General Disclaimer, applicable to all products, services and offer
Citibank Terms and Conditions apply and are subject to change without prior notice. For current Terms and Conditions, please click here. Citibank N.A. makes no warranties and assumes no liability or responsibility in respect to the products and services provided by partners. The benefits and services detailed hereof are subject to Terms and Conditions of each benefit, product or service. Citibank at its discretion may review, amend, extend, discontinue any of these benefits and/or services and/or modify applicable Terms and Conditions.

Citi Travel Pass
All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility in respect to the products and services provided by MMI Travel or other partners. Offer not valid in conjunction with any other offer or promotion.

Silver Basic Credit Card
This card can only be applied through the Citibank at Work channel

25,000 Complimentary Skywards Miles offer Terms and Conditions
All applicants who are issued Emirates Citibank Ultima Credit Cards during the continuation of this promotional offer will be granted a bonus of 25,000 Skyward Miles in the Skywards Miles Program, subject to the following terms and conditions:

- Bonus Skywards Miles will be credited to Cards’ accounts 45 days after payment by the applicant of the applicable first annual membership fee, activation of the Card and payment of any amounts due, as determined by Citibank
- The Offer is only available to applicants for new Cards and does not apply to any Cards already issued and valid. In no event shall Citibank, any of its affiliates, or any of their officers, directors, employees or agents be liable for any loss, damage or expense arising out of or otherwise related to the Offer
- Employees of Citibank and its affiliated and associated companies are not eligible to participate in the Offer
- The Offer may be terminated at any time, by Citibank. The Cards are issued at Citibank’s sole discretion
- Use of the Cards, the Skywards Miles Program, Bonus Skywards Miles and the Offer are subject at all times to terms and conditions
- Such term and conditions are subject to change from time to time and are available on request at Citibank’s branch or on the link below

Marriott Vacation Club International Terms and Conditions for Emirates-Citibank Ultima/ Ultimate and Citibank Ultimate Credit Cards:
The offer includes accommodation for a couple (2 adults) at pre-selected Marriott Properties. List of properties include: Marriott's Village d'Ile de France exclusively for Ultima Cardholders; and Cairo Marriott Hotel, JW Marriott Hotel Cairo, JW Marriott Hotel Cairo, Marriott Sharm El Sheikh, Renaissance Sharm El Sheikh, Hurghada Marriott Hotel, Renaissance Alexandria and Taba Heights Marriott Hotel in Egypt; Amman Marriott Hotel, Petra Marriott Hotel and Jordan Valley Marriott in Jordan; Marriott Executive Apartments in Bahrain for Emirates-Citibank Ultimate/ Citibank Ultimate Credit Cardholders. Marriott Vacation Club International (MVCI) reserves the right to change these properties upon 15 days prior written notice.

Flight and travel arrangements, transport, visas, food and other expenses, etc are not included. This promotional offer is designed for married couples aged between 30 and 65 with a joint annual income in excess of US$130,000. Attendance at a 90-minute presentation with your spouse to find out more about Marriott Vacation Club is mandatory to qualify for this offer. If you or your spouse or both of you choose not to attend the presentation, the full retail cost of US$1000 will be payable. This offer is non-transferable or is not valid in conjunction with any other promotion. This offer is not available to MVCI holiday owners, to individuals or their spouses who have previously taken advantage of this offer, or to employees of the Marriott International and its affiliated companies and their immediate family members.

Cancellation Policy: Should you wish to cancel your reservation, for verification purposes you must do so in writing, signed by the lead name on the booking. To cover the cost of processing the cancellation and to compensate for other inherent business prejudice, there is a cancellation charge based on the following scale: bookings with 7 days or more before arrival date, 50% of the subsidized package price; 7 days or less before arrival date, 100% of the subsidized package price. We therefore recommend you obtain travel insurance to cover any losses you may incur.

Availability: All bookings are subject to availability. In the event that the hotel is not available on your required dates, we may offer alterative accommodation at one of our partner hotels.

Skywards Silver Membership Terms and Conditions
This benefit will be available effective October, 2011. You will receive your Skywards Silver Membership card along with the welcome pack directly from Skywards. If you are an existing Skywards Gold or Silver member, your existing membership status will not be affected.
If you have not received your Silver Card, or have been downgraded to Blue tier, please inform us by calling +97143114653

Skywards Miles
Cardmembers will continue to earn the following Skywards Miles per US Dollar spent domestically on eligible transactions conducted up till September 30, 2011:

• Ultima - 2 Miles per US Dollar spent
• Ultimate - 1.5 Miles per US Dollar spent
• Gold/ Titanium - 1.25 Miles per US Dollar spent
• Silver - 1 Mile per US Dollar spent

Citibank may apply caps and amend the Miles awarded per US Dollar spent on the Card at its sole discretion without prior notice. For a detailed list of exclusions or updates on the Miles earn rate, please click here. Skywards Programme terms and conditions apply and are available on www.skywards.com.

Unlimited Lounge Access

1. Unlimited lounge access to the listed lounges is available to both Basic/ Primary and Supplementary Cardmembers upon presenting their Emirates-Citibank Ultimate Credit Card.
2. Specific lounges require Cardmembers to carry colored copies of Lounge Access Coupons along with their Emirates-Citibank Ultimate Credit Card and boarding pass for verification.
3. Lounge Access will be discontinued if the Emirates-Citibank Ultimate Credit Card is cancelled, downgraded or blocked.
4. Partner terms and conditions apply.
5. Priority Pass Membership is applicable only to Emirates-Citibank Ultimate Credit Cardmembers approved prior to September 15, 2011. Cardmembers will be able to avail 2 complimentary visits per Card year only under this program using their Priority Pass card. All visits in excess of the 2 free visits will be charged at USD 27 per visit per person. Cardmembers can avail lounge access under this program up till December 31, 2011, post which the Priority Pass card will be blocked.

Golf
Payments have to be made through Citibank Ultimate Credit Card in order to avail discounts. Bookings are subject to availability. These offers are not valid in conjunction with any other offer or promotion. All the above offers are valid from February 15th, 2008 to February 14th, 2009. For further details regarding the applicable fees and charges or for more information, please call us on 04 311 4653. Terms and Conditions apply and are subject to change without prior notice. They are available upon request and on the website. Citibank N.A may review, amend, extend and/or discontinue the offer without prior notice. All offers are made available on a best-effort basis and at the sole discretion of Citibank N.A. Citibank N.A makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners.

Complimentary Marhaba Meet & Greet Service (Emirates-Citibank Silver Credit Card only)
Bookings should be made 48 hours prior to travel. Cardmembers are eligible to one (1) complimentary Marhaba Meet & Greet service per person per calendar year. In case of any amendment to, or cancellation of, the Customer's flight itinerary, the Cardmember should notify us by calling Citiphone on +971 4 311 4000 at least 8 hours prior to the originally scheduled flight arrival or departure time or the service will be charged in full to their Credit Card. Partner terms & conditions apply. For more information please visit www.marhabaservices.com

Applicable to Damas, Harman House, Kaya Skin Clinic, Bin Hendi, Le Meridien Hotel, Wafi Dining and Super Saver Offers
1. These offers are not valid in conjunction with any other offer or promotion
2. Damas offers do not apply on fixed price items and loose stones

Loan On Phone is not applicable for Silver Basic Credit Card
All loans are subject to bank's approval and at the sole discretion of Citibank, N.A. The offer is available on a best-effort basis. Terms and Conditions apply, are subject to change without prior notice and are available upon request. For Terms and Conditions, please click here. Minimum loan amount of AED 1,000. The loan amount approved will be a part of the Credit Card limit.

Instaloan
*Eligibility, amounts and terms are subject to Citibank approval. The monthly InstaLoan Installments will be billed to the monthly Credit Card Statement and will be included in the Current Balance amount. Cardmembers already enrolled in Credit Shield Plus enjoy coverage of the total outstanding amount on the Credit Card which includes associated products like InstaLoan. The Credit Shield Plus premium will be adjusted accordingly, subject to approval of the InstaLoan. Credit Shield Plus is an optional benefit and is not required to obtain or maintain a Credit Card or its associated products. Citibank Terms and Conditions and Fees & Charges apply and are subject to change without prior notice. Terms and Conditions apply, are subject to change without prior notice and are available upon request. For Terms and Conditions, please click here.

Utility Bill Payment
If you do not have a TPIN, access the main menu, press 1 for 'Balance/Transaction/Services'. Enter your Credit Card Number when the system prompts you to and press * to be connected to our Citiphone Officer who will assist you in the creation of TPIN.

The maximum rewards that Cardmembers can earn per month for using this service is:
- 1000 Skywards Miles on Emirates-Citibank Ultima Credit Card or 1000 Citi Miles on PremierMiles Elite Credit Card 
- 750 Skywards Miles on Emirates-Citibank Ultimate Credit Card, 750 Citi Miles on PremierMiles Platinum Credit Card or 3000 CitiDollars on Citibank Ultimate Credit Card
- 500 Skywards Miles on Emirates-Citibank Gold and Silver Credit Cards or 2000 CitiDollars Citibank Gold and Silver Credit Card
For the purpose of determining the CitiDollars or Skywards Miles earned, the sum of the value of all bills paid by Citibank Credit Cardmembers on all their basic cards and their supplementary cards will be taken into account. The Skywards Miles/ Citi Miles / CitiDollars earned by Citibank Credit Cardmembers for a given month will be credited by the 10th of the next month. In case the Citibank Credit Cardmember has two basic cards, the card on which the Utility Bill Payment is higher for the given month will be credited with CitiDollars or Skywards Miles earned as applicable. Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please click here. All offers are made available on a best-effort basis and at the sole discretion of Citibank N.A. Citibank N.A. makes no warranties and assumes no liability or responsibility in respect to the products and services provided by partners.

Credit Shield Plus
Insurance products are subject to exclusions, special terms and conditions, contained in the Policy document.
Insurance products are optional and underwritten by Insurers, subject to terms & conditions of each policy. Citibank N.A. does not offer insurance advice nor underwrite or issue insurance policies. Citibank N.A. is not responsible for rejection of any application/claim. Citibank N.A. provides customer support to the by way of receiving payments from the customer and forwarding them to the Insurer, in addition to making such insurance products available to the customers. Policies can be cancelled at anytime. If cancelled within 30 days of enrollment, customers are entitled to a full refund of premium collected with in that period. If cancelled after 30 days, there will be no refund of premium as this is not an investment product and does not accumulate a cash value. Unless specified, insurance products are not bank deposits or obligations of, guaranteed or insured by Citibank, N.A., Citigroup Inc. or any of their affiliates or subsidiaries, or any local governmental agency. The foregoing does not constitute making of any offer or invitation to subscribe for insurance products nor does it amount to solicitation by Citibank NA, Citigroup Inc or any of its affiliates. In addition to terms and conditions of the Insurer under each policy, Citibank terms & conditions apply and are subject to change without prior notice. The Insurer assumes full responsibility for the contents of insurance products mentioned above. The information mentioned above is for reference only and is not a contract of insurance. Please call Citiphone at 04-3114-000 should you have any queries or complaints.

Secure Wallet
Insurance products are subject to exclusions, special terms and conditions, contained in the policy document.
Insurance products are optional and underwritten by Insurers, subject to terms and conditions of each policy. Citibank N.A. does not offer insurance advice nor underwrite or issue insurance policies. Citibank N.A. is not responsible for rejection of any application/claim. Citibank N.A. provides customer support by way of receiving payments from the Customer and forwarding them to the Insurer in addition to making such insurance products available to the Customers. Policies can be cancelled at anytime. If cancelled within 30 days of enrollment, customers are entitled to a full refund of premium collected within that period. If cancelled after 30 days, there will be no refund of premium as this is not an investment product and does not accumulate a cash value. Unless specified, insurance products are not bank deposits or obligations of, guaranteed or insured by Citibank, N.A., Citigroup Inc. or any of their affiliates or subsidiaries, or any local governmental agency. The foregoing does not constitute making of any offer or invitation to subscribe for insurance products nor does it amount to solicitation by Citibank NA, Citigroup Inc or any of its affiliates. In addition to terms and conditions of the Insurer under each policy, Citibank Terms and Conditions apply and are subject to change without prior notice. The Insurer assumes full responsibility for the contents of insurance products mentioned above. The information mentioned above is for reference only and is not a contract of insurance. Please call our 24-Hour CitiPhone Banking Service on +971 4 311 4000 should you have any queries or complaints.

Bon Voyage
Citibank makes no warranties and assumes no responsibilities in respect of the travel bookings or the related service arrangements, provided by service providers.


100,000 Skywards Miles Promotion Terms and Conditions

• This promotion is valid for a limited period from February 19 till February 28, 2009.
• Customers who are currently holding any Citibank credit card or have closed such a Citibank credit card account during the 3 months preceding the Promotion start date will not be eligible for this offer.
• Employees of Citibank, Emirates Airlines and its associated companies are not eligible to participate in this promotion.
• Customer must open a new Citigold relationship, deposit USD 100,000, apply for the Emirates-Citibank Ultimate Credit Card, pay the full(“AMF”) by the first Payment Due Date and maintain the USD 100,000 in Total Relationship Balance for atleast three months (‘Three Month Period”) from the time of Citigold Account Opening (“Eligibility Criteria”)
• The Emirates-Citibank Ultimate Credit Card will be pre-approved with a credit limit of AED 100,000.
• No Skywards Miles will be credited to a Skywards Account where payment to Citibank is past due in respect of the Emirates-Citibank Ultimate Credit Card and/ or where the customer’s outstanding balance exceeds the credit limit on such credit card account.
• Skyward Miles will be credited to the customer’s individual Skywards Membership number and not to a family Skywards Membership number.
• Skywards Miles will be credited to the customer’s Skywards Account 15 days following the (‘Three Month Period”) provided that the customer has met the Eligibility Criteria stated above.
• Skywards Miles do not cover taxes and surcharges.
• Skywards Miles can be exchanged for free return tickets and flight upgrades, based on the Skywards Miles redemptions schedule,  by calling the Skywards Service Center on + 971 4 316 7000 or signing on to www.skywards.com.
• Skywards Miles are valid for 3 years.

• All cards approved at the sole discretion of Citibank N.A. Citibank Terms and Conditions apply and are subject to change without prior notice. They are available upon request and on the website.
• Citibank reserves the right to vary any of these Terms and Conditions from time to time without prior notice.
• In no event shall Citibank, any of its affiliates, or any of their officers, directors, employees or agents be liable for any loss, damage or expense arising out of or otherwise related to this offer.
• Citibank may apply caps and amend the Miles awarded per US Dollar spent on the Card at its sole discretion without prior notice. For a detailed list of exclusions or updates on the Miles earn rate, please click here.
• All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A.
• Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities.
• By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number.