Citigold

Transaction and Savings Accounts

No monthly fee on selected transaction and savings accounts¹.

Citigold Emergency Healthcare Service*

As a Citigold client, you now have access to International SOS, the world's leading provider for medical assistance. Should you require medical help while travelling internationally, you will have around-the-clock support in more than 70 countries around the world. You will have your very own personal, medical, and safety assistance advisor for emergencies, as well as routine advice when outside your home country. Reach out to International SOS if you need a routine referral, lose your medication, or have a medical crisis. International SOS is here to help and ensure you get what you need anytime, anywhere. Visit www.internationalsos.com or call International SOS on +612 9372 2468 and quote reference number 021100A.

Citigold Global Banking

Citigold Debit or Visa Debit Card

Dedicated Citigold hotline

Terms & Conditions

This is general advice only. This advice was prepared without taking into account your objectives, financial situation or needs, so before acting on it, you should consider the appropriateness of the advice having regard to your own situation. We recommend you seek professional advice on your personal circumstances before acting on the information contained in this material. Please note the products listed are not available to US persons and may not be available in all jurisdictions. You should base your decision to invest in any of the products described based on the Product Disclosure Statements (PDS), available online or from a Citibank branch. Investments are subject to risk, including possible delays in repayment, loss of income and principal and may decrease in value as well as increase in value. Investments are not a deposit with, liability of, or guaranteed by Citigroup Pty Limited, Citibank, NA, Citigroup, Inc, nor their related entities. *International SOS is not a Citi company. The referral services provided through International SOS are at no charge; however, you are responsible for any costs associated with medical services or evacuation services. Please call the Citigold hotline for more information 1800 168 168.

1. Citibank reserves the right to change any fees and charges and will notify you in the manner required by the Code of Banking Practice. Terms and Conditions apply. Monthly account keeping fees are waived on Citibank Plus, Cash Management Account, Citibank Investment Account, Citicash or Citicheque Accounts. Citibank Investment Account, Citicash and Citicheque accounts are closed to new customers. Please read the relevant Product Features and Terms and Conditions, available online or from a Citibank branch for more information.

2. Your annual fees for the Citibank Platinum credit card (normally $250 for the primary card and $90 for each additional card) are waived, and your annual fee for the Citibank Select credit card (normally $700) is reduced to $350, while you maintain your Citigold status. As a Citigold client, you are entitled to a fee reduction for only one credit card account, which could be either a Select credit card or a Platinum credit card. Any other credit card accounts you apply and get approved for will not be eligible for these Citigold fee reduction offers. Not to be combined with any other offer. Credit criteria apply.

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, Extended Warranty Insurance are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at www.citibank.com.au.

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

6. All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Cash advances do not earn Reward points. Reward points never expire while the card remains open. There are two rewards programs available. Unless you choose the Citi Qantas Rewards Program, you will automatically be enrolled in the Citi Rewards Program. Under the Citibank Rewards program you will earn two Citibank reward points for every $1 spent. This offer is not available to customers enrolled in the Citi Qantas Rewards Program.

7. Citibank Select provides you with exclusive access to the Visa Signature Bespoke Event Program. The program overall, enrolment in the program and purchases of tickets to events are managed through Visa. Each event will be subject to separate terms and conditions.

8. One complimentary Priority Pass membership for the primary card holder is a special feature of Citibank Select. The primary card holder is entitled to unlimited visits to Priority Pass™ lounges and may bring one guest per visit. Any additional guests will be charged directly by the lounge. The membership is subject to the Priority Pass™ Conditions of Use available at www.prioritypass.com. Once you have activated your Citibank Select card please allow up to 15 working days for your Priority Pass™ card to arrive in the mail. Please note there is currently no Priority Pass lounge at Sydney International Airport.

9. 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 only open to Citibank Rewards Credit Cards, Citibank Gold, Citibank Select and CitiBusiness cardholders participating in Citibank's standard rewards program. It is not available to cardholders who enrol in airline frequent flyer direct earn rewards programs. Under Citibank's dining program, in addition to the 4 points earned for each dollar spent, the cardholder is entitled to receive a gift of a selected bottle of wine when using their Citibank Platinum or Select card to pay for their restaurant bill. This offer is available only at participating Bonus Partner restaurants for dine in customers who order a minimum of a main course and is limited to one free bottle of wine per booking. Split bills are not permitted. Citibank cardholders must request the complimentary bottle of wine at the time of ordering. The complimentary 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 complimentary 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. Points are earned, allocated, redeemed, forfeited or cancelled by eligible cardholders in accordance with the Citibank Rewards Program Terms and Conditions.

10. Preferential pricing is available to all new mortgage customers where a mortgage is established direct via a Citibank Mortgage Specialist from a Citibank Branch. Offer applies to Mortgage Plus and Basic loans. Offer does not apply to existing Citibank mortgage customers. Offer is subject to Citibank credit criteria. Terms and conditions apply and are available on request. Fees and charges apply.

11. Offer does not apply to advertised Term Deposit Specials.

12. Applies to Foreign Exchange transactions for amounts greater than A$20,000.

13. Free international transfers available from Citibank Australia accounts to select Citibank accounts in over 25 countries worldwide using Citibank Global Transfers. Daily transfer limit applies. Funds are converted to the destination account currency at the exchange rate specified to you on Citibank Online before you confirm your transaction. This exchange rate includes a commission for the conversion service. When sending a Citibank Global Transfer to Australia, the overseas Citibank may charge a transfer fee. Please check with the local Citibank you are transferring from before sending. Citibank Global Transfers are available from all Australian Dollar accounts with access to Citibank Online, excluding Term Deposits and Citibank Online Saver. Global Transfers to Citibank Colombia are not instantaneous due to local regulations.

14. Only available in certain countries.

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