Citi® Home Rebate Platinum Select® MasterCard®

APR for Balance Transfers: Prime + 4.99% (Currently 9.99%)
Balance Transfer Fee: Balance transfer fee applies with this offer*
Ongoing APR: Prime + 4.99% (Currently 9.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Reward Program: Mortgage Rebate
Issuer: Citibank

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Help pay off your mortgage faster with the Citi® Home Rebate Platinum Select® MasterCard®. Everyday purchases will give you a 1% rebate toward your mortgage principal (Balance Transfer Fee applies with this offer*) with the Citi® Home Rebate Platinum Select® MasterCard®.
* See Terms and Conditions.

• You" and "Your" as used in these Terms and Conditions refer to Citibank Credit Cardmembers who accept the Citi® Home Rebate Program (the "Program"). "Citi", "We", "Us", and "Our" as used in these Terms and Conditions refer to Citibank (South Dakota), N.A. "Account" refers to your Citibank Credit Card account enrolled in the Citi® Home Rebate Program. "Mortgage Company" refers to the name of the Mortgage Company associated with your credit card account; "Mortgage Information" refers to the account identification number, payment address, and other details associated with your credit card account. "Rebate Anniversary" refers to the Month and Year in which accumulated rebates will be distributed.
  
  
• There is a promotional period of twelve months from the date your account is opened. During the promotional period, you will earn a six percent (6%) rebate for every one dollar in new purchases made from (1) Telecom Services (2) Computer Network/Information Services (3) Cable, Satellite and other Pay TV and Radio Services and (4) Utilities and a one percent (1%) rebate for every dollar you spend on all other purchases. Telecom Services include providers of telecommunication services such as local and long-distance telephone calls, fax services and calls through use of magnetic strip-reading telephones. Included are merchants that sell prepaid phone services such as calling cards, and merchants that provide periodic billing of telephone calls. Computer Network/Information Services include providers of computer network, information services, and other online services such as electronic bulletin board, e-mail, Web site hosting services, or Internet access. Cable, Satellite and other Pay TV and Radio are defined as the connection and ongoing delivery of television and /or radio programming on a subscription or fee basis. Utilities are defined as the ongoing generation, transmission, or distribution of electric or gas power, water system supply services, or collection and disposal of refuse. After the promotional period purchases of these services will earn a one percent (1%) rebate. Purchases or spending not eligible to receive the six percent rebate include, but are not limited to, (1) Purchases made at telecom merchants that sell telecommunications equipment such as telephones, fax machines, pagers, cellular phones, and other equipment related to telecommunications, (2) Purchases made at providers of telecommunication services including local and long distance telephone calls placed via key entry using a central access number (3) Purchases made at providers of telegraph and other nonverbal message communications services such as cablegram (4) Purchases made at retailers who sell computers and other internet access devices such as Blackberries and pocket personal computers (5) All other services not defined or described in Paragraph 2. We are not responsible to determine whether merchants correctly identify and bill transactions as being made at a qualifying merchant and we are not responsible for merchant identification of purchases. We reserve the right to determine in our sole discretion which purchases are not eligible to receive the six percent (6 %) rebate.
  
  
• You will earn a one percent (1%) rebate for every one dollar in new purchases charged to your account. There is no limit on the amount of rebates you may accumulate each year. The total rebates earned at the close of each billing cycle will be reflected on your monthly billing statement. Unless specifically stated otherwise, rebates will not accumulate on returned purchases, convenience checks, cash advances, transferred balances, finance charges, or other Account fees, credits and balances carried over from previous statements. Disputed amounts and purchases made in violation of law or the Citibank Card Agreement will not earn a rebate. Credits applied to your account, including those arising from returned or disputed purchases made prior to or after enrollment, may reduce or eliminate points accumulated in the Program, and may result in a negative balance.
  
  
• Once a year on your behalf, Citi will forward any accumulated rebate on your account to the Mortgage Company listed in our records. You are responsible for providing Citi with notice of any change in Mortgage Company, Mortgage Information, or other information that we may request from you from time to time regarding your Mortgage account. The rebate earned will automatically be sent to your Mortgage Company within two billing cycles after the end of your Rebate Anniversary month, as listed on your monthly billing statement. In the event that we are unable to forward the rebate to your Mortgage Company, for any reason, Citi will issue a statement credit for the rebate amount on your monthly billing statement within two billing cycles. In the event that your Mortgage Company notifies Citi that the rebate will not be applied to your account,for any reason, Citi will issue a statement credit for the rebate amount on your monthly billing statement within two billing cycles after receiving notice.
  
  
• Following the transfer of your accumulated rebate from Citi to the Mortgage Company, Citi shall not be responsible or liable in connection with the administration of this rebate, or items associated with your Mortgage, which shall be the responsibility of your Mortgage Company. Citi also waives responsibility and liability for any prepayment penalty(ies) your Mortgage Company may charge you as a result of the rebate payment.
  
  
• If your account is closed for any reason, or if you are in default under any Card Agreement, you may be disqualified from participating in the program, and such disqualification will result in the loss of your accumulated rebate. If you convert your Citi card to a credit card that is not eligible to participate in the Program, you will lose your accumulated points and will no longer be enrolled in the Program. This Program is not available if Mortgage Company is outside of the United States.
  
  
• You are responsible for any taxes on rebate payments.
  
  
• If you have any inquiries concerning your Total Rebate earned, you must contact us within 60 days of the billing statement on which the item being questioned or disputed first appears.
  
  
• You may not assign, transfer or pledge any rebates earned under this agreement.
  
  
• This program is offered at the sole discretion of Citi. Citi may modify the Program with 90 days prior written notice to you. Our decisions regarding the Program are final.
  

See web site for complete terms & conditions