Each billing cycle we will determine your highest spend for purchases posted to your account in the following categories: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. Each purchase on your Card Account is assigned to a category based on the merchant category code as described below. We will calculate your total amount spent in each category, less any returns posted during the billing cycle, even if the original purchase date for the return was in an earlier billing cycle. We will use this information to determine your highest spend category. Zest Bank shall have the sole right to determine the highest spend category each billing cycle and their decision will be final. Once we identify the highest spend category for a billing cycle, it will not be changed, even if purchases from that category are returned in a later billing cycle.

Merchants are assigned a merchant category code ("MCC"), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. We don't control the assignment of these codes and are not responsible for the codes used by merchants. When you use your card to make a purchase, we're provided an MCC for that purchase. We group similar merchant codes into categories for purposes of identifying your spend category. Sometimes you may expect a purchase to fit within a rewards category as recognized by Citi, but if the code assigned to the merchant wasn't grouped into that category, your purchase amount will not be included in the spend for that billing cycle. For example, your purchase amount would not be included in the restaurant category for purchases at a restaurant located within a retailer if the restaurant is assigned a "retailer" code instead of a "restaurant" code. Please also note – purchases made through mobile/wireless technology may not be included in the anticipated category depending on how the technology is set up to process the purchase. We reserve the exclusive right to determine in which category purchases are placed.

- Taking away your accrued Points.
- Stopping you from earning Points
- Suspending or closing your Crystal® Account or ThankYou® Account
- Taking legal action to recover Rewards redeemed because of such activity and to recover our monetary losses, including litigation costs and damages

Your card is contactless and you can add it to Apple Pay, Google Pay and Samsung Pay.

Online banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.

Add your partner or family members over 18 to your account. It's a simple way to get more from your Zest Bank Credit Card.

Make payments to existing beneficiaries and manage your personal accounts easily and securely with the ZestOnline Banking .

You can use your Zest Bank Credit Card at any retailer or cash machine that displays the logo on your card. Fees apply and non-Bank cash machines may also charge a fee.

Day or night, help is always at hand if your card is lost or stolen. Wherever you are in the world, you can speak to our dedicated support team about getting an emergency cash advance