I did file a complaint and got a refund for those "refunds" by threatening them that I'll go to HKMA if they don't comply - honestly I'll because this is simply wrong - banks can set whatever terms they like BUT it has to be fair and reasonable according to consumer law (at least in the EU). I think this would be a win in consumer case here in Europe. Citibank can charge me 7.67 if I credit a refund to my citibank card that I didn't use it to make the purchase.