Citi Prestige Card (150,000 bonus points when you spend $5,000 in the first 90 days from account approval + 0% p.a. for 6 months on balance transfers - no BT fee)

Purchase Rate

20.99 %
p.a.
Cash Advance Rate
21.74% p.a.
Interest Free
Up to 44 days
Annual Fee
$700.00
Balance Transfer Rate
0% p.a.
for first 6 months
  • Earn up to 150,000 bonus points when you spend $5,000 in the first 90 days from account approval.
  • 0% p.a. for 6 months on balance transfers** (no BT fee)
  • Offer is valid until 31 January 2020
  • Linked Diners Club Card: Earn 10,000 bonus Points with a Linked Diners Club Card. Simply request a Linked Diners Club Card when you apply, and spend on it within 90 days of approval, to earn an extra 10,000 bonus Points.
  • Earn from 1 point per $1 spent on selected purchases and enjoy unlimited airport lounge access with a complimentary Priority Pass.
  • One free night per year - indulge with a complimentary night’s stay at one of our premium hotels.
  • Complimentary Priority Pass™ grants you and a guest access to over 700 airport lounges. Meet and Assist - Fast track immigration within Asia Pacific airports and VIP Limo Service available, both twice a year.
  • Please note that within Australia, Priority Pass is currently available at Cairns, Darwin and Brisbane International Airports and Sydney Kingsford Smith. For the full list of up to date airport lounges and Priority Pass™ Conditions of Use please refer to www.prioritypass.com
  • Complimentary green fees for Citi Prestige Visa main cardholders at 20 participating golf clubs across Asia pacific.
  • 3 complimentary green fees in any golf clubs* for Citi Prestige Visa main cardholders each calendar year.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

  • Earn 3 Points per $1 spent for all eligible International Spend
  • Earn 3 Points per $1 spent for selected domestic purchases made and booked directly from a range of major: restaurants, restaurant chains, hotel chains and airlines (flights only)
  • Earn 2 Points per $1 spent for selected domestic purchases made at major: petrol outlets, major supermarkets and national retailers
  • Earn 1 Point per $1 spent everywhere else on domestic Eligible Transactions.
Rewards Points per Dollar3Linked to Frequent Flyer
Spend to Redeem $100 Gift Card*-Frequent Flyer Ratio 1
Spend at Loyalty Partner for $100 Gift Card*SPEND FOR SYD/MEL RETURN*-
Lifetime of Points 
Rewards Program Partners
Rewards Bonus Points Partners
Domestic AirlinesQantas
International AirlinesQantas, Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Asia Miles and Emirates Skywards 
ConditionsIf you prefer to opt-in to our Citi Qantas Rewards program, you can earn 1 Qantas Frequent Flyer point for every dollar spent for an additional $49 annual fee

Visit the issuer's website for additional information.

Terms & Conditions
Fees and charges apply. Credit Criteria apply. New cards customers only and cannot be used in conjunction with any other offers. Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $150,000 per year and your credit rating. Terms and conditions apply and are available upon request. Late Payment Fee - $30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account. † Separate Diners Club Terms and Conditions apply to a Linked Diners Club Card as it is a separate credit facility from Diners Club that is paid through your Citi Credit Card. Eligibility criteria apply including that you must be approved for an account that is eligible for a Linked Diners Club Card. Diners Club has appointed Citi to administer the Linked Diners Club Card. Any credit balance on the Linked Diners Club Card is not a deposit liability of Citi, or any other affiliate of Citi, is not a protected account and is not guaranteed. ‡ All rewards on your Linked Diners Club Card are subject to the Terms and Conditions of the Citibank Rewards Program and the Linked Diners Club Card Extra Terms Part 2. Eligible Transaction is defined in the Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) cash advances, balance transfers, special promotions, BPAY payments, government related transactions and all other transactions set out within the definition. Please click herefor the full definition of Eligible Transactions. Points do not expire while the card remains open and in good standing. φ No International Transaction Fee is only applicable for transactions made on your Linked Diners Club Card; including on the amounts transferred to your Citi Credit Card. If you make an international transaction using your Citi Credit Card, an International Transaction Fee will be charged (where applicable). 1. To earn 150,000 bonus Citi rewards Points, you must apply for a Citi Rewards Prestige Credit Card by 31 January 2020, then spend $5,000 on your Citi Rewards Prestige Credit Card within 90 days of approval. Cash Advances, Balance Transfers, Refunds, Chargebacks, Special Promotions and spend on a Linked Diners Club Card do not contribute to the spend threshold. The bonus Citi rewards Points will be credited within 6 - 8 weeks of meeting the spend criteria. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. Points do not expire while the card remains open and in good standing. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. This offer is valid until 31 January 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 2. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. The Citi Prestige Credit Card earns 3 Points per $1 on eligible International Spend and for selected purchases made and booked directly from a range of major restaurants and restaurant chains, major hotel chains, major travel agencies, major travel aggregators and flights directly booked with major airlines. 2 Points per $1 for selected purchases made at major petrol outlets, major supermarkets and major national retailers. 1 Point per $1 spent everywhere else on Eligible Transactions. Domestic Spend and International Spend means any Eligible Transaction made with a merchant who respectively tells us they are located within Australia or outside Australia. Please click here for the full definition of Eligible Transactions. Please note purchases not ordered or booked directly from the restaurant (e.g. through a delivery company) are not included in the higher earn rate. Please note that whether or not a purchase is eligible to earn Points and how many (e.g. whether the merchant is a \"major restaurant\") will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). If, for example, a restaurant is not classified as a restaurant by the card scheme, it will not be treated as a \"major restaurant\" for calculating Points. Points do not expire while the card remains open and in good standing. 3. Luxury Airport Transfer Service is a special feature of the Citi Prestige Credit Card. Each Citi Prestige Credit Cardholder is entitled to one complimentary oneway airport transfer service per itinerary. This is capped at two redemptions per calendar year per card. Luxury airport transfer services will only be available for the primary cardholder, and will incur additional charges for extra stops, cancellation/amendment fees and waiting time charges, which will all be borne by the cardholder in USD. Luxury airport transfer imposes limits on the number of passengers per car and/or the number of pieces of luggage per passenger. This service is limited to a maximum of 2 large suitcases and 4 passengers per car. All bookings are subject to availability. Booking for the services must be made at least 72 hours prior to commencement of travel. Available for trips to and from the airports at selected airports in the Asia Pacific region only. Luxury airport transfer services have a complimentary transfer allowance limit, which is based on driven kilometres in each city. Kilometre limits vary from city to city. Any excess charges beyond the complimentary kilometre allowance will be advised to cardholder upon confirmation of the booking. All charges must be made on the Citi Prestige Credit Card and will be in USD. Please refer to full Terms andConditions. 4. One complimentary Priority Pass™ Membership, with unlimited lounge visits, for the primary cardholder is a Special Feature of the Citi Prestige Credit Card. Citi Prestige Credit Cardholders must enrol for the Priority Pass Standard Membership atwww.prioritypass.com/citiprestigeaus. The primary cardholder may bring one guest per visit. Any additional guests will be charged directly by the lounge. Once you have enrolled, please allow up to 15 working days for your Priority Pass card to arrive in the mail. Unused visits cannot be carried forward to the following membership year. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass is available at some airports. For the full list of up to date airport lounges and Priority Pass™ Conditions of Use please refer towww.prioritypass.com. 5. Complimentary Hotel Stay is a Special Feature of the Citi Prestige Credit Card. Complimentary Hotel Stay Benefits available to Citi Prestige Primary Cardholders once (per account) in every calendar year. Bookings must be made and used only in that calendar year. Unused complimentary hotel stay will be forfeited on the 31st of December each calendar year and cannot be carried forward to the next year. In order to receive the Complimentary Hotel Stay Benefit you must maintain your account in good standing, including (without limitation) by paying at least the minimum due on the most recent card statement by the due date. Booking for the services must be made at least 48 hours prior to commencement of stay. Complimentary Hotel Stay Benefit is subject to availability. Complimentary Hotel Stay Benefit is based on the room category listed with the hotel with a maximum of two people allowed per room. Any different bedding configurations and room upgrades must be paid by the cardholder. Please refer to full Terms and Conditions. 6. You must be a member of the airline and hotel loyalty programs in which you wish to claim airline and hotel loyalty Points and have advised us of your airline and hotel loyalty program membership number prior to any such redemption. Membership of an airline and hotel loyalty program will be subject to the terms and conditions of that program. Airline Loyalty Points may take up to 28 business days to appear in your Airline Loyalty Program membership account. 7. Gift cards are only redeemable using Points via www.citirewards.com. The number of Points required to redeem gift cards may vary at the time of redemption. Gift cards are non-reloadable or redeemable for cash. Information accurate as of 9 May 2019. 8. Separate Diners Club Terms and Conditions apply to a Linked Diners Club Card as it is a separate credit facility from Diners Club that is paid through your Citi Credit Card. Eligibility criteria apply including that you must be approved for an account that is eligible for a Linked Diners Club Card. Diners Club has appointed Citi to administer the Linked Diners Club Card. Any credit balance on the Linked Diners Club Card is not a deposit liability of Citi, or any other affiliate of Citi, is not a protected account and is not guaranteed. 9. All rewards on your Linked Diners Club Card are subject to the Terms and Conditions of the Citibank Rewards Program and the Linked Diners Club Card Extra Terms Part 3. Eligible Transaction is defined in the Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, government related transactions and all other transactions set out within the definition. Pleaseclickherefor the full definition of Eligible Transactions. Points do not expire while the card remains open and in good standing. 10. Pay with Points is available on eligible purchases. An eligible purchase means an Eligible Transaction that you use Pay with Points within 60 days of the Transaction Date. Eligible Transaction is defined in the Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, government related transactions and all other transactions set out within the definition 11. Free Nights Program is a Special Feature of the Citi Prestige Credit Card. Valid for Citi Prestige Primary Cardholders only. A minimum of 4 consecutive nights\' stay is required in order to enjoy one night on a complimentary basis. The maximum complimentary night\'s stay is one and all other nights will be borne at the cardholder\'s cost. There are no credits for any unused free nights if the guest checks out early. Only one complimentary night is allowed per Citi Prestige Primary Cardholder per room per booking. Complimentary night has no refund value. To qualify for the complimentary night, booking for the services must be made at least 48 hours prior to commencement of stay, and the cardholder who booked the stay must be one of the paying guests. Complimentary night must be utilised during the same stay as the purchased nights; purchased and complimentary nights must be of the same room types. Back-to-back stays are not allowed. Back-to- back stays are stays at the same city/state booked on two reservations (as an example, you book four nights at a hotel on one reservation for Monday, Tuesday, Wednesday and Thursday and book another four nights on another reservation for Friday, Saturday, Sunday and Monday. In this situation, you would only be eligible for one complimentary night for the 8-night stay). Please refer to full Terms and Conditions. 12. Concierge Services is a complimentary service available to the Primary Cardholder of a Citi Rewards Platinum Credit Card. Refer to the Terms and Conditions of the Citibank Rewards Program. Concierge Services provided by Aspire Lifestyles (Australia) Pty Ltd. 13. Complimentary insurance covers are subject to eligibility requirements : AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 of Level 16, 310 Ann Street, Brisbane, OLD 4000 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000122 850 AFSL 234708 of 2 Market Street, Sydney NSW 2000 has issued an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) of 2-26 Park Street, Sydney NSW 2000 which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Insurance Terms and Conditions which may be amended from time to time. Citi does not guarantee this insurance. 14. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 6 months. The 6 month promotional period commences once the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 21.74% p.a. This offer excludes balances transferred from Citibank unsecured credit products. Please note you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. For important information to consider before taking up a balance transfer, please click here. This offer is valid until 31 January 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. **Please note, no interest free days apply to retail purchases while you have a balance transfer.** 15. Citi instalment plans are defined in the Credit Card T&Cs as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing. Your Fixed Payment Option uses part of your existing credit limit. As you pay off your Fixed Payment Option, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. For the full terms and conditions of your Fixed Payment Option, please refer to theCredit Card Terms and Conditions and Other Important Information. 16. Apple Pay works with iPhone 6 and later in stores, in selected apps, and on participating websites in Safari; with Apple Watch in stores and selected apps (requires iPhone 6 or later); with iPad Pro, iPad (5th generation), iPad Air 2, and iPad mini 3 and later in selected apps and on participating websites in Safari; and with Mac (2012 or later) on participating websites in Safari with an Apple Pay-enabled iPhone or Apple Watch. For a list of compatible Apple Pay devices, seesupport.apple.com/en-au/km207l05. You can use Apple Pay in stores/merchants wherever NFC contactless payment is accepted. For certain merchant terminals, a transaction limit may apply. You can also make in-app purchases and websites in Safari where Apple Pay is available as a payment option. Terms and conditionsapply to the use of Apple Pay. Apple, the Apple logo, Apple Pay, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. 17. Conditions apply. Visitcitibank.com.au/dine. 18. Golf Privileges are a Special Feature of the Citi Prestige Credit Card. Three (3) complimentary green fees forCiti Prestige Primary Cardholdersat participating golf clubs per calendar year. Offer is fully subsidised by Visa and not a direct offer from the golf clubs. Offer is valid for Citi Prestige Primary Cardholders only with cards issued within Asia Pacific. Citi Prestige Primary Cardholders are entitled to book and play for a maximum of 3 times per calendar year. Maximum 3 Citi Prestige Primary Cardholders are allowed to use the complimentary green fee per flight. Bookings cannot be made less than 5 calendar days and more than 14 calendar days in advance before day of tee-off. Note that day of tee-off does not count. Citi Prestige Primary Cardholders must follow the terms and conditions of booking set out in the full Terms and Conditions. 19. To earn 10,000 bonus Points, you must request a Linked Diners Club Card during your application process and then make your first spend on the Linked Diners Club Card within the first 90 days from the card approval. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. The bonus Points will be credited within 6 - 8 weeks of meeting the spend criteria. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program and the Linked Diners Club Card Extra Terms Part 3. This offer is valid until 31 January 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 20. No International Transaction Fee is only applicable for transactions made on your Linked Diners Club Card; including on the amounts transferred to your Citi Credit Card. If you make an international transaction using your Citi Credit Card, an International Transaction Fee will be charged (where applicable). © 2019 Citigroup Pty Limited. All rights reserved. ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

Citi Prestige Card (150,000 bonus points when you spend $5,000 in the first 90 days from account approval + 0% p.a. for 6 months on balance transfers - no BT fee)

Purchase Rate 20.99 % p.a.
Cash Advance Rate 21.74% p.a.
Interest Free Up to 44 days
Annual Fee$700.00
Balance Transfer Rate 0 % p.a. for first 6 months

Top Features

  • Earn up to 150,000 bonus points when you spend $5,000 in the first 90 days from account approval.
  • 0% p.a. for 6 months on balance transfers** (no BT fee)
Show More Top Features

More Information

Rewards Program
Overseas ATM Availability
Insurance Cover for Purchases
Automatic Travel Insurance
Rewards Points per Dollar3
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card*-
Frequent Flyer Ratio 1
Spend at Loyalty Partner for $100 Gift Card*
SPEND FOR SYD/MEL RETURN*-
Lifetime of Points  
Rewards Program Partners
Rewards Bonus Points Partners
Domestic AirlinesQantas
International AirlinesQantas, Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Asia Miles and Emirates Skywards 
ConditionsIf you prefer to opt-in to our Citi Qantas Rewards program, you can earn 1 Qantas Frequent Flyer point for every dollar spent for an additional $49 annual fee
Annual Fee$700.00
Minimum RepaymentGreater of 2% or $30.00
Annual Fee First Year$700.00
Interest Charged FromPurchaseDate
Rewards Joining Fee $49.00
Late Payment Fee$30.00
Supplementary Card Fee$0.00
Duplicate Statement Fee -
Overseas ATM Balance Fee $0.00
Transaction Verification Fee$0.00
Overseas ATM Withdrawal Fee $5.00
Over Limit Fee$0.00
Overseas Emergency Card Replacement Fee -
Terms & Conditions

Fees and charges apply. Credit Criteria apply. New cards customers only and cannot be used in conjunction with any other offers. Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $150,000 per year and your credit rating. Terms and conditions apply and are available upon request. Late Payment Fee - $30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account. † Separate Diners Club Terms and Conditions apply to a Linked Diners Club Card as it is a separate credit facility from Diners Club that is paid through your Citi Credit Card. Eligibility criteria apply including that you must be approved for an account that is eligible for a Linked Diners Club Card. Diners Club has appointed Citi to administer the Linked Diners Club Card. Any credit balance on the Linked Diners Club Card is not a deposit liability of Citi, or any other affiliate of Citi, is not a protected account and is not guaranteed. ‡ All rewards on your Linked Diners Club Card are subject to the Terms and Conditions of the Citibank Rewards Program and the Linked Diners Club Card Extra Terms Part 2. Eligible Transaction is defined in the Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) cash advances, balance transfers, special promotions, BPAY payments, government related transactions and all other transactions set out within the definition. Please click herefor the full definition of Eligible Transactions. Points do not expire while the card remains open and in good standing. φ No International Transaction Fee is only applicable for transactions made on your Linked Diners Club Card; including on the amounts transferred to your Citi Credit Card. If you make an international transaction using your Citi Credit Card, an International Transaction Fee will be charged (where applicable). 1. To earn 150,000 bonus Citi rewards Points, you must apply for a Citi Rewards Prestige Credit Card by 31 January 2020, then spend $5,000 on your Citi Rewards Prestige Credit Card within 90 days of approval. Cash Advances, Balance Transfers, Refunds, Chargebacks, Special Promotions and spend on a Linked Diners Club Card do not contribute to the spend threshold. The bonus Citi rewards Points will be credited within 6 - 8 weeks of meeting the spend criteria. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. Points do not expire while the card remains open and in good standing. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. This offer is valid until 31 January 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 2. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. The Citi Prestige Credit Card earns 3 Points per $1 on eligible International Spend and for selected purchases made and booked directly from a range of major restaurants and restaurant chains, major hotel chains, major travel agencies, major travel aggregators and flights directly booked with major airlines. 2 Points per $1 for selected purchases made at major petrol outlets, major supermarkets and major national retailers. 1 Point per $1 spent everywhere else on Eligible Transactions. Domestic Spend and International Spend means any Eligible Transaction made with a merchant who respectively tells us they are located within Australia or outside Australia. Please click here for the full definition of Eligible Transactions. Please note purchases not ordered or booked directly from the restaurant (e.g. through a delivery company) are not included in the higher earn rate. Please note that whether or not a purchase is eligible to earn Points and how many (e.g. whether the merchant is a \"major restaurant\") will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). If, for example, a restaurant is not classified as a restaurant by the card scheme, it will not be treated as a \"major restaurant\" for calculating Points. Points do not expire while the card remains open and in good standing. 3. Luxury Airport Transfer Service is a special feature of the Citi Prestige Credit Card. Each Citi Prestige Credit Cardholder is entitled to one complimentary oneway airport transfer service per itinerary. This is capped at two redemptions per calendar year per card. Luxury airport transfer services will only be available for the primary cardholder, and will incur additional charges for extra stops, cancellation/amendment fees and waiting time charges, which will all be borne by the cardholder in USD. Luxury airport transfer imposes limits on the number of passengers per car and/or the number of pieces of luggage per passenger. This service is limited to a maximum of 2 large suitcases and 4 passengers per car. All bookings are subject to availability. Booking for the services must be made at least 72 hours prior to commencement of travel. Available for trips to and from the airports at selected airports in the Asia Pacific region only. Luxury airport transfer services have a complimentary transfer allowance limit, which is based on driven kilometres in each city. Kilometre limits vary from city to city. Any excess charges beyond the complimentary kilometre allowance will be advised to cardholder upon confirmation of the booking. All charges must be made on the Citi Prestige Credit Card and will be in USD. Please refer to full Terms andConditions. 4. One complimentary Priority Pass™ Membership, with unlimited lounge visits, for the primary cardholder is a Special Feature of the Citi Prestige Credit Card. Citi Prestige Credit Cardholders must enrol for the Priority Pass Standard Membership atwww.prioritypass.com/citiprestigeaus. The primary cardholder may bring one guest per visit. Any additional guests will be charged directly by the lounge. Once you have enrolled, please allow up to 15 working days for your Priority Pass card to arrive in the mail. Unused visits cannot be carried forward to the following membership year. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass is available at some airports. For the full list of up to date airport lounges and Priority Pass™ Conditions of Use please refer towww.prioritypass.com. 5. Complimentary Hotel Stay is a Special Feature of the Citi Prestige Credit Card. Complimentary Hotel Stay Benefits available to Citi Prestige Primary Cardholders once (per account) in every calendar year. Bookings must be made and used only in that calendar year. Unused complimentary hotel stay will be forfeited on the 31st of December each calendar year and cannot be carried forward to the next year. In order to receive the Complimentary Hotel Stay Benefit you must maintain your account in good standing, including (without limitation) by paying at least the minimum due on the most recent card statement by the due date. Booking for the services must be made at least 48 hours prior to commencement of stay. Complimentary Hotel Stay Benefit is subject to availability. Complimentary Hotel Stay Benefit is based on the room category listed with the hotel with a maximum of two people allowed per room. Any different bedding configurations and room upgrades must be paid by the cardholder. Please refer to full Terms and Conditions. 6. You must be a member of the airline and hotel loyalty programs in which you wish to claim airline and hotel loyalty Points and have advised us of your airline and hotel loyalty program membership number prior to any such redemption. Membership of an airline and hotel loyalty program will be subject to the terms and conditions of that program. Airline Loyalty Points may take up to 28 business days to appear in your Airline Loyalty Program membership account. 7. Gift cards are only redeemable using Points via www.citirewards.com. The number of Points required to redeem gift cards may vary at the time of redemption. Gift cards are non-reloadable or redeemable for cash. Information accurate as of 9 May 2019. 8. Separate Diners Club Terms and Conditions apply to a Linked Diners Club Card as it is a separate credit facility from Diners Club that is paid through your Citi Credit Card. Eligibility criteria apply including that you must be approved for an account that is eligible for a Linked Diners Club Card. Diners Club has appointed Citi to administer the Linked Diners Club Card. Any credit balance on the Linked Diners Club Card is not a deposit liability of Citi, or any other affiliate of Citi, is not a protected account and is not guaranteed. 9. All rewards on your Linked Diners Club Card are subject to the Terms and Conditions of the Citibank Rewards Program and the Linked Diners Club Card Extra Terms Part 3. Eligible Transaction is defined in the Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, government related transactions and all other transactions set out within the definition. Pleaseclickherefor the full definition of Eligible Transactions. Points do not expire while the card remains open and in good standing. 10. Pay with Points is available on eligible purchases. An eligible purchase means an Eligible Transaction that you use Pay with Points within 60 days of the Transaction Date. Eligible Transaction is defined in the Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, government related transactions and all other transactions set out within the definition 11. Free Nights Program is a Special Feature of the Citi Prestige Credit Card. Valid for Citi Prestige Primary Cardholders only. A minimum of 4 consecutive nights\' stay is required in order to enjoy one night on a complimentary basis. The maximum complimentary night\'s stay is one and all other nights will be borne at the cardholder\'s cost. There are no credits for any unused free nights if the guest checks out early. Only one complimentary night is allowed per Citi Prestige Primary Cardholder per room per booking. Complimentary night has no refund value. To qualify for the complimentary night, booking for the services must be made at least 48 hours prior to commencement of stay, and the cardholder who booked the stay must be one of the paying guests. Complimentary night must be utilised during the same stay as the purchased nights; purchased and complimentary nights must be of the same room types. Back-to-back stays are not allowed. Back-to- back stays are stays at the same city/state booked on two reservations (as an example, you book four nights at a hotel on one reservation for Monday, Tuesday, Wednesday and Thursday and book another four nights on another reservation for Friday, Saturday, Sunday and Monday. In this situation, you would only be eligible for one complimentary night for the 8-night stay). Please refer to full Terms and Conditions. 12. Concierge Services is a complimentary service available to the Primary Cardholder of a Citi Rewards Platinum Credit Card. Refer to the Terms and Conditions of the Citibank Rewards Program. Concierge Services provided by Aspire Lifestyles (Australia) Pty Ltd. 13. Complimentary insurance covers are subject to eligibility requirements : AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 of Level 16, 310 Ann Street, Brisbane, OLD 4000 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000122 850 AFSL 234708 of 2 Market Street, Sydney NSW 2000 has issued an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) of 2-26 Park Street, Sydney NSW 2000 which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Insurance Terms and Conditions which may be amended from time to time. Citi does not guarantee this insurance. 14. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 6 months. The 6 month promotional period commences once the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 21.74% p.a. This offer excludes balances transferred from Citibank unsecured credit products. Please note you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. For important information to consider before taking up a balance transfer, please click here. This offer is valid until 31 January 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. **Please note, no interest free days apply to retail purchases while you have a balance transfer.** 15. Citi instalment plans are defined in the Credit Card T&Cs as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing. Your Fixed Payment Option uses part of your existing credit limit. As you pay off your Fixed Payment Option, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. For the full terms and conditions of your Fixed Payment Option, please refer to theCredit Card Terms and Conditions and Other Important Information. 16. Apple Pay works with iPhone 6 and later in stores, in selected apps, and on participating websites in Safari; with Apple Watch in stores and selected apps (requires iPhone 6 or later); with iPad Pro, iPad (5th generation), iPad Air 2, and iPad mini 3 and later in selected apps and on participating websites in Safari; and with Mac (2012 or later) on participating websites in Safari with an Apple Pay-enabled iPhone or Apple Watch. For a list of compatible Apple Pay devices, seesupport.apple.com/en-au/km207l05. You can use Apple Pay in stores/merchants wherever NFC contactless payment is accepted. For certain merchant terminals, a transaction limit may apply. You can also make in-app purchases and websites in Safari where Apple Pay is available as a payment option. Terms and conditionsapply to the use of Apple Pay. Apple, the Apple logo, Apple Pay, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. 17. Conditions apply. Visitcitibank.com.au/dine. 18. Golf Privileges are a Special Feature of the Citi Prestige Credit Card. Three (3) complimentary green fees forCiti Prestige Primary Cardholdersat participating golf clubs per calendar year. Offer is fully subsidised by Visa and not a direct offer from the golf clubs. Offer is valid for Citi Prestige Primary Cardholders only with cards issued within Asia Pacific. Citi Prestige Primary Cardholders are entitled to book and play for a maximum of 3 times per calendar year. Maximum 3 Citi Prestige Primary Cardholders are allowed to use the complimentary green fee per flight. Bookings cannot be made less than 5 calendar days and more than 14 calendar days in advance before day of tee-off. Note that day of tee-off does not count. Citi Prestige Primary Cardholders must follow the terms and conditions of booking set out in the full Terms and Conditions. 19. To earn 10,000 bonus Points, you must request a Linked Diners Club Card during your application process and then make your first spend on the Linked Diners Club Card within the first 90 days from the card approval. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. The bonus Points will be credited within 6 - 8 weeks of meeting the spend criteria. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program and the Linked Diners Club Card Extra Terms Part 3. This offer is valid until 31 January 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 20. No International Transaction Fee is only applicable for transactions made on your Linked Diners Club Card; including on the amounts transferred to your Citi Credit Card. If you make an international transaction using your Citi Credit Card, an International Transaction Fee will be charged (where applicable). © 2019 Citigroup Pty Limited. All rights reserved. ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
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