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Citi SMRT Rewards Program Terms and ConditionsThe following Terms are to be read in connection with the Citi SMRT Platinum Visa Cardmember’s Agreement.Unless otherwise defined herein, all capitalized terms will bear the same meaning as in the Citi SMRT PlatinumVisa Cardmember’s Agreement.1. Definitionsa. “Basic Cardmember” refers to the person at whose request one or more Supplementary Cards havebeen issued by us to Supplementary Cardmembers.b. “Card” refers to the Citi SMRT Credit Card issued by Citibank which incorporates the EZ-Link Facilityand includes any Card issued in renewal or replacement thereof; and if more than one Card or if aSupplementary Card is issued, includes such other Card(s).c. "Citibank" refers to Citibank Singapore Limited.d. “Merchant” means a merchant that has agreed and has been accepted by Citibank to participate inthe Program. A list of such Merchants will be notified to you from time to time.e. “Merchant Category Code (MCC)” is a four digit number assigned to a merchant/business by themerchant’s acquiring bank. The acquiring bank provides the credit card payment facilities used by themerchant and it determines and applies (with respect to the account), the MCC which in its view bestdescribes the merchant activity. Citibank does not determine the merchant’s MCC.f. “Program” means the Citi SMRT Rewards Program.g. “Qualifying Online Spend” refers to Qualifying Retail Spend, other than mobile wallet and travelrelated transactions*, made via the internet or mobile applications of retail merchants, which isdetermined by system indicators reflecting that it is an online transaction and which are processed bythe respective merchants/acquirers as an online transaction through Visa network. These indicatorsare decided by the relevant merchant and/or their acquirer and are not determined by Citibank.*Travel-related transactions include but are not limited to transactions which bear the followingMCCs (i.e. any transactions at merchants with the following MCCs will not be awarded the 4.7%Bonus rate):Merchant Category Code(MCC)MCC 3000 to 3350MCC 3351 to 3500MCC 3501 to 3999MCC 4112MCC 4411MCC 4511MCC 4722MCC 5962MCC 7011MCC 7512DescriptionAirlines, Air CarriersCar Rental AgenciesLodging – Hotels, Motels, ResortsPassenger RailwaysCruise LinesAirlines, Air Carriers (Not Elsewhere Classified)Travel Agencies and Tour OperatorsDirect Marketing – Travel-Related Arrangement ServicesLodging – Hotels, Motels, Resorts (Not Elsewhere Classified)Car Rental Agencies (Not Elsewhere Classified)

Provided always that Citibank is entitled, in its reasonable discretion, to determine whether atransaction is a Qualifying Online Spend.h. “Qualifying Retail Spend” refers to any retail transaction made to an Eligible Card which does notarise from any:i.ii.iii.iv.v.vi.vii.viii.ix.x.xi.xii.annual fees, interest charges, late payment charges, GST, cash advances,instalment/easy/extended/equal payment plans, preferred payment plans, balance transfers,cash advances, quasi-cash transactions, all fees charged by Citibank or third party,miscellaneous charges imposed by Citibank (unless otherwise stated in writing by Citibank);funds transfers using the card as source of funds;bill payments (including via Citibank Online or via any other channel or agent);payments to educational institutions;payments to government institutions and services (including but not limited to court cases,fines, bail and bonds, tax payment, postal services, parking lots and garages, intragovernment purchases);payments to insurance companies (sales, underwriting, and premiums);payments to financial institutions (including banks and brokerages);payments to non-profit organizations;betting or gambling (including lottery tickets, casino gaming chips, off-track betting, andwagers at race tracks) through any channel;any top-ups or payment of funds to payment service providers, prepaid cards and any prepaidaccounts;transit-related transactions;transactions performed at establishments/businesses/merchants that fall within an excludedMCC or a merchant that has been excluded by the bank, as set out inwww.citibank.com.sg/rwdexcl (this list of excluded MCCs or merchants may be updated fromtime to time at our discretion and Cardmembers shall refer to this list for any updates).provided always that Citibank is entitled, in its reasonable discretion, to determine whether atransaction is a Qualifying Retail Spend.i. “SMRT” means SMRT Corporation Limited and its successors and assigns;j. “SMRT Rewards Vouchers” means the vouchers to be issued upon redemption of SMRT ;k. “SMRT ” means reward points or other units of whatever description awarded by us to you inconnection with your use of the Card and which the Basic Cardmember may subsequently use inaccordance with the terms and conditions of the Program; andl. “Supplementary Cardmember” refers to the person who is issued a supplementary Cardm. “Transaction” means a Card transaction and/or an ez-link Transaction.n. “We, our, us” means Citibank Singapore Ltd and its successors and any novatee, assignee, transfereeor purchaser of Citibank Singapore Ltd’s rights and/or obligations hereunder.o. “You, your, Cardmember” means the person to whom the Card is issued and includes the BasicCardmember and each and every Supplementary Cardmember where the context requires.

2. Participationa. You will be entitled to participate in the Program if your Card account is in good standing, asdetermined by us in our sole discretion.b. SMRT earned on Qualifying Retail Spend by both Basic and Supplementary Cardmembers will becredited to the card account of the Basic Cardmember.c. If the Basic Cardmember’s Card account is terminated at any time for any reason, whether by theBasic Cardmember or by us, the Basic Cardmember and the Supplementary Cardmember willimmediately be disqualified from participating in the Program and all SMRT then accumulatedshall automatically be forfeited.d. If a Supplementary Card is terminated at any time for any reason, the Basic Cardmember will notbe disqualified from participating in the Program, unless otherwise determined by us at ourdiscretion.3. Programa. Base rate: The base rate of earning SMRT on Qualifying Retail Spend is 0.3% (“Base rate”).b. Bonus rate: For monthly minimum Qualifying Retail Spend of S 500 and above, the bonus rate ofearning SMRT on Qualifying Retail Spend is 4.7% is on the selected categories listed in Table Abelow which bear the MCC and/or transactions description (if applicable) as set out in Table B ofbelow (“Bonus rate”). If the monthly minimum Qualifying Retail Spend is less than S 500, you willnot earn the Bonus rate of 4.7% but you will still earn the Base rate of 0.3% on the QualifyingRetail Spend. Please note that the term “monthly” in these Terms refers to the month in respectof which a Basic Cardmember is issued a statement of account in respect of the Card and not thecalendar month.Table A (to be read with Table B)Base rateCategories(no minimumspend)GroceriesQualifying OnlineSpend*EZ-Link Auto Top-UpSimplyGo0.3%Taxis(including private-hirerides)#Other QualifyingRetail SpendBonus rate(monthly Qualifying RetailSpend of S 500)Total earn rate4.7%5%NIL0.3%

Bonus rate of 4.7% is awarded based on the following Merchant Category Code (MCC) andtransaction description, where applicable:Table B (to be read with Table A)CategoriesMerchant Category Code(MCC)GroceriesMCC 5411Qualifying Online Spend*(excludes mobile wallet andtravel-related transactions)EZ-Link Auto Top-UpMCC 6540SimplyGoTaxis#MCC 4111MCC 4121Transaction DescriptionNot requiredNot applicable.Awarded based on online indicator.EZL AUTO TOPUP (CBT)EZL AUTO TOPUP (ABT)EZL AUTO TOPUP CONC (CBT)EZL AUTO TOPUP CONC (ABT)BUS/MRTNot required*Travel-related transactions include but are not limited to transactions which bear thefollowing MCCs (i.e. any transactions at merchants with the following MCCs will not beawarded the 4.7% Bonus rate):Merchant Category Code(MCC)MCC 3000 to 3350MCC 3351 to 3500MCC 3501 to 3999MCC 4112MCC 4411MCC 4511MCC 4722MCC 5962MCC 7011MCC 7512DescriptionAirlines, Air CarriersCar Rental AgenciesLodging – Hotels, Motels, ResortsPassenger RailwaysCruise LinesAirlines, Air Carriers (Not Elsewhere Classified)Travel Agencies and Tour OperatorsDirect Marketing – Travel-Related Arrangement ServicesLodging – Hotels, Motels, Resorts (Not Elsewhere Classified)Car Rental Agencies (Not Elsewhere Classified)Taxis include private-hire vehicle operators with MCC 4121 such as Grab and Gojek. For Grabtransactions - only Grab rides charged directly to the card are eligible for bonus SMRT . Grabride transactions paid via GrabPay Wallet linked to the Citi SMRT card are not eligible forbonus SMRT . For the avoidance of doubt, GrabPay and any other mobile top-ups are alsoexcluded from earning the Bonus rate.#4. Issuance of SMRT and SMRT Rewards Vouchersa. Under the Program, rebates are in the form of SMRT .b. Only Qualifying Retail Spend will earn SMRT . Citi is entitled, in its reasonable discretion, to takeinto account or disregard any card transaction or charges or retail purchase in the calculation ofSMRT or to otherwise vary the basis of calculation of SMRT . Any SMRT earned from nonQualifying Retail Spend will be debited.

c. You may accumulate a maximum of SMRT 600 during any 12 month period commencing from(i) the date your Card is issued; or (ii) the date of the statement of account in the month your Cardaccount is renewed. Every 1 SMRT shall (unless otherwise specified) represent S 1 in cash value.d. SMRT will be calculated on the amount of qualifying spend made on a monthly basis. Theaccumulation of SMRT shall be specified in your monthly statement of account.e. To redeem SMRT for SMRT Reward Vouchers, the Basic Cardmember must have at leastSMRT 10 in their Card account.f. SMRT may be redeemed for SMRT Rewards Vouchers either by Citibank Online or through suchother channels notified by us to you. All SMRT Rewards Vouchers will be valid for a period of 3months from their date of issue. Citibank will not issue any SMRT Rewards Vouchers for amountsbelow SMRT 10. All SMRT Rewards Vouchers will be issued in multiples of SMRT 10. Upon expiryof the SMRT Rewards Vouchers, there will be no reimbursement of the SMRT Rewards Vouchersnor will the Cardmember obtain any other benefits in connection with the expired SMRT RewardsVouchers. SMRT may also be redeemed for cash rebate via SMS redemption, in accordance withClause 5 below.g. SMRT earned by a Supplementary Cardmember will be credited to the Card account of the BasicCardmember.h. SMRT accumulated during any 12 month period commencing from the date of issue of the Cardor date of renewal of the Card account (as the case may be) have a validity period of 15 monthsfrom such a commencement date. Upon expiry, there will be no carrying over of any expiredSMRT nor will you obtain any other benefits in connection with the expired SMRT .i. SMRT Rewards Vouchers will be issued in the name of and to the address of the BasicCardmember, and may be used only by the Basic Cardmember.j. We may, but are not obliged to, replace a lost or stolen SMRT Rewards Voucher provided theprevious SMRT Rewards Voucher has not been presented for use. We reserve the right to chargea service fee for the replacement of any SMRT Rewards Voucher.k. You are responsible for any taxes that may be due on SMRT Rewards Vouchers you receive foryour SMRT balances. SMRT have no cash value until such time a SMRT Rewards Voucher isissued for accumulated SMRT and you shall have no property rights or other legal interest inSMRT . You may not assign, transfer or pledge your SMRT .5. SMRT Cash Rebate Redemptiona. To redeem SMRT for cash rebate, the Basic Cardmember must have at least SMRT 10 in theirCard account.b. Basic Cardmembers may redeem their SMRT for cash rebates via SMS by sending “RWDS space Last 4 Digits of Card number space corresponding redemption amount keyword ” to 72484.The keyword that corresponds to each cash rebate amount is set out in the table below:Cash Rebate Redemption AmountSMRT RequiredSMS KeywordS 1010SMRT10S 5050SMRT50S 100100SMRT100For example, to redeem 10 cash rebate, SMS to 72484:RWDS space Last 4 Digits of Your Citi SMRT Card number space SMRT10

c. In the event that the existing SMRT in the Card account available for redemption is less than theSMRT required to redeem the cash rebate requested, the Basic Cardmember will receive arejection SMS and the redemption will not go through.d. The Basic Cardmember must send the SMS in the prescribed format via their mobile phonenumber that has been registered with us, as per our last updated records.e. Approximately 7 working days should be allowed for the processing of a cash rebate redemptionrequest. The cash rebate will be reflected as a credit in the statement of account and is not to betaken as a payment in reduction of the minimum payment due, total amount due or any amountin between that is due on the Basic Cardmember’s Card account statement. The BasicCardmember is required to settle at least the minimum amount due to avoid late charges frombeing billed to his Card account.f. The cash rebate redemption is subject to the Basic Cardmember’s internet and/or mobile phoneservice provider’s ability to support the SMS redemption service, and the relevant terms andcharges of such service provider.g. The Basic Cardmember accepts and acknowledges that any SMS received pertaining to his SMRT balance enquiry may not be encrypted and may contain personal details and informationpertaining to his Card account, and we shall not be responsible or liable to him for any possiblerelease, loss or interception of such personal details and/or information.h. We neither guarantee the delivery, accuracy, security, nor confidentiality of the contents of anySMS sent by us to the Basic Cardmember in connection with this Service. The Basic Cardmembermust promptly update us of any change to his mobile phone number. We shall not be liable tothe Basic Cardmember, the Supplementary Cardmember or anyone else for any losses or damagesarising from the Service, including but not limited to, (a) non-delivery, delayed delivery, wrongdelivery or partial delivery of any SMS; (b) inaccurate contents of any SMS; or (c) unauthorizedaccess to the contents of any SMS by anyone.i. Under this Service, only SMRT accumulated on the specific Card that was used for the SMSredemption can be redeemed. SMRT from different Cards cannot be accumulated forredemption. SMRT accumulated on supplementary Card accounts can only be redeemed by theBasic Cardmember.j. Strictly no cancellation will be allowed once Basic Cardmember sends in the request for theService.k. For SMS redemptions made while overseas, mobile charges from respective local carriers applies.l. We reserve the right in our reasonable discretion to terminate or suspend this Service, vary,delete or add to any of these terms and conditions, at any time without prior notice and withouthaving to disclose any reason therefore and without any payment or compensation whatsoever.m. Our decision on and records of all matters relating to the Service are final, conclusive and bindingon all customers and no correspondence will be entertained. In the event of any inconsistencybetween these terms and conditions and any marketing material relating to this Service, theseterms and conditions will prevail.n. For the purposes of this clause:i. “Service” refers to the SMRT Cash Rebate redemption service.ii. “SMS” means Short Message Service.

6. Other Conditionsa. We may at any time vary, modify or amend the terms and conditions relating to the Program as wemay, in our reasonable discretion, think fit, and you shall be bound by such variations andamendments after such variations and amendments have been communicated to the Cardmember.b. Any abuse or fraud in respect of the issuance of SMRT , SMRT Rewards Vouchers may result in thecancellation of the Card Account, any accumulated SMRT and any SMRT Rewards Vouchers alreadyissued.c. Without prejudice to any of our rights and remedies, we are entitled, at any time, in our reasonablediscretion with reasonable notice, to terminate the Program or withdraw, cancel or invalidate anySMRT , and/or any SMRT Rewards Vouchers already earned or issued.d. We are not liable if we are unable to perform our obligations under these terms and conditions, duedirectly or indirectly to the failure of any machine or communication system, industrial dispute, war,Act of God, or anything outside our control or the control of our servants or agents. We shall not beresponsible for any delay in the transmission to us of evidence of retail purchases.e. Save in the case of gross negligence or willful default, we shall not be liable for any errors, delays,omissions in the performance of the obligations under these terms and conditions.f. Our records of, and decision on, all matters relating to the Program is conclusive and binding on you.We are entitled, for any reason and at any time, without liability or prior notice, to suspend thecalculation or accumulation of SMRT , to rectify any errors in the calculation, or otherwise adjust suchcalculation.g. We reserve the right at our reasonable discretion to terminate or amend the Program or vary, deleteor add to any of these terms and conditions from time to time, without having to give prior notice orreason.h. We shall not be responsible for the quality, merchantability or the fitness for any purpose or any otheraspect of the products and/or services provided by third parties. Notwithstanding anything herein,we shall not at any time be responsible or held liable for any loss, injury, damage or harm suffered byor in connection with the products and/or services provided by third parties.i. We shall not be liable in any way to any Basic or Supplementary Cardmember for any loss or damageor expense arising out of or in connection with the Program, including without limitation, from anylate or non-receipt of SMS notifications, error in computing, any breakdown or malfunction in anycomputer system, mobile phone or equipment.j. Our decision on all matters relating to the Program will be at our reasonable discretion and will befinal and binding on all participants. In the event of any inconsistency between these terms andconditions and any brochure, marketing or promotional material relating to the Program, these termsand conditions will prevail.Updated 26 October 2021

Citibank will not issue any SMRT Rewards Vouchers for amounts below SMRT 10. All SMRT Rewards Vouchers will be issued in multiples of SMRT 10. Upon expiry of the SMRT Rewards Vouchers, there will be no reimbursement of the SMRT Rewards Vouchers nor will the Cardmember obtain any other benefits in connection with the expired SMRT Rewards Vouchers.