CitiBusiness Credit Card - Apply Online

	Key Features:
	Purchase and Balance Transfer Offer Transfer your outstanding balance from a non-citibank credit card and make purchases at 0% for 4 months1 Annual Fee Offer - receive half annual fee for the first year. Personalised Rewards Program Earn 1.25 points per $1 spent.1 Limited only by your imagination. Redeem your points for your business or reward yourself. Complimentary Business Concierge The convenience of our complimentary business concierge to provide you with information and assistance from anywhere in the world, 24 hours a day, 7 days a week. Complimentary International Travel Insurance Automatically covers you and your family when you buy your travel tickets with your CitiBusiness Gold Credit Card. Your cover includes medical and unexpected travel expenses,trip cancellation, personal liability and loss of damage to personal items. Special Offers and Privileges 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 Generous and High Credit Limit and up to 55 days Interest Free on Retail Purchases Your CitiBusiness Gold Credit Card gives you a high $60,000 credit limitso you have the purchasing power and financial flexibility you need. Also enjoy up to 55 days interest free on retail purchases when you pay off the total balance at the end of each month. Optional Credit Card Insurance With credit card repayment insurance, CreditShield® will make your payments when you can't. CreditShield will pay the minimum amount due on your Citibank credit card if you are unable to work due to an accident or unemployment. Your Card Choice You have the choice of having either a MasterCard or a Visa Card.

	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 $30,000 a year or more

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

#Actual credit limit will be assigned based on our credit criteria, your credit rating, and subject to confirmation that you earn a minimum of $30,000 per year. Credit limit is up to $25,000 at point of initial approval. Over time, you may apply to increase your credit limit up to $60,000, if you satisfy our credit criteria.

1. The 0% p.a. interest rate applies for the first 4 months on purchases, cash advances and balance transfers. Transferred balances will be repaid first. Any outstanding transferred balances or cash advance balance at the end of the promotional period will revert to the cash advance rate of 21.49%p.a. Any transactions made other than balance transfers and cash advances will revert at the end of the promotional period to the standard Credit Card retail purchase rate, currently 20.74% p.a. Offer ends 31 March 2012. To be eligible for the offer, you need to apply for the card by Offer ends 31 March 2012. Approved customers only. Four month promotional period commences on account approval. Interest rates are variable subject to change and Citibank's credit criteria. This information is current as at
3 January 2012. Current CitiBusiness Gold Credit Cardholders are not eligible to apply for this introductory offer.
2. Subject to your acceptance, you will be billed a half-price annual fee (currently $74) in the first year. This will revert back to the full annual fee of $149 in subsequent years. There is no annual fee for Additional CitiBusiness Cards. Please allow up to 15 days to process your Application subject to verification.
3. Citibank Travel Program service call centre is operated by Pinpoint Travel Group Pty Ltd, Licence No. 2TA002974. Travel booked via the call centre must be paid in full using the customer's Citibank Rewards Credit Card -Platinum, with a cashback processed to the value of points redeemed. Cashback on customer account may take up to 14 days. Redemption via the Citibank Travel Program call centre is available only to customers enrolled in the Citibank Rewards Program and is not available to cardholders who enrol in airline frequent flyer direct earn rewards programs. All offers are subject to availability and change without notice. Offers may vary according to itinerary options, currency fluctuations and taxes at the time of booking.
4. Different Rewards points earn rates apply to cardholders who enrol in airline frequent flyer direct earn rewards programs.
5. International Travel 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. Depending on your circumstances complimentary travel insurance may not be adequate for your needs. Always read the terms and conditions.
6. Bonus Points are earned on purchases made at participating Australian Bonus Partner retailers only. Bonus Points are not available to cardholders who enrol in airline frequent flyer direct earn rewards programs.
7. 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. Citibank Rewards Credit Cardholders, except cardholders who are enrolled in airline frequent flyer direct earn rewards programs, will also earn three bonus points for each dollar spent at participating restaurants. 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. 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. Citibank reward points are earned, allocated, redeemed, forfeited or cancelled by eligible cardholders in accordance with the Citibank Rewards Program Terms and Conditions. The value table assumes 6 dining experiences per year as part of the Citibank Dining Program. The value table assumes 6 dining experiences per year as part of the Citibank Dining Program.
8. Assumes $36,000 in annual spend. 1.25 points earned per $1 spent. Points redeemed for cashback via Citibank Rewards Program. Rewards subject to terms of the Citibank Rewards Program.
9. 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.
10. 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 www.citiworldprivileges.com/au/ for up-to-date offer details.

© 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.