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Citibank Gold Credit Card

Top 3 reasons to get a Citibank Gold Credit Card

Citibank Gold Credit Card
  1. 3X Citi Rewards Points at major department stores and hypermarkets.
  2. Evergreen Citi Rewards Points.
  3. Accepted in over 120 countries and over 30 million establishments worldwide.
Terms and conditions apply.
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Citibank Gold Credit Card Terms and Conditions

Citibank Gold 3 Times Rewards (“Citibank Gold 3X Rewards”) - Terms and Conditions
   
1. This Citibank Berhad (“Citibank”) Gold 3X Rewards Points feature (“3X Rewards Points Feature”) is valid from 1st November 2010 onwards.
   
Eligibility
2. Subject to Clause 3 below, all core Citibank Gold Visa/Mastercard credit Cardmember who are residents of Malaysia, are eligible to enjoy this 3X Rewards Points Feature (“Eligible Cardmember”).
   
  The following persons are NOT eligible for this 3X Rewards Points Feature:
  a) Holder(s) of Citibank Gold credit card(s) not issued in Malaysia;
  b) Holder(s) of any co-branded Citibank Gold credit cards;
  c) Holder(s) of Citibank Gold credit card(s) who is (are) in default of or cancelled facilities granted by Citibank, subject to Citibank’s discretion; and
  d) Holder(s) 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).
   
The 3X Rewards Points Feature
3. Eligible Cardmember who use their Citibank Gold credit card for retail transactions at the following departmental stores, supermarkets and hyper markets in Malaysia are entitled to receive 3X Rewards Points in the manner as set out in Clause 4 below:
   
 
No.
Names of Department Stores in Malaysia
1.
Tangs
2.
Metrojaya
3.
Parkson
4.
AEON
5.
Robinsons
6.
Marks & Spencer

No.
Names of Supermarkets/Hypermarkets in Malaysia
1.
Cold Storage
2.
Tesco
3.
Giant
4.
AEON Big (formerly known as Carrefour)
5.
Everrise
6.
Servay
  The list of stores is provided for Cardmember’s information only and is not a representation that the stores listed are Citibank merchants. Citibank has the right to amend the list.
   
4. Subject to these Terms and Conditions, Eligible Cardmember may receive the 3X Reward Points Feature in the following manner:
   
 
Type of Credit Card Total Amount of Rewards Points Awarded
Citibank Gold (as specified in Clauses 2 and 3 above) a) Three (3) times Rewards Points on the amount spent on retail transactions at selected department stores (as listed in Clause 3 above). So, every RM1.00 of retail transaction posted to the Eligible Cardmember’s credit card account will generate three (3) Rewards Points.
b) Three (3) times Rewards Points on the amount spent on retail transactions at selected supermarkets and hypermarkets (as listed in Clause 4 above). So, every RM1.00 of retail transaction posted to the Eligible Cardmember’s credit card account will generate three (3) Rewards Points. However, the 3X Reward Points Feature for this category of retail transactions will only be rewarded to a maximum of RM3,000 amount spent on such retail transactions in each billing cycle month. Accordingly, for any amounts above such maximum spent of RM3000 in a particular billing cycle month, the usual reward points system will be applicable, that is, every RM1.00 of retail transaction posted to the Eligible Cardmember’s credit card account will generate one (1) Rewards Point.
   
  Citibank is not liable for any delay in the actual posting of the transactions and /or Rewards Points earned during the 3X Rewards Points Feature.
   
5. Citibank is not responsible for the quality, merchantability or the fitness for any purpose or any other aspect of the products and/or services provided by third parties.
   
6. The following transactions are not taken into account in the accumulation of additional Rewards Points via this 3X Rewards Points Feature:
  a) Citibank EasyPay, Flexi Payment Plan, Autobilling, Cash Advance, Dial For Cash, Balance Transfer and Balance Transfer via Installment Plan;
  b) refunded, international, disputed, unauthorized or fraudulent retail transactions;
  c) retail transactions at stores not listed in Clause 4 (as amended);
  d) payment of annual card membership fees, interest payments, late payment fees, charges for cash withdrawals; and
  e) any other form of service or miscellaneous fees.
   
7. Subject to the Eligibility Criteria specified above, transactions made by a supplementary Citibank Gold Cardmember will also be entitled to the 3X Rewards Points Feature. However, only the principal Eligible Cardmember will be able to make a redemption.
   
8. Rewards Points must be redeemed and used only by the principal Eligible Cardmember. Redemption of Rewards Points is subject to Citibank’s sole discretion.

  Further, Citibank has the right to cancel Rewards Points earned on credit card accounts where:
  a) the minimum payment has been due for thirty (30) days or more;
  b) the credit limit has been exceeded;
  c) the account is believed by Citibank to be operated fraudulently; or
  d) any accounts otherwise closed by Citibank.
   
9. Rewards Points earned are not transferable. Cardmember are not allowed to sell their Rewards Points to any other person.

If the 3X Rewards Points are awarded to and received by persons who are not Eligible Cardmember, Citibank has the right to disqualify such persons from enjoying the additional Rewards Points and/or from redeeming or using the additional Rewards Points.
   
Miscellaneous
10. Citibank is not liable for any default in respect of the 3X Rewards Points Feature due to any act of God, war, riot, strike, lockout, industrial action, epidemic, pandemic, fire, flood, drought, storm, technical or systems failure or any event beyond the reasonable control of Citibank.
   
11. (1) Citibank’s decisions on all matters relating to the 3X Rewards Points Feature, including the determination of Eligible Cardmember is conclusive and binding.
  (2) Citibank is entitled, in its absolute discretion, and without giving any reasons, to take into account any card transaction or charges or retail purchase in the calculation of Rewards Points or to otherwise vary the basis of calculation of Rewards Points.
   
12. (1) Citibank has the right to terminate or suspend the 3X Rewards Points Feature with prior notice.
  (2) Such termination or suspension by Citibank of the 3X Rewards Points Feature does not entitle the Cardmember to any claim or compensation against Citibank for any losses or damages incurred by the Cardmember as a result of the act of termination or suspension.
   
13. (1) Participation in the 3X Rewards Points Feature is subject to these Terms and Conditions and the terms and conditions in the Citibank Credit Card Terms and Condition and the Citibank Rewards Program. If there is any inconsistency between these terms & conditions and the Citibank Rewards Program Terms & Conditions only for in relation to the 3X Rewards Points Feature, these terms & conditions will prevail.
  (2) Citibank has the right to modify, vary, delete or add to any of these Terms and Conditions with prior notice. These Terms and Conditions may be modified, varied, amended, deleted or added to by Citibank by way of posting on its www.citibank.com.my website (“Website”) or in any other manner deemed suitable by Citibank.
  (3) The Eligible Cardmember agree to access the Website regularly to view and understand these Terms and Conditions and to ensure that they are kept up-to-date with any changes to these Terms and Conditions.
  (4) The Eligible Cardmember agree that their participation in the 3X Rewards Points Feature constitutes their acceptance of these Terms and Conditions.
   
14. These Terms and Conditions prevail over any provisions or representations contained in any other promotional materials advertising the 3X Rewards Points Feature.
   
15. To the fullest extent permitted by law, in no event will Citibank or any of its officers, servants, employees, representatives and/or agents (including any third party service providers that Citibank may engage for purposes of the 3X Rewards Points Feature) be liable for any losses or damages (including loss of income, profits or goodwill or indirect, incidental, consequential, exemplary, punitive or special damages of any party including third parties) which arise in connection with the 3X Rewards Points Feature, even if Citibank has been advised of the possibility of such damages in advance. All such damages are expressly excluded.
   
16. These terms and conditions will be governed by and interpreted in accordance with the laws of Malaysia.


TERMS AND CONDITIONS FOR GOLD-ON-CALL ASSISTANCE

All references here to “Gold Card” means all Citibank Gold credit cards issued by Citibank Berhad (297089-M) “Citibank”) and “Gold Cardholder” means the holder of a Gold Card.

Citibank is making available to the Gold Cardholders, through “CitiPhone”), access to the following merchants (“Merchants”or “Merchant”depending on context):

  1. Asia Assistance Network Sdn Bhd (470560-A);
  2. Holiday Tours & Travel Sdn Bhd (23070-H); and
  3. any other Merchant of products and/or services as Citibank may add or remove.

With specific reference to Holiday Tours Sdn Bhd, you will be entitled to receive Gold Travel Vouchers from Holiday Tours Sdn Bhd worth RM80 when you make a minimum ground purchase (on selected Holiday Tours housebrand, General Sales Agent (GSA) and Preferred Sales Agent (PSA) products) of at least RM3,500 per booking. For the avoidance of doubt, the redemption of the Gold Travel Vouchers, tours, travel and airline packages are governed by the applicable terms and conditions stipulated by Holiday Tours Sdn Bhd.

When a Gold Cardholder wishes to purchase or utilize any of the products and services offered or supplied by any of the Merchants, he/she may call CitiPhone and CitiPhone will re-direct the call to the relevant Merchants.

Payment for all products and services which requires payment from the Gold Cardholder must be charged to the Gold Card.
1. By providing the Services:

  1. Citibank will not be liable to the Gold Cardholder or any person(s) whom the Gold Cardholder nominates to receive on behalf of or use any products and services offered or supplied by any of the Merchants. The rights, if any, which the Gold Cardholder may have in connection with the products and services are solely against the relevant Merchant of the products and services;

  2. Citibank will not be liable to the Gold Cardholder or any other person(s) whom the Gold Cardholder nominates to receive on behalf of use any products and services offered or supplied by any of the Merchants for any death, injury or consequential loss or damage of any nature which may arisen from the supply of the products and/or the performance of the services by the relevant Merchant;

  3. Citibank gives no representation or warranty with respect to any products supplied or services performed by the Merchant(s). In particular, with respect to the quality of the products and services or their suitability for any purpose. Notwithstanding any provisions to the contrary, any dispute or complaint concerning products or services received through the use of the Services must be settled directly between the Gold Cardholder and the relevant Merchant or Merchants. Citibank is not responsible for resolving such disputes or for the dispute itself; and

  4. Citibank is not responsible for any acts or omissions on the part of any of Merchants or for any defect or deficiency in the services and products provided by any of the Merchants.

   
2. Citibank reserves the right to change or vary any of these terms and conditions with prior notice. These Terms and Conditions may be changed or varied by Citibank by way of posting on its website at www.citibank.com.my (“Website”) or in any other manner deemed suitable by Citibank. The Gold Cardholder agrees to access the Website at regular time intervals to view and understand these Terms and Conditions and to ensure that they are kept up-to-date with any changes or variations to these Terms and Conditions.
   
3. Citibank has the right to terminate the Services or vary the participating Merchant or Merchants at any time, with prior notice.
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