Important Information

Citibank Rewards Credit Card - Platinum (Platinum card)

#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. 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.

3. All rewards are subjected to the Terms and Conditions of the Citibank Rewards Program. Cash advances do not earn Reward points.

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. 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.

9. Exclusive Platinum Visa Entertainment Offers supplied by Visa. Visit www.visaentertainment.com.au for details.

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.


Citibank Rewards Credit Card - Signature (Signature card)

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. For a 12 month period from Account approval, you will receive 2,000 Citibank Reward points or 2,000 Qantas Frequent Flyer Points (if you enrol in the Citibank Qantas Rewards Program for an annual fee of $49) each monthly statement period in which you make a retail purchase using your Citibank Rewards Credit Card - Signature card. 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.

2. For the Citibank Rewards Credit Card - Signature (Signature card), a $250 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 31 December 2012.

3. 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

4. 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 two rewards 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/frequentflyer. 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.

5. 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.

6. 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.

© 2017 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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