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Citi Travel Pass Card

Key Features

1.	2 Free return flight vouchers
2.	1 Travel Pass point per US Dollar spend
3.	Up to 15% discount on air ticket purchases on select airlines
4.	Complimentary membership to Our Vacation Club
5.	Bonus Citi Travel Pass Points

Details
Annual Fee	Monthly Interest	Credit Limit
AED 400	2.59%	Upto AED 100,000

Privileges

2 FREE Return Flight Vouchers

-	Enjoy 2 free return flight vouchers in the first year.
-	Spend as little as AED 2000 in the first 2 months and fly to exciting destinations including South Africa, Thailand, India and many more of your choice.
-	Get the second voucher when you spend only AED 30,000 in the first 12 months.
-	Upon qualification, the vouchers will be couriered to you soon after your second and twelfth statement.

Qualifying for the Flight Voucher

-	Only retail purchases, including those booked on Easy Installment Plan, are included in the spend criteria
-	In addition to meeting the minimum spend requirements, you must pay your Annual Membership Fees in full to qualify for the vouchers.
-	You will be couriered your vouchers by Citibank after your second and twelfth Citi Travel Pass Statement.

Redeeming the Flight Voucher

-	The voucher flies you or one of your family members to any one of the following destinations for free: Mumbai, Chennai, Dehli, Bangalore, Karachi, Islamabad, Lahore, Beirut, Alexandria, Bangkok and Johannesburg. This includes the return leg of the trip.
-	From the voucher destinations listed, you must choose three destinations in order of your preference along with the respective travel dates. Please ensure that three different/ unique destinations are chosen. Choosing less than three destinations or repeating any one destination more than once in the selection renders the voucher void.
-	Although you can choose the same or different dates for each destination based on your liking, you must ensure that the date mentioned is at least 30 days after your booking date.
-	To avoid cancellation of the voucher or any other inconvenience, you must ensure that the voucher is filled out as exactly per the instructions and terms & conditions of the voucher.
-	You can either mail or fax back the voucher to our travel partner.
-	Our travel partner calls you back within two business days from receipt of the duly filled, correct, legible and complete voucher.
-	You are surely assigned one of the chosen destinations by our travel partner.
-	Only one voucher can be redeemed at a time and for one travel plan.
-	Each voucher is valid for 12 months from the date of issuance.

Citi Travel Pass Flight Voucher Terms and Conditions
For more information on the Citi Travel Pass flight voucher Terms & Conditions, please click here.

Disclaimer

Unlimited Citi Travel Pass points

-	Earn Citi Travel Pass points on all your transactions, big or small.
-	Enjoy the best redemption values on select destinations such as India, Pakistan, Philippines, Beirut, Sri Lanka, Egypt, etc.
-	Top-up your Citi Travel Pass points with cash and fly for less.
-	Redeem these Citi Travel Pass points for free seats on an array of airlines and fly anytime.
-	Call +971 4 324 2818 to redeem your Citi Travel Pass points anytime after July 31, 2008.

Earning Citi Travel Pass points

-	Citi Travel Pass points are earned on all retail purchases including installment loans at the rate of US$ 1 = 1 Citi Travel Pass point.
-	There is no minimum spend requirement threshold for you to start earning points, nor are there any caps on points earning. The only exception is utility bill payment on which a cap of 500 points applies.

Checking available Citi Travel Pass points

-	Your monthly Citi Travel Pass Statement carries a summary of your points status. You can see the points earned, redeemed and available on the first page of your statement. Alternatively, you can call +971 4 324 2818 to inquire about your points balance as of the previous week.

Redeeming Citi Travel Pass points

Citi Travel Pass points are valid for 5 years.

You can easily redeem your Citi Travel Pass points for free seats for you and your family on an array of airlines (predominantly budget carriers) operating out of the U.A.E. This allows you to travel anytime without worrying about blackout periods. All you have to do is to book your seat at least 30 days in advance from your desired date of travel by calling our travel partner at +971 4 324 2818 any time after July 31, 2008. Our travel partner finds you a seat(s) on any carrier to match your itinerary so that you are assured of a seat.

Citi Travel Pass points requirement for the following destinations is better than that required by other similar travel programs in the U.A.E. The points requirement is also fixed so that you do not have to worry about any unexpected hike in points requirement during peak travel seasons, unlike most other travel programs. This allows you to travel sooner and for less with your Citi Travel Pass.

Destination	Points values from Dubai	Points value from Sharjah	Points value from Abu Dhabi
Mumbai	24,000	24,000	-
Kochi	27,000	27,000	27,000
Bangalore	27,000	-	27,000
Delhi	24,000	-	-
Chennai	25,000	-	-
Lahore	25,000	-	-
Islamabad	32,000	-	-
Karachi	22,500	-	-
Beirut	19,000	-	-
Cairo	35,000	35,000	35,000
Alexandria	24,000	24,000	-
Colombo	34,000	34,000	-
Manila	49,000	-	-

You can also choose to fly to any other destination not mentioned in the table above. Simply call up our travel partner at +971 4 324 2818 and state your destination, date and time of travel. The lowest possible points requirement is quoted to you on the available carrier.

Building your Citi Travel Pass points pool

If you do not have sufficient points to travel to your choice of destination, you have the option of purchasing the additional points required at US $0.024 (2.4 cents) per point with your Citi Travel Pass as long as the number of points purchased is not more than 50% of the total points required to travel to your destination. This allows you the flexibility to fly anytime without worrying about not having sufficient points available to redeem for flights.

Additionally, we bring you a great opportunity to build 10,000 bonus points overnight with the Member get Member program.

Citi Travel Pass Program Terms & Conditions
For more information on the Citi Travel Pass Program Terms & Conditions, please click here.

Disclaimer

Great Discounts on Air Tickets

-	Enjoy up to 15% discount on Egypt Air tickets with your Citi Travel Pass
-	Avail 5% guaranteed discount on all air tickets with Bon Voyage Travel Services. To book yourself a flight today, call +971 4 404 5959.

Enjoying up to 15% discount on Egypt Air

You can currently get up to 15% discount on all tickets booked on Egypt Air. Details of the offer are as follows:
- 10% off on Economy Class travel from Dubai on Egypt Air network, excluding Cairo (8% off)
- 15% off on Business Class travel from Dubai on Egypt Air network, excluding Cairo (12% off)

Egypt Air Plus members enjoy an additional 2% discount on the above offers

You can avail these discounts by booking through the Egypt Air call centers or visit any of their branches in Dubai and North Emirates:

Dubai Office
Tel. No.: 04-2289444 Press ext .3 for call center
Fax No.: 04-2273300
P.O.Box: 12919, Dubai
Al Maktoum St.,- Khalifa Al Dana Building, Near Clock Tower

Sharjah Office
Tel. No.: 06-5735351 or 06-5735352
Fax No.: 06-5735535
Al Itihad Sq.,Opp. King Faisal Mosque

Ras Al Khaimah Office
Tel. No.: 07-2335000
Fax No.: 07-2335005
Mohamed Al Qasimy St., Al Saada building

We are currently negotiating with other airlines to provide you with the best offers, and we shall disclose the updated information as and when we get the confirmation.

Guaranteed 5% discount on all air tickets

-	Irrespective of what airline you travel, you are guaranteed a 5% air ticket discount on any airline through Bon Voyage Travel Services. Please call their helpdesk at +971 4 404 5959 for more information or flight booking.

Disclaimer

Complimentary Membership to Our Vacation Club® (OVC)

-	Enjoy free membership to Our Vacation Club® for you and your family, the retail price of which is US$ 200 for 35 months
-	Access over 200,000 webpages of value for money vacation content on the Member’s website and customized Citi Travel Pass offers
-	Enjoy complete flexibility with no blackout dates or advance booking requirements
-	Book resorts for as low as $49 per day, per unit in the most exotic locations worldwide
-	Save up to 65% on brochure rates on cruises with all major cruise lines
-	Get a credit of US$ 100 for free upon activation of your OVC Membership

What is Our Vacation Club®?

-	Our Vacation Club® is the ultimate discount vacation club that offers resort vacations, cruise vacations, leisure benefits, vacation offers and much more.

Citi Travel Pass-OVC Exclusive Benefits

-	Customized offers for Citi Travel Pass Card member
-	Free membership to OVC, the retail price of which is US$200 for 35 months.
-	US$ 100 complimentary credit in your OVC Account upon activation of OVC Membership within 21 days of receipt of OVC membership kit. This money can be used any time during the first 12 months of membership for travel purchases with OVC.

Receiving and Activating your OVC Membership

-	Your membership kit is emailed to you by www.onevacationclub.com at the email address provided by you in the Citi Travel Pass application form. You can expect this email within 4 working days of your Citi Travel Pass approval.
-	Activations instructions can be viewed online on http://www.onevacationclub.com/join_us/joining-activation.html
-	The membership kit contains: • the welcome letter, • membership activation and authorisation code, • contact details including e-mail address for Vacation Consultants, • members free phone number from the U.A.E., • links to the log in / membership activation pages,

Availing the US$ 100 Credit

-	You have 21 days to activate your membership so that you can benefit from US$ 100 credit for your first travel purchase with OVC.
-	The US$ 100 credit reflects in your OVC Account within 3 days of membership activations.

Using your OVC Membership

-	Once you have activated your OVC Account, go to the main page of One Vacation Club (www.onevacationclub.com) and click on ‘Members Login’.
-	Then select ‘OVC Login’ to find out more about travel packages.
	Activations instructions can be viewed online on http://www.onevacationclub.com/join_us/joining-activation.html
	You can then either email the Vacation Consultant telling them about your preferences or call the OVC toll-free number from the U.A.E. as stated in your membership kit. Please note that the number provided by OVC is separate from the number for Citi Travel Pass points redemption.
-	You can start booking your vacation using your Citi Travel Pass.
-	The OVC Membership is available to you free of cost as long as you are a Citi Travel Pass Cardmember.

Our Vacation Club Member Terms & Conditions

-	For more information on the general OVC Member Terms & Conditions, please click here

Disclaimer

Bonus Citi Travel Pass Points

Convenience

5 Free Supplementary Cards

e-Card

Utility Bill Payment and Wasel Recharge

Pay your Etisalat (telephone, mobile, fax and internet) and Dubai, Abu Dhabi, Sharjah and Al Ain electricity and water bills via CitiPhone or Citibank Online. Get 5% bonus talk-time by recharging your Etisalat Wasel Card via CitiPhone and earn rewards (Skywards Miles/Travel Pass points/CitiDollars).

Payment through SMS
Payment of Etisalat Bills (landline, fax, GSM and dial up internet line) and Wasel Recharge is possible via sms.

For Registration
- Call +971 4 311 4000, press 1 for Arabic or 2 for English and then press 3 for Utility Bill Payment or Wasel Recharge
- Enter your Credit Card number followed by your TPIN
- Press 1 for Etisalat Payments which will automatically lead to SMS registration ( if not registered earlier) or Press 2 for Utility Bill Payments followed by 4 for SMS registration
- Enter your primary mobile number (This mobile will be used to send and receive SMS)
- You can then register up to 10 Etisalat Consumer Account Numbers that you would like to pay by SMS

For Payment
SMS your Etisalat Consumer Account number and amount to 2485
Example 1: 0508181818 30
Example 2: 046161616 250

For Enquiry

-	SMS your Etisalat Consumer Account number to 2486 Example : 046161616
-	Payment of Etisalat bills via SMS or CitiPhone will be processed immediately and Water and Electricity bills will be processed in 3 working days

Payment through Citibank Online
All of the following utility bills can be paid through Citibank Credit Card by signing on to Citibank Online, at no extra cost.
- Etisalat (landline, fax, E-vision, Al Shamil and dial up internet line)
- DEWA (Dubai Electricity and Water Authority)
- SEWA (Sharjah Electricity and Water Authority)
- ADDC (Abu Dhabi Distribution Company)
- AADC (Al Ain Distribution Company)

For Payment

-	Sign on to Citibank Online
-	Click on 'Transfers & Payments'
-	Click on 'Add Payee' to register your utility bill account details. You need to do this registration only once
-	Click on 'Utility Bill Payments' and make your payment
-	The payment towards your Etisalat, water-electricity bills will be processed in 3 working days

Payment over the Phone

-	Call +971 4 311 4000, press 1 for Arabic or 2 for English and then press 3 for Utility Bill payment or Wasel Recharge
-	Enter your Credit Card number followed by your TPIN
-	Payment of Etisalat bills via SMS or CitiPhone will be processed immediately and water and electricity bills will be processed in 3 working days
Disclaimer

UAE Exchange Payment Locations

Easy Installment Plan

Enjoy the flexibility to convert your purchases on Citibank Credit Card to an Easy Installment Plan of up to 60 months. The Easy Installment Plan is available on retail transactions over AED 100. Get rewarded on each installment with Skywards Miles/Travel Pass Points/CitiDollars. So buy today, and pay later! To book your transactions into Easy Installment Plans, please click here or call CitiPhone Banking Services on +9714 311 4000 or SMS ‘EIP’ to 2484 (CITI).

The tenors and interest rates are:

Tenor in Months	3	6	9	12	18	24	36	48	60
Interest Rate Reducing Balance (Annum)	20.58	23.28	24.20	24.57	24.72	24.59	20.09	20.57	20.13

Loan on Phone

You have access to a hassle-free loan which requires no salary transfer and no income documents. You can convert a portion of the limit on your Citibank Credit Card to a loan which can be repaid over easy installments of up to 60 months and you earn rewards (Skywards Miles/Travel Pass Points/CitiDollars). To apply, please call our 24-hour CitiPhone Banking Service on +971 4 311 4000.

The tenors and interest rates are:

Tenor in Months	3	6	9	12	18	24	36	48	60
Interest Rate Reducing Balance (Annum)	19.69	22.29	23.17	23.53	23.70	23.59	23.13	19.06	18.68

Upon approval your loan amount will be deposited into your Citibank Current or Checking account. Alternatively, you can opt to get a Manager’s Check to be couriered to your billing address. To avail an instant Citibank cash loan, please click here or call CitiPhone Banking Services on +9714 311 4000 or SMS ‘LOP’ to 2484 (CITI).

Disclaimer

InstaLoan

InstaLoan is an additional credit facility up to AED 28,000 above the existing spending limit on your Citibank Credit Card. It is extended in the form of a loan, which is paid back through monthly installments. It offers a hassle free solution to meet your financial needs with:

- No processing fees
- No security check requirement
- Convenience of applying over the phone, through Citibank website and fax
- Easy payment terms
- Rewards (Skywards Miles/Travel Pass Points/Citidollars) on your monthly installments

The tenors and interest rates are:

Tenor in Months	6	12	18	24	30	36	42	48	60
Interest Rate Reducing Balance (Annum)	27.0	27.0	26.0	26.0	25.5	25.5	25.0	25.0	25.0

Disclaimer

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