Home Banking Credit Cards Mortgages Insurance Current Promotions Citi Platinum Card Citi Clear Platinum Citi Gold Card BP-Citi MasterCard The BP-Citi MasterCard can help you save on interest. Simply transfer the balances from your high-interest store and credit cards to a BP-Citi MasterCard. At an amazingly low 2.9% p.a. for the first 12 months2 on balance transfers and no annual fee for the first year, you could reduce your debt fast, and save! Plus with BP-Citi MasterCard’s unique cash back rebate, you’ll save whenever you spend. There’s no need to collect dockets, just swipe the card and the savings will be credited each month to your statement. Earn something extra everyday, whether its petrol, groceries, or dining out, you can get up to $660 back a year*. Its easy money! Suitable if you’d like: $0 annual fee in the first year, subsequent years will be at $79 p.a.1 5% off your petrol and everything else you buy at BP3 Save 0.5% off all other purchases4 A low 2.9% p.a. for 12 months on all Credit Card balance transferred2 Generous credit limit up to $25,0005 Flexibility Balance Transfer Rate   2.9% p.a. for 12 months2 Standard Interest Rate   20.89% p.a. Cash Advance Rate 21.39% p.a. Interest Free Period   Up to 55 days interest-free9 Maximum Credit Limit   $25,0005 Annual Fee   $01 Supplementary Fee $30 Card Types MASTERCARD only Advance Minimum Income Requirement $20,000 Minimum Age 18 Additional Cardholders Up to 4 Additional Cardholder Minimum Age 16 Manage your Account Accessibility Citibank Online CitiPhone banking ATM   EFTPOS Australia Post   Over the counter   Worldwide acceptance at over 22 million locations Payment Methods Citibank Online   Automatic Direct Debit (Easi-Pay) Funds transfer BPAY CitiPhone Banking Australia Post Statement Frequency Monthly Statement Delivery Online e-Statements or by mail Statement Frequency Monthly For more information on the fees and charges involved with any Citibank credit card, click here to view the Citibank Fees and Charges To find out how interest is calculated and charged, download Your guide to understanding interest on your Citibank credit card (Adobe PDF, 78kb). Rewards Cash Back Rewards Yes � 5% cash back at BP3 and .05% off purchases everywhere else4 Privileges Citi World Privileges Get up to 25% off special offers through Citi World Privileges6 Security Peace of Mind Worldwide personal customer service 24 hours a day, 7 days a week Complimentary Purchase Cover7  Yes Complimentary FRAUDSHIELD®    Yes Optional CreditShield® Plus Insurance8  Yes Emergency Card Replacement Yes Applying for a Citi Credit Card is simple. The application process should take less than 10 minutes to complete if you have all your personal information ready, and you will receive a response in 60 seconds after submitting the form. To be eligible, you must meet the following criteria   Have a good credit rating. Earn taxable income of $20,000 per year or more. Are a permanent Australian resident. If you are an existing Citi Credit Cardholder, you must have held your current Citi account for at least 9 months before you can apply for another Credit Card. Please note that if you do not satisfy all these criteria, we apologise, but you will not be eligible for a BP-Citi MasterCard at this time. Information required when applying online   Your personal details Your contact details Driver’s licence number (if you have one) Current residential status (and previous residential details if you have been at your current address for less than 3 years) If renting or boarding, your landlord or real estate agent’s details Contact details of a relative or friend not living with you Your financial position Your employer’s address and switch telephone number (as listed in the White Pages) Annual and monthly income (before and after tax) Contact details for your accountant if self-employed The value of your home and car, if applicable, and any other assets Types and amounts of other income (e.g. rental income) Details of your main expenses, including the current balances owing on your Credit Cards, loans and investment mortgages If you plan to transfer a balance from another financial institution, please provide us with key details of that account, including: the name the account’s held in; the type of card/ account; the card/ account number; the amount to be transferred and the issuing organisation’s name and address. Speed-up your Credit Card application   To streamline approval, ensure you give us a contact phone number that we can call you on easily. You can also contact your payroll department (or accountant if you’re self-employed) in advance to ensure they're ready and willing to confirm your income details when we call for verification. Check your application status online   Once you've submitted your online application, you'll receive a confirmation email containing your 9-digit Application Reference Number, which you can use to check the status of your application online. Apply Now 1. Subject to your acceptance you will not be billed an annual account fee in the first year. You will be billed an annual fee in the 2nd year which is currently $79 for the Primary BP-Citi MasterCard, and $30 for an Additional BP-Citi MasterCard. Allow up to 15 days to process your Application subject to verification. 2. The 2.9% p.a. interest rate applies only to balances transferred with this offer and applies for 12 months from account opening. Transferred balances will be repaid first. Any transactions made other than with this offer are at the standard Credit Card rate, currently 20.89% p.a., which is variable, subject to change and Citi's credit criteria. Interest rate last updated 08/12/2010. 3. 5% cash back rebates with BP is limited per account to the first $600 you spend at participating outlets each Statement Period. 4. All other Retail Purchases and bill payments (excluding purchases at any fuel outlet including BP) made using your Card will give you 0.5% cash back rebate on the first $5,000 spent on your Account during any monthly Statement Period from the date you are enrolled in the Rewards program. All cash back rebates will be automatically credited to your Account at the start of the next Statement Period.<br>The cash back rebate amount earned in your monthly Statement Period (Eg. Nov 15-Dec 14) will be reflected in a cash back summary on that month’s statement (Eg Dec statement). This cash back rebate will then be credited on the first day of the next Statement Period. (Eg. Dec 15). Accumulated benefits are forfeited if the account is suspended or closed. 5. Actual credit limit will be assigned based on Citi’s credit criteria subject to confirmation that you earn a minimum of $20,000 p.a. and subject to your credit rating. Credit limit is up to $25,000 at point of initiation. 6. Citi World Privileges - payment must be made using Citi Credit Cards. Privileges cannot be used in conjunction with any other promotional programs or offers. Citi and the business establishment reserve the right to change the terms and conditions at any time. Refer to www.worldprivileges.citibank.com for up to date offer details. 7. Purchase Cover Insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 233507 and Citigroup Pty Limited, and is subject to Terms and Conditions and exclusions available at www.citibank.com.au. An excess applies to Purchase Cover Insurance. 8. CreditShield is issued by MetLife Insurance Limited ABN 75 004 274 882, AFSL No. 238096. The distributor is Citibank [Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098 (“Citibank”)]. Terms, conditions, exclusions and acceptance criteria apply. Cover limits apply as set out in the policy wording. This material contains general advice only and does not take into account your individual objectives, financial situation or needs, and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement available at [www.citibank.com.au] to decide if a policy is right for you. 9. The maximum 55 days interest free period applies when you pay your balance off in full for 2 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. * Savings are indicative and based on maximum yearly cash back rebate earned of 5% at BP capped at $360 and 0.5% on all other retail purchases and bill payments capped at $300. Savings do not take into consideration account fees and charges. © BP Australia Pty Ltd ABN to 5300 4085 616. BP and the Helios Design are registered trademarks of BP PLC and licensed to BP Australia Pty Ltd for use in Australia.   citigroup.com Terms & Conditions Privacy Security Careers Contact Us Site Map Citi.com is the global source of information about and access to financial services provided by the Citigroup family of companies. 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