Citibank

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.

Terms and Conditions

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

^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 are restricted for Economy Class travellers to once per annum on purchasing an Economy Class ticket with the Emirates Citi Platinum Card. Distance limits apply. Trans-Tasman flights and group bookings are excluded. For full terms and conditions, please visit www.emirates.com/au.

^4. The 4.9% p.a. interest rate applies for the life of the balances transferred. Balances from an existing Citibank product can not be transferred under this promotional rate. Transferred balances will be repaid first. Any transactions made other than with this offer are at the standard Credit Card rate, currently at 19.99% p.a., which is variable and subject to change and Citibank's credit criteria. Interest rate last updated 8/12/2008.

^5. Skywards' Virgin Blue partnership commences 8th December 2008. 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. Interest charges will not be payable on retail purchases, fees, charges and expenses if you pay the closing balance in full, on, or before the payment due date of every statement. Additional terms and conditions apply, please refer to your Unsecured Revolving Credit Terms and Condition booklet.

^8. 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.