Terms and Conditions. Fees and charges apply and are available at www.citibank.com.au

1. The promotional annual percentage rate of 0% p.a. for the first 6 months applies from the date of card approval. At the end of the 6 months introductory period, the interest rate will revert to the standard Citi Clear Platinum interest rate, currently 11.49% p.a. for purchases and 20.99% p.a. for cash advances, current as at 15/12/2009, variable, subject to change. Balances transferred are repaid before purchases and cash advances. Purchases, cash advances, balance transfers and special promotions made other than with this offer are charged at the applicable interest rate, which may be variable and subject to change and Citibank's Credit Criteria.

2. Subject to your acceptance you will be billed an annual account fee which is currently $85 for the Primary Citibank Platinum card, and $19 for an Additional Citibank Platinum card. Allow up to 15 working days to process your Application subject to verification.

3. Exclusive Platinum Visa Entertainment Offers supplied by Visa. Visit ww.visaplatinum.com.au for details.

4. Exclusive Visa Platinum 24/7 concierge service supplied by Visa. Visit www.visaplatinum.com.au for details.

5. Citibank World Privileges - 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 worldprivileges.citibank.com for up to date offer details.

6. International Travel Insurance is underwritten by Zurich Australia Insurance Limited (ABN 13 000 296 640 AFSL No. 232507) 5 Blue Street, North Sydney, NSW, 2060, and is subject to the Terms and Conditions and exclusions contained in the Policy of Insurance. Please check the Policy conditions to ensure eligibility for cover. As these services are provided by third parties, Citibank accepts no responsibility for their availability, quality, use or the result of any medical, legal or transportation facilities. The Cardholder shall be responsible for the payment of these services. Please refer to the Terms and Conditions full explanation of cover and exclusions.

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