X Close Transferring balances from one credit card to another, usually to take advantage of a lower interest rate. Transfers are limited to the available credit on the receiving card.

Home Banking Credit Cards Mortgages Insurance Citibank Platinum Card Citibank Clear Platinum Emirates Citibank Platinum Card     Your Emirates Citibank Platinum Card brings the world closer, sooner   The Emirates Citibank Platinum Card is the perfect companion for every world traveller.   Awarded a 5 star CANSTAR CANNEX rating for Outstanding Value^ - this card is packed with premium travel rewards and complimentary benefits.   Apply now and new cardholders can take advantage of our special introductory offer 15,000 bonus Skywards Miles1.   You'll receive a generous earn rate of 1.5 Skywards Miles per $1 spent, plus enjoy the convenience of having the Miles automatically transferred into your Skywards account each month2.   Enjoy additional benefits, such as complimentary Emirates lounge access3, complimentary Emirates chauffeur-drive to and from the airport4 and complimentary Insurance benefits5.   Plus, enjoy a free bottle of award winning wine every time you dine at partner restaurants, with Citibank's Dining Program6. Apply Now Suitable if you'd like: Luxury   One complimentary chauffeur driven ride per year to and from the airport when flying Emirates4 One complimentary lounge pass (for two) per year for any Emirates Lounge in Australia when flying Emirates3 Complimentary access to the Marhaba Airport Lounge in Dubai7 Flexibility   Freedom to redeem Skywards Miles on flights with Emirates and their partner airlines, as well as at affiliated hotels, car rental businesses and luxury merchandise from The Emirates High Street8 Best in class offer   Receive 15,000 bonus Skywards Miles1 when you first spend on your card Enjoy 1.5 Skywards Miles per $1 spent with you Miles automatically transferred to your Skywards account each month3 Enjoy a free bottle of award winning wine every time you dine at partner restaurants, with Citibank's Dining Program6 Complimentary International Travel Insurance and Transit Accident Insurance5 3.9% p.a. for 9 months on balance transfers9, reverts to the Cash Advance rate thereafter Platinum Concierge to provide you with information and assistance for both business and pleasure from anywhere in the world, 24 hours a day, 7 days a week Up to 25% off at various retail outlets with Citibank World Privileges10. Flexibility Balance Transfer Rate   3.9% p.a. for 9 months9. Cash advance rate after 9 months. Retail Purchase Rate   20.99% p.a. Cash Advance Rate 21.24% p.a. Interest Free Period   Up to 55 days interest free11 Maximum Credit Limit   $100,00012 Annual Fee   $229 Supplementary Fee $90 Qualification Minimum Income Requirement $35,000 p.a. Minimum Age 18 Additional Cardholders Up to 4 Additional Cardholder Minimum Age 16 Manage your Account Accessibility Citibank Online Mobile Banking CitiPhone banking ATM   EFTPOS Australia Post   Over the counter   MasterCard PayPass   Worldwide acceptance at over 22 million locations Online budgeting tool Track your expenses and control your finances with our online budgeting tool Citi Alerts Track your account activity with free SMS and email alerts Payment Methods Citibank Online   Automatic Direct Debit (Easi-Pay) Funds transfer BPAY CitiPhone Banking Australia Post Statement Frequency Monthly Statement Delivery Online e-Statements or by mail For more information on the fees and charges involved with any Citibank Credit Card, click here to view the Citibank Fees and Charges To find out how interest is calculated and charged, download Your guide to understanding interest on your Citibank Credit Card (Adobe PDF, 77.6kb). Rewards Citi Miles Program2   1.5 Citi Miles per $1 spent on retail purchases (automatically converted into Skywards Miles and transferred to your Skywards account) Skywards Frequent Flyer   1.5 Citi Miles = 1.5 Skywards Miles Privileges Citibank Dining Program6 Enjoy a free bottle of award winning wine every time you dine at partner restaurants, with Citibank's Dining Program Citibank World Privileges10 Get up to 25% off special offers through Citibank World Privileges Personal 24 Hour Concierge Services   Yes, please call 1800 460 743 Special Offers and Discounts with MasterCard Privileges and Priceless Sydney13 Indulge in a large range of local and global experiences across dining, travel, retail and entertainment, with offers handpicked for MasterCard Platinum Cardholders. Security Digital Signature No Fraudshield®   Yes Peace of mind Complimentary International Travel Insurance5   Yes Complimentary Transit Accident Insurance5   Yes Complimentary Purchase Cover Insurance5   $200,000 Complimentary Extended Warranty Insurance5   Yes Complimentary Guaranteed Pricing Scheme5   Yes Emergency card replacement Yes 24/7 Customer Service Yes Read more about our insurance products Applying for a Citibank Credit Card is simple. The application process should take less than 10 minutes to complete if you have all your personal information ready. You will receive a response in 60 seconds after submitting the form. To be eligible, you must meet the following criteria   Have a good credit rating. Earn taxable income of $35,000 per year or more. Are a permanent Australian resident. If you are an existing Citibank Credit Cardholder, you must have held your current Citibank account for at least 9 months before you can apply for another Credit Card. Please note that if you do not satisfy all these criteria, we apologise, but you will not be eligible for an Emirates Citibank Platinum Card at this time. Information required when applying online   Your personal details Your contact details Driver's licence number (if you have one) Current residential status (and previous residential details if you have been at your current address for less than 3 years) If renting or boarding, your landlord or real estate agent's details Contact details of a relative or friend not living with you Your financial position Your employer's address and switch telephone number (as listed in the White Pages) Annual and monthly income (before and after tax) Contact details for your accountant if self-employed The value of your home and car, if applicable, and any other assets Types and amounts of other income (e.g. rental income) Details of your main expenses, including the current balances owing on your Credit Cards, loans and investment mortgages If you plan to transfer a balance from another financial institution, please provide us with key details of that account, including: the name the account's held in; the type of card/account; the card/account number; the amount to be transferred and the issuing organisation's name and address. Speed-up your Credit Card application   To streamline approval, ensure you give us a contact phone number that we can call you on easily. You can also contact your payroll department (or accountant if you're self-employed) in advance to ensure they're ready and willing to confirm your income details when we call for verification. Check your application status online   Once you've submitted your online application, you'll receive a confirmation email containing your 9-digit Application Reference Number, which you can use to check the status of your application online What is the Citi Miles Program?   The Citi Miles Program is a rewards program offered by Citibank for Emirates Citibank Platinum cardholders, where 1.5 Citi Miles are earned for every $1 spent on retail purchases (up to 150,000 miles per annum from the date of application). The Citi Miles are automatically transferred to your Skywards account at the end of each statement cycle, becoming Skywards Miles (1 Citi Mile =1 Skywards Mile). Once transferred, the Skywards Miles can be used to redeem flights (domestic or international on Emirates and its partner airlines), hotels stays or products from The Emirates High Street. Citi Miles Program FAQ How are my Citi and Skywards Miles earned and transferred?   At the end of your statement cycle, the number of Miles earned from retail purchases are calculated using the conversion rate of 1.5 Citi Miles for each $1 spent. The Citi Miles earned will be transferred into Skywards Miles and credited to your Skywards account within 15 days after the close of the statement cycle. Citi Miles can only be transferred at the end of your statement cycle. Is Skywards membership required?   Yes. In order for Citi to transfer Skywards Miles to your Skywards account, you must provide us with your Skywards membership number either on your application form when applying for your Emirates Citibank Platinum Card or by calling Citiphone on 1800-460-743. To apply for Skywards membership or to view the full terms and conditions, please visit www.skywards.com. Membership is free. If there are additional cardholders on my account, who receives the additional Skywards Miles?   Skywards Miles may only be transferred to the primary cardholder's Skywards account regardless of who purchased the retail transactions. What can Skywards Miles be redeemed for?   Skywards Miles can be redeemed for International flights Emirates offers direct flights to many cities across Asia, Europe and New Zealand, including flying to 22 destinations in Europe from Australia (6 of these within the UK). Redemption rates are highly competitive versus other airlines. Please visit http://www.skywards.com/Mileage_Calculator.aspx to view the redemption rates for Emirates flights. In addition, Skywards Miles can also be used to redeem for international flights with other Skywards partners. For more details, please visit www.skywards.com Hotels and tours Skywards Miles can also be redeemed with hotels, car rentals and other leisure and lifestyle partners. The Emirates High Street4 The Emirates High Street is an exciting new offering that allows Skywards members to use their Skywards Miles to purchase products and once-in-a-lifetime experiences. There is something for everyone - from Lego toys for the kids, to a Frauscher Motor Yacht for yourself. What's more, purchases can be delivered to any one of more than 60 countries across the globe. For added convenience, you can make purchases using Skywards Miles, cash (with your Emirates Citibank Platinum Card) or a combination of Miles and cash Simply visit www.emirateshighstreet.com to see what's on offer. If you don't have online access, you can call 1300 766 116 for help with your purchase. How do I redeem with my Skywards Miles?   Flights, Hotels and Tours To redeem your Skywards Miles log onto your Skywards account at www.skywards.com and follow the instructions. The Emirates High Street Visit The Emirates High Street website at www.emirateshighstreet.com. View the products on offer and choose the one you would like. To choose payment options (cash, cash plus Miles, Miles only) click the "calculate" link which will appear next to each product's photo and also on the screen when you click "add to shopping cart". If you opt to use cash plus Miles or Miles only, when you check out, the website will prompt you to enter your Skywards membership number and the applicable Skywards Miles will be deducted from your Skywards account as payment. For all other queries relating to Skywards, please call the Service Centre on 1300 555 551 What are the special features9 of the card?   The special features of the card include Emirates Lounge access, chauffeur-driven transfers and access to the Marhaba Lounge. How do I access Emirates Lounges in Australia?   Each Emirates Citibank Platinum Cardholder is automatically provided one complimentary Emirates Lounge Voucher per year for the Primary Cardholder and one guest to access any Emirates Lounge in Australia when travelling on the same Emirates flight that you have purchased with your Emirates Citibank Platinum card. Entry to the Emirates Lounge in Australia prior to your Emirates flight will be granted upon presentation of a valid voucher for the Cardholder and their guest. Emirates Lounges are administered by Emirates and/or third parties for Emirates. How do I book the chauffeur-driven transfer?   Chauffeur-driven transfers to and from Australian airports for Emirates Citibank customers travelling in economy class on an Emirates flight is restricted to once per annum on purchasing an Emirates long-haul flight with your Emirates Citibank Platinum Card. Maximum capacity per car is 2 adults, with total luggage limit of two suitcases plus one carry-on bag. Additional charges apply if a larger vehicle or infant car seat is required. Excludes Trans Tasman flights, Skywards Miles redemption tickets, travel industry tickets and group bookings. Mileage restrictions apply for details visit www.emirates.com/au. This service must be booked at least 72 hours prior to departure by calling Emirates on  1300 303 777. The Emirates Citibank Platinum Cardholder must be travelling on the booked flight to be eligible for the complimentary chauffer drive service. Chauffeur-drive is provided by Emirates and their authorised third parties to Emirates Citibank Platinum Cardholders. Citibank accepts no liability for this service. How do I gain entry to the Marhaba Lounge in Dubai?   Complimentary access to the Marhaba Lounge in Dubai Airport (Up to four hours, charges may apply for additional hours) is provided  by MasterCard to Emirates Citibank Platinum Cardholders. upon presentation at the lounge of their Emirates Citibank Platinum Card, and is subject to the Marhaba Lounge's conditions of use. For more information on Marhaba lounge, go to www.marhabaservices.com Can I use Citibank or Skywards Miles to redeem for items from the Citibank Rewards Program?   No, the Citi Miles Program and the Citibank Rewards Program are two separate programs. Skywards Miles, Citi Miles and Citibank Reward Points are not combinable or transferable. Apply Now About Emirates Emirates currently operates 70 flights per week from four cities in Australia to Dubai - Sydney, Melbourne, Brisbane and Perth. As one of the fastest growing airlines in the world, Emirates now flies to over 120 destinations worldwide across six continents including New Zealand, Asia, the Middle East and over 30 destinations in Europe. With one of the youngest fleets in the sky, Emirates is among the most technologically advanced and environmentally friendly airlines. Complementing this modern fleet is a highly trained, international cabin crew, delivering a service that is designed to pamper you from the moment your journey begins. To learn more about Emirates, please visit the Emirates website at emirates.com/au   About Skywards Skywards, the award-winning frequent flyer programme from Emirates, offers three tiers of membership - Blue, Silver and Gold -with each membership tier providing exclusive privileges. Skywards Miles are earned when flying Emirates or any of its partner airlines, on retail purchases on your Emirates Citibank Platinum Card and when transacting with other Skywards partners. Skywards Miles can be redeemed for an amazing range of rewards. Skywards redemption rates for flights include: New Zealand from 25,000 Skywards Miles Southeast Asia from 45,000 Skywards Miles and Europe from 95,000 Skywards Miles Launched in 2000, Skywards continues to attract new members extending its membership base to over six million members in more than 200 countries worldwide. To learn more about the Skywards, and to apply for membership, please visit Skywards' website at www.skywards.com. Membership is free. Fees and charges apply. Terms and conditions apply and are available upon request. Fees and charges apply. Terms and Conditions apply and are available upon request. Credit criteria apply. ^ The Emirates Citibank Platinum Card was awarded CANSTAR 5 star Outstanding Value in the Big Spender category in 2012. For the Emirates Citibank Platinum Card, you will be charged an Annual Primary Cardholder Fee of $229, and an Annual Additional Cardholder Fee of $90 for each Additional Emirates Citibank Platinum Card. Please allow up to 15 days to process your Application subject to verification. Offer ends 30 June 2013. 1. To be eligible for the 15,000 bonus Skywards Miles, you must apply for your Emirates Citibank Platinum Credit Card before 30 June 2013 and spend on your card before 30 September 2013. Cash advances, balance transfers and special promotions are excluded from this offer. Up to 150,000 Miles can be earned per annum on the card (from the date of account approval). A Cardholder must provide their Skywards membership number to Citibank in order for the Skyward Miles transfer to occur. 2. An Emirates Citibank Platinum cardholder must be a member of Skywards Frequent Flyer Program to earn Skywards Miles. Membership is free and subject to Skywards terms and conditions. Cash Advances, Balance Transfers and Special Promotions are excluded from this offer. 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. A Cardholder must provide their Skywards membership number to Citibank in order for the Skyward Miles transfer to occur. Miles are transferred to Cardholder's Skywards account at the end of each statement cycle. Please allow up to 15 days from the end of your statement cycle for miles to be credited into your Skywards account. 3. Each Emirates Citibank Platinum Cardholder is automatically provided one complimentary Emirates Lounge Voucher per year for the Primary Cardholder and one guest to access any Emirates Lounge in Australia when travelling on the same Emirates flight that you have purchased with your Emirates Citibank Platinum card. Entry to the Emirates Lounge in Australia prior to your Emirates flight will be granted upon presentation of a valid voucher for the Cardholder and his/her guest. The guest voucher can be used for one accompanying adult or one child only. Additional guest entry will not be permitted. Emirates Lounges are administered by Emirates and/or third parties for Emirates. Citibank accepts no liability for this benefit. 4. Chauffeur-driven transfers to and from Australian airports for Emirates Citibank customers travelling in Economy Class on an Emirates flight is restricted to once per calendar year on purchasing an Emirates long-haul flight with your Emirates Citibank Platinum Card by the primary card holder. Maximum capacity per car is two adults, with total luggage limit of two suitcases plus one carry-on bag per adult. Additional charges apply if a larger vehicle or infant car seat is required. Excludes flights to New Zealand, Skywards Miles redemption tickets, travel industry tickets and group bookings. Mileage restrictions apply for details visit www.emirates.com/au. This service must be booked at least 72 hours prior to departure by calling Emirates on 1300 303 777. The Emirates Citibank Platinum Cardholder must be travelling on the booked flight to be eligible for the complimentary Chauffer-drive service. Chauffeur-drive is provided by Emirates and their authorised third parties to Emirates Citibank Platinum Cardholders. Citibank accepts no liability for this service. 5. International Travel Insurance, Extended Warranty Insurance, Transit Accident Insurance, Purchase Cover and Guaranteed Pricing Scheme 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/complimentaryinsurance. An excess applies to Purchase Cover Insurance. 6. 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 open to Citibank cardholders. The cardholder is entitled to receive a gift of a selected bottle of wine when using their Citibank credit or debit card to pay for their restaurant bill. This offer is available only at participating partner restaurants for dine-in customers who order a minimum of a main course per person or spend over $50 in participating yum cha restaurants, and is limited to one free bottle of wine per booking. Split bills are not permitted. The free bottle of wine must be requested at the time of ordering. The free 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 free 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. Program not to be used in conjunction with any other offer. 7. Complimentary access to the Marhaba Lounge in Dubai Airport (Up to four hours, charges may apply for additional hours) is provided by MasterCard to Emirates Citibank Platinum Cardholders upon presentation at the lounge of their Emirates Citibank Platinum Card, and is subject to the Marhaba Lounge's conditions of use. Citi accepts no liability for this benefit. For more information on Marhaba lounge, go to www.marhabaservices.com 8. The Emirates High Street is a rewards program offered by Emirates and subject to the terms and conditions specified by Emirates. For more information, please visit www.emirateshighstreet.com 9. Your total balance transfers may not exceed 80% of your credit limit. The 3.9% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 9 months. The 9 month promotional period commences once balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Annual Percentage Rate for Cash Advances, currently 21.24% p.a. The current Annual Percentage Rate for retail purchases is 20.99% p.a. Interest rates are variable and subject to change. The interest rates are current as at 1 April 2013. Current Citibank Credit Cardholders are not eligible to apply for this introductory offer. 10. World privilege payment must be made using a Citibank Credit Card. Up to 25% discount on Dining and Shopping available at participating outlets. 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 www.citiworldprivileges.com/au/ for up-to-date offer details. 11. The maximum 55 days interest free period applies when you pay your balance off in full for two consecutive months. If you carry a balance on your credit card from month to month, the 55 days interest free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers. 12. Actual credit limit will be assigned based on our credit criteria, your credit rating, and subject to confirmation that you earn a minimum of $35,000 per year. Credit limit is up to $30,000 at point of initial approval. Over time, you may apply to increase your credit limit up to $100,000, if you satisfy our credit criteria. 13. Exclusive offers and discounts supplied by MasterCard. Visit mastercard.com.au/privileges or PricelessSydney.com.au for details. 14. Based on redemption rates as of April 2012 for a return Economy Class, Skywards Saver Reward flight, excluding taxes from Australia (East). © 2013 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. ("Citibank") is the credit provider and issuer of the Emirates Citibank Platinum Card ("Credit Card"). citigroup.com Terms & Conditions Privacy Security Careers Contact Us Site Map Citi.com is the global source of information about and access to financial services provided by the Citigroup family of companies. Copyright © 2013 Citigroup Inc.