Citibank Clear Platinum Low Rate Credit Card

	Key Features:
	2.9% p.a. on Balance Transfers for the first 12 months Low 11.99% p.a. on Purchases and 21.74% p.a. on Cash Advances Annual fee of $99 Up to 55 days interest free Access to limited edition entertainment experiences through Visa Platinum Privileges3 Access to Visa Concierge thats gets you anything at anytime4 Special Offers and Privileges with 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 priviliged when you travel the world.5 Complimentary International Travel Insurance6 Complimentary purchase cover7 and extended warranty8

	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 $35,000 p.a.

Terms and Conditions
Fees and charges apply. Terms and conditions apply and are available upon request. Credit criteria apply.

1. The 2.9 % p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 12 months. The 12 month promotional period commences once balance transfer is processed. Transferred balances are repaid first during this period. Annual fees 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 Platinum Credit Card cash advance interest rate, currently 21.74% p.a. The current Citibank Clear Platinum Credit Card interest rate for retail purchases
is 11.99% p.a. Interest rates are variable, subject to change and credit criteria. The interest rates are current as at 8 December 2010. Current Citibank Credit Cardholders are not eligible to apply for this introductory offer. Offer ends 31 March 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 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. The value table Assumes 6 dining experiences per year as part of the Citibank Dining Program.
3. World privilege payment must be made using a Citibank Credit Card. Up to 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 citiworldprivileges.com/au/ for up-to-date offer details.
4. Exclusive Platinum Visa Entertainment Offers supplied by Visa. Visit visaentertainment.com.au for details.
5. Exclusive Visa Platinum 24/7 concierge service supplied by Visa. Visit visaplatinum.com.au for details.
6. International Travel Insurance, Extended Warranty Insurance, Transit Accident Insurance, Guaranteed Pricing Scheme and Purchase Cover Insurance 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.citibank.com.au/complimentaryinsurance. An excess applies to Purchase Cover Insurance.

© 2012 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No. 238098. Citibank® and Arc Design® are service marks of Citigroup Inc.