Why wait forever for loyalty points to add up? With Citibank Clear Platinum the benefits are there right from day one and every day after that. Give yourself a touch of prestige with the platinum card that offers you a low interest rate and instant rewards. Add to that an introductory rate of 0.99% p.a. on balance transfers for the first 6 months1 and Citibank Clear Platinum is your passport to a more rewarding lifestyle. Apply now to upgrade your benefits: A low 11.49% p.a. on purchases1 and a low annual fee of $99 p.a.2 Access to limited edition entertainment experiences through Visa Platinum Privileges3 Access to Visa Concierge that gets you anything at anytime4 Get up to 25% off5 on retail shopping, travel and dining through Citibank World Privileges Complimentary International Travel Insurance6 Optional Credit Card Insurance7- protection if you can't make your repayments. A low 11.49% p.a. on purchases1 and a low annual fee of $99 p.a.2 Citibank Clear Platinum is the smart choice. Access to limited edition entertainment experiences through Visa Platinum Privileges3 Specially selected premium offers from hotels, spa & wellness, retail and travel merchants for your enjoyment. Visit http://www.visaplatinum.com.au/ for details. Access to Visa Concierge that gets you anything at anytime4 The privilege and convenience of a personal concierge to help find you tickets, restaurants or gifts - worldwide and 24/7. Visit http://www.visaplatinum.com.au/ for details. Get up to 25% off5 on retail shopping, travel and dining through Citibank World Privileges Upgrade your life with access to exclusive discounts and other benefits for hotels, restaurants, shops and entertainment across Australia and around the world. Citibank World Privileges gets you discounts at over 40,000 retailers worldwide. Complimentary International Travel Insurance6 When you buy travel tickets with your Citibank Clear Platinum Credit Card you and your family are automatically covered for unexpected travel, medical expenses, trip cancellation, personal liability and loss or damage to personal items. Optional Credit Card Insurance7- protection if you can't make your repayments.

1. The 0.99% p.a. interest rate applies to balance transfers with this offer for a period of 6 months. Transferred balances are repaid first. At the end of the balance transfer offer period your interest rate will revert to the Cash Advance Clear Platinum card interest rate currently 21.24% p.a. The Clear Platinum Card current standard variable rate is 11.49% p.a. on retail purchases. Interest rates are variable subject to change and Citibank's Credit Criteria. Interest rates last updated 13/05/2010.

2. Subject to your acceptance you will be billed an annual account fee which is currently $99 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 www.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 Citibank Credit Cards. 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.

7. 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.

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