Citibank Clear Credit Card - Apply Online

	Key Features:
	Introductory Offer 6.9% p.a. on balance transfers for the first 6 months Special Offer and Privileges 3 When you're with Citibank, everyday experiences just seem to come with something extra. Discounts when you shop online, dine, hit the movies or a theme park, book hotel accommodation and much more. Plus there are the best seats in the house, up to 25% off wine and special benefits that make you feel privileged when you travel the world. Exclusive VISA Entertainment Offers 4 Open the VIP door with VISA entertainment to access the hottest tickets for movies, shows sports and travel. Account access anywhere, anytime You can now access your account anywhere, anytime via internet and phone. Generous Credit Limit 6 Your Citi Clear card gives you a higher credit limit so you have the purchasing power and financial flexibility you need. Balance Transfer Rate, Purchase Rate, Cash Advance Rate, Annual Fee and Interest Free Period Balance Transfer Rate: 6.9% p.a. for 6 months Purchase Rate: 15.99% p.a. Cash Advance Rate: 21.74% p.a. Annual Fee: $65 Interest Free Period: Up to 55 Days 5

	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 $25,000 p.a.

Terms & Conditions
1. The 6.9% 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 balance transfer is processed. Transferred balances are repaid first during this period before annual fees which attract interest at the retail purchases rate. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Citibank Clear Credit Card cash advance interest rate, currently 21.74% p.a. The current Citibank Clear Credit Card interest rate for retail purchases is
15.99% p.a. Interest rates are variable, subject to change and credit criteria. The interest rates are current as at 1 April 2012. This offer ends 30 June 2012.
2. Citibank's Dining Program is operated by Pinpoint Pty Ltd ABN 49 002 693 656 and Zenith Wine Agencies Pty Ltd ABN 66 128 399 717 and is open to Citibank cardholders. The cardholder is entitled to receive a gift of a selected bottle of wine when using their Citibank credit or debit card to pay for their restaurant bill. This offer is available only at participating partner restaurants for dine-in customers who order a minimum of a main course per person or spend over $50 in yum cha restaurants, and is limited to one free bottle of wine per booking. Split bills are not permitted. The free bottle of wine must be requested at the time of ordering. The free bottle of wine cannot be taken away or consumed off premises and is not available to customers selecting a degustation menu option with matching wines. The free bottle of wine specified may be out of stock or replaced. Should this occur, the restaurant will provide a similar quality bottle of wine at their discretion. Program not to be used in conjunction with any other offer.
3. World privilege payment must be made using a Citibank Credit or Visa Debit Card. Up to 25% discount on Dining and Shopping available at participating outlets. Refer to www.citiworldprivileges.com/au/ for up-to-date offer details.
4. Exclusive Visa Entertainment Offers supplied by Visa. Visit www.visaentertainment.com.au for details.
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. No interest free period is available on Cash Advances or Balance Transfers.
6. Actual credit limit will be assigned based on our credit criteria, your credit rating, and subject to confirmation that you earn a minimum of $25,000 per year. Credit limit is up to $20,000 at point of initial approval. Over time, you may apply to increase your credit limit if you satisfy our credit criteria.
© 2012 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No. 238098. Citibank®, Citi® and Arc Design® are service marks of Citigroup Inc.