Bank of Queensland Platinum Credit Card

	Key Features:
	Special Offer 1.9% p.a. on balance trnasfers for the first 6 months with half annual fee for life ($99) Q Rewards® program Earn 2 Q Rewards Points for every $1 spent, points allow you to fly any airline any time4 and they never expire Concierge service Like having your very own personal assistant on hand 24 hours a day. Priority 24-hour customer service on dedicated Platinum card enquiries line. International travel insurance3 for everything from medical expenses to lost luggage Higher levels of Purchase Cover Insurance3 On most new items you're covered against loss, theft or damage for three months Extended Warranty Extended warranty on purchases made up to one year Interest Rates1 Purchase rate of 20.74% p.a. and cash advance rate of 21.74% p.a. $1,000 daily cash advance limit through ATMs

	Application Criteria
	You must be atleast 18 years of age at the time of application Must be an Australian Permanent Resident or Australian Citizen You must earn a minimum income of $35,000 p.a. Approval is subject to Bank of Queensland's credit criteria.

Terms & Conditions
This webpage is hosted by Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No. 238098 (Citigroup). All content contained on the website including any recommendation, suggestion or assistance is made by and is the responsibility of Citigroup. In any interaction on this webpage you are dealing directly with Citigroup, not Bank of Queensland Limited ABN 32 009 656 740 (BOQ).

Full product terms and conditions available at boq.com.au. Current BOQ Credit Cardholders and Home Loan Privilege Package account holders are not eligible to apply for this introductory offer. Fees and charges apply. Terms and conditions apply and are available upon request. Final approval of your application will be subject to satisfying Citigroup credit assessment criteria.

1. The promotional rate of 1.9% p.a. on the Platinum Visa card applies for six months on balances transferred with this offer. Transferred balances will be repaid first during this period. Outstanding transferred balances at the end of the promotional period will revert to the standard cash advance rate. To be eligible for the offer, you need to apply for the BOQ Platinum Visa card and balance transfer by 15 April 2012. Approved new customers only. Current BOQ Credit Cardholders and Home Loan Privilege Package account holders are not eligible to apply for this introductory offer. Six month promotional period commences once balance transfer is processed. Any transactions made other than balance transfers in connection with this offer are at the standard variable credit card rates, currently 20.74% p.a. for retail purchases and 21.74% p.a. for cash advances. Interest rates are variable and subject to change and Citigroup's credit criteria. Quoted interest rates are current as at 15 January 2011.

2. To be eligible for the half price annual fee offer on the BOQ Platinum Visa card, you must apply for and active your BOQ Platinum Visa card before 15 April 2012. Subject to your acceptance you will be billed an annual account fee of $99 for the life of the card.

3. Q Rewards® are subject to the Bank of Queensland Q Rewards® Terms and Conditions. Q Rewards® Points are not earned on cash advances. Q Rewards©® Points never expire while the card remains open.

4. International travel insurance and purchase cover 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.boq.com.au. An excess applies to Purchase Cover Insurance.

5. 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. There is no interest free period for cash advance or balance transfer.

Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No. 238098 (Citigroup) is the credit provider and issuer of Bank of Queensland Credit Cards (Credit Cards). Bank of Queensland Limited ABN 32 009 656 740 (BOQ) distributes the Credit Cards under an agreement with Citigroup. BOQ does not and will not guarantee or otherwise support Citigroup's obligations under the contracts or agreements connected with the Credit Cards. The words "we", "us" or "our" will generally read as a reference to Citigroup, but if the context requires these words to refer to BOQ, they will refer to BOQ undertaking relevant actions or making relevant decisions for or on behalf of Citigroup.