If you think world travel is a necessity and not just a luxury, then there
is no better credit card for you. The Emirates Citi Platinum Card is the
perfect travelling companion for frequent flyers.

• 1.5 Skywards Miles per $1 spent¹
• Complimentary lounge access in Australia and Dubai²
• Complimentary Chauffeur-drive service to and from Australian airports³
• 2.9% p.a. for 12 months on balance transfers⁴.
• Ability to earn and redeem Skywards Miles on Virgin Blue flights⁵
• Complimentary international travel and purchase cover insurance⁶
• International award-winning airline that flies to over 100 destinations on six continents
• 24/7 Personal Concierge around the world⁷
• Optional Credit Card Insurance⁹ - protection if you can't make your repayments.

Terms and Conditions

Terms and conditions, fees and charges apply and are available on request.

Subject to your acceptance you will be billed an annual account fee which is currently $229 for the Primary Emirates Citi Platinum Card, and $90 for an Additional Emirates Citi Platinum Card. Allow up to 15 working days to process your Application subject to verification.

^1. An Emirates Citi Platinum cardholder must be a member of Skywards to earn Skywards Miles. Membership is free and subject to Skywards terms and conditions. Skyward Miles are earned at a rate of 1.5 miles for every dollar spent on Retail Purchases. Up to 150,000 Miles can be earned per annum on the card (from the date of account approval).

^2. Emirates Lounges: Emirates Lounge access for the primary cardholder and guest is restricted to limited Australian airports once per annum on purchasing any class of Emirates flight from Australia with the Emirates Citi Platinum Card. This is in addition to existing First and Business Class benefits. For additional terms and conditions, please visit www.emirates.com/au. Marhaba Lounge: Access to the Marhaba Lounges in Dubai is provided by MasterCard to Emirates Citi Platinum cardholders and is subject to the terms and conditions specified by MasterCard and Marhaba at mastercard.com/ae/personal/en/promotions/dubai_airport.html

^3. Chauffeur-driven transfers to and from Australian airports to an Emirates flight is restricted to once per annum on purchasing an Emirates flight with your Emirates Citi Platinum Card, trans-Tasman flights and group bookings are excluded. Chauffeur-drive is provided by Emirates and their authorized third parties to Emirates Citi Platinum Cardholders. Citi accepts no liability for this service. For full terms and conditions, please visit www.emirates.com/au. The Emirates Citi Platinum cardholder must be travelling on the booked flight to be eligible for the free chauffer drive service.

^4. The 2.9% p.a. interest rate applies to balance transfers with this offer for a period of 12 months. Transferred balances are repaid first. At the end of the balance transfer offer period your interest rate will revert to the Cash Advance Emirates Citi Platinum card interest rate currently 20.74% p.a. The Emirates Citi Clear Platinum Card current standard variable rate is 20.74% p.a. on retail purchases. Interest rates are variable subject to change and Citibank's Credit Criteria. Interest rates last updated 01/06/2010.

^5. For full terms and conditions on Skywards and service partners, please visit skywards.com.

^6. International Travel, Travel Accident, Extended Warranty and Purchase Cover Insurance are underwritten by Zurich Australia Insurance ABN 13 000 296 640 AFSL No. 232507 and are subject to the Terms and Conditions and exclusions contained in the Policy of Insurance.

^7. Concierge Services- you will be informed of the cost and options, if available, before any booking or purchase is made for you. Concierge Services will not incur costs on your behalf unless your prior consent has been received. Any ticket purchases once authorised and confirmed by you will be deemed as non-refundable on non-exchangeable items.

^8. 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.