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Back Rewards Overview Bring the world closer, sooner with the Emirates Citi Platinum Card. Enjoy free access to the Emirates Lounges in Australia and the Marhaba Lounge in Dubai, the convenience of Emirates' chauffeur-drive service when you travel to and from airports in Australia, a generous 1.5 Skywards Miles for every $1 spent and complimentary Travel Insurance. Key Benefits The Emirates Citi Platinum Card has impressive features beyond those offered by other credit cards and exclusive benefits that will have you flying sooner than you can imagine. Earn 1.5 Skywards Miles1 for every dollar (AUD) you spend, up to 50% more miles than most other cards on the market. The Emirates Citi Platinum Card takes you further faster than most other airlines with reward flights on Emirates Skywards’ partnership with Virgin Blue2 allows you to earn Skywards Miles when you fly Virgin Blue as well as redeem your Miles for Virgin Blue flights. You can also redeem your Skywards Miles with Emirates’ hotel and car rental partners or enjoy inspirational shopping at emirateshighstreet.com Enjoy exclusive complimentary lounge3 access in Australia and Dubai for you and a guest, regardless of which class you fly. Experience Emirates’ complimentary Chauffeur-drive service4 to and from any one of four Australian airports. Save in interest repayments with a low rate of 4.9% p.a. for life of the balances transferred5. Take advantage of free international travel and purchase insurance6 and a complimentary 24/7 Personal Concierge service. With an annual fee of only AUD 199, the Emirates Citi Platinum Card represents extraordinary value for money for a card of this kind. Plus, with over 29 million MasterCard locations around the world, you can be assured that your card will always be accepted whether you’re using it overseas or at home. Features Annual Fee ($): $199 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 four Cash Advance Facility: yes Rewards Scheme $1 = 1.5 Citi Miles (Skywards Miles) Apply Now Apply online at www.citibank.com.au/emirates Download an Application Form Download form and fax application to Citibank at 1300 301 304 For Further Information For more information regarding the Emirates Citi Platinum Card please call 1300 183 207

Terms & Conditions

¹ Skywards is the frequent flyer programme operated by Emirates. An Emirates Citi Platinum cardholder must be a member of Skywards to earn Skywards Miles. Membership is free and subject to Skywards terms and conditions. Skywards Miles are earned at a rate of 1.5 miles for every dollar spent on retail purchases. Up to 150,000 Miles can be earned on the card per annum (from the date of account approval).

² Skywards’ Virgin Blue partnership commences 1st December 2008. For full terms and conditions on Skywards and its other airline partners, please visit Skywards.com

³ Emirates Lounge access for the cardholder and guest is restricted to limited Australian airports once per annum on purchasing any Emirates Economy Class flight from Australia on this card. Marhaba Lounge: Access to the Marhaba Lounge in Dubai is provided by MasterCard to Emirates Citi Platinum cardholders and is subject to the terms and conditions specified by MasterCard and Marhaba at http://www.mastercard.com/ae/personal/en/promotions/dubai_airport.html

⁴ Chauffeur-driven transfers to and from Australian airports to an Emirates flight is restricted for Economy Class travellers to once per annum on purchasing an Emirates Economy Class flight on this card. Trans-Tasman flights and group bookings are excluded.

⁵ The 4.9% p.a. interest rate applies for the life of the balances transferred. Balances from an existing Citibank product cannot be transferred under this promotional rate. Transferred balances will be repaid first. Any transactions made other than with this offer are at the standard Credit Card rate, which is variable and subject to change and Citibank’s credit criteria.

⁶ International Travel Insurance and Purchase Cover are underwritten by Zurich Australia Insurance ABN 13 000 296 640 AFSL No. 232507 and are subject to the terms and conditions and exclusions contained in the Policy of Insurance.

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