Subject to your acceptance you will be billed an annual account fee which is currently $65 for the Primary Citibank Clear Credit Card, and $19 for an Additional Citibank Clear Credit Card. Allow up to 15 working days to process your Application subject to verification.

1. 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.

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 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.

3. 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.

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

5. The 6.9% 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 15.99% 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.

6. Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $25,000 per year and your credit rating. Credit limit is up to $20,000 at point of initiation. Over time, you may increase your credit limit if you satisfy our credit criteria.

© 2012 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.