1.25 points per $1 spent on purchases in Australia and up to 3 points per $1 spent on international purchases2 A free bottle of award winning wine every time you dine, and use your card to pay, at partner restaurants with Citibank's Dining Program4 Complementary International Travel Insurance, Transit Accident Insurance and Purchase Cover Insurance5 An introductory rate of 2.9% p.a. for 6 months on balances transferred, after the introductory period rate reverts to the Cash Advance Rate6 Up to 55 days interest free7 Access to Citibank World Privileges9 and Visa Entertainment offers10 Why not start your relationship with Citibank for free and also apply for the award winning Citibank Plus everyday bank account - totally fee free11. Simply complete the short application form for the Citibank Plus account once your Citibank Platinum card application has been completed. 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 #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. 1. For the Citibank Rewards Credit Card - Platinum (Platinum card), no annual fee will be charged in the first year on the primary card. The Annual Additional Cardholder Fee will also be waived for all additional cards obtained within the first 12 months from that date Citibank approved your account. For subsequent years, you will be charged an Annual Primary Cardholder Fee (currently $199), and an Additional Cardholder Fee (currently $90) charged for each additional Platinum Cardholder . Please allow up to 15 days to process your Application subject to verification. Current Citibank Credit Cardholders are not eligible to apply for this introductory offer. Offer ends 31 December 2012. 2. All rewards are subjected to the Terms and Conditions of the Citibank Rewards Program. Cash advances do not earn Reward points. 3. For a 12 month period from Account approval, you will receive 1,000 Citibank bonus reward points each monthly statement period in which you make a retail purchase using your Citibank Rewards Credit Card - Platinum. All Rewards are subject to the terms and conditions of the Citibank Rewards Program. Citibank Reward points never expire as long as your account remains open. Current Citibank Credit Cardholders are not eligible to apply for this introductory offer. Offer only available if you apply by 31 December 2012. 4. 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 and is open to Citibank cardholders. The cardholder is entitled to receive a gift of a selected bottle of wine when using their Citibank credit or debit card to pay for their restaurant bill. Citibank Rewards Credit Cardholders, except cardholders who are enrolled in airline frequent flyer direct earn rewards programs, will also earn three bonus points for each dollar spent at participating restaurants. This offer is available only at participating Bonus Partner restaurants for dine-in customers who order a minimum of a main course and is limited to one free bottle of wine per booking. Split bills are not permitted. The free bottle of wine must be requested at the time of ordering. The free bottle of wine cannot be taken away or consumed off premises and is not available to customers selecting a degustation menu option with matching wines. The free bottle of wine specified may be out of stock or replaced. Should this occur, the restaurant will provide a similar quality bottle of wine at their discretion. Reward points are earned, allocated, redeemed, forfeited or cancelled by eligible cardholders in accordance with the Citibank Rewards Program Terms and Conditions. 5. International Travel Insurance, Extended Warranty Insurance, Transit Accident Insurance, Guaranteed Pricing Scheme 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. Your total balance transfers may not exceed 95% of your credit limit. The 2.9% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 6 months. The 6 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 21.74% p.a. The current Annual Percentage Rate for retail purchases is 20.99% p.a. Interest rates are variable, subject to change and credit criteria. The interest rates are current as at 1 June 2012. This offer ends 31 December 2012. Current Citibank Credit Cardholders are not eligible to apply for this introductory offer. 7. 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. 8. Citibank Travel Program service call centre is operated by Pinpoint Travel Group Pty Ltd, Licence No.2TA002974. Travel booked via the call centre must be paid in full using the customer's Citibank Rewards Credit Card - Platinum, with a cashback processed to the value of points redeemed. Cashback on customer account may take up to 14 days. Redemption via the Citibank Travel Program call centre is available only to customers enrolled in the Citibank Rewards Program and is not available to cardholders who enrol in airline frequent flyer direct earn rewards programs. All offers are subject to availability and change without notice. Offers may vary according to itinerary options, currency fluctuations and taxes at the time of booking. 9. Payment must be made using a Citibank Credit Card. Privileges cannot be used in conjunction with any other promotional programs or offers. Citibank and the business establishment reserve the right to change the terms and conditions at any time. Refer to www.citiworldprivileges.com/au/ for up-to-date offer details. 10. Exclusive Platinum Visa Entertainment Offers supplied by Visa. Visit www.visaentertainment.com.au for details. 11. 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. © 2012 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No. 238098. Citibank®, Citi® and Arc Design® are service marks of Citigroup Inc.

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