¹The 9 Sino Malls include tmtplaza, Olympian City, Citywalk, China Hong Kong City, Gold Coast Piazza, Tsim Sha Tsui Centre & Empire Centre, Island Resort Mall, Sino Plaza and One North.

²Eligible transactions must be 100% settled with a Citi Credit Card to qualify for rewards.

³Each cardholder entitled to a maximum value of HK$240 in S Coupons in every redemption, and a maximum of EIGHT times of redemption on Spending Reward (TWO times per spending tier from each eligible card type) during the entire Promotion Period, amounting to a maximum value of HK$1,140 in S Coupons.

⁴A HK$2,000 dining voucher for either The Fullerton Ocean Park Hotel Hong Kong or Hong Kong Gold Coast Hotel will be randomly awarded to top spenders ranked 6-40.

Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay!