| The provisions stated hereunder form an integral part of the General Terms and Conditions with effect from January 1, 2010: |
|
| Page 19 – Section D(1) – Clause 1(ab) shall stand replaced to read as under: |
|
| ""Skywards" means the Emirates frequent flyer program managed and operated by Emirates, by which the Cardmember will be offered Miles for using his Card, which can be exchanged for specific benefits and rewards, all in accordance with the terms and conditions determined by Emirates and/or Citibank (as applicable) from time to time." |
|
| Page 37 – Section D(2)(f) - Clause (4) shall stand replaced to read as under: |
|
| "All transactions charged to a Cardmember's Citibank VISA or MasterCard Credit Cards are eligible for CitiDollars except for the following: (i) annual fee payment(s) related to the Cardmember's Citibank VISA or MasterCard Credit Cards and fast track redemptions; (ii) cash advances; (iii) finance charges; (iv) late payment charges; (v) traveler's cheques, balance transfer, repayment of bank loans/ fees/ charges and/or other unauthorized charges, etc.; (vi) purchase of foreign currency; (vii) contributions, premiums or other payments in relation to Invest Plus, Credit Shield/ Credit Shield Plus products/programs/ any other insurance programs or products that Citibank may choose to offer/ distribute; (viii) utility bill payments made through Citibank Online and/or by utilizing any other payment channel provided by Citibank (ix) transactions conducted at exchange house(s); (x) purchase of saving certificates, bonds and other debt instruments; or (ix) transactions that Citibank decides are disputed, erroneous, unauthorized, illegal and/or fraudulent. Furthermore, misuse of the Card to effect fictitious transactions through POS terminals at merchant outlets or through other means shall also be excluded from obtaining CitiDollars." |
|
| Page 58 - Section J(6) – Clause 6.10 shall stand replaced to read as under: |
|
| "Citibank shall have the right to determine the maximum number of "CitiDollars" and/ or "Skywards Miles" and/ or similar benefits obtained with respect to a Card from time to time at its sole discretion. However, in any given month, a Cardmember shall only be entitled to CitiDollars and/or Skywards Miles and/ or similar benefits for transactions carried out up to the extent of the assigned Credit Limit on the Card. Transactions exceeding the assigned Credit Limit shall not be entitled to earn CitiDollars and/or Skywards Miles during that month. It is clarified that a reference to a 'month' as stated in this clause will mean the timeframe transpiring between each statement date." |
|
| Page 58 - Section J(6) – Clause 6.10(a) to be added and shall read as under: |
|
| "A Cardmember shall not be entitled to obtain Skywards Miles for the following transactions: (i) annual fee payment(s) related to the Cardmember's Citibank VISA or MasterCard Credit Cards and fast track redemptions; (ii) cash advances; (iii) finance charges; (iv) late payment charges; (v) traveler's cheques, balance transfer, repayment of bank loans/ fees/ charges and/or other unauthorized charges, etc.; (vi) purchase of foreign currency; (vii) contributions, premiums or other payments in relation to Invest Plus, Credit Shield/ Credit Shield Plus products/programs/ any other insurance programs or products that Citibank may choose to offer/ distribute; (viii) utility bill payments made through Citibank Online and/or by utilizing any other payment channel provided by Citibank; (ix) transactions conducted at exchange house(s); (x) purchase of saving certificates, bonds and other debt instruments; or (ix) transactions that Citibank decides are disputed, erroneous, unauthorized, illegal and/or fraudulent. Furthermore, misuse of the Card to effect fictitious transactions through POS terminals at merchant outlets or through other means shall also be excluded from obtaining Skywards Miles. |
|
| The list stated vide this clause may be changed by Citibank at any time and at its sole discretion. Citibank's decision as to what constituted an eligible charge shall be final and conclusive." |
|
| Page 58 - Section J(6) – Clause 6.10(b) to be added and shall read as under: |
|
| "It is clarified that the Card issued is intended for personal use to conduct retail transactions. Use of the Card for commercial transactions may be permitted in certain exceptions however, such use shall not entitle the Cardmember to obtain CitiDollars and/or Skywards Miles (as the case may be) with respect to the corresponding transaction(s). Whether a transaction falls within a commercial category shall be determined by Citibank using its sole discretion and a Cardmember shall remain responsible to obtain confirmation to such effect from Citibank prior to conducting a transaction on his Card. Citibank's determination in such respect shall remain final and binding." |
|
| The provisions stated hereunder form an integral part of the General Terms and Conditions with effect from February 11, 2011: |
|
| Page 2 - Section A – Clause 1.9 shall stand replaced to read as under: |
|
| "Unless otherwise requested, quarterly statements of account and advices of transactions will be provided to the Customer. Notwithstanding anything stated herein, Citibank may in its sole discretion, opt to send these through e-mail unless specifically requested otherwise by the Customer in writing. Citibank shall email the statement(s)/ advices of transactions at the email address provided by the Customer. Should the Customer request Citibank for paper based statements/ transaction advices, the same shall be provided upon payment of fees stated in the Schedule of Fees and Charges." |
|
| The provisions pertaining to e-Statement are more particularly detailed in Section J.(7A) |
|
| Page 29 – Section D(2)(b) The existing section shall stand replaced to read as under: |
|
| "Citibank may in its sole discretion, send E-Statement ("e-Statement") to its existing Basic Cardmembers provided such Basic Cardmember's have provided their email address to Citibank. If the Basic Cardmember chooses not to receive the e-Statement, such Basic Customer should inform Citibank through CitiPhone Banking and Citibank shall cease to send e-Statements to such Customer. In the event that the Customer requires paper based Statement, the same could be provided to it subject to payment of fees stated in the Schedule of Fees and Charges. |
|
| The provisions pertaining to –e-Statement are more particularly detailed vide Section J.(7A)." |
|
| Page 39 – Section E - paragraph one shall stand replaced to read as under: |
|
"CITIBANK ONLINE SERVICES
In addition to the terms and conditions, if any, provided on the relevant website, the following terms and conditions are applicable to Citibank's internet banking services and products provided through its website(s) and/or through mobile application(s) from time to time (the "Citibank Online Services")." |
|
| Page 40 – Section E - Clause (4) shall stand replaced to read as under: |
|
| "Citibank owns all information stored and transmitted through the Citibank Online Services and shall have the right to review, monitor, change or delete such information for security or administrative or any other purpose." |
|
Page 60 - Section J – Clause 7A to be added and shall read as under:
7A – E-Statement |
|
| 1. |
|
|
Citibank may, in its sole discretion, send Statement(s) via e-mail ("e-Statement") to its existing Customers provided such Customers have provided their e-mail address to Citibank. If the existing Customer chooses not to receive e-Statement, such Customer should inform Citibank through CitiPhone Banking and Citibank shall cease to send e-Statement to such Customer. In the event that the Customer requires paper based Statement and/or in case the Customer has not provided Citibank with an email address, the paper based Statement could be provided to it subject to the payment of fees stated in the Schedule of Fees and Charges. |
|
| 2. |
|
|
In the event that the Customer does not seek a paper based Statement, it shall be deemed that the Customer has accepted receipt of the e-Statement and such Customer shall be deemed to have accepted and agreed to be bound by these Terms and Conditions, as amended by Citibank from time to time. |
|
| 3. |
|
|
Citibank shall be deemed to have delivered the e-Statement to the Customer upon receipt by the Customer of the e-mail from Citibank containing such e-Statement. |
|
| 4. |
|
|
The Customer agrees to notify Citibank within twenty-four (24) hours of the receipt of the e-Statement if the Customer is unable to get access to the e-Statement. Upon expiry of such period, the Customer shall be deemed to have received and accessed the e-Statement. |
|
| 5. |
a) |
|
The Customer agrees to notify Citibank with regard to any discrepancy, omission, inaccuracy or wrong entry in the e-Statement within fourteen (14) days from either: |
|
| |
|
(i) |
the delivery of the e-Statement by Citibank to the Customer pursuant to Clause J.(7A)(3); or |
|
| |
|
(ii) |
if the Customer is unable to get access to the e-Statement and notifies Citibank pursuant to Clause J.(7A)(4), upon the Customer receiving and/or getting access to the e-Statement. |
|
| |
b) |
|
Unless Citibank is notified in accordance with the provisions stated in Clause J.(7A)(5a), the Customer shall be deemed to have received and accepted as true and correct all the entries in the e-Statement upon expiry of the time period prescribed in Clause J.(7A)(5a) |
|
| 6. |
|
|
The Customer understands and agrees that it shall continue to be liable to Citibank with regard to its contractual obligations irrespective of the receipt or non-receipt of the e-Statement. |
|
| 7. |
|
|
The Customer releases and discharges Citibank, its employees, officers, representatives from and waives any right that accrues to the Customer at law against Citibank, its employees, officers, representatives with regard to damages suffered by the Customer, directly or indirectly, as a result of generating, delivering or managing the Customer’s E-Statement under this Clause J.(7A)8 The Customer releases and discharges Citibank, its employees, officers representatives from and waives any right that accrues to the Customer at law against Citibank, its employees, officers, representatives with regard to damages suffered by the Customer, directly or indirectly, as a result of errors, delays in transmission of the e-Statement or unauthorized alteration, usage, or manipulation of the data contained in the e-Statement or otherwise caused as a result of delivery of e-Statement under this Clause J.(7A). |
|
| 8. |
|
|
In addition to the above, the Customer acknowledges the risk that data received/delivered through the internet/e-mail including any confidential information may be accessed/seen by third parties. The Customer releases and discharges Citibank, its employees, officers, representatives from and waives any right that accrues to the Customer at law against Citibank, its employees, officers, representatives with regard to damages suffered by the Customer, directly or indirectly, due to such unauthorized access by or disclosure of confidential information to third parties. |
|
| 9. |
|
|
The Customer unconditionally and irrevocably undertakes to indemnify and hold harmless Citibank, its employees, officers, representatives against all losses, costs, damages or expenses arising pursuant to Clauses J(7A)(7), J.(7A)(8) and/or J.(7A)(9). |
|
| 10. |
|
|
The Customer understands and agrees that the storage of information including without limitation, the password, Citibank Account information, transaction activity, Citibank Account balances and any other information stored on the Customer’s personal computer shall be stored at the Customer’s risk and liability and Citibank shall not be responsible for any unauthorized access by or disclosure of such information to third parties. |
|
| 11. |
|
|
The Customer agrees that Citibank may in its sole discretion restrict or terminate the Customers use of this service." |
|
|
| The provisions stated hereunder form an integral part of the General Terms and Conditions with effect from April 5, 2011: |
|
| Page 58 - Section J(6) – Clause 6.10(a) shall stand replaced and shall read as under: |
|
| "A Cardmember shall not be entitled to obtain Skywards Miles for the following transactions: (i) annual fee payment(s) related to the Cardmember's Citibank VISA or MasterCard Credit Cards and fast track redemptions; (ii) cash advances or any other form of manual or automated cash withdrawal/ disbursement; (iii) finance charges; (iv) late payment charges; (v) traveler's cheques, money orders, balance transfer, repayment of bank loans/ fees/ charges and/or other unauthorized charges, etc.; (vi) purchase of foreign currency; (vii) contributions, premiums or other payments in relation to Invest Plus, Credit Shield/ Credit Shield Plus products/programs/ any other insurance programs or products that Citibank may choose to offer/ distribute; (viii) utility bill payments made through Citibank Online and/or by utilizing any other payment channel provided by Citibank; (ix) transactions conducted at exchange house(s); (x) purchase of saving certificates, bonds, securities and other debt/ investment instruments; or (ix) transactions that Citibank decides are disputed, erroneous, unauthorized, illegal and/or fraudulent. Furthermore, misuse of the Card for purchase of business-related merchandise/ services and effect of fictitious transactions through POS terminals at merchant outlets or through other means shall also be excluded from obtaining Skywards Miles. |
|
| The list stated vide this clause may be changed by Citibank at any time and at its sole discretion. Citibank's decision as to what constituted an eligible charge shall be final and conclusive." |
|
| Page 58 - Section J(6) – Clause 6.10(b) shall stand replaced and shall read as under: |
|
| It is clarified that the Card issued is intended for personal use to conduct retail transactions. Use of the Card for commercial transactions may be permitted in certain exceptions however, such use shall not entitle the Cardmember to obtain CitiDollars and/or Skywards Miles (as the case may be) with respect to the corresponding transaction(s). Whether a transaction falls within a commercial category shall be determined by Citibank using its sole discretion and a Cardmember shall remain responsible to obtain confirmation to such effect from Citibank prior to conducting a transaction on his Card. Citibank's determination in such respect shall remain final and binding. Any use of the Card for purposes stated in this clause may entitle Citibank at its sole discretion to terminate without prior notice, use of the Card by the Cardmember. |
|
| Page 58 - Section J(6) – Clause 6.10(c) to be added and shall read as under: |
|
| "Citibank shall remain entitled to set Skywards Miles transfer thresholds so as to enable miles transfer to a Cardmember's Skywards account only once such threshold is met and based on specific instructions provided by the Cardmember. Such transfer thresholds shall be set by Citibank using it sole discretion and may be subject to change from time to time. Citibank shall retain the right to cancel transfer of Skywards Miles to the Cardmember's Skywards account and/or forfeit the same in the event that such Cardmember has not provided outstanding amount(s) pertaining to Card usage. Furthermore, the Skywards Miles transfer thresholds shall need to be fulfilled within the time frame specified by Citibank in order to entitle the Cardmember to request transfer of the same to the Cardmember's Skywards account. Failing the ability of the Cardmember to fulfill the threshold set within such timeframe shall entitle Citibank to forfeit the Skywards Miles earned during such timeframe." |
|
| Page 58 - Section J(6) – Clause 6.10(d) to be added and shall read as under: |
|
| "Citibank shall remain entitled to set specific Skywards Miles earning rate(s) for certain categories of purchases. Such rate(s) and categories will be notified to the Cardmember through the Citibank website, Statement of Account and/or through Citiphone Banking. It shall remain the responsibility of the Cardmember to ensure that updated information has been obtained by the Cardmember ahead of carrying out a Card Transaction. Furthermore, Card Transactions effected against the Emirates-Citibank Ultima Card Account on the "grocery stores/supermarkets" category spend (as defined by VISA/MasterCard, or associated acquiring banks) are entitled to earn 50% of the Skywards Miles earned otherwise on other categories of spend." |
|
| The provisions stated hereunder form an integral part of the General Terms and Conditions with effect from April 28, 2011: |
|
| Page 58 - Section J(6) – Clause 6.10(a) shall stand replaced and shall read as under: |
|
| "A Cardmember shall not be entitled to obtain Skywards Miles for the following transactions: (i) annual fee payment(s) related to the Cardmember's Citibank VISA or MasterCard Credit Cards and fast track redemptions; (ii) cash advances or any other form of manual or automated cash withdrawal/ disbursement; (iii) finance charges; (iv) late payment charges; (v) traveler's cheques, money orders, balance transfer, repayment of bank loans/ fees/ charges and/or other unauthorized charges, etc.; (vi) purchase of foreign currency; (vii) contributions, premiums or other payments in relation to Invest Plus, Credit Shield/ Credit Shield Plus products/programs/ any other insurance programs or products that Citibank may choose to offer/ distribute; (viii) utility bill payments made through Citibank Online and/or by utilizing any other payment channel provided by Citibank; (ix) transactions conducted at exchange house(s); (x) purchase of saving certificates, bonds, securities and other debt/ investment instruments; (xi) transactions conducted on the "government services" category (as defined by VISA/MasterCard, or associated acquiring banks); or (xii) transactions that Citibank decides are disputed, erroneous, unauthorized, illegal and/or fraudulent. Furthermore, misuse of the Card for purchase of business-related merchandise/ services and effect of fictitious transactions through POS terminals at merchant outlets or through other means shall also be excluded from obtaining Skywards Miles. |
|
| The list stated vide this clause may be changed by Citibank at any time and at its sole discretion. Citibank's decision as to what constituted an eligible charge shall be final and conclusive." |
|
The provisions stated hereunder form an integral part of the General Terms and Conditions with effect from May, 2011: |
|
Page 7 - Section A(3) – Clause 3.1 shall stand replaced and shall read as under: |
|
“Subject to any minimum balance requirements, the amount of interest on the Saving Account will be computed monthly on the minimum monthly balance in the Customer’s Savings Account and credited monthly. The interest rate shall be Citibank’s prevailing rate for Savings Account(s).” |
|
The provisions stated hereunder form an integral part of the General Terms and Conditions with effect from June 10, 2012: |
|
Page 58 - Section J(6) – Clause 6.10(a) shall stand replaced and shall read as under: |
|
"A Cardmember shall not be entitled to obtain Skywards Miles for the following transactions: (i) annual fee payment(s) related to the Cardmember's Citibank VISA or MasterCard Credit Cards and fast track redemptions; (ii) cash advances or any other form of manual or automated cash withdrawal/ disbursement; (iii) finance charges; (iv) late payment charges; (v) traveler's cheques, money orders, balance transfer, repayment of bank loans/ fees/ charges and/or other unauthorized charges, etc.; (vi) purchase of foreign currency; (vii) contributions, premiums or other payments in relation to Invest Plus, Credit Shield/ Credit Shield Plus products/programs/ any other insurance programs or products that Citibank may choose to offer/ distribute; (viii) utility bill payments; (ix) transactions conducted at exchange house(s); (x) purchase of saving certificates, bonds, securities and other debt/ investment instruments; (xi) transactions conducted on the "government services" category (as defined by VISA/MasterCard, or associated acquiring banks); or (xii) transactions that Citibank decides are disputed, erroneous, unauthorized, illegal and/or fraudulent. Furthermore, misuse of the Card for purchase of business-related merchandise/ services and effect of fictitious transactions through POS terminals at merchant outlets or through other means shall also be excluded from obtaining Skywards Miles. |
|
The list stated vide this clause may be changed by Citibank at any time and at its sole discretion. Citibank's decision as to what constituted an eligible charge shall be final and conclusive." |
|
| Page 58 - Section J(6) – Clause 6.10(d) to be added and shall read as under: |
|
"Citibank shall remain entitled to set specific Skywards Miles earning rate(s) for certain categories of purchases. Such rate(s) and categories will be notified to the Cardmember through the Citibank website, Statement of Account and/or through Citiphone Banking. It shall remain the responsibility of the Cardmember to ensure that updated information has been obtained by the Cardmember ahead of carrying out a Card Transaction. Furthermore, Card Transactions effected against the
Emirates-Citibank Credit Card Accounts on the "grocery stores/supermarkets" category spend (as defined by VISA/MasterCard, or associated acquiring banks) are entitled to earn 50% of the Skywards Miles earned otherwise on other categories of spend." |
|
Page 23 – Section D(4) – Clause 4.12 shall stand replaced to read as under: |
|
| All payments received by Citibank from the Cardmember in relation
to the Card Account may be applied in payment of amounts due from
the Cardmember to Citibank, in the following order, or in such other
order of priority, as Citibank may think fit, in respect of: |
|
- Interest and principal payment billed for LOC/LOP;
- Interest charged on Balance Transfer Amount, which has been billed;
- Balance Transfer fees which have been billed;
- Interest charged on Cash Advances, which has been billed;
- Cash Advance Fees, which have been billed;
- Interest charged on Purchases, which has been billed;
- Charges which have been billed;
- Late Payment Fees and Overlimit Fees;
- Card insurance charges and fees (if any);
- Card membership fees;
- Balance Transfer principal which has been billed;
- Cash Advances which have been drawn and billed;
- Purchases which have been made and billed;
- Balance Transfer principal which have been taken and not yet billed;
- Cash Advances which have been drawn and not yet billed; and
- Purchases which have been made and not yet billed.
|
|
For the sake of clarity, the provisions of this Clause D(1).4.12 shall
apply to the payments received by Citibank in respect of all its Credit
Card related products and services listed in Clause D(2), hereinafter. |
|
Page 21 – Section D(1) – Clause 3.6 shall stand replaced to read as under: |
|
If the Card is used outside the U.A.E., the currency of the transactions will be converted to Dirhams at the exchange rate prevailing on the date the amount is charged to the Card Account rather than the date the Card was used. All international and/or foreign currency transactions will be subject to a processing fee as listed in the Schedule of Fees and Charges plus other charges at Citibank’s prevailing rates, and the Cardmember will reimburse Citibank for all costs or expenses it incurs as a result of such transactions. |
|
PLEASE NOTE THAT THE U.S.GOVERNMENT HAS IN PLACE SANCTIONS AGAINST CERTAIN
COUNTRIES, RELATED ENTITIES, BANKS AND INDIVIDUALS. UNDER THESE SANCTIONS
CITIBANK N.A. IS PROHIBITED FROM ENGAGING IN TRANSACTIONS THAT MAY FALL WITHIN
THE GUIDELINES OF THE SANCTIONS (INCLUDING BUT NOT LIMITED TO THE CLEARING OF
INCOMING/OUTGOING CHEQUES DRAWN ON/PRESENTED BEFORE ALL SANCTIONED BANKS)
AND IS COMPELLED TO REJECT SUCH TRANSACTIONS AND BLOCK THE RELATED FUNDS, AS
PER THE SANCTIONS GUIDELINES. FOR A FULL LIST OF SANCTIONED COUNTRIES, RELATED ENTITIES, BANKS AND INDIVIDUALS, PLEASE CLICK HERE.
|
