NEW: Citibank Rewards Credit Card - Classic

	Key Features:
	Introductory Offer Receive 6.9% p.a. on balance transfers for the first 6 months Citibank Dining Program A complimentary bottle of wine when you dine at participating restaurants with Citibank's dining program Access to Citibank World Privileges It's your passport to exclusive upgrades, benefits and discounts at thousands of hotels, restaurants, shops, shows and services worldwide. With everything from glorious weekends away to sumptuous dinners in Australia's finest restaurants, you'll find something to tempt you. Citibank Take Flight The most flexible travel program available. Fly on any airline, anywhere, anytime using your reward points. Purchase Cover Use your Citibank Silver Card for personal items and have them repaired or replaced when lost, damaged or stolen up to 90 days after purchase. Generous credit limit of up to $7,500 Citibank Silver gives you a higher credit limit so you have the purchasing power and financial flexibility you need at lower annual fees for you and the additional cardholders. Up to 55 Days Interest Free Enjoy up to 55 days interest-free on retail purchases. FRAUD SHIELD ® Our fraud department checks any unusual activity to detect early signs of fraud and will contact you to check when they spot irregular purchases. Optional Credit Card Insurance CardProtect provides easy, low cost insurance cover to assist you in meeting with your regular monthly repayments on your credit card account if the unexpected were to happen to you. Interest Rates and Fees Purchase rate of 20.99% p.a., Cash Advance rate is currently at 21.74% p.a. and an annual fee of $89 with additional card holders at a low annual fee of $15.

	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 a year or more

Terms and Conditions
Fees and charges apply and are available upon request.

Subject to your acceptance you will be billed an annual account fee which is currently $89 for the Citibank Rewards Credit Card - Classic (Classic card), and $15 for an additional Classic card. Allow up to
15 working days to process your Application subject to verification.

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 Rewards Credit Card - Classic, Platinum and Signature, 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 such as Qantas and Emirates. Under Citibank's Dining Program, the cardholder is entitled to receive a gift of a selected bottle of wine when using their Citibank Rewards Credit Card to pay for their restaurant bill. Cardholders will also earn three bonus points for each dollar spent at a participating restaurant when paying with their Citibank Rewards Credit Card. 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 Rewards Credit Cardholders must request the free bottle of wine 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. Points are earned, allocated, redeemed, forfeited or cancelled by eligible cardholders in accordance with the Citibank Rewards Program Terms and Conditions.

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.

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® and Arc Design® are service marks of Citigroup Inc.