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Citi Card Selector | 'Card details' Terms and Conditions

Citi Silver Card

Subject to your acceptance you will be billed an annual account fee which is currently $89 for the Primary Citi Silver card, and $15 for an Additional Citi Silver card. Allow up to 15 working days to process your Application subject to verification.

* The 2.9% p.a. interest rate applies to balance transfers with this offer for a period of 12 months. Transferred balances are repaid first. At the end of the balance transfer offer period your interest rate will revert to the Cash Advance Silver Card interest rate currently 20.99% p.a. The Silver Card current standard variable rate is 20.49% p.a. on retail purchases. Interest rates are variable subject to change and Citi's Credit Criteria. Interest rates last updated 15/12/2009

‡ 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.

** Citi World Privileges - payment must be made using a Citibank Credit Card. 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 worldprivileges.citibank.com for up to date offer details.

# Actual credit limit will be assigned based on Citibank's credit criteria subject to confirmation that you earn a minimum of $20,000 p.a. and subject to your credit rating. Credit limit is up to $7,500 at point of initiation. Over time, credit limit may increase up to $10,000, if you satisfy Citibank's credit criteria. Subject to your acceptance you will be billed an annual account fee which is currently $69 for the Primary Silver card, and $15 for an Additional Citi Silver card.

§ Purchase Cover is underwritten by Zurich Australia Insurance Ltd (ABN 13 000 296 640 AFSL No. 232507) and is subject to the Terms and Conditions and exclusions contained in the Policy of Insurance. Please refer to the Terms and Conditions sent to you at card opening for a full explanation of cover and exclusions. Please refer to the Terms and Conditions for a full explanation of cover and exclusions.

Citi Gold Card

Subject to your acceptance you will be billed an annual account fee which is currently $149 for the Primary Citi Gold card, and $30 for an Additional Citi Gold card. Allow up to 15 working days to process your Application subject to verification.

* The 2.9% p.a. interest rate applies to balance transfers with this offer for a period of 12 months. Transferred balances are repaid first. At the end of the balance transfer offer period your interest rate will revert to the Cash Advance Gold card interest rate currently 21.24% p.a. The Gold Card current standard variable rate is 20.74% p.a. on retail purchases. Interest rates are variable subject to change and Citibank's Credit Criteria. Interest rates last updated 13/05/2010

o Citi World Privileges - payment must be made using a Citibank Credit Card. 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 worldprivileges.citibank.com for up to date offer details.

# Actual credit limit will be assigned based on Citibank's credit criteria subject to confirmation that you earn a minimum of $35,000 p.a. and subject to your credit rating. Credit limit is up to $25,000 at point of initiation. Over time, credit limit may increase up to $60,000, if you satisfy Citibank's credit criteria.

† 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.

Citi Platinum Card

Subject to your acceptance you will be billed an annual account fee which is currently $250 for the Primary Citi Platinum card, and $90 for an Additional Citi Platinum card. Allow up to 15 working days to process your Application subject to verification.

# Actual credit limit will be assigned based on Citibank's credit criteria subject to confirmation that you earn a minimum of $50,000 p.a. and subject to your credit rating. Credit limit is up to $30,000 at point of initiation. Over time, credit limit may increase up to $100,000, if you satisfy Citibank's credit criteria. Interest rate last updated 01/12/2008.

* Citi Credit Cards are currently offering an introductory rate of 3.99% p.a. for 9 months on balance transfers. Transferred balances are repaid first. At the end of the balance transfer offer period your interest rate will revert to the Cash Advance Platinum card interest rate currently 21.24% p.a. The Platinum Card current standard variable rate is 20.74% p.a. on retail purchases. Interest rates are variable subject to change and Citi's Credit Criteria. Interest rates last updated 13/05/2010.

‡ Redemption of Platinum Rewards are subject to the Terms and Conditions of the Citi Platinum Rewards Program.

^ A Citibank Credit Cardholder must opt-in to Citi Qantas Rewards and be a member of the Qantas Frequent Flyer program to redeem Reward points for Qantas Frequent Flyer (QFF) points. The annual Citi Qantas Rewards fee is $49. Membership of Citi Qantas Rewards does not entitle a Citibank Credit Cardholder to membership of the Qantas Frequent Flyer program. This must be applied for separately with Qantas. A joining fee applies. Membership of the QFF program is subject to Qantas Frequent Flyer Terms and Conditions. Cardholders who opt-in to Citi Qantas Rewards will not have access to the awards offered in the Citi Rewards program. All Reward points earned will be automatically transferred to the Primary Cardholders QFF account each month.

Citi Clear Platinum Card

Terms and Conditions, Fees and Charges apply and are available at www.citibank.com.au

^ Subject to your acceptance you will be billed an annual fee which is currently $99 for the Primary Citibank Clear Platinum card, and $19 for an Additional Citibank Clear Platinum Card. Allow up to 15 days to process your Application subject to verification.

* The 1.9% p.a. interest rate applies to balance transfers with this offer for a period of 9 months. Transferred balances are repaid first. At the end of the balance transfer offer period your interest rate will revert to the Cash Advance Clear Platinum card interest rate currently 21.24% p.a. The Clear Platinum Card current standard variable rate is 11.49% p.a. on retail purchases. Interest rates are variable subject to change and Citibank's Credit Criteria. Interest rates last updated 13/05/2010.

> Exclusive Platinum Visa Entertainment Offers supplied by Visa. Visit www.visaplatinum.com.au for details.

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

º Citi World Privileges - payment must be made using a Citibank Credit Card. 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 worldprivileges.citibank.com for up to date offer details.

# Actual credit limit will be assigned based on Citibank's credit criteria subject to confirmation that you earn a minimum of $50,000 p.a.

+ Extended Warranty Insurance is underwritten by Zurich Australia Insurance Ltd (ABN 13 000 296 640 AFSL No. 232507) and is subject to the Terms and Conditions and exclusions contained in the Policy of Insurance. Please refer to the Terms and Conditions for a full explanation of cover and exclusions.

Emirates Citi Platinum Card

Subject to your acceptance you will be billed an annual account fee which is currently $229 for the Primary Emirates Citi Platinum Card, and $90 for an Additional Emirates Citi Platinum Card. Allow up to 15 working days to process your Application subject to verification.

# Actual credit limit will be assigned based on Citibank's credit criteria and subject to confirmation that you earn a minimum of $50,000 p.a. and your credit rating. Credit limit is up to $30,000 at point of initiation. Over time, credit limit may increase up to $100,000, if you satisfy Citibank's credit criteria.

* The 2.9% p.a. interest rate applies to balance transfers with this offer for a period of 12 months. Transferred balances are repaid first. At the end of the balance transfer offer period your interest rate will revert to the Cash Advance Emirates Citi Platinum card interest rate currently 20.74% p.a. The Emirates Citi Clear Platinum Card current standard variable rate is 20.74% p.a. on retail purchases. Interest rates are variable subject to change and Citibank's Credit Criteria. Interest rates last updated 01/06/2010

Benefits, Rewards and Special Features Terms and Conditions

1 Chauffeur-driven transfers to or from Australian airports to an Emirates flight is restricted to once per annum on purchasing an Emirates flight with your Emirates Citi Platinum Card, trans-Tasman flights and group bookings are excluded. Chauffeur-drive is provided by Emirates and their authorized third parties to Emirates Citi Platinum Cardholders. Citi accepts no liability for this service. For full terms and conditions, please visit www.emirates.com/au.

2 Emirates Lounges: Emirates Lounge access for the primary cardholder and guest is restricted to Australian airports once per annum on purchasing any Emirates class flight from Australia with your Emirates Citi Platinum Card. Emirates lounges are administered by Emirates and/or third parties for Emirates. Citi accepts no liability for this benefit. For additional terms and conditions, please visit www.emirates.com/au.

3 Marhaba Lounge: Access to the Marhaba Lounge in Dubai is provided by MasterCard to Emirates Citi Platinum Cardholders and is subject to the terms and conditions specified by MasterCard and Marhaba. Citi accepts no liability for this benefit. For additional terms and conditions, please visit http://www.mastercard.com/ae/personal/en/promotions/dubai_airport.html

4 An Emirates Citi Platinum cardholder must be a member of Skywards Frequent Flyer Programme to earn Skywards Miles. Membership is free and subject to Skywards terms and conditions. For new applicants, the 3 miles per dollar spend special promotion applies to Retail Purchases up to the value of 20,000 Miles. Cash Advances, Balance Transfers and Special Promotions are excluded from this offer. Cardholders must apply and earn up to 20,000 Miles or spend before the 31 March 2011 to be eligible for this offer. After the 20,000 Miles, 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 Citi 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.

CitiBusiness Gold Card

1. The 2.9% p.a. interest rate applies to balance transfers with this offer for a period of 12 months. Transferred balances are repaid first. At the end of the balance transfer offer period your interest rate will revert to the Cash Advance Silver Card interest rate currently 21.24% p.a. The Silver Card current standard variable rate is 20.74% p.a. on retail purchases. Interest rates are variable subject to change and Citi's Credit Criteria. Interest rates last updated 13/05/2010.

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 provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 233507 and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at www.citibank.com.au.

5. Subject to your acceptance you will be billed a $74 annual account fee in the first year. You will be billed an annual fee in the 2nd year which is currently $149 for the Primary CitiBusiness Gold card, and $30 for an Additional CitiBusiness Gold Card. Allow up to 15 days to process your Application subject to verification.

BP-Citi MasterCard

Subject to your acceptance you will be billed an annual account fee which is currently $79 for the Primary BP-Citibank MasterCard, and $30 for an Additional BP-Citibank MasterCard.

* The 2.9% p.a. interest rate applies only to balances transferred with this offer and applies for 12 months from account opening. Transferred balances will be repaid first. Any transactions made other than with this offer are at the standard Credit Card rate, currently 20.89% p.a., which is variable, subject to change and Citi's credit criteria. Interest rate last updated 29/03/2009.

‡ 5% cash back rebates with BP is limited per account to the first $600 you spend at participating outlets each Statement Period.

† All other Retail Purchases and bill payments (excluding purchases at any fuel outlet including BP) made using your Card will give you 0.5% cash back rebate on the first $5,000 spent on your Account during any monthly Statement Period from the date you are enrolled in the Rewards program. All cash back rebates will be automatically credited to your Account at the start of the next Statement Period. The cash back rebate amount earned in your monthly Statement Period (Eg. Nov 15-Dec 14) will be reflected in a cash back summary on that month's statement (Eg Dec statement). This cash back rebate will then be credited on the first day of the next Statement Period. (Eg. Dec 15). Accumulated benefits are forfeited if the account is suspended or closed.

# Actual credit limit will be assigned based on Citibank credit criteria subject to confirmation that you earn a minimum of $20,000 p.a. and subject to your credit rating. Credit limit is up to $25,000 at point of initiation.

Citi Clear Card

Subject to your acceptance you will be billed an annual account fee which is currently $65 for the Primary Citibank Clear card, and $19 for an Additional Citibank Clear card. Allow up to 15 working days to process your Application subject to verification.

* The 1.9% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 6 months. Transferred balances are repaid first. At the end of the balance transfer offer period your interest rate will revert to the Clear Card standard variable annual percentage rate for cash advances, currently 21.24% p.a. The current Clear Card standard variable annual percentage rate is 15.49% p.a. on retail purchases. Interest rates are variable, subject to change and Citi's Credit Criteria. Interest rates last updated 13/05/2010.

2 Actual credit limit will be assigned based on Citibank's credit criteria subject to confirmation that you earn a minimum of $20,000 p.a. and subject to your credit rating. Credit limit is up to $15,000 at point of initiation. Over time, credit limit may increase up to $20,000, if you satisfy Citibank's credit criteria.

3 Citibank World Privileges - payment must be made using a Citibank Credit Card. 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 worldprivileges.citibank.com for up to date offer details.

4 Exclusive Visa Entertainment Offers supplied by Visa. Visit www.visaentertainment.com.au for details.

5 CreditShield® is underwritten by MetLife Insurance Ltd (ABN 75 004 274 882 AFSL No. 238096) and is subject to the Terms and Conditions and exclusions contained in the Policy of Insurance.

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