Citi Select Credit Card - Apply Online

	Key Features:
	Select a Higher Level of Rewards With your Citi Select Credit Card you will earn 2 points per $1 spent, plus enjoy the benefit ofunlimited points that never expire1. Select Your Preferred Travel Partner Use your points to travel on your own terms with access to an expanded range of travel reward, airline and hotel partners2. The choice is yours. Select Lounge Access Wherever You Are Priority Pass™ membership gives you and your guest access to over 600 airport VIP lounges worldwide, regardless of your choice of airline or class of ticket or membership in an airline lounge program3 Select Access to Preferential Rates Receive a distinct financial advantage, enjoy preferential rates on Citibank home loans and term deposits, plus access to a Citigold Financial advisor4. Select the Best Seats in the House You'll have access to the finest luxury lifestyle experiences created and customised for Citi Select Cardholders through the Visa Signature Bespoke Event Program5. Balance Transfer Rate, Purchase Rate, Cash Advance Rate, Interest Free Days and Annual Fee Balance Transfers: 5.90% p.a. for 6 months 6 Purchase Rate: 20.74% p.a. Cash Advance Rate: 21.24% p.a. Interest Free Days: Up to 55 days interest-free7 Annual Fee: $700 Personal 24 Hour Concierge Services

	Credit Card Application Criteria:
	You must be at least 18 years of age You must have a Good Credit History You must be a Permanent Resident or Australian Citizen You must earn a Minimum Income of $120,000 a year or more

Terms and Conditions:
Fees and charges apply. Terms and conditions apply and are available upon request.
Subject to your acceptance you will be billed an annual account fee which is currently $700 for the Primary Citi Select Credit Card, and $0 for an Additional Citi Select Credit Card. Allow up to 15 working days to process your Application subject to verification.

1. There are two rewards programs available. Unless you choose the Citi Qantas Rewards Program, you will automatically be enrolled in the Citi Rewards program. Under the Citi Rewards program you will earn two rewards points for every $1 spent.
2. You must be a member of the Travel Reward, Airline and Hotel Loyalty Programs in which you wish to claim Travel Reward, Airline and Hotel Loyalty Points and have advised us of your Travel Reward, Airline and Hotel Loyalty Program membership number prior to any such redemption. If you are a member of the Travel Reward, Airline and Hotel Loyalty Programs, you are subject to the terms and conditions of the Travel Reward, Airline and Hotel Loyalty Programs.
3. One complimentary Priority Pass membership for the primary cardholder is a Special Feature of the Citi Select Credit Card. The primary cardholder is entitled to unlimited visits to Priority Pass lounges and may bring one guest per visit. Any additional guests will be charged directly by the lounge. The membership is subject to the Priority Pass Conditions of Use available at www.prioritypass.com. Once you have activated your Citi Select Credit Card please allow up to 15 working days for your Priority Pass card to arrive in the mail.
4. Available to the Citi Select primary cardholder for investments greater than $100,000 and only from a Citibank Relationship Manager. Deposit account is issued by Citigroup Pty Limited
ABN 88 004 325 080 AFSL No. 238098. Details on our dispute resolution process and terms and conditions that apply are available at www.citibank.com.au. Any advice is general. You should consider whether it is right for you.
5. The Citi Select Credit Card provides you with exclusive access to the Visa Signature Bespoke Event Program. The program overall, enrolment in the program and purchases of tickets to events are managed through Visa. Each event will be subject to separate terms and conditions.
6. Citi Credit Cards are currently offering an introductory rate of 4.9% p.a. for 12 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 Select card interest rate currently 21.24% p.a. The Select 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 1/10/2010.
7. The maximum 55 days interest free period applies when you pay your balance off in full for 2 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.

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