By clicking on the options to share your unique referral link, you acknowledge that: (a) you are agreeing to take part in 2020 Citibank Personal Loan eMember-Get-Member Programme, (b) you are giving your consent to Citibank to process your personal data for purposes in relation to the Programme, including prize fulfilments, and (c) you agree to be bound by the Programme terms and conditions and relevant terms and conditions governing your access to Citibank Online (see below), as may be amended from time to time.

1. The digital referral program offer duration in from 1^st October, 2020 to 31^st Dec, 2020. Referral date should be on or before 31^st Dec, 2020
2. The last date of approvals for applications through this digital referral program is 31^st January, 2021.
3. There is a cap of 3 referrals given by referrer during 1^st October, 2020 to 31^st December, 2020.
4. The reward will be in the form of a Noon e-voucher in the value of AED 500 for disbursed Personal Loan amounts between AED 50,000 and AED 99,999, AED 1000 for disbursed Personal Loan amounts between AED 100,000 and AED 159,999, AED 1250 for disbursed Personal Loan amounts greater than or equal to AED 160,000 and AED 250 for disbursed Salary Transfer Loan amounts greater than or equal to AED 50,000.
5. The Noon e-voucher will be shared with customer via SMS within 30 working days' after the 1st Loan EMI has been paid by the customer.
6. Reward will be in the form of noon e-vouchers sent to the customer's mobile number
7. Referrer offer is applicable for existing Citi Credit Card, personal loan and retail customers only.
8. This campaign is not applicable for US Citizens or US green card holders.
9. The reward would be extended to referrer only upon issuance of a Citi Personal loan to his/her referred person
10. The reward shall be extended conditioned that the customer (Referrer) correctly entered his/her registered mobile phone number in the required field on this online referral form page.
11. Noon e-vouchers will be given within 30 business days' post successful disbursal of the Personal loan
12. Any existing customer who refers outside of this Citi's digital referral program will not be eligible for this reward.
13. This offer is not valid in conjunction with any other offer.
14. This offer is not extended to Citibank employees or Citi outsourced staff. This condition is applicable to both referred person & referrer.
15. All personal loans are approved at the sole discretion of Citibank, N.A UAE (Citibank N.A.). Approval for a personal loan is subject to receipt of complete documentation (in original), required information to the satisfaction of the bank and successful verification
16. Citibank Terms and Conditions apply. They are subject to change and are available on www.citibank.ae
17. 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 partner(s)/ other entity(ies)
18. 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.
19. Citibank reserves the right to, without liability or prejudice to any of its other rights, at any time, without previous notice and from time to time, withdraw/suspend/amend/cancel digital referral program with or without any reason
20. The digital referral program is not applicable to Referrers and Referees if the Referee is a resident individual of the European Union, European Economic Area (EEA) or any other jurisdictions where referral activity is restricted. Please consult a bank representative for details.

Terms & Conditions for Noon e-voucher

1. The Noon e-Gift card has to be used to top up your noon.com wallet to purchase any product on noon.com platform or please visit the noon website https://www.noon.com/uae-en/
2. To redeem this e-Gift card: create you noon.com account, go to menu, click my account, select noon credits, enter the code into the provided field, and start shopping.
3. This e-Gift card must be redeemed within 4 months after SMS is received from Citibank with e-vouchers details.
4. Once this e-Gift card has been redeemed, the credits have no expiry date.
5. Expired e-Gift card cannot be extended, exchanged or refunded.