Terms and Conditions, Fees and Charges apply.

Subject to your acceptance you will be billed an annual account fee which is currently $149 for the Primary CitiBusiness Card, and $30 for an Additional CitiBusiness card. Allow up to 15 working days to process your Application subject to verification.

1. The 2.9% p.a. interest rate applies to balance transfers with this offer for a period of 9 months. Transferred balances are repaid first. At the end of the balance transfer offer period your interest rate will revert to the Cash Advance CitiBusiness card interest rate currently 20.99% p.a. The CitiBusiness Card current standard variable rate is 20.49% p.a. on retail purchases. Interest rates are variable subject to change and Citibank's Credit Criteria. Interest rates last updated 15/12/2009.

2. Actual credit limit will be assigned based on Citibank credit criteria.

3. All Rewards are subject to the Terms and Conditions of the Citibank Rewards Program. Cash advances do not earn Reward points. Reward points never expire while the card remains open.

4. International Travel 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 are subject to Terms and Conditions and exclusions available at www.citibank.com.au.

5. CreditShield® is issued by MetLife Insurance Limited ABN 75 004 274 882 AFSL No. 238096. This material 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.

© 2010 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098. Citibank, Citi, Citi never sleeps and Arc Design are registered service marks of Citigroup Inc.