Fees and charges apply. Terms and Conditions apply and are available upon request. Credit criteria apply. Cards are offered, issued and administrated by Citigroup Pty Limited.

*Subject to your acceptance, you will be billed an annual fee of $149 in subsequent years. There is no annual fee for Additional CitiBusiness Cards. Please allow up to 15 days to process your Application subject to verification.

# Actual credit limit will be assigned based on our credit criteria, your credit rating, and subject to confirmation that you earn a minimum of $30,000 per year. Credit limit is up to $25,000 at point of initial approval. Over time, you may apply to increase your credit limit up to $60,000, if you satisfy our credit criteria.

1. All Citibank Rewards are subject to the CitiBusiness Rewards Terms and Conditions. Cash advances and Balance Transfers do not earn Reward points. Reward points never expire while the card remains open and in good standing.

2. You must be a member of the Qantas Frequent Flyer program in order to earn or redeem Qantas Frequent Flyer points. Membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program. Full details available at qantas.com/frequentflyer. A joining fee applies. Redemption must be made in blocks of 10,000 points. Once Qantas Frequent Flyer points have been transferred to your Qantas Frequent Flyer account, they cannot be reversed.

3. 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.

4. International Travel Insurance, 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/complimentaryinsurance. An excess applies to Purchase Cover Insurance.

5. 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. This offer is available only at participating partner restaurants for dine-in customers who order a minimum of a main course per person or spend over $50 in participating yum cha restaurants, 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. Program not to be used in conjunction with any other offer.

6. The number of Qantas and Partner Classic Award seats is limited. The number of seats available depends on the flight dates, seasons and destinations. Some flights may have no Classic Award seats available. Award flights must be booked at least 24 hours before scheduled departure (and other advanced booking requirements apply). Surcharges, fees and taxes may be payable in cash in addition to the number of points quoted. Store products are for delivery in Australia and New Zealand only and different products are available in each different location. Redemption points for items through the online store are subject to terms and conditions (including store terms of use and voucher terms and conditions). See qantas.com/store for details.

7. Citibank Travel Program service call centre is operated by Pinpoint Travel Group Pty Ltd, Licence No. 2TA002974. Visit citibank.com.au/travel for details.

8. 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 www.citiworldprivileges.com/au/ for up-to-date offer details.

© 2012 Citigroup Pty Limited ABN 88 004 325 080, Australian Credit Licence No.238098, AFSL No.238098. Citibank®, Citi® and Arc Design® are service marks of Citigroup Inc.