Citibank Rewards Credit Card - Signature

1.5%p.a. for 15 months on balances transferred¹.Rethink banking.Powered by Citi.

Enjoy a low introductory rate of 1.5% p.a. for 15 months on balances transferred, after the introductory period rate reverts to Cash Advance Rate¹. Plus, a discounted first year annual fee of $199

Other benefits include:

Travel

	Enjoy 2 complimentary lounge visits per year with a Priority Pass™ Membership⁴
	Book flights and accommodation with Citibank's Travel Program and pay with your reward points⁵
	Receive a discounted membership with our 'Airport Meet & Assist' service and speed through immigration⁶
	Travel with peace of mind with International Travel Insurance, Interstate Flight Inconvenience Insurance and Transit Accident Insurance⁷.

Shopping

	Earn 1.5 points per $1 spent on purchases made in Australia and up to 4 points per $1 spent on international purchases⁸
	Receive an additional 3 reward points with Citibank Bonus Partners and earn unlimited Citibank reward points per year with no expiry⁹
	Protect your purchases with Extended Warranty Insurance, Purchase Cover Insurance and Guaranteed Pricing Scheme⁷.

Dining

	Enjoy a free bottle of award winning wine, every time you dine and pay with your card at partner restaurants with the Citibank Dining Program².
	You can also easily locate Citibank Dining Program restaurants with the iPhone or Android app.

Personal budgeting tool

Track your expenses and control your finances with our online budgeting tool.

Learn more about the Citibank Signature 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 Citibank Signature card application has been completed.

Switching your card is easy. Apply today and enjoy a low introductory rate of 1.5% p.a. for 15 months on balances transferred, after the introductory period the rate reverts to Cash Advance Rate. Plus, enjoy a discounted first year annual fee of $199.

See how the value adds up. Citibank Rewards Credit Card - Signature

Some of these features are not available for sale, so we have estimated their retail value. Actual value may be more or less based on individual use. Conditions and exclusions apply.

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 $75,000 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.

Important information

Fees and charges apply. Cards are offered, issued and administered by Citigroup Pty Limited. Terms and conditions apply and are available upon request. Credit Criteria apply.

# Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $75,000 per year and your credit rating. Credit limit is up to $50,000 at point of initiation. Over time, you may increase your credit limit up to $100,000, if you satisfy our credit criteria.

1. Your total balance transfers may not exceed 80% of your credit limit. The 1.5% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 15 months. 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 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.

2. 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.

3. For the Citibank Rewards Credit Card -Signature (Signature card), a $199 Primary Cardholder Fee will be charged in the first year. For subsequent years, you will be charged an Annual Primary Cardholder Fee, currently $395, and $0 for any additional Card. 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 20 November 2013.

4. One complimentary Priority Pass™ Standard Membership, with two complimentary lounge visits, for the primary cardholder is a special feature of the Signature card. Signature cardholders must enrol for the Priority Pass Standard Membership at prioritypass.com/citibankaus. Once you have enrolled, please allow up to 15 working days for your Priority Pass card to arrive in the mail. Standard Membership includes one complimentary visit to a Priority Pass lounge and you will automatically receive a second complimentary visit which you may use by presenting your card at the lounge. The first two visits within each 12-month membership period are complimentary to the primary cardholder only, after which any additional visits by you and any visits by your guests will be charged directly to you by Priority Pass at their ordinary price. Unused visits cannot be carried forward to the following membership year. The total number of complimentary visits will be reset two at the beginning of each membership year while you remain a Signature cardholder. Please note that Priority Pass is not currently available at any Australian airport other than Melbourne International Airport. Membership is subject to the Conditions of Use available at www.prioritypass.com

5. 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 - Signature, 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.

6. Signature cardholders receive a 10% discount on the retail price of Visa SpeedPass' Meet and Assist service. Visit https://speedpass.yqever.com to book and to view the terms and conditions that apply.

7. International Travel Insurance, Extended Warranty Insurance, Transit Accident Insurance, Interstate Flight Inconvenience Insurance, Guaranteed Pricing Scheme 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.

8.All rewards are subjected to the Terms and Conditions of the Citibank Rewards Program. Cash advances and Balance Transfers do not earn Reward points. Different Rewards points earn rates apply to cardholders who enrol in airline frequent flyer direct earn rewards programs. Citibank Rewards and Citibank Qantas Rewards are two separate programs. Unless you choose the Citibank Qantas Rewards program (for an annual fee of $49), you will be automatically be enrolled in the Citibank Rewards Program. Under the Citibank Rewards program you will earn 1.5 reward points for every per dollar spent. Citibank Rewards Points are subject to the Citibank Reward Terms and Conditions. Under the Citibank Qantas Rewards Program you will earn one Qantas Frequent Flyer point per dollar of eligible spend. Once Qantas Frequent Flyer points have been transferred to your Qantas Frequent Flyer account, they cannot be reversed. Qantas Frequent Flyer points are earned in accordance with the Citibank Qantas Rewards Program Terms and Conditions and you must be a member of the Qantas Frequent Flyer program in order to earn or redeem Qantas Frequent Flyer points. A joining fee applies. Qantas Frequent Flyer points and membership are subject to the Qantas Frequent Flyer program Terms and Conditions. Full details are available at qantas.com/frequent flyer. Enrolment in the Citibank Qantas Rewards program can be requested on card activation or after approval of new card by contacting Citibank on 1800 818 008.

9. Bonus Points are earned on purchases made at participating Australian Bonus Partner retailers only. The Bonus Partner Program is only available to Citibank Rewards Credit Cards, Citibank Select and Citibank Business Cardholders participating in Citibank's standard rewards program. Bonus Points are not available to cardholders who enrol in airline frequent flyer direct earn rewards programs.

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.

11. 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.

The Citibank Rewards Credit Card - Signature was awarded CANNEX 5 star Outstanding Value in the Big Spender category in 2012.

'Free wine.I'll drink to that.'The Citibank Dining Program.Powered by Citi.

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