CITI PLATINUM CREDIT CARD

Top 3 reasons to apply for a Citi Platinum Credit Card

  • 5X Rewards Points

    Accelerate your Rewards earnings at major department stores and supermarkets/hypermarkets.

  • Extended Warranty

    Enjoy up to 24 months extended warranty which takes effect when the original manufacturer's warranty expires.

  • 20% premium dining discounts

    20% dining discount at premium dining outlets and an additional complimentary wine/dessert for every RM500 spent in a single receipt.

    *Terms and conditions apply.

Benefits
Citi Platinum Card Benefits
Most rewards Redeem anything, anywhere**

Earn 5X Citi Rewards Points at major department stores and *supermarkets/ hypermarkets.

Click here to view the selected merchants.

Enrollment not required.

*5X Rewards 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.

Just call our Citibank Platinum Hotline at (603) 2383 1010 (603) 2383 1010 to offset your purchase with your Citi Rewards Points.

**Valid for retail transactions above RM200 only.

  • Citibank Platinum Travel Hotline

    Travel hotline for airlines and tour packages booking at 603-62866222 603-62866222 from Monday to Friday (9am - 6pm) by Holiday Tours & Travel Sdn. Bhd.

  • Present your Citi Platinum Card and a valid boarding pass for complimentary access to the Plaza Premium Lounge in KLIA, Langkawi International Airport and Sultan Ismail International Airport (Johor) with the following facilities at your disposal:

    • Freshly prepared hot meals and beverages
    • Free flow of draught beer
    • Shower with amenities
    • Complimentary high-speed email, Internet access & local calls
    • Reading materials, TV area and Movies
  • Complimentary travel Insurance with peace of mind:

    Travel Inconvenience Coverage (limit per cardmember)

    • Baggage Loss: Up to RM12,000 if your luggage is lost or not delivered within 24 hours when travel to overseas.
    • Baggage Damage: Up to RM500.
    • Baggage Delay: Up to RM2,000 if your luggage is not delivered within 6 hours when travel to overseas.

    Overseas 24 Hours Personal Accident

    • Covers you and your supplementary cardmember(s) for any personal accidents incurred while overseas of up to RM200,000 when you charge your travel ticket to your Citi Platinum Card.

    Home Away Content

    • If you suffer a burglary to your home and its contents while you are away, you are eligible to be reimbursed up to the sum insured, up to a maximum of RM15,000 per year.

**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.

  • Purchase Protection
    • Eligible purchase on Citi Platinum Card are protected for 30 days up to maximum of RM30,000 per item/RM75,000 per occurrence of an Excess of 50% of the loss subject to a minimum of RM75.00 is applied in respect of accidental loss or damage including theft (other than burglary, robbery and hold-up) from the total loss payable to the Cardmember.
  • Refund Protection
    • If you are dissatisfied with your purchase within 30 days and the retailer refuses to take the purchased item back, you can return it and be reimbursed with the purchase price up to RM1,500 per item/ RM8,000 per occurrence.
  • Extended Warranty:
    • Get an Extended Warranty that takes effect when the original manufacturer's warranty expires, which covers products bought in Malaysia costing RM15,000 per item or less. The total coverage period shall be equal to the original manufacturer's warranty, up to maximum of 24 months. The total sum insured is up to RM2,500 per item and RM5,000 per occurrence.

**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 Platinum 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 (discount is not applicable for on-going promotional packages and excludes medical officers and specialists' consultant 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 Citi Platinum Card.

KPJ Care for Life

*Operated by KPJ. Terms and conditions apply.

  • Malaysia Philharmonic Orchestra

    Enjoy complimentary tickets for Citibank Angklung Suite and up to 15% discount on all single tickets.
    Find out more.

  • 24-hour dedicated platinum priority line

    You can call to Citibank Platinum services at 03-2383 1010 03-2383 1010 for any enquiry on your Citi Platinum Card account.

  • ATM & Cash Advances Worldwide

    Access to instant cash advances from more than 500,000 Visa PLUS ATMs worldwide with your Personal Identification Number (PIN).

  • Citibank World Privileges

    Enjoy the privileges being offered at over 24,000 establishments worldwide. Visit www.citiworldprivileges.com for full list of privileges.

  • Just use your card 3 times within 60 days to enjoy 1 year annual fee waiver.
  • If you are a Citigold cardmember, no annual fee will be charged.
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

Principal: RM 600 per annum.

Additional Card: RM 300 per annum.

Supplementary: RM 150 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

  • Credit Card Account Information
  • E-Statement
  • Online Bill Payment
  • Mobile Bill Payment
  • Mobile Prepaid Reload
  • Fund Transfer
  • Citi Alerts
  • Rewards Redemption
Promotions

Complimentary Extended Warranty Insurance

Double your warranty at zero cost.

Enjoy up to 24 months extended warranty which takes effect when the original manufacturer's warranty expires.

The length of the Extended Warranty is equal to that of the original manufacturer's warranty up to 24 months. The total warranty period cannot exceed 48 months.

  1. Air Conditioner
  2. Answering Machine
  3. Blender, Mixer
  4. Camera
  5. CD/VCD/DVD
  6. Coffee Maker
  7. Compactor
  8. Cordless phone
  9. Dishwasher
  10. Electric Stove
  11. Electric Work
  1. Dryer
  2. Electronic Flash
  3. Fan
  4. Fax
  5. Food Processor
  6. Heater
  7. House phone
  8. Iron
  9. Juicer
  10. Microwave
  11. Mobile Phone
  1. Polaroid
  2. Portable CD
  3. Receiver/amplifier/speaker
  4. Refrigerator
  5. Sewing Machine
  6. Toaster
  7. Toaster Oven
  8. TV
  9. Vacuum Cleaner
  10. VCR
  11. Washing Machine

When you charge the cost of the covered product with your Citi Platinum Card, the Extended Warranty will take effect once the original manufacturer's warranty ends. The length of the Extended Warranty is equal to that of the original manufacturer's warranty up to 24 months. The total warranty period cannot exceed 48 months. The covered product must be purchased within Malaysia with the minimum purchase price of RM250 and not exceeding RM15,000.

Sum Insured any one item Sum Insured per occurance
Up to RM2,500 Up to RM5,000
Sum Insured in the aggregate (for annual period)
Up to RM15,000

When your covered product's original manufacturer's warranty expires, the Extended Warranty takes effect.

All existing Citi Platinum Cardmembers.

No. The Extended Warranty is a benefit of your Platinum Card membership.

In the event of a breakdown of the appliance, you must first check that the appliance is a Covered Appliance under terms and conditions of the policy. In the event of claim, call ACE Jerneh Insurance Berhad at 1800-88-2393 1800-88-2393 and request for a claim form which must be completed, signed & returned to ACE Jerneh Insurance Berhad within 30 days accompanied by the following:

  • i. Cardmember's card statement detailing the purchase(s) made
  • ii. Original store receipt/the item's purchase invoice
  • iii. Original customer's portion of the original manufacturer's warranty
  • iv. Original quotation from authorised repairer detailing cause & nature of damage

Ensure that a pre-approval letter is obtained from ACE Jerneh Berhad before sending the appliance for repair.

For full terms and conditions, click here.

Treats at premium dining venues

Pamper yourself a little bit more when you indulge in a night out, with:

  • 20% off total food bill
  • Complimentary wine/dessert with a minimum spend of RM500 in a single receipt

Music to your ears at Dewan Filharmonik PETRONAS

Music to your ears at Dewan Filharmonik PETRONAS

Enjoy world class local and international performances with:

  • Complimentary tickets for Citibank Angklung Suite.
  • Up to 15% discount on all single tickets.

Zouk Club Kuala Lumpur

  • 15% off hard liquor bottle purchases*
  • Complimentary entry before midnight via Citibank VIP lane**
  • 1-for-1 drinks or jugs of beer/cocktail at Zouk Café Bar

Complimentary entry, VIP lane and 15% discount privileges will not be extended to the eve of public holidays and special events such as Halloween, concerts and selected guess DJ nights. Club rules apply.

*Not valid for promotional.

**Limited to the first 300 people, comprising Citibank cardmembers (and a maximum of one guest for each Citibank cardmember) from Tuesday-Saturday, 9.00p.m. to 12.00 a.m.

For full terms and conditions, click here.

How To Apply

Applying for a Citibank Platinum Credit Card is simple. The application process should take less than 10 minutes of your time to complete if you have all your personal details ready at hand.

Here's How You Can Apply:

Required Document for New-To-Bank applicants:

Type of Applicants Documents Required
Salaried Employee Photocopy of MyKad (both sides)

Latest EPF Statement

OR

Latest 2 months salary slip*

AND/OR

Any of the following documents where required.

  • Latest BE form with tax receipt
  • 3 months bank statements
  • Latest EA Form
Self- Employed Photocopy of MyKad (both sides)

Photocopy of Business Registration form

AND

Latest Form B with tax receipt

OR

6 months bank statements

Salaried Expatriate
(Only applicable for credit card applications)
Copy of Passport

Latest 2 months salary slip*

AND

Work permit valid for at least six months at the time of application

AND

Letter of employment

*Number of months of salary slip required will depend on the job nature of applicants

  • Click on the "Apply Now" button.
  • Fill up the online application form.
  • We'll contact you on the following business day.

Criteria For Application

Minimum Income Requirement RM60,000 per annum
Minimum Age 21 years old
Minimum Age For Supplementary Cardholders 18 years old
  • Get more from your Citibank card
  • Citi Rewards Citi Cards are simply the most rewarding way to pay.

Citibank Platinum Credit Card Terms and Conditions

Citibank Platinum 5X Rewards All Year Long - Terms and Conditions

1.
This Citibank Berhad ("Citibank") Platinum 5X Rewards Points feature ("5X Rewards Points Feature") is valid from 19th April 2012 onwards.

Eligibility

2.
Subject to Clause 3 below, all core principal Citibank Platinum Visa/MasterCard credit cardmembers who are residents of Malaysia are eligible to enjoy this 5X Rewards Points Feature ("Eligible Cardmembers").
3.

The following persons are NOT eligible for this 5X Rewards Points Feature:

a.
Holder(s) of Citibank Platinum credit card(s) not issued in Malaysia;
b.
Holder(s) of any co-branded Citibank Platinum credit cards;
c.
Holder(s) of Citibank Platinum credit card(s) who is (are) not in good standing, in default of or has cancelled their card granted by Citibank, Citibank deems fit; and
d.
any Citibank customer 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) and/or any facilities or services with Citibank and/or its affiliate(s)1.

Rewards Points and Redemption

4.
Unless amended and supplemented in these terms and conditions, the clauses in The Citibank Rewards Program Terms and Conditions will govern the Cardmembers’ entitlement to earn and redeem Citi Rewards Points. The Citibank Rewards Program Terms and Conditions is accessible via www.citibank.com.my.

The 5X Rewards Points Feature

5.
Eligible Cardmembers who use their Citibank Platinum credit card for retail transactions at the following departmental stores, supermarkets and hypermarkets in Malaysia are entitled to receive 5X Rewards Points in the manner set out in Clause 6 below:

Table 1: Department Stores in Malaysia
1. Tangs
2. Metrojaya
3. Parkson
4. AEON, AEON Big
5. Robinsons
6. Marks & Spencer
Table 2: Supermarkets and Hypermarkets in Malaysia
1. Cold Storage
2. Tesco
3. Giant
4. Servay
5. Everise
6. Jasons Food Hall

The list of stores is provided for Cardmembers' information only and is not a representation that the stores listed are Citibank merchants. Citibank has the right to amend the list as it deems fit.

6.

Under the 5X Reward Points Feature, Eligible Cardmembers are entitled to receive Rewards Points in the following manner:

Type of Credit Card Total Amount of Rewards Points Awarded
Citibank Platinum (as specified in Clauses 2 and 3 above) a) 5X Rewards Points on total amount spent on retail transactions at selected department stores2, where every RM1.00 of retail transaction posted to the Eligible Cardmember's credit card account will generate five (5) Rewards Points.
b)

5X Rewards Points on the total amount spent on retail transactions at selected supermarkets and hypermarkets3, where every RM1.00 of retail transaction posted to Eligible Cardmember's credit card account will generate five (5) Rewards Points.

Important Note:

(i)
However, the 5X Rewards Points Feature for this category of retail transactions is capped at a maximum spend amount of RM3,000 on such retail transactions on each monthly billing cycle.
(ii)
Accordingly, for any amount above the maximum of RM3,000 in any particular monthly billing cycle, the usual reward points system will be applicable, that is, every RM1.00 of retail transaction posted to the account will generate one (1) Rewards Points.

Citibank is not liable for any delay in actual posting of the transactions and /or Rewards Points earned during the 5X Rewards Points Feature.

7.
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.
8.

The following transactions are not taken into account in the accumulation of additional Rewards Points via this 5X Rewards Points Feature:

a.
transactions made on Citibank EasyPay, Flexi Payment Plan, Autobilling, Cash Advance, Dial For Cash, Balance Transfer and Balance Transfer via Instalment Plan;
b.
refunded, international, disputed, unauthorized or fraudulent retail transactions;
c.
retail transactions at stores not listed in Clause 5 (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.
9.
Subject to the eligibility criteria specified in Clause 2 above, transactions made by a supplementary Citi Platinum Cardmember will also be entitled to the 5X Rewards Points Feature. However, only the principal Eligible Cardmember will be able to make any redemption.
10.

Rewards Points must be redeemed and used only by the principal Eligible Cardmembers. Redemption of Rewards Points is subject to Citibank's discretion as it deems fit. Further, Citibank reserve the right to cancel Rewards Points earned on credit card accounts, as it deems fit, including 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 wrongful acts and/or transactions in relation to use of his/their Citibank credit card(s) and/or any facilities or services with Citibank and/or its affiliate(s); or
d.
any account(s) are otherwise closed by Citibank.
11.

Rewards Points earned are not transferable. Cardmembers are not allowed to sell their Rewards Points to any other person.

If the 5X Rewards Points are awarded to and received by persons who are not Eligible Cardmembers, 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

12.
Citibank is not liable for any default in respect of the 5X 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.
13.
1.
Citibank's decisions on all matters relating to the 5X Rewards Points Feature, including the determination of Eligible Cardmembers is conclusive and binding.
2.
Citibank is entitled as it deems fit, 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.
14.
1.
Citibank has the right to terminate or suspend the 5X Rewards Points Feature by giving prior notice.
2.
Eligible Cardmembers agree that such termination or suspension by Citibank of the 5X Rewards Points Feature does not entitle the Eligible Cardmembers to any claim or compensation against Citibank for any losses or damages incurred by the Eligible Cardmembers as a result of the act of termination or suspension.
15.
1.
Participation in the 5X Rewards Points Feature is subject to these terms and conditions and the terms and conditions in the Citibank Credit Card Terms and Conditions and the Citibank Rewards Program.
2.
Citibank has the right to modify, vary, or change any of these terms and conditions with prior notice. These Terms and Conditions may be varied or changed by Citibank by way of posting on its www.citibank.com.my website ("Website") or in any other manner deemed suitable by Citibank.
3.
Eligible Cardmembers 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 Cardmembers agree that their participation in the 5X Rewards Points Feature constitutes their acceptance of these terms and conditions.
16.

To the fullest extent permitted by law, by participating in the 5X Rewards Points Feature, each and every Eligible Cardmember is agreeing that he/she will not hold Citibank and its officers, servants, employees, representatives and/or agents (including any third party service providers that Citibank may engage for purposes of the 5X Rewards Points Feature) liable for any losses or damages that he/she may incur, in connection with the 5X Rewards Points Feature.

17.

These terms and conditions are governed by and construed under the laws of Malaysia.

Redeem Anything Anywhere Feature - Terms and Conditions

1.
Citibank's "Redeem Anything Anywhere" service ("Service") is applicable only to the core principal Citibank Platinum Visa/MasterCard credit cardmembers described in Clause 2 below ("Eligible Cardmembers") on the Citibank Rewards Program for Citibank Platinum Visa/MasterCard.
2.

Eligible Cardmembers are bound by these terms and conditions and will continue to be bound by the terms and conditions of the Citibank Credit Card Terms and Conditions and the terms and conditions of the Citibank Rewards Program.

"Eligible Cardmembers" means all core principal Citibank Platinum Visa/MasterCard credit cardmembers who are residents of Malaysia EXCEPT for the following persons who are excluded:

a.
Holder(s) of Citibank Platinum credit card(s) not issued in Malaysia;
b.
Holder(s) of any co-branded Citibank Platinum credit cards;
c.
Holder(s) of Citibank Platinum credit card(s) who is (are) not in good standing, in default of or cancelled their card granted by Citibank, as Citibank deems fit; and
d.
any Citibank customer 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) and/or any facilities or services with Citibank and/or its affiliate(s)4.
3.

To make a Rewards Redemption under the Service:

a.
Eligible Cardmembers who make a retail or petrol purchase in Malaysia, abroad or via the internet ("Transaction") with a minimum transaction amount of RM200 (or equivalent to RM200 upon conversion into Ringgit Malaysia for purchases in foreign currency) using their Citibank Platinum Credit Card must call into the Citibank Platinum Hotline at 03 - 2383 1010 to request for such redemption;
b.
Partial redemptions are allowed subject to the partial transaction amount meeting the minimum transaction amount of RM200; and
c.
A Rewards Redemption under the Service is only applicable to those Transactions appearing in the Eligible Cardmember's credit card statements within the last twelve (12) months of the redemption request
4.

For successful Rewards Redemptions the relevant Transaction amount redeemed(in Ringgit Malaysia)

a.
will be reflected in either of the two (2) subsequent monthly credit card statements to the Eligible Cardmember after such redemption; and
b.
will be credited back into the Eligible Cardmember's credit card account within seven (7) business days, i.e. days where banks are open for normal business, excluding Saturdays, Sundays and public holidays.
5.
1.
In determining the amount of a Transaction when calculating the Rewards Points required for redemption, any refunded, disputed, unauthorized or fraudulent retail purchases and goods and services taxes will not be taken into account.
2.
To avoid any doubt, Citibank EasyPay, Flexi Payment Plan, Autobilling,Cash Advance, Dial For Cash, Balance Transfer, Balance Transfer via Instalment Plan, payment of annual card membership fees, interest, late payment fees, and any other form of service or miscellaneous fees are not considered Transactions for these purposes.
3.
Citibank may, as it deems fit, take into account any card transaction or charges or retail purchase in the calculation of Rewards Points or otherwise vary the basis of calculation of Rewards Points.
6.
1.
Eligible Cardmembers may not state the amount of Rewards Points that they would like to use to make any redemption. Eligible Cardmembers can only state the Transaction amount that they wish to redeem using their Rewards Points.
2.
If the existing Rewards Points in the Eligible Cardmember's credit card account available for redemption exceeds the number of Rewards Points required to redeem a particular Transaction, only the requisite number of Rewards Points for such redemption, up to the nearest multiple of RM1.00 will be utilized for the redemption.
3.
If the available Rewards Points are less than the number of Rewards Points required to redeem the Transaction amount, the Eligible Cardmember will only be able to redeem up to the amount that the available Rewards Points are worth.
7.
1.
Under the Service, only the Rewards Points accumulated on the Platinum Credit Card for the relevant retail or petrol purchases are allowed to be used for redemption.
2.
Rewards Points from different Citibank credit cards cannot be accumulated or used for redemption under the Service.
3.
Rewards Points accumulated on supplementary Platinum Credit Cards can only be redeemed by the principal Eligible Cardmember.
8.
Cancellations are not allowed once an Eligible Cardmember makes a Rewards Redemption under the Service.
9.
Only one (1) Rewards Redemption may be made in respect of each Transaction.
10.

Citibank reserves the right, to reject a Rewards Redemption request as it deems fit and for reasons, including upon the occurrence of the following:

a.
Eligible Cardmember terminates the relevant Credit Card account before the Reward Redemption is processed; or
b.
Eligible Cardmember's Credit Card account(s) is (are) not in good standing. If the Eligible Cardmember's credit card account has been suspended due to late payment, this Service will be available after the Eligible Cardmember pays the minimum balance due on that account.
11.
1.
Citibank reserves the right to terminate or suspend this Service by giving prior notice.
2.
Eligible Cardmembers agree that such termination or suspension by Citibank of the Service does not entitle the Eligible Cardmembers to any claim or compensation against Citibank for any losses or damages incurred by the Eligible Cardmembers as a result of the act of termination or suspension.
12.
1.
Citibank has the right to vary, or change any of these terms and conditions with prior notice. These terms and conditions may be varied, or changed by Citibank by way of posting on its website at www.citibank.com.my ("Website"), or in any other manner deemed suitable by Citibank.
2.
The Eligible Cardmembers agree 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.
The Eligible Cardmembers agree that their usage of the Service (whether successful or otherwise) constitutes their acceptance of these terms and conditions.
13.
Citibank's decision and records on all matters relating to the Service is conclusive and binding on all Citibank customers.
14.
Citibank may, by giving prior notice to Elegible Cardmembers, suspend the calculation or accrual of Rewards Points, rectify any errors in the calculation and otherwise adjust such calculation as it deems fit.
15.
To the fullest extent permitted by law, by enrolling for the Service or making any redemption, each and every Eligible Cardmember is agreeing that he/she will not hold Citibank and its officers, servants, employees, representatives and/or agents (including any third party service providers that Citibank may engage for purposes of the Service) liable for any losses or damages that he/she may incur, in connection with the Service.
16.
These terms and conditions are governed by and construed under the laws of Malaysia.

NOTE

1.
The term "affiliate" means Citigroup Inc. and each legal entity that is controlled by Citigroup Inc., whether directly or indirectly.
2.
The selected department stores are listed in Table 1 in Clause 5 above.
3.
The selected supermarkets and hypermarkets are listed in Table 2 in Clause 5 above.
4.
The term "affiliate" means Citigroup Inc. and each legal entity that is controlled by Citigroup Inc., whether directly or indirectly.
/Feb2014