Emirates Citibank Platinum Card Enjoy 15,000 bonus Skywards Miles1. The Emirates Citibank Platinum Credit Card is the perfect companion for every world traveller. Designed with luxury in mind, this card gives you premium rewards and services. For a limited time, enjoy 15,000 bonus Skywards Miles1 and 3.9% p.a. for 9 months of on balances transferred. After the introductory period, the rate reverts to cash advance rate2. You can enjoy the following benefits: 15,000 bonus Skywards Miles, plus accelerate your Miles and receive 1.5 Skywards Miles for every $1 spent1 Spend $1,500 a month on your Emirates Citibank Platinum Card and you could redeem a free trip to New Zealand every year8 An introductory rate of 3.9% p.a. for 9 months on balances transferred. After the introductory period, the rate reverts to the cash advance rate2 Complimentary Emirates Lounge access for you and a guest each year3, plus one complimentary Emirates chauffeur-drive to and from the airport4 International Travel Insurance and Transit Accident Insurance. Plus, protect your purchases with complimentary Extended Warranty Insurance, Purchase Cover Insurance and Guaranteed Pricing Scheme5 A free bottle of award winning wine every time you dine at one of our partner restaurants with Citibank's Dining Program7. Learn more about the Emirates Citibank Platinum Card Why not also apply for the award winning Citibank Plus everyday bank account - totally fee free10. Simply complete the short application form for the Citibank Plus account once your Emirates Citibank Platinum card application has been completed. Switching your credit card is easy. Apply online today. To apply for this product you must meet the following minimum criteria: You are at least 18 years of age You have a good credit rating You earn a taxable income of $35,000 per year or more You are a permanent Australian resident. Information required when applying online: Personal contact details Employment status Financial position - your gross annual income, your total monthly income and expenses.

Terms and Conditions Fees and charges apply. Terms and conditions apply and are available upon request. Credit criteria apply. The Emirates Citibank Platinum Card was awarded CANNEX 5 star Outstanding Value in the Big Spender category in January 2012. 1. An Emirates Citibank Platinum Cardholder must be a member of Skywards Frequent Flyer Program to earn Skywards Miles. Membership is free and subject to Skywards terms and conditions. New applicants will earn 15,000 Miles on first spend with their Emirates Citibank Platinum Credit Card. Cash Advances, Balance Transfers and Special Promotions are excluded from this offer. Cardholders must apply before 20 November 2013 to be eligible for this offer. Skyward Miles are earned at a rate of 1.5 miles for every dollar spent on Retail Purchases. Up to 150,000 Miles can be earned per annum on the card from the date of account approval. A Cardholder must provide their Skywards membership number to Citibank in order for the Skyward Miles transfer to occur. Miles are transferred to the Cardholder's Skywards account at the end of each statement cycle. Please allow up to 15 days from the end of your statement cycle for miles to be credited into your Skywards account. 2. Your total balance transfers may not exceed 80% of your credit limit. The 3.9% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 9 months. The 9 month promotional period commences once balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Annual Percentage Rate for cash advances, currently 21.24% p.a. The current Annual Percentage Rate for retail purchases is 20.99% p.a. Interest rates are variable and subject to change. The interest rates are current as at 1 April 2013. This offer ends 20 November 2013. Current Citibank Credit Cardholders are not eligible to apply for this introductory offer. 3. Each Emirates Citibank Platinum Cardholder is automatically provided one complimentary Emirates Lounge Voucher per year for the Primary Cardholder and one guest to access any Emirates Lounge in Australia when travelling on the same Emirates flight that you have purchased with your Emirates Citibank Platinum card. Entry to the Emirates Lounge in Australia prior to your Emirates flight will be granted upon presentation of a valid voucher for the Cardholder and his/her guest. The guest voucher can be used for one accompanying adult or one child only. Additional guest entry will not be permitted. Emirates Lounges are administered by Emirates and/or third parties for Emirates. Citibank accepts no liability for this benefit. 4. Chauffeur-driven transfers to and from Australian airports for Emirates Citibank customers travelling in Economy Class on an Emirates flight is restricted to once per calendar year on purchasing an Emirates long-haul flight with your Emirates Citibank Platinum Card by the primary card holder. Maximum capacity per car is two adults, with total luggage limit of two suitcases plus one carry-on bag per adult. Additional charges apply if a larger vehicle or infant car seat is required. Excludes flights to New Zealand, Skywards Miles redemption tickets, travel industry tickets and group bookings. Mileage restrictions apply for details visit www.emirates.com/au. This service must be booked at least 72 hours prior to departure by calling Emirates on 1300 303 777. The Emirates Citibank Platinum Cardholder must be travelling on the booked flight to be eligible for the complimentary Chauffer-drive service. Chauffeur-drive is provided by Emirates and their authorised third parties to Emirates Citibank Platinum Cardholders. Citibank accepts no liability for this service. 5. International Travel Insurance, Extended Warranty Insurance, Transit Accident Insurance and Purchase Cover Insurance are provided automatically to Cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at www.citibank.com.au/complimentaryinsurance. An excess applies to Purchase Cover Insurance. 6. Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $35,000 per year and your credit rating. Credit limit is up to $30,000 at point of initiation. Over time, you may increase your credit limit up to $100,000, if you satisfy our credit criteria. 7. Citibank's Dining Program is operated by Pinpoint Pty Ltd ABN 49 002 693 656 and Zenith Wine Agencies Pty Ltd ABN 66 128 399 717. Please visit citibank.com.au/dining for important information about how to use this program to receive a free bottle of wine. 8. This figure was calculated multiplying (1.5 X $1,500) X 12 months. This is used for illustration purposes only. To find out more about Skywards Miles, visit www.skywards.com 9. The maximum 55 days interest free period applies when you pay your balance off in full for two consecutive months. If you carry a balance on your credit card from month to month, the 55 days interest free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers. 10. Citibank Plus is issued by Citigroup Pty Limited ABN 88 004 325 080, AFSL 238098 ("Citibank"). The Terms and Conditions that apply are available on request. Any advice is general advice only. It was prepared without taking into account your objectives, financial situation, or needs. Before acting on this advice you should consider if it's appropriate for your particular circumstances. Total balances held by a depositor with Citibank, up to an amount of AUD$250,000, automatically access the Financial Claims Scheme. For more information go to www.apra.gov.au or call 1300 55 88 49. Further information and our dispute resolution process is available at www.citibank.com.au or by phone on 1300 137 931. © 2013 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citibank® and Arc Design® are service marks of Citigroup Inc.

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