To access the full Terms and Conditions related to this product, click here.

Fees and charges apply. Credit Criteria apply. New cards customers only and cannot be used in conjunction with any other offers. Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $150,000 per year and your credit rating. Terms and conditions apply and are available upon request.

1. To earn 150,000 bonus Citi reward Points, you must apply for a Citi Prestige Card by 31 March 2020, then spend $5,000 on your Citi Prestige Card within 90 days of approval. Cash Advances, Balance Transfers, Refunds, Chargebacks, Special Promotions and spend on a Linked Diners Club Card do not contribute to the spend threshold. The bonus Citi reward Points will be credited within 6 - 8 weeks of meeting the spend criteria. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. Points do not expire while the card remains open and in good standing. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. This offer is valid until 31 March 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

2. 4th night free benefit is capped at 4 redemptions until 31 December 2020. 4th night free is a Special Feature of the Citi Prestige Card. Valid for Citi Prestige Primary Cardholders only. A minimum of 4 consecutive nights' stay is required in order to enjoy one night on a complimentary basis. There are no credits for any unused free nights if the guest checks out early. Only one complimentary night is allowed per Citi Prestige Primary Cardholder per room per booking. To qualify for the complimentary night, booking for the services must be made at least 48 hours prior to commencement of stay, and the cardholder who booked the stay must be one of the paying guests. Complimentary night must be utilised during the same stay as the purchased nights; purchased and complimentary nights must be of the same room types. Back-to-back stays are not allowed. Back-to-back stays are stays at the same city/state booked on two reservations (as an example, you book four nights at a hotel on one reservation for Monday, Tuesday, Wednesday and Thursday and book another four nights on another reservation for Friday, Saturday, Sunday and Monday. In this situation, you would only be eligible for one complimentary night for the 8-night stay). Please refer to the full Terms and Conditions for further information.

3. One complimentary Priority Pass™ Membership, with unlimited lounge visits, for the primary cardholder is a Special Feature of the Citi Prestige Card. Citi Prestige Cardholders must enrol for the Priority Pass Standard Membership at www.prioritypass.com/citiprestigeaus by 31 December 2020. The primary cardholder may bring one guest per visit. Any additional guests will be charged directly by the lounge. Once you have enrolled, please allow up to 15 working days for your Priority Pass card to arrive in the mail. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass is available at Brisbane Domestic and International, Melbourne Domestic and International, Sydney Domestic and International, Gold Coast Domestic, Adelaide Domestic and Darwin International airports™. Conditions of Use please refer to www.prioritypass.com.

4. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. The Citi Prestige Card earns 3 Points per $1 on eligible International Spend and for selected purchases made and booked directly from a range of major restaurants and restaurant chains, major hotel chains, major travel agencies, major travel aggregators and flights directly booked with major airlines. 2 Points per $1 for selected purchases made at major petrol outlets, major supermarkets and major national retailers. 1 Point per $1 spent everywhere else on Eligible Transactions. Domestic Spend and International Spend means any Eligible Transaction made with a merchant who respectively tells us they are located within Australia or outside Australia. Please click hereclick here for the full definition of Eligible Transactions. Please note purchases not ordered or booked directly from the restaurant (e.g. through a delivery company) are not included in the higher earn rate. Please note that whether or not a purchase is eligible to earn Points and how many (e.g. whether the merchant is a "major restaurant") will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). If, for example, a restaurant is not classified as a restaurant by the card scheme, it will not be treated as a "major restaurant" for calculating Points. Points do not expire while the card remains open and in good standing.

5. You must be a member of the Airline, Hotel and Other Loyalty Program in which you wish to claim Airline, Hotel and Other Loyalty Points and have advised us of your airline and hotel loyalty program membership number prior to any such redemption. Membership of an airline and hotel loyalty program will be subject to the terms and conditions of that program. Airline, Hotel and Other Loyalty Points may take up to 28 business days to appear in your Airline, Hotel and Other Loyalty Program membership account.

6. Gift cards are only redeemable using Points via www.citirewards.com. The number of Points required to redeem gift cards may vary at the time of redemption. Gift cards are non-reloadable or redeemable for cash. Information accurate as of 17 December 2019.

7. Separate Diners Club Terms and Conditions apply to a Linked Diners Club Card as it is a separate credit facility from Diners Club that is paid through your Citi Credit Card. Eligibility criteria apply including that you must be approved for an account that is eligible for a Linked Diners Club Card. Diners Club has appointed Citi to administer the Linked Diners Club Card. Any credit balance on the Linked Diners Club Card is not a deposit liability of Citi, or any other affiliate of Citi, is not a protected account and is not guaranteed.

8. All rewards on your Linked Diners Club Card are subject to the Terms and Conditions of the Citibank Rewards Program and the Linked Diners Club Card Extra Terms Part 3. Eligible Transaction is defined in the Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, government related transactions and all other transactions set out within the definition. Please click hereclick here for the full definition of Eligible Transactions. Points do not expire while the card remains open and in good standing.

9. Pay with Points is available on eligible purchases. An eligible purchase means an Eligible Transaction that you use Pay with Points within 60 days of the Transaction Date. Eligible Transaction is defined in the Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, government related transactions and all other transactions set out within the definitiondefinition.

10. Luxury Airport Transfer Service is a special feature of the Citi Prestige Card valid from 1 January until 31 December 2020. The primary cardholder is entitled to one complimentary one-way airport transfer service up to $100 for trips to and from the airports at selected cities in Australia. Additional charges will be incurred for extra stops, cancellation/amendment fees and waiting time charges, which will all be borne by the cardholder. Luxury airport transfer imposes limits on the number of passengers per car and/or the number of pieces of luggage per passenger. Any charges above the $100 allowance are to be borne by the cardholder. Any unused amount will be forfeited. This will be advised at the time of booking. All bookings are subject to availability. Booking for the services must be made at least 48 hours prior to commencement of travel. Please refer to the full Terms and Conditions for further information.

11. Complimentary insurance covers are subject to eligibility requirements: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 of Level 16, 310 Ann Street, Brisbane, QLD 4000 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street, Sydney NSW 2000 has issued an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) of 2-26 Park Street, Sydney NSW 2000 which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Insurance Terms and Conditions which may be amended from time to time. Citi does not guarantee this insurance.

12. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 6 months. The 6 month promotional period commences once the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.24% p.a. This offer excludes balances transferred from Citibank unsecured credit products. Please note you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. For important information to consider before taking up a balance transfer, please click here. This offer is valid until  31 March 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

13. Apple Pay works with iPhone 6 and later in stores, in selected apps, and on participating websites in Safari; with Apple Watch in stores and selected apps (requires iPhone 6 or later); with iPad Pro, iPad (5th generation), iPad Air 2, and iPad mini 3 and later in selected apps and on participating websites in Safari; and with Mac (2012 or later) on participating websites in Safari with an Apple Pay–enabled iPhone or Apple Watch. For a list of compatible Apple Pay devices, see support.apple.com/en-au/km207105. You can use Apple Pay in stores/merchants wherever NFC contactless payment is accepted. For certain merchant terminals, a transaction limit may apply. You can also make in-app purchases and websites in Safari where Apple Pay is available as a payment option. Terms and conditions apply to the use of Apple Pay. Apple, the Apple logo, Apple Pay, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.

14. Citi Instalment Plans are defined in the Credit Card Terms and Conditions as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing. Your Fixed Payment Option uses part of your existing credit limit. As you pay off your Fixed Payment Option, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. For the full terms and conditions of your Fixed Payment Option, please refer to the Credit Card Terms and Conditions and Other Important Information.

15. Payment must be made using a Citi Credit Card. Privileges cannot be used in conjunction with any other promotional programs or offers. Citi 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.

16. To earn 10,000 bonus Points, you must request a Linked Diners Club Card during your application process and then make your first spend on the Linked Diners Club Card within the first 90 days from the card approval. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. The bonus Points will be credited within 6 - 8 weeks of meeting the spend criteria. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program and the Linked Diners Club Card Extra Terms Part 3. This offer is valid until 31 December 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

17. No International Transaction Fee is only applicable for transactions made on your Linked Diners Club Card; including on the amounts transferred to your Citi Credit Card. If you make an international transaction using your Citi Credit Card, an International Transaction Fee will be charged (where applicable).