points for every Ringgit spent.
  • All our Citibank credit cards give you worldwide recognition.
  • You don't have to worry whether your credit card is being accepted or not.

* Subjected to Terms and Conditions of applying with company bank statement as income documents.

Features

Flexibility

Balance Transfer Rate Click here to view the latest offer
Finance Charges for Purchases

8.88% p.a. (daily interest) - Cardmembers with prompt payments of more than 50% of their monthly outstanding balances for 12 consecutive months.

15% p.a. (daily interest) - Cardmembers with prompt payments of less than or equal to 50% of their monthly outstanding balances for 12 consecutive months.

17% p.a. (daily interest) - Cardmembers with prompt payments for 10 or more months in the last 12 months.

18% p.a. (daily interest) - Cardmembers who do not fall within the above categories.

Cash Advance 5% of cash amount (min RM 20) and 18% per annum daily interest.
Interest Free Period

20 days from the statement date and applicable only for cardmember who pays in full on or before the payment due date. If cardmember opts to pay partial or minimum payment, finance charges for retail transactions will be calculated from the day transactions are posted to the card account.

Maximum Credit Limit RM450,000
Annual Fee RM200.00 per annum
Supplementary Fee RM100.00 per annum

Manage your Account

Accessibility
  • Citibank Online
  • CitiPhone banking
  • ATM
  • Over the counter
  • Worldwide acceptance
Payment Methods
  • Citibank Online
  • Automatic Direct Debit (One bill)
  • Funds transfer
  • CitiPhone Banking

Citibank Online

  • Business Credit Card Account Information
  • E-Statement
  • Online Bill Payment
  • Mobile Bill Payment
  • Mobile Prepaid Reload
  • Fund Transfer
  • Citi Alerts
  • Rewards Redemption
  • Get more from your Citibank card.
  • Citi Rewards Citi Cards are simply the most rewarding way to pay.
CitiBusiness Terms & Conditions with effect January 7, 2015 Click here.

CitiBusiness Terms & Conditions until January 6, 2015.

These are the terms and conditions governing the legal relationship between Citibank Berhad and you, in respect of all CitiBusiness credit cards issued at your request. You are deemed to have accepted these terms and conditions and are bound by them once you or your Cardmember, as the case may be, start using the CitiBusiness credit card(s). In this respect, the activation of the CitiBusiness Card(s), your or your Cardmember’s signature or confirmation on any transaction record, sales draft, credit vouchers, cash withdrawal slip, any charge record and/or return of acknowledgment of receipt slip will constitute binding and conclusive evidence of your acceptance of these terms and conditions. As such, you should read and understand these terms and conditions before doing any of the above or allowing your Cardmember(s) to do so.

Further, these terms and conditions may be superseded by variations, revisions or changes from time to time and at any time, subject to prior notice and we are obliged to inform you that the retention or use of any CitiBusiness credit card(s) after the effective date of such variations, revisions or changes will constitute your acceptance of such variations, revisions or changes without any reservation.

Definitions

In these terms and conditions, the following definitions will apply.

The word "ATM" means automated teller machine.

Authorities” means any competent regulatory, prosecuting, tax or governmental authorities in any jurisdiction, domestic or foreign.

"Authorised Owner" means the individual whom you have designated in writing as being authorised to apply for the Card Account and perform all administrative duties for and on your behalf, including giving us instructions (oral or in writing) and settling all payments due under the Card Account. For the avoidance of doubt, any provisions in these terms and conditions affecting or relating to the Authorised Owner in his capacity as Authorised Owner and not as a Cardmember, if applicable, will be binding on you.

"Authorised Signatory" means the individual or individuals, including the Authorised Owner, whom you have designated in writing as being authorised to give instructions and perform all administrative duties for and on your behalf. This includes settling all payments due under the Card Account and instructions to us to do so must be in writing. For the avoidance of doubt, any provisions in these terms and conditions affecting or relating to the Authorised Signatory in his capacity as Authorised Signatory and not as a Cardmember, if applicable, will be binding on you.

"Business" means the business entity which may be a corporation, partnership, sole proprietorship or such business entity at whose request and for whose benefit the Card is issued and includes the successors-in-title, heirs and personal representatives, as the case may be.

"Card", unless stated otherwise, means one or more credit cards, with or without cash rebate facility, or other access devices such as account numbers, that we have issued to permit a Cardmember to obtain credit under these terms and conditions.

"Card Account" mean the VISA and/or MasterCard business credit card account which we have opened in your name and include all Sub-Accounts unless expressly provided otherwise.

"Cardmember", unless stated otherwise, means any individual or individuals who have or have been issued a Card or Cards under the Card Account.

"Citigroup Organisation" means any affiliate or subsidiary of Citigroup, Inc, present and/or future including any branches and/or representative officers of such affiliate and/or subsidiary.

"Credit Limit" means the limit of the credit granted by us to the Business under the Card Account and includes all Sub-Limits, if applicable.

"Current Products Payment Sum" means the total of all monthly instalments which are due and payable by you to us, in accordance with the terms and conditions of the products implemented, amended and/or substituted by us, which are shown as due in the statement or in any other written notice communicated by us to you.

"Guarantor" means one or more of those individuals and/or corporations as we may have identified or will identify as being required or who has or have agreed to stand as guarantor(s), to guarantee the repayment of all amounts due and owing to us under or in connection with the Card Account. This will include his/their estate, heirs, personal representatives, successors-in-title and permitted assignees. If the term "Guarantor" comprises of more than one individual and/or corporation, the liability of these individuals and/or corporation shall be joint and several.

"MasterCard" or "MasterCard International" means MasterCard International Incorporated, a company registered under the laws of Delaware, U.S.A. and whose office is situated at 2000 Purchase Street, NY 10577-2509 and includes its successors-in-title and assignees.

"MEPS" means Malaysian Electronic Payment System (1997) Sdn Bhd, a service providing ATM network banks and financial institutions.

"Ordinary Transactions" means all transactions effected through the use of the Card which are not transactions in respect of which the Current Products Payment Sum is payable.

"Payment Infrastructure Provider" means a third party that forms part of the global payment system infrastructure, including without limitation communications, clearing or payment systems, intermediary banks and correspondent banks.

"Shared Limit" means the Credit Limit which you have elected to be shared by all Cardmembers, without assigning any specific Sub-Limit to any Cardmember, provided that the total amount incurred by all Cardmembers does not exceed the Credit Limit at any time.

"Sub-Account" means the sub-account which you have assigned to the Cardmember, under the Card Account.

"Sub-Limit" means the sub-limit which you have assigned to the Cardmember, if applicable, from the Credit Limit, provided the aggregate of all Sub-Limits does not exceed the Credit Limit.

"Taxes" means all taxes, levies, imposts, charges, assessments, deductions, goods and services tax, value added taxes, tax on the sale or disposition of any property, duties, withholdings and related liabilities, including additions to tax, penalties and interest imposed on or in respect of any products and/or services you have taken from the Bank; provided that “taxes” does not include income or franchise taxes imposed on or measured by the net income of Citibank or its agents.

"Third Party Service Provider" means a third party selected by Citigroup, Inc, Citigroup Organisation, we and/or their/our officers, directors, employees, agents, representatives and/or professional advisers, to provide services to them/it and who is not a Payment Infrastructure Provider. Examples of Third Party Service Providers include technology service providers, business process outsourcing service providers and call centre service providers.

"Visa" or "Visa International" means VISA International Service Association, an association incorporated in the State of Delaware, United States of America with its registered office at 900, 901, 800, Metro Center Boulevard, Foster City, CA 94404-2172,United States of America of which we are a member institution and includes its successors-in-title and assignees.

"We", "Us", "Our" and "the Bank" means Citibank Berhad (297089-M), the issuer of the Card(s).

"your Other Bank Accounts" means your other bank account(s) with us apart from the Card Account and includes any joint account with a third party and account(s) with us for any banking facilities granted to you solely or jointly with a third party.

"You", "Your" and "Yours" means all persons responsible for complying with these terms and conditions, including the Business, the Cardmember and the Guarantor.

1. Evidence of Agreement

  • These terms and conditions will become effective and binding on you once any Cardmember signs, activates or uses the Card.
  • The use of any Card and the operation of the Card Account is subject to our prevailing terms, conditions and regulations governing your Other Bank Accounts with us (including your joint account with a third party), if applicable, Bank Negara Malaysia Guidelines and Directives, Foreign Exchange Administration Rules and any relevant laws for the time being in force.

2. Sub-Account, Card Account and Related Liabilities

  • You will not be issued a Card under the Card Account (but excluding the Sub-Account). However, at your request and at our discretion, a Card may be issued to an individual whom you have nominated to be a Cardmember, provided that the total number of Cards issued does not exceed ninety nine (99).
  • Each Cardmember will have a Sub-Account which all transactions effected by the Cardmember through the Card and fees/charges imposed in respect of the Card will be charged to.
  • The Card Account is made up of all Sub-Accounts and all amounts incurred under each Sub-Account will automatically be deemed to be incurred under the Card Account.
  • You are solely liable for all amounts due and owing under the Card Account including each Sub-Account, even if any Cardmember has breached or exceeded the authority which you have given to such Cardmember.

3. Using the Card and the Credit Line

  • The initial Credit Limit granted to you and the Shared Limit or the Sub-Limit assigned to the Cardmember will appear on the respective Card carriers.
  • If you have assigned a Sub-Limit to each Cardmember, you may vary the Sub-Limit of each Cardmember at any time, provided the total of all Sub-Limits is less than or equal to the Credit Limit given to you.
  • We may change the Credit Limit at any time at our discretion as we deem fit. We will notify you of any new Credit Limit through the billing statement sent to you or by sending you a notice by any mode of communication as we deem fit (including post, facsimile transmission, electronic mail, digital transmission and short messaging service). However, any change(s) may take effect before your receipt of notification from us. You may request a change to the Credit Limit by contacting us through CitiPhone Banking or sending us written instruction to the address or facsimile number set out in Clause 20 below, via electronic mail and any other modes of communication which we may designate from time to time with notice to you.
  • If the Credit Limit, the Shared Limit and the Sub-Limit assigned to each Cardmember is observed, each Cardmember is allowed to make retail purchases wherever the Card is honoured and/or obtain a cash advance from our bank counters or ATM which accept the Card.
  • The total amount charged to the Card Account, including purchases, balance transfers, cash advances, finance charges, fees and any other charges, must not exceed the Credit Limit. However, you must still pay us if that total amount exceeds the Credit Limit. At our discretion as we deem fit, we may approve transactions that cause the Cardmember and you to exceed the Sub-Limit, the Shared Limit and/or the Credit Limit, without waiving our rights under these terms and conditions.

4. Authorised Owner and Authorised Signatory

  • In relation to the Card Account, we will only recognise and accept instructions and/or communications given to us by the Authorised Owner and/or Authorised Signatory whose instructions and/or communications will be deemed to be from you. Instructions and/or communications from the Authorised Owner may be oral or in writing but if it originates from the Authorised Signatory, it must be in writing.
  • If we receive contradictory instructions from the Authorised Owner and the Authorised Signatory, the Authorised Owner's instructions shall prevail. However, if we have already acted upon any instructions, we shall be entitled to ignore any subsequent contradictory instructions even if they are from the Authorised Owner.
  • All communications, information, documents and the Card if given to the Authorised Owner will be deemed as given to you. It is sufficient if any communications, information, documents and/or the Card required to be given to you, is given to the Authorised Owner.
  • In relation to each Sub-Account, we will only recognise and accept instructions and/or communications made orally or in writing to us if they are given by the relevant Cardmember of the Sub-Account, unless such instructions relate to any increase in his Sub-Limit, Shared Limit and/or the Credit Limit. This does not affect the authority given to the Authorised Owner and Authorised Signatory under these terms and conditions. Regardless of the above, we have the discretion to decide whether to act on any instruction or communication from any Cardmember.
  • The Bank may refuse to act on any instructions given by the Authorised Owner, Authorised Signatory and/or you if such instructions are inconsistent with any applicable law, rule or other regulatory requirement of any jurisdiction, domestic or foreign, or any agreement entered into with and between Authorities or if we (or Citigroup, Inc, Citigroup Organisation or our or their Third Party Service Providers) reasonably believe that by carrying out the instructions we (or Citigroup, Inc, Citigroup Organisation or our or their Third Party Service Providers) might break a law or regulation or other duty that applies to you or them as well as block the Card Account(s), any payments and/or transactions.

5. Card

  • The Card will be delivered to you and you must ensure that the Card is delivered to the respective Cardmember together with a copy of these terms and conditions.
  • At all times, the Card is our property and upon our request or the request of our duly authorized agent, the Card must be surrendered to us immediately. Upon expiry of the Card, you must cut the expired Card into halves or several pieces across the magnetic strip and the microchip embedded in the Card (if any) so that those components are completely damaged and immediately surrender the expired Card to us and at our discretion, we may issue a new Card. The Card is valid as long as the Card Account is not terminated. Upon the termination of the Card Account for any reason, the use of the Card will also terminate.
  • The Card cannot be transferred and must be used exclusively by the person whose name appears on the Card. The Card cannot be pledged as security for any purpose.
  • The Card may be used in connection with the facilities made available by us, including the following:-
    1. the payment for purchase of goods and/or services which will be charged to the Sub-Account and the Card Account;
    2. any ATM transactions effected through your Other Bank Account(s);
    3. any cash advance facility which will be debited from the Sub-Account and the Card Account; and
    4. any other facilities as may be offered by us, subject to prior arrangement with us.
  • The Card must not be used for any unlawful activities. Any online betting and/or gambling activities are also prohibited and you agree that we do not owe you any duty and/or obligation to monitor and block the use of the Card for any unlawful activities. If we find that any Card has been used for unlawful activity, we will be entitled to exercise our right to terminate the Card Account and immediately terminate the use of the Card. Credits of any winning, unspent chips, or other value usable for gambling transactions will not be accepted nor credited into the Sub-Account or the Card Account.
  • The Card must only be used for legitimate business and/or commercial purposes. If we deem any business or commercial purposes as unacceptable, we are entitled to block the authorisation for the use of the Card. However, you are still liable for all amounts incurred through the use of the Card even if the Card is not used for legitimate business or commercial purposes.
  • Only the Authorised Owner may terminate the use of any Card at any time by giving us a written notice and returning the Card cut in halves or several pieces across the magnetic strip and across the microchip embedded in the Card (if any) to us at their own costs and expense. Termination of the use of a Card does not necessarily terminate the operation of the Card Account unless this is also requested in writing. No refund of the annual fee or any part of it will be made and you remain liable for any transaction effected through the use of the Card prior to its termination.

6. Citibank Credit Card Products

  • We may introduce special products or programs linked or related to the use of the Card including products or programs that offer promotional rates, reduced rates or interest, interest-free days, instalment or repayments plans or other special terms as we may apply to a category of transactions. We will inform you of the terms and conditions of these products or programs at the time when they are introduced. The terms and conditions of these products and programs are binding on you as if they were contained in these terms and conditions. If there is any conflict between these terms and conditions and those of the special products or programs, the latter will prevail unless the terms and conditions of the special products or programs state otherwise.
  • More than one special product or program may apply to the Card and/or the Card Account at the same time. We have the right to introduce and terminate any special products and programs at our discretion by giving notice to you.

7. Transactions with Merchants

  • You expressly consent that we may disclose the account number (or any new, renewed or replaced Card) and any other necessary information, including your last known address, to facilitate the use of the Card or the processing of any transaction effected through the use of the Card to any merchant or their successors-in-title or assigns or any interested persons whom the Card may be presented to or to any member institution of VISA International and/or MasterCard International.
  • Without affecting the provisions above, we are not responsible for the refusal of any merchant or member institution of VISA and/or MasterCard to honour or accept the Card or for any defect or deficiency in the goods or services supplied to the Cardmember by any merchant.
  • We are not responsible for goods and services purchased with the Card, whether at the merchant's premises, via written instructions sent by mail, email or facsimile, telephone order, online internet or any other means by which you have authorised the use of the Card for the purchase of goods and services. You agree to settle all disputes directly with the merchant who honoured the Card or the member institution of VISA and/or MasterCard and you will pay us all amounts required by these terms and conditions despite such disputes. You are not entitled to set-off or counterclaim against us or to withhold payment to us on account of such complaint or under any circumstances in respect of the claim against the merchant or the member institution of VISA and/or MasterCard.
  • The Cardmember should ensure that the transaction amount is correct before signing any sales drafts, credit vouchers, charge records and/or any transaction records given to the Cardmember by merchants or a financial institution when the Cardmember uses the Card and before the Cardmember enters his PIN or other identifying number or password at an electronic banking facility or internet. By signing any sales drafts, credit vouchers, charge records or transaction report or entering the PIN or other identifying number or password at an electronic banking facility or internet, the Cardmember indicates his acceptance that the transaction amount is correct and you are bound by the Cardmember's acceptance.

8. Auto-Billing Facilities with Merchants

For the purpose of this Clause: -

"Service" means the auto-billing service which you or the Cardmember have/has registered with us or the Merchant(s) in relation to payments due to the Merchants under which you authorise us to auto-debit the Card(s) of such amount(s) for purposes of making recurring charges to the Merchant(s) on a monthly basis or at other intervals which we have been notified in writing from time to time.

"Merchant" or "Merchants" mean the merchants included for the Service from time to time.

  • If a replacement card is obtained by reason of fraud, replacement of a lost, stolen or damaged card, renewal of an expiring card or upgrading of an existing card, we may (but are not obliged) to transfer all existing instructions for the Service to the replacement Card(s) to ensure the non-interruption of the Service.
  • If the replacement Card option is not applicable, we may at our discretion (which discretion shall not be questioned) elect not to make any payment of the said charges to all or any of the Merchants, in which case you will be responsible for paying the unpaid charges directly to the Merchant(s) by other means.
  • You and the Cardmember expressly authorise us to disclose the replacement card details to the Merchant(s) for purposes related to providing the Service and expressly consent to such disclosure and confirm that no further consent is necessary or required. We are not liable in any way for disclosing such information. You agree that your consent in this document constitutes your consent for any such disclosure for the purposes of any requirement, whether statutory, contractual or otherwise and whether or not having any force of law.
  • In consideration of us agreeing to provide the Service, you agree to indemnify us against all losses, costs, damages, expenses, claims and demands which we may incur or sustain as a result providing the Service.
  • The Service may be terminated by either of us by giving to the other party at least one (1) month's notice in writing or via CitiPhone Banking. CitiBusiness Card Terms and Conditions will continue to be binding despite the termination of the Service. If the Card Account is terminated for any reason, the Service and our obligation to pay the Merchant under the Service will terminate immediately.
  • Regardless of the Service and our transferring of your/ the Cardmember's existing instructions to ensure non-interruption of the Service to you/ the Cardmember, you remain fully responsible to comply with all terms and conditions existing between the Merchant and you/the Cardmember in the relevant underlying contract(s) between the Merchant, yourselves and your/the Cardmember's obligations under those terms and conditions will continue to be binding between the Merchant and you/the Cardmember.

9. Internet Transactions

  • If the Cardmember uses the Card to purchase goods and/or services through the online internet sites or portals, the Cardmember is solely responsible for the security of such use. You agree that the entry of the any Card information on the Internet will be sufficient proof of the instruction's authenticity.
  • We are not obliged to verify the identity or authority of the person entering the Card information and we are not liable for acting on such use of the Card, regardless of whether the person is authorised or unauthorised and regardless of the circumstances prevailing at the time of the transaction.
  • However, we may choose not to carry out any such transaction over the Internet if we have any reason to doubt its authenticity or if in our opinion, it is unlawful or otherwise improper to do so or for any other reason.

10. ATM Transactions and Electronic Banking Services

  • Where any cash advances are made to the Cardmember via ATM, we will provide a Personal Identification Number ("PIN") to each Cardmember. The PIN is strictly confidential and the Cardmember cannot disclose the PIN to any person under any circumstances or by any means, whether voluntarily or otherwise.
  • We will issue and deliver the PIN to you at your and the Cardmember's own risk. You and the Cardmember must not keep any written record of the PIN of the Cardmember at any place or manner which may enable a third party to have access and/or make use of the Card. Failure to comply with this requirement will expose you to the consequences of theft and/or unauthorised use of the Card, for which we will not be liable in any way. You hold us free from all claims and liabilities from all parties arising from the use of the PIN, whether authorised or otherwise.

11. Disclosure of PIN, or Loss, Theft or Unauthorised Use of Card

  • Subject to these terms and conditions, you will remain liable to us for all transactions effected through the use of the Card, whether or not you have authorised such usage.
  • You are obligated to ensure that the Cardmember uses all reasonable precautions and diligence to prevent any:-
    1. disclosure of the PIN to any person (including never writing the PIN on the Card, on anything kept with the Card or where the Cardmember keeps the Card in or on anything and anywhere which could be understood by any other person as the PIN to the Card); and/or
    2. loss, theft or unauthorised use of the Card (including never allowing any other person to use the Card or leaving the Card out-of-sight when making any transactions or using the Card).

    If any of these events occur, you must immediately report this to us (and to the police in the case of (ii)), followed by a written confirmation to us (in the case of (ii), together with a copy of the police report) no later than seven (7) days from the occurrence of the event.

  • All charges arising from all transactions effected through the use of the Card whether authorised or otherwise including all cash withdrawals and advances are deemed to have been made by the Cardmember, and you are liable for all such charges once the Card has been delivered to you. For the purposes of this provision, until you have reported any loss, theft or unauthorised use of the Card promptly to us, our records of any transaction effected through the Card will be conclusive and binding on you.
  • At our discretion as we deem fit, we may resolve that your liability is limited to RM250.00 (or any amount as we may determine) ("maximum liability limit") on proof that:-
    1. the Cardmember had in good faith exercised reasonable care and diligence to prevent such loss, theft or unauthorized use of the Card; and
    2. you had promptly reported the loss, theft or unauthorized use to us.
  • Even if the Cardmember has exercised all reasonable precaution and diligence to prevent the loss or theft or unauthorised use of the Card and reported the loss or theft or unauthorised use, you remain liable to us in the sums exceeding the maximum liability limit if:
    1. the Cardmember has acted fraudulently by being involved in the procurement of goods or services supplied by any merchant, cash advances or ATM transactions effected through the use of the Card by any person; or
    2. the Cardmember has failed to inform us upon discovering that the Card has been lost or stolen or use for purposes unauthorised by you.
  • When the lost or stolen Card is found, you must ensure that the Cardmember does not use the Card so retrieved but must return the Card cut into halves or several pieces across the magnetic strip and the microchip embedded in the Card (if any) to us immediately.
  • We are not obliged to issue a replacement card following its loss or theft. Any issuance of a replacement card will be subject to a replacement card fee as we may determine. Upon any loss, theft and/or unauthorised use of the Card or upon discovery that any person(s) have acquired knowledge of the PIN, you may request us to issue a replacement Card and we have the right to accept or refuse the request.

12. Prevention of Unauthorised Usage of Replacement of Damaged Card, Renewal of Expiring Card and Upgrading of Existing Card

  • You are obligated to ensure that the Cardmember uses all reasonable precautions and diligence to prevent the unauthorised use of the unexpired old Card upon replacement of damaged Card, early renewal of expiring Card and upgrading of existing Card.
  • To prevent unauthorised usage, you or the Cardmember must destroy the damaged/expiring/obsolete Card by cutting it into halves or several pieces across the magnetic stripe and the microchip embedded in the Card (if any) so that those components are completely damaged before disposing the Card.
  • All charges arising from all transactions effected through the Card when it has been carelessly disposed including all cash withdrawals and advances are deemed to have been made by you and you are liable for all such charges.
  • Without affecting our rights and even if you have exercised all reasonable precaution and diligence to prevent the loss, theft or unauthorised use of the Card, you will remain liable to us if you have or the Cardmember has acted fraudulently by being involved in the procurement of goods or services supplied by any merchant, cash advances or ATM transactions effected through the use of the unexpired old Card.

13. Cash Advance Facility

  • The Cardmember may obtain cash advances of such amounts as may be decided by us at our discretion by the following means:-
    1. presenting his Card at any of our branch or of any member institution of VISA and/or MasterCard together with evidence of his identification and signing the necessary transaction record; or
    2. if we have provided the Cardmember with the PIN, using his Card at any of our ATM or the ATM of any other bank or institution with whom we have an arrangement(s) for the use of the ATM of the said bank or institution (in which case the amount of each advance will be further subject to the applicable daily withdrawal limit imposed by such other bank or financial institution).
  • For all inter-country transactions via ATM and/or any member institution of VISA and/or MasterCard, the exchange rates (if applicable) will be the prevailing exchange rates as determined by us at our sole discretion and all such transactions must not violate the laws existing in the country where the transactions are effected.
  • The Cardmember's use of his Card to obtain a cash advance is deemed to constitute your agreement to pay interest on each cash advance and cash advance fee as we may prescribe. Interest accrues on each cash advance from the date of the advance until repayment in full at the current rate of 1.5% per month (or 18% per annum) or such other rate as we may prescribe. A fee of 5% or such other rate as may be prescribed by us, is imposed on the amount of each cash advance (subject to a minimum of RM20.00 or such amount as we may determine) and charged to the Sub-Account and the Card Account.
  • For the avoidance of doubt, any withdrawal of excess credit in a Sub-Account through the use of a Card or by requesting us to issue the Cardmember a cheque for such withdrawal will be treated as a cash advance and all terms and conditions relating to cash advance will apply to such withdrawal of funds.
  • The monthly statement issued to you will show the interest that has been accruing on cash advance until the date of repayment in full and the cash advance fee.

14. Conversion for Overseas Transactions

  • If a transaction is made in foreign currency, the transaction will be converted into Ringgit Malaysia using US Dollars as the base currency on the date on which the transaction is received and processed by Citibank and/or VISA or MasterCard or the relevant card payment network (""Payment Network").
  • The currency conversions will be based on Citibank's prevailing foreign exchange rate and/or an exchange rate determined by the relevant Payment Network. This currency conversion will include any charges levied by the Payment Network for overseas transactions and foreign exchange conversion markup by Citibank on the converted Ringgit Malaysia amount, or such other rate as determined by Citibank and notified to you.
  • You agree that in the event of any disputes on the conversion rates determined by the relevant Payment Network on any transactions made in foreign currency, we will not be responsible to settle such disputes on your behalf.

15. Annual Fee, Handling Charge and Other Fees/Charges

  • We will charge the following fees to your Card Account or Sub-Account, and which is to be paid by you to us:-
    1. an annual fee of an amount as we may prescribe for the issue of a Card and for each renewal of a Card;
    2. government service tax or any other taxes imposed by law;
    3. a handling charge as we may prescribe for a replacement card to be issued;
    4. a transaction and/or conversion fee or any fee referred to by any other name as we may prescribe for any foreign currency transactions;
    5. a statement request charge as we may prescribe to be imposed in the event you make a request for any statement which is more than two (2) months prior to the date the request was made;
    6. charges and fees as we may prescribe for the provision of copies of sales/cash advance drafts or any other documentation;
    7. overlimit fee of an amount as we may prescribe for the amount charged to the Sub-Account which is in excess of the Sub-Limit or the Shared Limit; and
    8. such other charges and fees not stipulated above as we may prescribe.
  • All fees paid to or in connection with the Card to us are non-refundable under any circumstances.

16. Statement of Account

  1. A statement will not be sent to a Cardmember unless he requests for it, in which case, we are entitled to impose a statement request charge as we may prescribe.
  2. A statement in respect of each Sub-Account and the Card Account will be sent to your last known address in our records and such statement is deemed to have been received by you on the fifth (5th) day after posting. We will normally send a statement to you monthly on the statement date for active accounts, i.e. accounts which show some monetary activities within a continuous period of six (6) months for each account. The statement shows the total balance, any finance charges, fees, charges, the minimum amount due and the payment due date. It also shows amongst others your current Credit Limit and the Shared Limit or the Sub-Limit of each Cardmember, as the case may be, as well as an itemised list of current charges, payments and credits in the Card Account and each Sub-Account.
  3. Upon receipt of the statement, it is your responsibility to examine all entries in the statement and ensure that the Cardmember examines all entries in respect of his Sub-Account and as stated in the statement. You are under the duty to report in writing to us of any error, discrepancies or inaccuracies in the statement within fourteen (14) days from the date you receive or are deemed to have received the statement.
  4. If for any reasons, we do not receive a written notification from you within fourteen (14) days of any error in the statement, then you are deemed to have accepted the entries in the statement made up to the date of the last entry in the statement as correct and as final and conclusive evidence of the facts contained in the statement. For the avoidance of doubt, this provision only applies to you without affecting our rights to make good, correct or recover any monies mistakenly credited into the Card Account (whether by a third party or for the use of Citibank) for which you will be liable to pay over to us.

    Unless you notify us in the matter stated above, the statement will be considered conclusive and binding as against you and your legal representatives and successors. You are therefore precluded from making any claim against us by alleging that the statement contains any error, discrepancy or inaccuracy.

  5. For the avoidance of doubt, proof of sending a written notification to us is not proof of us receiving your written notification.
  6. If you dispute any transactions stated in the statement, we may in our discretion as we deem fit conduct any investigation(s) regarding the disputed transaction(s), in which case the following will apply:-

    1. If our investigation(s) reveal or indicate that you are liable for any of the disputed transaction(s), we are entitled to levy the following charges:-
      1. an investigation(s) charge(s) as we may deem fit to charge; and
      2. finance charge(s) from the date of the disputed transaction(s) until the finalisation of our investigation(s).
    2. No finance charge(s) and/or investigation charge(s) will be levied in the event that the investigation(s) reveal that you are not liable for any of the disputed transaction(s).

    Our findings in any investigation conducted in relation to the Card Account are conclusive, final and binding on you.

17. How We Determine the Balance

The outstanding balance appears as the Current Balance on the statement. To determine the Current Balance, we begin with the outstanding balance on the Card Account at the beginning of each billing period, called the "Previous Balance" on the billing statement. We add any purchases or cash advances and subtract any credits or payments credited as of that billing period. We then add the appropriate finance charges and fees and make the applicable adjustments.

18. Finance Charge

  • There is no finance charge imposed on the full amount shown as due in the statement ("Current Balance") provided that you pay the Current Balance in full not later than the payment due date specified in the statement ("Payment Due Date").
  • Upon receipt of the monthly statement, you may choose to pay the Current Balance in full or if you choose not to settle the Current Balance in full, you must pay as a minimum, the Specified Minimum Payment on or before the Payment Due Date. "Specified Minimum Payment" means:
    1. where the Current Balance does not exceed the Credit Limit and there is no past due amount, minimum payment is calculated at 5% of total outstanding balance; OR 1% of outstanding balance [retail purchases + balance transfer amount (if any) + cash advance amount (if any) + other fees (if any)] + 100% of [(Non-Revolving Instalments (if any) + late payment charge (if any) + outstanding finance charges + government service tax (if any)]; OR RM50; whichever is higher; or.
    2. where the Current Balance exceeds the Credit Limit ("Overlimit Amount") and/or there is past due amount, minimum payment is calculated at 5% of (total outstanding balance - overlimit amount (if any)) + 100% of (Overlimit Amount (if any) + 100% past due amount (if any)); OR 1% of outstanding balance [retail purchases + balance transfer amount (if any) + cash advance amount (if any) + other fees (if any)] + 100% of [(Overlimit Amount and overlimit fee + non-revolving instalments (if any) + past due amount and late payment charge (if any) + outstanding finance charges + government service tax (if any)]; OR RM50; whichever is higher. An Overlimit fee will be charged into your Card Account. The fee amount will be as specified in the monthly statement.
  • You will be obligated to pay us a finance charge if:
    1. you pay us less than the Current Balance;
    2. you make no payment on the Payment Due Date;
    3. you make payment after the Payment Due Date; and
    4. the you/Cardmember have/has taken out a cash advance.
  • Finance charges would be at the rate prescribed by Bank Negara Malaysia under its guidelines (or such other rate that may be lower as determined by us at our sole discretion) which will be specified in the monthly statement and will be computed on:
    1. all transactions inclusive of cash advance, charges, fees, costs and incidental expenses charged to you in connection with the use of the Card commencing from the day they are posted to the Card Account on their respective posting dates;
    2. the unpaid balance or balances carried forward from the previous statement or statements, commencing on the respective dates for the computation of finance charges as set out in (i) above; and
    3. balance transfers from other credit card accounts to your Card Account.
  • An interest-free period of 20 days from the statement due date for new retail transactions is only applicable for Cardmembers with no outstanding balance from the previous month's statement.
  • On the date of each statement or at such other intervals as we may determine, all unpaid finance charges may be capitalised and added to the principal sum then owing, and will subsequently incur finance charges at the rates stated above both before and after any court order or judgment, until full and final settlement.
  • If the Specified Minimum Payment amount is unpaid, partly paid or paid after the Payment Due Date, we may in our discretion as we deem fit, without affecting our right to terminate the use of the Card and the Card Account, impose such fees, finance charges and/or late payment charges as we may determine until the Specified Minimum Payment is paid in full and/or may allow you to pay:-
    1. if the Current Balance does not exceed the Credit Limit, the current Specified Minimum Payment and the unpaid previous Specified Minimum Payment; and
    2. if the Current Balance exceeds the Credit Limit, the current Specified Minimum Payment and the excess over the Credit Limit and the unpaid previous Specified Minimum Payment.

19. Late Payment Charges

  • If you fail to pay as a minimum, the Specified Minimum Payment by the Payment Due Date, you must also pay a late payment charge as specified in your statement by way of liquidated damages and not as penalty.
  • On the date of each statement or at such intervals as we may determine, all unpaid late payment charges may be capitalised and added to the principal sum then owing, and will subsequently incur late payment charges at the rates stated above both before and after any court order or judgment, until full and final settlement.

20. Communications

    1. For the purposes of this Clause 20, "Communication" means:
      1. any notice, request, legal process, telephone call, electronic mail (whether encrypted or not), short message services provided by telecommunications providers, or such other means and/or other communication by the Bank to you; and
      2. any certificate, statement, notice, demand or other communication given by you to the Bank:

          (aa) via the telephone ("Telephone Communication");

          (bb) via facsimile transmission ("Fax Communication"); or

          (cc) via electronic or digital transmission ("Electronic Communication").

    2. The Bank may send any Communication to you by leaving it at, or by sending it by ordinary post to your last known address (whether within or outside Malaysia and whether such address is a Post Office Box or is a place of residence or business) or by facsimile transmission to your facsimile number as may be provided to the Bank or to the Bank's solicitors.
    3. Regardless of the above, the Bank may also contact you via telephone, electronic mail (whether encrypted or not), short message service provided by telecommunications providers, or such other means, to provide you with account related information (including informing or reminding you about your Card Account payment status). In such cases, the communication will not bear any signature and the Bank shall not be held liable for any technical, hardware or software failure, interruption, breakdown or errors arising from such communication.
  1. All Communication is deemed to have been received by you on the date of delivery if it is delivered by hand; or on the date immediately after the date of posting if it is sent by ordinary post (even if it may be returned to the Bank undelivered); or on the date of transmission if sent by facsimile, electronic or digital transmission.
  2. You must notify the Bank promptly if:
    1. you intend to reside outside Malaysia; and/or
    2. there is any change or proposed change in the particulars which you have given to the Bank (including your mailing, home, electronic or office address, your home, office or mobile phone number and your employment); and/or
    3. there is any change to the personal information contained on your credit file or report held by the Bank;

    and you must immediately provide the Bank with any or other information and documents as the Bank may require from time to time in its discretion, as it deems fit.

  3. The Bank relies on this information being kept up-to-date and complete. You cannot make any claim against the Bank if the Bank's records are out-of-date, incomplete or inaccurate because the Bank was not advised of the change.

    You can notify the Bank by:

    1. calling CitiPhone Banking;
    2. writing to the address noted on your statement or facility documents; or
    3. being present at your branch of account and notifying the Bank's duly authorised personnel.
  4. The Bank has given you the Card Account based on the personal and financial information that you disclosed to the Bank. You must tell the Bank immediately of any change to your financial situation which will affect your ability to meet your obligations under the Card Account.
  5. If it shall become unlawful for the Bank to perform any of its obligations under these terms and conditions, the Bank shall notify you to this effect whereupon you shall upon receipt of such notice pay to the Bank all sums which are owed to the Bank.
  6. Notwithstanding anything to the contrary in these terms and conditions, it is agreed that any certificate, statement, notice, demand or other communication given or required to be given to you may be computer generated in which case it:-
    1. need not bear any signature; or
    2. may contain a printed or facsimile signature.
  7. Every certificate or statement and every notice, demand or other communication under these terms and conditions must be given:
    1. in accordance with the provisions of any applicable law;
    2. in accordance to the Bank's Rules and Regulations; or
    3. in accordance with the provisions of this Clause 20.
  8. The Bank is authorized by you, but is not obliged, to rely upon and act in accordance with any Telephone Communication, Fax Communication and/or Electronic Communication which may be, or purport to be, given by or on your behalf, without inquiry or verification on the Bank's part as to the authority or identity of the person making or purporting to make such Communication beyond the verification processes outlined in paragraph (10) below.
  9. The Bank may rely upon and act in accordance with such Communication provided that:-
    1. in the case of Telephone Communication, the person making or purporting to make such Communication has:-
      1. quoted or keyed in:-

          (aa) the title or number of your relevant account with the Bank and the valid and current personal identifying code or number (if any) for such account or any personal information in relation to you which was previously furnished by you to the Bank; and/or

          (bb) such information or particulars as may be required by the Bank; or

      2. satisfied such requirements as may be required by the Bank; and any combination of the above
    2. in the case of Fax Communication, such Communication:-
      1. contains the title or number of the relevant account with the Bank and bears a signature which conforms to your signature, your authorized signatory’s signature or your authorized representative’s signature (including the Authorised Owner and Authorised Signatory), as the case may be, in the Bank’s records; or
      2. satisfies such requirements as may be required by the Bank; and any combination of the above.
    3. in the case of Electronic Communication, the person making or purporting to make such Communication has satisfied such requirements as may be required by the Bank.
  10. The Bank is entitled (but not bound) to treat the Communication as authentic and valid and fully authorized by and binding upon you, and the Bank is entitled (but not bound) to take such steps in reliance upon such Communication as we may consider appropriate, whether such Communication:-
    1. includes Communication to pay money or otherwise to debit or credit any account;
    2. relates to the disposition of any money, securities or documents;
    3. relates to the change of your address or facsimile, telex or telephone number;
    4. purports to bind you to any agreement or other arrangement with the Bank or with any other person; or
    5. commits you to any other type of transaction or arrangement whatsoever,

    regardless of any error or misunderstanding or lack of clarity or details in the terms of such Communication.

  11. You agree to keep any personal identifying code or number for your Card Account(s) and/or any account(s) with the Bank strictly confidential at all times, and must not disclose or permit it to be disclosed to any person. You must report to the Bank immediately if any such personal identifying code or number has become known to any person. You bear all the consequences arising out of your failure to comply with your obligations under this clause.
  12. All Fax Communication are to be sent to the Bank at such facsimile number as the Bank may notify to you for the purposes of Fax Communication.
  13. To the fullest extent permitted by law, you agree and undertake to indemnify the Bank and to keep the Bank indemnified against all losses, costs and expenses incurred or sustained by the Bank in connection with such Communication given via the telephone or via facsimile transmission or via electronic or digital transmission.
  14. Notwithstanding anything to the contrary contained in this Clause 20, where there are two (2) or more persons comprised in the expression "you", “your” and/or “yours”:-
    1. any Communication given or required to be given to you in these terms and conditions, and which is given by the Bank to the Authorised Owner, is deemed to be given to (and is binding on) all such persons as though such Communication had been given to all such persons; and
    2. the Bank is entitled (but not bound) to treat any Communication given or required to be given to the Bank in these terms and conditions, and which is given to the Bank by any one or more of such persons, as having been given by all such persons. Such Communication is deemed to have been given by, and is binding on, all such persons as though such Communication has been given by all such persons;

    and you hereby confirm and declare that the Authorised Owner is authorized to receive all such Communication from the Bank on behalf of all such persons and each such person is individually authorized to give any and all such Communication to the Bank on behalf of all such persons.

  15. Any Communication from you to the Bank is irrevocable and is effective only when received by the Bank at such address or contact number as notified to you.
  16. Any notice or other document to be given under these terms and conditions by you to us must be in writing and may be given or sent by hand, registered post or facsimile to us at the address or facsimile transmission number that we may notify to you in the statement sent to you or by any other means deemed suitable by us, or to the address or facsimile transmission number set out below:
    By Mail By Hand
    Customer Correspondence Unit
    Citibank Berhad
    P.O.Box 11725
    50754 Kuala Lumpur
    Facsimile Number: +603-2383 6666
    Customer Correspondence Unit
    Citibank Berhad
    No. 165, Jalan Ampang
    50450 Kuala Lumpur
  17. Reminders

    We are entitled at any time and at our sole discretion to send you reminders in respect of the amount of the Specified Minimum Payment and the Payment Due Date each month ("Reminder"), whether or not you have requested the same, and you may be notified of each Reminder via telephone or SMS (which you may be subjected to charges by the relevant service provider(s) or telephone operator(s)).
  18. You are fully aware that your receipt of each Communication/Reminder may be delayed or prevented by factor(s) affecting the relevant service provider(s), telephone operator(s), currency market(s) and any other relevant entities. You accept that we neither guarantee the delivery nor accuracy of the contents of each Communication/Reminder, and we will not be liable to you or anyone else for losses or damages arising from:
    1. any non-delivery, delayed delivery or wrongful delivery of each Communication/Reminder;
    2. inaccurate content of each Communication/Reminder; or
    3. your use or reliance on the contents of any Communication/ Reminder for any purposes.
  19. The information in respect of any Communication/Reminder may be subject to certain time lags and/or delays. The features of any Communication/ Reminder may at any time be varied or discontinued by us at our discretion with notice.

21. Cheque Return Payment Fee

We are entitled to levy an administration charge as we may prescribe if any cheque presented by you for payment is dishonoured i.e. because of insufficient funds or ambiguous amount, for example.

22. Payments to and from Citibank

  • You will pay to us all monies, interest, fees and charges for which you may become liable in the billing currency, which of your Card (or Card Account), is Ringgit Malaysia, unless otherwise determined by us.
  • Payments by you to us are not considered as made until all relevant funds have been received for value by us and entered into our records on the day following our receipt of payment.
  • Payments can be made by cash, cheques, direct transfer to the Card Account from your Other Bank Accounts or through the Inter-Bank GIRO system or otherwise. All payments by cheques must include the inland exchange commission, where applicable, failing which we are entitled to debit the Card Account accordingly or to exercise our right of set-off as we deem fit.
  • Payment will be applied in the order of balances attracting the highest interest rate to the lowest interest rate (and in the case of same interest rate, the order will start from the earliest to the latest transaction date.
  • For the avoidance of doubt, no interest is earned on any credit balance reflected in your Card Account. Any credit balance reflected in the Card Account cannot in any way be assigned, transferred or charged to any third party or encumbered or dealt with whether by way of security or otherwise howsoever except with our prior written consent.
  • All such monies, fees and charges are payable by you in full without any set-off or counterclaim or any restriction or condition, and free and clear of and without deduction for present or future taxes or any other excise or property taxes, levies, charges, or withholdings, and all liabilities with respect to the same (if any). If you are obliged by law or regulation of any jurisdiction, domestic or foreign, or any agreement entered into with and between Authorities, to deduct or withhold (whether for payment of any Taxes or otherwise) any sum from any payment to us, you must increase the amount of the payment so that the net amount received by us will equal the amount due to us.
  • Where such monies and charges are payable whether or not in connection with your Card Account, any other products and/or services taken by you from the Bank, including any financing facilities, loans or overdrafts, the Bank is requested and authorised to debit all such payments from your Other Bank Accounts (if any) and you must ensure that there are sufficient monies readily available in your Other Bank Accounts. In the event you specifically permit payment to be made by check, you must issue the check made payable to Citibank Berhad for [Customer Name] and marked “A/C Payee Only”. In no circumstances will cash checks be issued.
  • In particular, all such monies and charges payable by you are exclusive of any goods and services tax or other value added tax (whether imposed in Malaysia or any other jurisdiction) which will, where applicable, be paid by you in addition to any sums otherwise payable, at the rate in force at the due time for payment or such other time as is stipulated under the relevant legislation.
    1. If Citigroup, Inc, Citigroup Organisation and/or the Bank are obliged by law or regulation of any jurisdiction, domestic or foreign, or any agreement entered into with and between Authorities, to deduct or withhold (whether for payment of any Taxes or otherwise) any sum from any payment payable by us to you, you authorise us to withhold and to pay the net sum over to you or to place such sum in any of your Other Bank Accounts with us or such other account as you will instruct (unless at such time there are any monies owing by you to us, in which case we are entitled to deduct the amount of monies owing).
    2. Any such deductions or withholdings shall be timely paid to the relevant Authority in accordance with the relevant requirement. You will be notified of any such deductions or withholdings as soon as reasonably practicable. You hereby acknowledge that the Bank will not be required to reimburse you for any amount withheld or deducted by a Payment Infrastructure Provider. Further, to the extent Citigroup, Inc, Citigroup Organisation, us or any of, their and our Third Party Service Providers pays or has paid from its own funds or is or will become required to make a payment to an Authority in respect of an amount that should have been, but was not, Taxes and any other amounts collected, you shall indemnify us for such payments, plus any interest and penalties on such payments. You understand that the Bank is not required to contest any demand made by an Authority for such payments. You hereby represent that you have provided to and secured from any person that will own a beneficial interest in a payment from the Bank any notices, consent or waiver necessary to permit Citigroup, Inc, Citigroup Organisation, we or any of its, their and our Third Party Service Providers to carry out the actions described in this paragraph.
  • If your Card Account has a credit balance at or above a certain limit for any period of time, you agree that the Bank may at its discretion as it deems fit, choose to refund to you all or part of the credit balance by sending you a cheque (or other method determined by us) for all or part of that credit balance (excluding unclear funds).

23. Excess of Credit Limit

  • You must ensure that each Cardmember does not operate the Sub-Account such that the amount owing under his Sub-Account exceeds his Shared Limit or Sub-Limit, as the case may be, or the aggregate amount owing to us under the Card Account exceeds the Credit Limit without obtaining our prior written approval.
  • If the Credit Limit, the Shared Limit and/or the Sub-Limit is exceeded, you must pay us upon demand the excess amount in full, failing which, we may in our discretion suspend, terminate or cancel the Card Account or the relevant Sub-Account. If the Card Account and/or the Sub-Account is terminated or cancelled, the provisions relating to the termination will apply.

24. Guarantee And Indemnity

  1. The Guarantor irrevocably and unconditionally:
    1. guarantees the punctual performance by the Business of the Business' obligations in respect of the Card Account;
    2. undertakes to us that whenever the Business does not pay any amount when due under or in connection with the Card Account, the Guarantor will immediately on demand pay that amount as if it was the sole principal debtor and not merely a surety. Accordingly, the obligations of the Guarantor are valid regardless of whether any other security for the obligations of the Business has not been perfected and it will not be discharged, nor will its liability be affected, by anything which would not discharge it or affect its liability if it were the sole principal debtor;
    3. undertakes to indemnify us immediately on demand against any cost, loss or liability suffered by us if any obligation guaranteed by it is or becomes unenforceable, invalid or illegal. The amount of the cost, loss or liability must be equal to the amount which we would otherwise have been entitled to recover.
  2. This guarantee is a continuing guarantee and will extend to the ultimate balance of the sums payable by the Business under or in connection with the Card Account, regardless of any intermediate payment or discharge in whole or in part.
  3. If any payment by the Business or any discharge given by us (whether in respect of the obligations of the Business or any security for those obligations or otherwise) is avoided or reduced as a result of insolvency or any similar event:
    1. the liability of the Guarantor will continue as if the payment, discharge, avoidance or reduction had not occurred; and
    2. we will be entitled to recover the value or amount of that security or payment from the Guarantor, as if the payment, discharge, avoidance or reduction had not occurred.
  4. The obligations of the Guarantor under this Clause will not be affected by an act, omission, matter or thing which, but for this Clause, would reduce, release or prejudice any of its obligations under this Clause (without limitation and whether or not known to it) including:
    1. any time, waiver or consent granted to, or composition with any of you or other person;
    2. the release of any of you or any other person under the terms of any composition or arrangement with any creditor of any of you or any other person;
    3. the taking, variation, compromise, exchange, renewal or release of, or refusal or neglect to perfect, take up or enforce, any rights against, or security over assets of, any of you or other person or any non-presentation or non-observance of any formality or other requirement in respect of any instrument or any failure to realise the full value of any security;
    4. any incapacity or lack of power, authority or legal personality of or dissolution or change in the members or status of any of you or any other person;
    5. any amendment (however fundamental) or replacement of any of the provisions herein or any other document or security;
    6. any unenforceability, illegality or invalidity of any obligation of any person under the provisions herein or any other document or security; or
    7. any insolvency or similar proceedings.
  5. The Guarantor waives any right it may have of first requiring us to proceed against or enforce any other rights or security or claim payment from any person before claiming from the Guarantor under this clause. This waiver applies irrespective of any law or any provisions contained in these terms and conditions to the contrary.
  6. Until all amounts which may be or become payable by you under or in connection with the provisions in these terms and conditions have been irrevocably paid in full, we may:
    1. refrain from applying or enforcing any other moneys, security or rights held or received by us in respect of those amounts, or apply and enforce the same in such manner and order as we see fit (whether against those amounts or otherwise) and the Guarantor shall not be entitled to the benefit of the same; and
    2. hold in a suspense account (whether interest bearing or not), any money received from the Guarantor or on account of the Guarantor's liability under this clause.
  7. Until all amounts which may be or become payable by you under or in connection with the Card Account and the provisions herein have been irrevocably paid in full and unless we otherwise direct, the Guarantor may not exercise any rights which it may have by reason of performance by it of its obligations set out here:
    1. to be indemnified by an obligor;
    2. to claim any contribution from any other guarantor of any of your obligations in connection with the Card Account; and/or
    3. to take the benefit (in whole or in part and whether by way of subrogation or otherwise) of any of our rights herein or of any other guarantee or security taken pursuant to, or in connection with, the provisions set out here.
  8. This guarantee is in addition to and is not in any way prejudiced by any other guarantee or security now or subsequently held by us.

25. Events of Default

  1. We may suspend, withdraw or terminate the Card Account and/or any of the services offered in connection with the use of the Card with prior notice, even if we may have waived our right on some previous occasion upon the occurrences of any one or more of the following events (collectively, "Events of Default" and each as an "Event of Default"):-
    1. if any of you should fail or default in payment of any sum of money due from any of you to us at any time under the Card Account or under the provisions here;
    2. if any of you are liable to us on any of your Other Bank Accounts;
    3. if the Card is used for any unlawful activities such as online betting and/or gambling activities;
    4. if any of you have given any data, information, statements, representations and warranties (implied or express) in connection with these terms and conditions or any other agreement or arrangement(s) with us which is incorrect, untrue or misleading in any material aspect when made or if we reasonably believe that you have give at any time;
    5. if any of you commit or threaten to commit a default or breach of any agreements, covenants, stipulations, terms or conditions set out in these terms and conditions on your part to be observed and performed;
    6. if any indebtedness of any of you and/or the indebtedness of any Cardmember with us or any other financial institution(s) becomes capable, in accordance with the relevant terms, of being declared due prematurely by reason of a default by any of you and/or the Cardmember in any of your/his obligations, or if due on demand when demanded or the security for any such indebtedness becomes enforceable or any loan, advance or credit made available to any of you and/or the Cardmember is withdrawn. For these purposes, "indebtedness" includes any obligation (present or future, actual or contingent, direct or indirect, secured or unsecured, several or joint, as principal or otherwise) for the payment and repayment of money;
    7. if any of you and/or the Cardmember leaves Malaysia to take up residence elsewhere;
    8. if any of you and/or the Cardmember and/or the Guarantor (if applicable) dies or becomes insane, taken into custody, incapacitated or declared by any Court of competent jurisdiction or any appropriate authority to be incapable of administrating your/ his/ its affairs;
    9. if any legal proceedings, suit or action of any kind is instituted by or against any of you and/or the Cardmember;
    10. if any of you and/or the Cardmember are wound-up or dissolved or adjudged a bankrupt, as the case may be;
    11. if any legal proceedings, suit or action of any kind is instituted by or against you in any jurisdiction or any order is made by any court of competent jurisdiction, or any other appropriate authority or any step is taken for any of your and/or the Cardmember's bankruptcy, winding-up, liquidation or for the appointment of a judicial manager, or a trustee, or a similar officer is appointed of all or a substantial part of any of your assets and/or the assets of any Cardmember, as the case may be;
    12. if any of you and/or, the Cardmember are unable to pay any of your debts or the Cardmember's debts as they fall due, suspend payment of these debts, enter into composition or arrangement with any of your creditors or the Cardmember's creditors (if applicable), or commit an act of bankruptcy or become insolvent;
    13. if a distress, execution or other process of a court of competent jurisdiction is levied upon or issued against any of your property and/or the property of the Cardmember and such distress, execution or other process, as the case may be is not satisfied by any of you and/or the Cardmember within 21 days of such order;
    14. if a receiver is appointed in respect of any of your assets and/or the Cardmember's assets or any part of these assets or a meeting (whether formal or informal) is called by any of your creditors and/or the Cardmember's creditors;
    15. if a judgment debt obtained against any of you and/or the Cardmember remains unsatisfied for a period of 7 days from the date of the order (other than judgment debt on which any of you or any Cardmember have obtained a stay of execution and filed a Notice of Appeal within the time prescribed by law);
    16. if there is any change in the Business' nature or scope or in the constitution, composition, management, control, shareholding or the structure of the Business;
    17. if there is a material adverse change in any of your business, assets and financial position and/or the Cardmember's business, assets and financial position;
    18. if the whereabouts of any of you and/or any Cardmember becomes unknown to us;
    19. if in our opinion, the Card Account and/or your Other Bank Accounts is or has not been operated satisfactorily;
    20. if you, the Authorised Owner or the Authorised Signatory of the Business, as the case may wishes to terminate the Card Account and/or the Sub-Account respectively;
    21. if it becomes illegal or impossible or Bank Negara Malaysia or other governmental or judicial authority asserts that it has become illegal or impossible for any of you and/of the Cardmember to perform any obligations or for us to enforce any rights under these terms and conditions, any security document or any other agreement, document, instrument or arrangement(s) between us and any of you and/or the Cardmember;
    22. if an event or events have occurred or a situation exists which should or might in our opinion affect your ability to perform your obligations under these terms and conditions;
    23. if we in our discretion, decides to cancel or terminate the Card Account;
    24. if we refuse to issue a replacement Card or renew any Card; or
    25. if any Card has been used for non-business or non-commercial purposes, or if it is used for business and/or commercial purposes which we deem unacceptable to be transacted using the Card.
    26. the performance of any obligation under these Terms and Conditions becomes illegal, impossible or could not be continued due to any requirements on Citigroup, Inc and Citigroup Organisation including the Bank, to comply with the laws or regulations of any jurisdiction, domestic or foreign, or any agreement entered into with or between Authorities that Citigroup is subject to.
  2. Where an or any Event of Default has occurred and if any of you and/or Cardmember do not remedy any Event of Default before the expiry of the time specified in any notice given to any of you and/or the Cardmember or under these terms and conditions, or if there is an Event of Default that cannot be remedied, or upon termination of the use of the Card for any reason, the whole outstanding balance on the Card Account will become immediately due and payable to us and/or we may enforce our rights against the Guarantor under the guarantee and indemnity delivered by the Guarantor. In addition, all further monies debited to your Card Account after the date of such termination, including all interest, fees and charges, become due and payable upon its entry into your Card Account.
  3. Upon termination of the Card Account, the whole outstanding balance on the Card Account will become immediately due and payable to us and all further monies debited from the Card Account after the date of such termination including all interest, fees and charges shall become due and payable upon its entry into the Card Account.
  4. If we obtain judgment from any court for any sum owing under these terms and conditions, any interest, finance charge, late payment charge and any other charges payable will continue to be payable from the date of judgment until the date of full payment of the sum of money which has been adjudged as payable to us.
  5. If you have committed an Event of Default or are in breach or default in respect of the Card Account or these terms and conditions, this will result in you being in breach or default of any other of your Card Account(s) and/or your Other Bank Accounts. If we are entitled to invoke remedies in respect of one Card Account, we are also entitled to invoke such remedies in respect of your other Card Account(s) and/or your Other Bank Accounts.
  6. Without affecting the generality of the above, if you have committed any Event of Default, we are entitled to:
    1. transfer, set off against, combine or consolidate any of your Other Bank Accounts with us in the manner set out in Clause 31 below toward repaying the outstanding balance and/or any sums owing by you under these terms and conditions;
    2. suspend the use of the Card and Card Account;
    3. reduce your Credit Limit, Shared Limit and/or Sub-Limit; and/or
    4. terminate the use of your Card Account, in which event, all provisions in these terms and conditions relating to such termination will apply.

26. Review, Suspension, Withdrawal of Any Facilities or Terminate Use of Card

We have the right at our discretion to review, suspend, restrict, withdraw and/or in circumstances if we so deem fit, terminate or impose conditions for the use of the Card including all or any of the facilities provided by us in connection with the Card at any time, with notice and without any obligation to give reasons, even if we have waived our rights on some previous occasions.

27. Right to Restrict or Refuse Credit

  1. We are entitled at any time to restrict or limit the credit to you or any Cardmember or refuse and withhold credit as we deem fit.
  2. If we detect unusual or suspicious activity on a Sub-Account, we may temporarily suspend the credit privileges until we can verify the activity.

28. Our Right to Check Credit Standing

You, the Cardmember and the Guarantor agree that we have the absolute right to check the credit standing from any source (including any credit reference agencies, Bank Negara Malaysia, any credit bureau and/or the Central Credit Reference Information System (CCRIS) established by Bank Negara Malaysia) of any of you, the Cardmember and/or the Guarantor any time, as and when we deem fit, without referring to any of you (the Cardmember and/or the Guarantor).

29. Telephone Monitoring and Recording

You authorise us to contact the Authorised Owner by telephone about the Card Account. You agree that we may place such telephone calls using an automatic dialing and that such calls will not be unsolicited calls. We may monitor and/or record telephone calls between the Authorised Owner and us. You agree that monitoring and/or recording may be done and that no additional notice to you or additional approval from you is needed.

30. Liens

In addition and without prejudice to any other remedy, right or security which we may have, so long as the Card Account has not been closed or any money remains owing or payable under these terms and conditions, we have a general lien on all of your securities and other assets which are now or which may from time to time be deposited with or in or come into our possession, custody or control of or held in our name or to our order or for our account and/or our nominee's account whether for safe custody or security or otherwise or for any specific purpose or generally.

31. Consolidation of Accounts and Set-Off

  1. In the event of the occurrence of any of the Event or Events of Default (defined in Clause 25 above), we may, at any time with notice:
    1. combine or consolidate any of your Other Bank Accounts with us (whether located in or outside of Malaysia and whether in Ringgit Malaysia or in any other currency); and/or
    2. transfer or set-off any sums standing in credit in your Other Bank Accounts (whether matured or not and including a joint account with a Cardmember/ the Guarantor and a joint account with any other person),towards discharge of all sums due to us under any of your account(s) with us even if that the credit balances and the liabilities in any or all of your Other Bank Accounts may not be expressed in the same currency.
  2. You authorise us to make any necessary conversions at our prevailing exchange rates (which will be determined by us as we deem fit), if the balances in any or all of your Other Bank Accounts and the sums due may not be expressed in the same currency. Further, you authorize us to make any necessary conversions at our own rate of exchange then prevailing at the date of set-off. The consequence of accounts being combined will be that one balance remains and if that is a debit balance, you will remain liable to us for that amount.
    1. The consequence of set-off is that amounts that you and we owe to each other are reduced by the same amount. We will not exercise these rights so as to cause a liability to become secured if we agree that it would not be secured.
    2. No notice will be given to you prior to the set-off or consolidation of your accounts, unless we intend to set-off a credit balance in your deposit account(s) against a debit balance in any of your Card Account(s) and/or Other Bank Accounts, or such notice is required by law.
    1. In the case of joint accounts, we may set-off the liabilities of any joint account holder to us on any accounts against the credit balance in the joint accounts.
    2. Where the said sums have been incurred by only one or some (but not all) of the joint account holders, our rights above will also extend to credit balances to which all the joint account holders are singly or jointly entitled.
  3. Where monies are set-off by us following the exercise of our rights, you undertake that you will not, without first obtaining our prior written consent, withdraw or cause any act that would result in the withdrawal of such monies. We reserve the right to earmark such monies before the setting-off.

32. Suspense Account

To enable us to preserve the liability of any party (including any of you, the Cardmember and/or the Guarantor), once a writ or summons or any originating process has been issued or to prove in your bankruptcy or insolvency or for such other reasons as we think fit, we may place and keep any monies received, recovered or realized under these terms and conditions or under any other security or guarantee to your credit as we think fit, at any time and for a duration as we think prudent, without any obligation on our part to use it to discharge of the sums due and owing to us.

33. Variation Revision or Change of Terms and Conditions

  1. By giving any of you written notice, we may amend or vary any of these terms and conditions. However, our failure to give a written notice does not stop such amendment or variation in these terms and conditions from having effect.
  2. Notice by us may take any form. Any amendments or variations to these terms and conditions will be deemed to have been incorporated into these terms and conditions and have been drawn to your attention by:
    1. their being displayed at any of our offices or branches nationwide;
    2. their inclusion in your monthly statement;
    3. a notice of the amendments and variations being sent to you;
    4. being advertised or advertisement in one issue of a daily national newspaper addressed to the general public;
    5. posting on our website; or
    6. any other mode which we deem sufficient.
  3. Such variation applies on the effective date specified by us in accordance with the applicable laws and Bank Negara Malaysia guidelines and will apply to all outstanding balance in your Card Account, among others.
  4. For the avoidance of doubt, the retention or use of your Card after the effective date of any variations, revisions or changes of/to terms and conditions is deemed to constitute acceptance of such variations, revisions or changes by you without any reservation.
  5. If you do not accept the proposed variation, you must terminate the use of the Card(s) by calling Citibank Phone Banking (CitiPhone) or giving prior written notice to us, before the effective date of such proposed variation. The provisions relating to termination above will subsequently apply, followed by you cutting the Card(s) into halves or several pieces across the magnetic strip and the microchip embedded in the Card(s) (if any) so that those components are completely damaged and immediately returning the Card(s) to us.

34. Change in Constitution

  1. These terms, conditions, covenants and undertakings will remain in full force and effect regardless of any change in your and/or the Guarantor's constitution or composition or by any change by dissolution, winding-up, death, insanity, incapacity, bankruptcy, insolvency or otherwise in you and/or the Guarantor and no change of any sort whatsoever in relation to or affecting you and/or the Guarantor will in any way affect the security, liabilities and/or obligations created hereunder in relation to any transaction whether past, present or future.
  2. Without affecting the above, if any of you are partners in a partnership or firm, these terms and conditions will be binding on all persons who are partners of the firm as at the date of the opening of the Card Account, regardless that such person or persons may at any time after the opening of the Card Account cease to be a partner or partners and regardless that notice of such cessation has been given to us. For the sake of clarity, these terms and conditions will continue to be binding on all persons and/or any of the persons from time to time carrying on business in the name of or in succession to the firm although by death, retirement or admission of partners or other causes the constitution of the firm may have been in part or wholly varied.
  3. These terms, conditions covenants and undertakings under will continue to bind you and/or the Guarantors regardless of any change by dissolution, winding-up or otherwise howsoever in us including but not limited to any reconstruction involving the formation of and transfer of the whole or any part of our assets to another company, whether or not such company differs from us in its objects, character or constitution.

35. Disclosure

  1. You, the Cardmember and/or the Guarantor expressly agree that:
    1. the Bank;
    2. the Bank's head office, branches, representative offices; and
    3. any subsidiaries, affiliated or associated companies of, or related entities controlled directly or indirectly by Citigroup Inc. and any of their respective branches and offices, wherever situated.

    (singly or collectively, “Citigroup”), any agents and persons to whom Citigroup outsources the performance of its operational functions (including, without limitation, any Third Party Service Provider) and/or who provides any services, whether within or outside Malaysia and any Payment Infrastructure Provider) are permitted to process including but not limited to collect, use, store and share Data.

  2. For the purposes of sub-clause (1) above, "Data" means public and non-public information from any source about:
    1. you, the Cardmember and/or the Guarantor;
    2. your, the Cardmember's and/or the Guarantor's beneficial owners;
    3. any security providers;
    4. persons under the trust;
    5. partners, committee members, directors and officers (where applicable);
    6. authorized signatories; and
    7. any of your, the Cardmember's and/or the Guarantor's and/or security provider's accounts, transactions and dealings with Citigroup or any other party.
  3. The purposes for which Data is collected and further processed depends on the nature of your, the Cardmember's and/or the Guarantor's relationship with Citigroup and the products and services that you, the Cardmember and/or the Guarantor obtain from Citigroup. Purposes for which Data may be used include:-
    1. to establish a relationship between the you, the Cardmember and/or the Guarantor and Citigroup;
    2. to process applications for products and services;
    3. for risk management;
    4. to provide services and products to you, the Cardmember and/or the Guarantor;
    5. for deposit insurance purposes;
    6. to evaluate and monitor provision of products and services;
    7. to respond to inquiries from you, the Cardmember and/or the Guarantor;
    8. for deposit insurance purposes;
    9. for research and development of products and services;
    10. for debt collection purposes;
    11. for enforcement of rights and obligations;
    12. for assessing, processing and investigating insurance risks and claims;
    13. to enable a party to evaluate any proposed assignment, participation, sub-participation, and/or novation of the Bank's rights and/or obligations;
    14. to maintain and protect the Bank's offices and automatic teller machines;
    15. to meet legal and regulatory requirements of any jurisdiction, domestic or foreign, or any agreement entered into with or between Authorities;
    16. processing instructions and generating confirmations, advices and statements;
    17. maintaining accurate "know your customer" information;
    18. operating control systems and management information systems;
    19. marketing products and services;
    20. for such other purposes as permitted by applicable law or your, the Cardmember's and/or the Guarantor's consent; and
    21. for all other purposes incidental or associated with the above.
    1. You, the Cardmember and/or the Guarantor understand and agree that the Data may be transferred to, used and stored in other jurisdictions, the laws of which may not offer the same level of protection as the laws of the jurisdiction from which the Data originates. The Data may also become subject to the legal disclosure requirements of other jurisdictions.
    2. You, the Cardmember and/or the Guarantor understand and agree that Citigroup, any agents and persons to whom Citigroup outsources the performance of its operational functions (including, without limitation, any Third Party Service Provider) and/or who provides any services, whether within or outside Malaysia and any Payment Infrastructure Provider is permitted to transfer, share and disclose the Data, for confidential use, to:
      1. and among Citigroup;
      2. Bank Negara Malaysia and any credit bureau, the Central Credit Reference Information System ("CCRIS") and the Dishonoured Cheques Information System ("DCHEQS") maintained by Bank Negara Malaysia, such body or authority of any jurisdiction, domestic or foreign having jurisdiction over Citigroup, credit reporting agencies and any credit reference agencies;
      3. comply with any law, regulation, or request by any government, court, administrative, regulatory or other authorities of any jurisdiction, domestic or foreign, or any agreement entered into with or between Authorities;
      4. any agents and persons to whom Citigroup outsources the performance of its operational functions (including, without limitation, any third party service provider) and/or who provides any services, whether within or outside Malaysia;
      5. any communications, clearing, settlement or payment system, intermediary bank or depository;
      6. any novatee, assignee, participant, sub-participant or transferee, or proposed novatee, assignee, participant, sub-participant or transferee of any of the Bank's rights or obligations;
      7. guarantors, sureties and third party security providers for facilities granted or services provided by Citigroup to you, the Cardmember and/or the Guarantor;
      8. financial institutions, merchants, VISA International Services Association, MasterCard International Incorporated and other card associations in relation to any Citibank credit cards and/or debit cards issued to you, the Cardmember and/or the Guarantor and/or any other Payment Infrastructure Provider;
      9. any parties engaged by Citigroup to enable or assist Citigroup to exercise its rights and perform its obligations;
      10. your subsidiaries, affiliated or associated companies of, or related entities controlled directly or indirectly by your and any of their respective branches and offices, wherever situated, and their respective beneficial owners, persons under the trust, partners, security providers, committee members, directors, officers or authorized signatories; and
      11. to such parties as may be permitted by the laws of Malaysia,

      whether within or outside Malaysia, for any of the purposes set out in this clause 35.

    3. You, the Cardmember and/or the Guarantor agree that Citigroup , any agents and persons to whom Citigroup outsources the performance of its operational functions (including, without limitation, any Third Party Service Provider) and/or who provides any services, whether within or outside Malaysia and any Payment Infrastructure Provider may give your, the Cardmember’s and/or the Guarantor’s personal data and, where applicable, that of your, the Cardmember’s and/or the Guarantor’s beneficial owners, persons under the trust, security providers, partners, committee members, directors, officers or authorized signatories, your subsidiaries, affiliated or associated companies of, or related entities controlled directly or indirectly by you and any of their respective branches and offices, wherever situated and their respective beneficial owners, persons under the trust, partners, security providers, committee members, directors, officers or authorized signatories to other parties outside Citigroup, for any use as specified above, including for commercial purposes.
    4. You, the Cardmember and/or the Guarantor understand and agree with the consequences of the giving of your, the Cardmember's and/or the Guarantor's personal data and those of the other persons mentioned above to parties outside of Citigroup.
    1. Citigroup does not guarantee the security of any information transmitted by or to it through any means of communication or correspondence (including mail, courier service, electronic mail or other electronic means (including short message service ("SMS")).
    2. You, the Cardmember and/or the Guarantor accept the risk that such information may be accessed by unauthorized third parties and/or disclosed by Citigroup and by its officers, employees or agents to third parties purporting to be the intended recipient.
    3. Regardless of the above, you, the Cardmember and/or the Guarantor agree that Citigroup will transmit such information to the address or other relevant particulars specified by you, the Cardmember and/or the Guarantor, and that such information may not be protected with encryption, password protection or any other form of security from disclosure to unauthorized third parties. You, the Cardmember and/or the Guarantor accept the risk that such transmission of information may be received, accessed or disclosed to third parties other than the intended recipient(s).
    1. To the fullest extent permitted by law, Citigroup is not liable for any losses, costs, damages, expenses, claims and demands arising directly or indirectly in connection with any disclosure of information to third parties by Citigroup in the course of its carrying out a transaction or an instruction transmitted by any means of communication or correspondence, including where such disclosure arose through physical or electronic interference by a third party.
    2. To the fullest extent permitted by law, you, the Cardmember and/or the Guarantor will not hold Citigroup responsible or liable in contract, tort, equity or otherwise, for any such access or disclosure or for any losses, costs, damages, expenses, claims and demands suffered or incurred by you, the Cardmember and/or the Guarantor or any third party as a result of any such access or disclosure. Any such liability that the Bank may have to the Cardmember or you is limited to Direct Damages.

      "Direct Damages" means actual damages or losses suffered by the Cardmember, you or any party as a result of a direct and immediate action by us and shall not include any compensation for special, punitive, indirect, incidental or consequential damages or losses of any kind whatsoever, including but not limited to loss of profits, business or value, whether or not foreseeable.

  4. Unless otherwise notified by you, the Cardmember and/or the Guarantor in writing or by calling CitiPhone, you, the Cardmember and/or the Guarantor agree and permit the Bank to send commercial electronic messages to you, the Cardmember and/or the Guarantor relating to the Bank's products and/or services (i.e. either by way of electronic mail and/or SMS), which may be unsolicited and/or sent in bulk to the Bank's clients.
  5. You, the Cardmember and/or the Guarantor represent and warrant that you, the Cardmember and/or the Guarantor have obtained the agreement and consent of all relevant persons, including your, the Cardmember’s and/or the Guarantor’s beneficial owners, persons under the trust, partners, committee members, security providers, directors, officers and authorized signatories, your subsidiaries, affiliated or associated companies of, or related entities controlled directly or indirectly by you and any of their respective branches and offices, wherever situated and their respective beneficial owners, persons under the trust, partners, security providers, committee members, directors, officers or authorized signatories to any disclosure of information relating to them pursuant to this clause 35. You have further provided to these parties the necessary notices and secured the necessary waivers to carry out the actions described in this clause 35 and will in the future provide the necessary notices and secure such necessary consents and waivers in advance of providing the information to Citigroup , any agents and persons to whom Citigroup outsources the performance of its operational functions (including, without limitation, any Third Party Service Provider) and/or who provides any services, whether within or outside Malaysia and any Payment Infrastructure Provider.
  6. You, the Cardmember and/or the Guarantor agree that its consent in this document constitutes its consent for any such disclosure for the purposes of any other requirement whether statutory, contractual or otherwise and whether or not having any force of law.
  7. You, the Cardmember and/or the Guarantor expressly authorize the Bank at any time and from time to time process, including but not limited to access, obtain, verify and/or use any data or information from any source (including any credit reference agencies, Bank Negara Malaysia, any credit bureau, and/or CCRIS and such relevant authorities) for purposes of evaluating your (including all the guarantors’ and security providers’, as may be applicable), the Cardmember’s and/or the Guarantor's credit standing in connection to you, the Cardmember and/or the Guarantor and any facility, service or accommodation you, the Cardmember and/or the Guarantor have or may have (whether or not with the Bank) as the Bank may at its discretion deem fit. You, the Cardmember and/or the Guarantor understand that the opening, operation and conduct of your, the Cardmember's and/or the Guarantor's account(s) and any future facility, service or accommodation applied for by you, the Cardmember and/or the Guarantor or granted by the Bank (whether in your, the Cardmember's and/or the Guarantor's sole name or jointly with another or others, presently or subsequently opened) may be reported to DCHEQS maintained by Bank Negara Malaysia, CCRIS and such relevant authorities (as the case may be) as the Bank may at its discretion deem fit.
  8. Your, the Cardmember's and/or the Guarantor's request, permission and authorization granted in these terms and conditions (including your, the Cardmember's and/or the Guarantor's request, permission and authorization for the disclosure of the Data as provided in or contemplated by these terms and conditions) shall remain in full force and effect, as long as it may be necessary or required by the Bank or any law and you, the Cardmember and/or the Guarantor confirm that no further request, permission or authorization (collectively referred to as "Consent") is necessary or required in relation to such disclosure.
  9. Your, the Cardmember's and/or the Guarantor's Consent shall be in addition to and shall not affect any other future or existing Consent that may or will be given by you, the Cardmember and/or the Guarantor, in relation to the same subject matter or otherwise.
  10. To the fullest extent permitted by law, the Bank is entitled (but not obliged) to:
    1. verify or ensure that any Data/information is true, complete and accurate;
    2. update the Data/information; or
    3. notify any person of any changes or updates to the Data/information;
  11. To the fullest extent permitted by law, no liability to you, the Cardmember and/or the Guarantor arises from any disclosure and/or transfer of any Data/information (as contemplated by this clause 35) under any circumstances for any loss or damage (whether direct or indirect, foreseeable or unforeseeable) and howsoever arising (whether in contract, tort or otherwise), including any loss or damage resulting from:
    1. the Bank or any other person's disclosure or transfer of the Data/information;
    2. the Bank or any other person’s reliance on the Data/information; or
    3. the Data/information being inadequate, inaccurate, incorrect, untrue, erroneous or misstated for any reason, including:

        (aa) any act or omission of the Bank or any other person (including any delay in or failure to update or notify of any changes to the Data/information); or

        (bb) any technical, hardware or software failure, interruption, breakdown or error;

  12. To the fullest extent permitted by law, you, the Cardmember and/or the Guarantor shall fully indemnify the Bank from and against all claims, expenses, legal actions and liabilities which may from time to time be brought against or incurred by the Bank in relation to the disclosure or transfer of any Data/information ("Liabilities"). The amount of the Liabilities indicated by the Bank shall be conclusive, unless it is obviously incorrect. This clause applies whether or not any facility, service or accommodation have been utilized, cancelled or terminated.

36. Our Right to Appoint Agent

You and/or the Guarantor expressly agree that we may appoint an agent ("the Agent") to collect all sums due to us from you under these terms and conditions and we may disclose to the Agent, your Card Account and any other relevant information pertaining to the Card Account to facilitate the collection of all sums due and owing to us by you and/or the Guarantor.

37. Conclusive Evidence

  1. Any admission or acknowledgement in writing by you or any person authorised by you and/or the Guarantor, as the case may be, of the amount of indebtedness owing to us and any judgment recovered by us against you and/or the Guarantor in respect of such indebtedness will be binding and conclusive against you and/or the Guarantor, as the case may be, in all courts of law in Malaysia and elsewhere.
  2. You and/or the Guarantor, as the case may be, expressly and irrevocably agree that a certificate of indebtedness issued by one of our officers is conclusive and binding evidence as to the any monies for the time being due and owing under the Card Account and these terms and conditions to us and will be conclusive evidence against you and/or the Guarantor, as the case may be, in any legal proceedings.

38. Costs and Expenses

You are liable to pay to us all legal costs (including costs on a solicitor and client basis), charges and expenses which we may incur in enforcing or seeking to enforce any of the provisions of this these terms and conditions or in obtaining or seeking to obtain payment of all or any part of the monies owing by you.

39. Indemnity

  1. You hold us harmless and fully indemnify us against any liability for loss, damage, costs and expenses (legal or otherwise, including costs on a solicitor and client basis) which we may incur by reason of the provisions of or enforcement of our rights under these terms and conditions.
  2. Any liability that the Bank may have to you under these terms and conditions is limited to Direct Damages only.

40. Service of Legal Process

  1. Any notice, request or legal process will be deemed to have been served on you and/or the Guarantor if sent by prepaid ordinary post to your and/or the Guarantor's last known address(es), as the case may be, (whether such address is a Post Office Box or is a place of residence or business) as may be provided to us or to our solicitors. Nothing in this section will affect our rights to serve any legal process on you and/or the Guarantor, as the case may be, in any other manner permitted by law.
  2. Such legal process or document is deemed to have been received by you on the fifth (5th) day from the date it is posted, regardless of whether it is returned through the post office undelivered.
  3. Where you and/or the Guarantor do not reside in Malaysia, you undertake to nominate an agent with an address in Malaysia to accept service of any legal process in Malaysia, if requested to do so by us. Such agent will acknowledge in writing to us of its appointment as such agent and service of legal process on the agent will be deemed good service on you and/or the Guarantor, as the case may be.
  4. For the purposes of this Section, "legal process" includes all forms of originating process, pleadings, interlocutory applications of whatever nature, affidavits, orders and such other documents and notices as may be required to be given or served under any legislation or subsidiary legislation.

41. Waiver

  1. Even if we have previously:
    1. accepted late payments, partial payments, or cheques or money orders marked as constituting payment in full;
    2. waived any of our rights; or
    3. granted any indulgence;

    we are not prevented from enforcing our rights or collecting amounts due to us under these terms and conditions. In addition, such actions on our part do not constitute our consent to the variation of any of the terms of these terms and conditions in any way.

  2. We may waive our rights under these terms and conditions in certain circumstances, without affecting our other rights. If we waive any right, we do not waive the same right in other circumstances.
  3. The rights and remedies provided in these terms and conditions are cumulative and not exclusive of any rights or remedies provided by law.

42. Time of Essence

Time is of the essence of these terms and conditions.

43. Assignment, Transfer and Novation

  1. You agree that the balance standing to the credit of your Card Account, Sub-Account and/or your Other Bank Accounts, as the case may be, cannot in any way be assigned, transferred or charged to any third party by way of security, except with the Bank’s prior written consent and subject to such conditions as the Bank may prescribe. The Bank may make such assignment or transfer to a branch, related corporation or affiliate if it does not materially affect the provision of services to you.
  2. You agree to any novation of the Agreement made between us under these Terms and Conditions and under any related instrument(s), documents and/or guarantee in connection with it and with the Card Account and/or Sub-Account or securing your obligations under the same (whether or not, due to what we consider reasonably necessary for us to comply with the laws or regulations of any jurisdiction, domestic or foreign). You also agree that the Bank is entitled to assign or transfer absolutely to a transferee all or some of our rights, title, interests, benefits, obligations and liabilities under these Terms and Conditions and/or under any related instrument(s), documents and/or guarantee in connection with it and/or with the Card Account and/or Sub-Account and/or securing your obligations under the same (whether or not, due to what the we consider reasonably necessary for us to comply with the laws or regulations of any jurisdiction, domestic or foreign). You further agree that any such novation, assignment or transfer may be effected by us delivering to you a notice to that effect whereupon:-
    1. our assigned or transferred rights, title, interests and benefits are transferred to and assumed by the transferee;
    2. we will be fully discharged and released from our assigned or transferred obligations and liabilities;
    3. we retain all rights, title, interests, benefits, obligations and liabilities not so assigned or transferred;
    4. the transferee is bound by identical rights, title, interests, benefits, obligations and liabilities which we have assigned or transferred; and
    5. any acknowledgement (including risk disclosure statements and acknowledgements), information (including information provided in respect of risk profiling), instruction, order, direction, mandate or authority given by you to us in relation to the Card Account, Sub-Account and/or your Other Bank Accounts, as the case may be, or securing your obligations under the Card Account and/or Sub-Account, as the case may be, may be relied and acted upon by the assignee or transferee as if given by you to the assignee or transferee and will, unless and until revoked or cancelled, apply and have effect. You also undertake to execute and sign any document (if any) which may be required to give effect to the assignment or transfer.
  3. You cannot assign, transfer or novate any of your rights and obligations under these terms and conditions without our prior written consent.

44. Successors Bound

These terms and conditions bind our respective successors-in-title and assigns.

45. Severability of Provisions

If any of the provisions of these terms and conditions becomes or is finally determined to be invalid, illegal or unenforceable in any respect under any law, rule or regulation, all other provisions of these terms and conditions will still be valid and enforceable.

46. Governing Law and Jurisdiction

  1. These terms and conditions are deemed to be a contract made under the laws of Malaysia, and is for all purposes governed by and construed in accordance with the laws of Malaysia. Parties to these terms and conditions agree to submit to the non-exclusive jurisdiction of the Courts of Malaysia or the courts of such other competent jurisdictions as we may in our sole discretion elect.
  2. If you are a non-citizen or non-resident of Malaysia, you should be aware of the laws in your country with regards to your banking and banking relationship with us in Malaysia. We will not be liable for any loss or liability imposed by your country on you as a result of your non-compliance with any laws, regulations or directives of your country.

47. Execution of Further Documents

You, the Cardmember and/or the Guarantor undertake to sign any further documents as we may request.

48. Notification of Change

  1. You undertake and are obliged to inform us promptly if:
    1. you intend to reside outside Malaysia;
    2. there is any change or proposed change in your registered address or business address, email address and/or your contact number(s); and/or
    3. there is any change to the personal information furnished by you in our records;

    and you must immediately provide us with any or other information and documents as we may require from time to time in our discretion.

  2. We rely on your personal information being kept up-to-date and complete. You will not hold us liable or make any claims against us if our records are out-of-date, incomplete or inaccurate because we were not advised of the change. For purposes of informing us, you may do so:
    1. by calling Citibank Phone Banking (CitiPhone); or
    2. by writing to us in the manner provided in Clause 20 above, including via Fax Instructions or via Electronic Instructions.

49. Cardholder's Departure from Malaysia

  1. If any Cardmember is absent from Malaysia for more than one (1) month, you and/or the Authorised Owner is obligated to inform us of this at least seven (7) days prior to departure.
  2. If the Cardmember leaves Malaysia to take up residence elsewhere, without affecting our right to terminate the Card and/or Card Account, you and/or the Authorised Owner must ensure that the Card is returned to us cut into halves or several pieces (including magnetic strip the microchip embedded in the Card) so that these components are completely damaged, for cancellation at least fourteen (14) days prior to the departure of the Cardmember.

50. Features and Benefits Renewable

In line with our commitment to upgrade the Card's services and benefits, we may review and revise any of the features and benefits listed in any brochures printed by us or appearing on our website.

51. Compliance with Laws

  1. You acknowledge that you are solely responsible for, and that neither we nor any other Corporation in the Citigroup Organisation have any responsibility for your compliance with any laws, regulations or rules applicable to your use of any products and/or services in these Terms and Conditions including, but not limited to, any laws, regulations or rules, in your or any other jurisdiction, relating to tax, foreign exchange and capital control and for reporting or filing requirements that may apply as a result of my country of citizenship, domicile, residence or taxpaying status.
  2. You hereby agree to provide us with such information as we may require from time to time, and shall update that information as required by us from time to time, to enable Citigroup, Inc, Citigroup Organisation and/or us to comply with any laws or regulations of any jurisdiction, domestic or foreign, or any agreement entered into with or between Authorities.

PHONE BANKING TERMS AND CONDITIONS

Note: This is only applicable to the Authorised Owner who is the only person authorised to use the phone banking facility for purposes of giving any instructions to us on your behalf. The word "you" will include the Authorised Owner, where applicable.

In addition to the above terms and conditions, if you request for the use of our services via telephone, whether through telephone or other telecommunication services offered by us, (the "Services") and may have been issued a personal identifying code or number ("T-PIN"), the following terms and conditions will also apply:

  1. Regardless of the terms of any present or future mandate or other agreement between you and ourselves, we are authorised to act on and to treat and consider as valid and binding on you any telephone instructions given by any person quoting or keying in the title or number of the Card Account and the valid and current T-PIN for the Card Account or any personal information in relation to you which was previously furnished by you to us.
  2. You agree that the quoting and keying in of such information is sufficient proof of the authenticity of such instructions. We are not under any obligation to verify the identity or the authority of the person giving the telephone instructions in or purportedly in your name and we are not liable for acting on the telephone instructions which are given by the person regardless of whether the person is authorised or unauthorised and regardless of the circumstances prevailing at the time of such instructions.
  3. However, we reserve the discretion not to carry out any such instructions if we have any reason to doubt its authenticity or if in our opinion it is unlawful or otherwise improper to do so or for any other reason.
  4. You agree to keep the T-PIN strictly confidential at all times and must not disclose or permit it to be disclosed to any person. You must report to us immediately if the T-PIN has become known to any person. You must bear all consequences arising out of your failure to comply with your obligations under this provision.
  5. We may at our discretion require you to:
    1. confirm the instructions in writing within the period stipulated by us and/or call us to confirm the instructions and/or to provide such other information and/or execute such other documents which we may deem necessary, failing which we may treat such instructions as having lapsed; or
    2. refute the instructions in writing within the period stipulated by us, failing which we may treat such instructions as having been confirmed by you.
  6. Transactions relating to the Card Account requested by you through the use of the Services will be reflected in your next statement. Upon receipt of the statement, you are deemed to have examined all the entries, including all entries requested through the use of the Services.
  7. You are under the duty to report any errors, discrepancies or inaccuracies in the statement to us in writing, within fourteen (14) days from the date you received or are deemed to have received the statement. If for any reasons, we do not receive any such written notification from you within fourteen (14) days, you will be deemed to have accepted the entries in the statement made up to the date of the last entry in the statement as correct and as final and conclusive evidence of all facts relating to all transactions requested by you through the use of the Services. For the avoidance of doubt, this provision only applies to you without affecting our rights to make good, correct or reverse any entries to recover any monies mistakenly credited into your Card Account (whether by a third party or for our use) for which you will be liable to pay over to us.

    The statement will be considered conclusive and binding as against you and your legal representatives and successors and you will be precluded from making any claim against us by alleging that the statement contains any error, discrepancy or inaccuracy in relation to the transactions requested by you through the use of the Services.

  8. For the avoidance of doubt, all these terms and conditions relating to statements of account will apply to the extent that they are not inconsistent with the terms and conditions of this provision.
  9. Any information given by us under the Services is for reference only. We are not liable or responsible for the sufficiency or accuracy of the information so given and we reserve the right to update and vary such information at any time with notice.
  10. We are not liable for any loss, however it may arise, in connection with the carrying out or failure or delay in carrying out your instructions.
  11. We may (but are not obliged to) record the telephone instructions by recording and such recording of instructions will be conclusive and binding on you. You agree and authorise us to use such recordings (or transcript of such recordings) for purposes of any legal proceedings.
  12. All documents sent by you and received by us and all taped recordings of your instructions will be admissible as primary evidence in any civil proceedings between us and you and/or the Guarantor.
  13. We reserve the right to add to or vary any of the Services available through telephone or any of the terms and conditions here by giving you due notice in any form that we deem sufficient.
  14. We reserve the right to cancel or suspend any of the Services.
  15. You will pay us all fees and charges which we may impose in connection with the Services.
  16. The Services includes (but is not limited to) checking on the status of the Card Account, making payments and accepting the offers to participate in the products or programs as may be introduced or implemented by us in relation to or in connection with the use of the Card.
  17. The terms and conditions here are in addition to and not in substitution for any other agreements, mandates, terms and/or conditions relating to the Card Account.

CITIBANK ONLINE TERMS AND CONDITIONS

In addition to the above terms and conditions, if you request for the use of our services through Citibank Online, the terms and conditions of our online terms and conditions will apply in addition to and not in substitution for any terms and conditions relating to your Card Account. You can view Citibank Online terms and conditions at www.citibank.com.my.

CITIBANK CITIBUSINESS 1.5X REWARDS TERMS AND CONDITIONS

  1. This "Citibank CitiBusiness 1.5X Rewards Terms and Conditions" govern the entitlement of Citi Rewards Points for CitiBusiness Credit Cardmembers holding CitiBusiness Credit Cards issued by Citibank Berhad (297089-M) ("Citibank"). Except otherwise stated in these terms and conditions, all definitions used here have the same meaning in the CitiBusiness Card Terms and Conditions.
  2. Save and except stated in these Terms and Conditions, the provisions of the Citibank Rewards Program Terms and Conditions, which can be found at www.citirewards.com will apply here.
  3. Subject to Citibank's discretion as it deems fit to determine the mechanics applicable to the rewards points program, Citibank CitiBusiness Cardmembers who are residents of Malaysia, are eligible to enjoy 1.5X Rewards Points ("Eligible Cardmembers" or each "Eligible Cardmember"), except for the following persons:
    1. Holder(s) of CitiBusiness Credit Card(s) not issued in Malaysia;
    2. Holder(s) of CitiBusiness Credit Card(s) who is (are) in default of or cancelled facilities granted by Citibank, subject to Citibank's discretion; and/or
    3. any person who has (have) committed or is (are) suspected of committing any fraudulent or wrongful acts and/or transactions in relation to use of his/their Citibank credit card(s) or any other facility or service granted by Citibank, including Citibank Online defined as www.citibank.com.my
  4. For CitiBusiness Card Accounts under business underwriting, the Eligible Cardmember includes the Authorised Owner can redeem any Rewards Points on behalf of the Business. Any Rewards Points obtained by the Cardmembers nominated to be issued with supplementary credit cards can only be redeemed by the Authorised Owner.
  5. For the avoidance of doubt, purchases for petrol and fuels will not earn any Citi Rewards Points unless Citibank determines otherwise.
  6. These Terms and Conditions may be changed or varied by Citibank and when we decide to do so, Citibank will give prior notice, including posting on Citibank Online, which is accessible via www.citibank.com.my. In this respect, it is the responsibility of the Eligible Cardmembers to access Citibank Online at regular intervals to view these terms and conditions and to ensure that Eligible Cardmembers are kept up-to-date with any changes or variations.