Terms and Conditions, Fees and charges apply and are available on request by dialling 1800 085 655.

Subject to your acceptance you will be billed an annual account fee which is currently $130 for the Primary CitiBusiness Card, and $30 for an Additional CitiBusiness card. Allow up to 15 working days to process your Application subject to verification.

1. The 2.9% p.a. interest rate only applies to balances transferred with this offer for a period of 12 months. Balances transferred are repaid before other cash advances and retail purchases. At the end of the balance transfer offer period your interest rate will revert to the Cash Advance CitiBusiness card interest rate currently 20.99% p.a. The CitiBusiness Card current standard variable rate is 19.99% p.a. on retail purchases. Interest rates are variable subject to change and Citibank's Credit Criteria. Interest rates last updated 18/11/2009.

2. Actual credit limit will be assigned based on Citibank credit criteria.

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 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.

© 2009 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098. Citibank, Citi, Citi never sleeps and Arc Design are registered service marks of Citigroup Inc.