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Back Rewards Overview Enjoy the freedom and luxury of higher levels of credit, exclusive privileges and an extensive choice of rewards no other credit card can match. Key Benefits Accepted at over 29 million locations around the world Low introductory interest rate of 4.9% for the life of the balance transferred1 Credit Limits up to $100,0002 Platinum Personalised Rewards - Choose your own Rewards. Anything you can imagine is part of your Rewards program3. Platinum Concierge - for when you don't have the time or the right connections. Citibank World Privileges4 - includes discounts and upgrades at hotels, shopping centres, spas and restaurants just for using your Citibank Platinum card. Complimentary Purchase Cover5 - use your Citibank Platinum Card for personal items and have them repaired or replaced when lost, damaged or stolen up to 90 days after purchase. Option to join Citi Qantas Rewards6 - For every dollar you spend, you earn 1 Citi Rewards point which will be automatically transferred to your Qantas Frequent Flyer account monthly. 1 Citi Rewards point = 1 Qantas Frequent Flyer point. Complimentary International Travel Insurance5 - substantially higher coverage than other credit cards. Priority Customer Service and complete account management via phone or internet. Features Annual Fee ($): $250 for primary card + $90 for additional card Annual Interest Rate (%): Currently 19.99% p.a. Interest Free Days (up to): Up to 55 days Additional Cards: Up to 4 Cash Advance Facility: yes Rewards Scheme $1 = 1 Citibank Rewards point Apply Now Apply online at www.citibank.com.au For Further Information 13 24 84

1. Citibank Credit Cards are currently offering an introductory rate of 4.9% p.a. for the life of balance transfers. Balances transferred are repaid before other cash advances and retail purchases. Transactions made other than with this offer will be subject to interest at Citibank's standard Platinum credit card rate, currently 19.99% p.a. which is variable, subject to change and Citibank's credit criteria. Interest rate last updated 1/12/2008.

2. Actual credit limit will be assigned based on Citibank credit criteria.

3. Redemption of Platinum Rewards are subject to the Terms and Conditions of the Citibank Platinum Rewards Program.

4. Citibank World Privileges - payment must be made using Citibank Credit Cards. 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 worldprivileges.citibank.com for up to date offer details.

5. International Travel Insurance 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. 233507 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.

6. The annual Citi Qantas Rewards fee is $19. Subject to the Terms and Conditions of the Citi Qantas Rewards Program. Membership of Citi Qantas Rewards does not entitle you to membership of the Qantas Frequent Flyer program. You must apply separately to Qantas for this. Once Qantas Frequent Flyer points have been credited to your Qantas Frequent Flyer account they cannot be reversed. You must be a member of the Qantas Frequent Flyer program in order to earn or redeem Qantas Frequent Flyer points. Membership and points of the Qantas Frequent Flyer program are subject to the terms and conditions of that program. A joining fee applies.

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