Citibank Platinum Credit Card - Apply Online

	Key Features:
	1.9% p.a. on balance transfers for 15 months Transfer your outstanding balances from non-citibank credit cards and you'll enjoy a 1.9% p.a. for 15 months Great Bonus Rewards Points Offer Earn 5 points per $1 spent at our Bonus Partners and 2 points per $1 spent on all other purchases for the first 15 months Special Annual Fee Offer Receive a $199 annual fee for the life of the credit card. Personalised rewards program Citibank provides you with the ultimate flexibility to redeem your Reward points for whatever your imagination can dream up. For anything from merchandise, gift cards, school fees or even new furniture for your home. As your points never expire, every dollar counts to even greater rewards. Citibank Reward program membership is complimentary for you to enjoy the rewards you have earned. Citibank Dining Program A complimentary bottle of wine when you dine at participating restaurants with Citibank's dining program. Credit limit up to $100,000# Citibank Platinum Credit Card gives you a higher credit limit so you have the purchasing power and flexibility you need. Personal concierge service 24/7 Enjoy the privilege and convenience of a Personal Concierge to provide you with information and assistance for both business and pleasure. This service can recommend a restaurant in New York, book theatre tickets in London and arrange flowers or last-minute gifts for family and friends. They'll take care of the little things, so you can look after the big ones. With Citibank Platinum Credit Card you can use the Personal Concierge from anywhere in the world, and is available to you 24 hours day, 7 days a week. Option to join Citi Qantas Rewards^ and have your points transferred automatically into your Qantas Frequent Flyer account each month. If this is selected then no bonus points apply. Complimentary international travel insurance Automatically covers you and your family when you buy your travel tickets with your Citibank Platinum Credit Card. Your cover includes medical and unexpected travel expenses, trip cancellation, personal liability and loss or damage to personal items. Extended Warranty When you buy eligible products with your Citibank Platinum Credit Card you will receive an extended warranty for a period up to 12 months. Up to 55 days interest-free on retail purchases Apply Online and Receive a Response in 60 Seconds

	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 $40,000 p.a.

Terms & Conditions
Citibank Platinum Terms and Conditions, Fees and Charges apply and are available on request.

Subject to your acceptance you will be billed an annual account fee which is currently $199 for the Primary Citi Platinum Card and $30 for an Additional Citi Platinum Card.

1. Citibank Credit Cards are currently offering an introductory rate of 1.9% p.a. for 15 months on balances transferred on the Citi PlatinumCredit Card. 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 21.74% p.a. The Platinum Card current standard variable rate is 20.99% p.a. on retail purchases. Interest rates are variable subject to change and Citibank's Credit Criteria. Interest rates last updated 08/12/2010.

2.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 once your card is activated you will earn 5 points for every $1 spent at Citi Bonus Partners and 2 rewards points for every $1 spent for all other purchases until 01/01/2012. After 01/01/2012 your points earn rate will revert to the standard program where you will earn 4 points for every $1 spent at Citi Bonus Partners and 1 reward point for every $1 spent for all other purchases.

3. 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 only open to Citibank Silver, Citibank Gold, Citibank Platinum, Citibank Select and CitiBusiness cardholders participating in Citibank's standard rewards program. It is not available to cardholders who enrol in airline frequent flyer direct earn rewards programs. Under Citibank's dining program, in addition to the four points earned for each dollar spent, the cardholder is entitled to receive a gift of a selected bottle of wine when using their Citibank Silver, Citibank Gold, Citibank Platinum, Citibank Select and CitiBusiness card to pay for their restaurant bill. This offer is available only at participating Bonus 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. Citibank cardholders must request the complimentary bottle of wine at the time of ordering. The complimentary 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 complimentary 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. Points are earned, allocated, redeemed, forfeited or cancelled by eligible cardholders in accordance with the Citi Rewards Program Terms and Conditions.

4. Actual credit limit will be assigned based on Citi credit criteria subject to confirmation that you earn a minimum of $40,000 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 Citi's credit criteria.

5. International Travel insurance is 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 is subject to Terms and Conditions and exclusions available at www.citibank.com.au.

6. Extended Warranty Insurance and Purchase Cover Insurance is 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. An excess applies to Purchase Cover Insurance.

© 2011 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.