Citibank Silver Credit Card - Compare Online

	Key Features:
	Citibank Dining Program 1 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. Silver Rewards Program For every dollar you spend, you enjoy one reward point2 which can be redeemed for a large range of travel rewards, merchandise, gift cards or cashback on your card. In addition, your reward points never expire while the card remains open. Citibank Take Flight 3 The most flexible travel program available. Fly on any airline, anywhere, anytime using your reward points. Purchase Cover 4 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 5 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 6 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 7 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.

The cash advance interest rate for the Citi Silver Credit Card is currently 21.74% p.a. Purchases will be at the standard variable interest rate on the Citi Silver Credit Card which is currently 20.99% p.a. Interest rates are variable and subject to change. Interest rates last updated 08/12/2010.

1. 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.
2. Rewards are subject to the Citibank Rewards Terms and Conditions. Reward points are not earned on balance transfers or cash advances. Reward points never expire while the card remains open.
3. Citibank Take Flight® is the service which enables you to redeem Rewards points for Take Flight® Cashback, Travel Vouchers and other nominated travel Rewards offered by Citi Rewards from time to time. Take Flight® Cashback is a Cashback with the following additional conditions: In order to be eligible to redeem Reward points for Take Flight® Cashback, You must have made a travel purchase (where a flight or airline ticket is an element of that travel purchase) on Your Card within 30 days immediately before the date of your request to redeem for Take Flight® Cashback (referred to from this point as the "Travel Purchase"). The maximum amount in Take Flight® Cashback that You may redeem Reward points for is an amount equivalent to the dollar value of the Travel Purchase. For a Take Flight® Cashback Rewards claim, you must redeem the minimum number of Reward points specified by Citibank before or at the time of the redemption. You should allow up to 28 days for Your Take Flight® Cashback to be processed. The amount of any Take Flight® Cashback is set off against the outstanding balance of Your Account on Your next Statement due date.
4. Purchase Cover is underwritten by Zurich Australian Insurance Ltd (ABN 13 000 296 640 AFSL No. 232507) and is subject to the Terms and Conditions and exclusions contained in the Policy of Insurance. Please refer to the Terms and Conditions sent to you at card opening for a full explanation of cover and exclusions.
5. Actual credit limit will be assigned based on Citibank credit criteria subject to confirmation that you earn a minimum of $25,000 p.a. and subject to your credit rating. Credit limit is up to $7,500 at point of initiation. Over time, credit limit may increase up to $10,000, if satisfies Citibank's credit criteria.
6. 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.
7. The issuers of CardProtect are AIA Australia Limited ABN 79 004 837 861 AFSL No. 230043 and Great Lakes Reinsurance (UK) PLC ARBN 127 740 532 ABN 18 964 580 576 AFSL No. 318603. This material contains general advice only and does not take into account your individual objectives, financial situation or needs, and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement available at www.citibank.com.au to decide if the policy is right for you.

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