Citibank Clear Platinum Pay no interest for 6 months1. Plus, enjoy a half annual fee of $492 in the first year. Rethink banking. Powered by Citi. Enjoy 0% for 6 months on balance transfers, and up to 6 months on purchases and cash advances, that's no interest for 6 months1. Plus, pay a half price annual fee of $49 in the first year2. Benefits of Clear Platinum Credit Card include: Low ongoing rate Enjoy a low ongoing variable purchase rate of 11.99% p.a. (12.99% p.a. from 1 October)1 Plus, enjoy a low rate of 0% for 6 months on balance transfers, and up to 6 months on purchases and cash advances1. After the introductory period, the introductory rate reverts to the cash advance rate1. Dining Receive a free bottle of award winning wine every time you dine at partner restaurants, with Citibank's Dining Program3. Learn more>> Entertainment With Citibank World Privileges, you can receive up to 25% off hotels, restaurants, shops and services worldwide4 Access to a Personal Concierge to provide you with information and assistance 24 hours a day, seven days a week5. Insurance Enjoy Purchase Cover Insurance for lost or stolen items purchased on your card6 Along with, Guaranteed Pricing Scheme, if you buy an item in store on your Clear Platinum Card and it later goes on sale, you could receive a refund for the price difference. Conditions apply6. Online banking Control your finances with your own online budgeting tool. Why not also apply for the award winning Citibank Plus everyday bank account - totally fee free7. Simply complete the short application form for the Citibank Plus account once your Citibank Clear Platinum card application has been completed. *Estimated savings assume minimum payment is made by payment due date each month with no other transactions during the 6 month period and the entire balance is paid at the expiration of the promotional period. Excludes annual fees and other charges. This rate, balance, interest and potential savings calculations in the table are examples only. Your personal circumstances may differ. It does not include interest accrued at the standard interest rate. 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.

Important Information Fees and charges apply. Terms and conditions apply and are available upon request. Credit criteria apply. 1. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate on the Citibank Clear Platinum Card applies for the first six months on balances you transfer with this offer at point of application, and on all purchases and cash advances for a period of six months from the date your account is approved. Any outstanding transferred balance or cash advance balance at the end of the promotional period will revert to the Annual Percentage Rate for cash advances, currently 21.74% p.a. Any retail purchase transactions made during the promotional period will revert at the end of the promotional period to the Annual Percentage Rate for purchases, currently 11.99% p.a. (12.99% p.a. from 1 October). Offer ends 20 November 2013. Current Citibank Clear Platinum Credit Cardholders are not eligible to apply for this introductory offer. Approved customers only. Interest rates are variable and subject to change. 2. Subject to your acceptance, you will be billed a half-price annual fee (currently $49) in the first year. This will revert back to the full annual fee of $99 in subsequent years. There is no annual fee for Additional Citibank Clear Platinum Cards. Please allow up to 15 days to process your application subject to verification and our credit criteria. Current Citibank Cardholders are not eligible to apply for this introductory offer. 3. 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. 4. World privilege payment must be made using a Citibank Credit Card. Up to 25% discount on Dining and Shopping available at participating outlets. 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 citiworldprivileges.com/au/ for up-to-date offer details. 5. Exclusive Visa Platinum 24/7 concierge service supplied by Visa. Visit visaplatinum.com.au for details. 6. Extended Warranty Insurance, Transit Accident Insurance (for overseas travel), Purchase Cover Insurance and Guaranteed Pricing Scheme 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/complimentary insurance. An excess applies to Purchase Cover Insurance. 7. 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, will 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®, Citi® and Arc Design® are service marks of Citigroup Inc.

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