NEW CREDIT CARD OFFERS

• Up to $60,000 credit limit2 and up to 55 days interest free
• Complimentary Business Concierge service
• Free International travel insurance4
• Worldwide acceptance with VISA

Terms and Conditions

Terms and Conditions, Fees and charges apply and are available on request by dialling 1800 085 655.

Subject to your acceptance you will be billed an annual account fee which is currently $130 for the Primary CitiBusiness Card, and $30 for an Additional CitiBusiness card. Allow up to 15 working days to process your Application subject to verification.

1. The 7.99% p.a. interest rate only applies to balances transferred with this offer for a period of 6 months. Balances transferred are repaid before other cash advances and retail purchases. Transactions made other than with this offer will be subject to Citibank’s CitiBusiness credit card rate, currently 19.99% p.a which is variable, subject to change and Citibank’s credit criteria. Interest rate current as at 01/12/2008

2. Actual credit limit will be assigned based on Citibank credit criteria.
3. All Rewards are subject to the Terms and Conditions of the Citibank Rewards Program. Cash advances do not earn Reward points. Reward points never expire while the card remains open.

4. International Travel Insurance is underwritten by Zurich Australia Insurance Limited (ABN 13 000 296 640 AFSL No. 232507) 5 Blue Street, North Sydney, NSW, 2060, and is subject to the Terms and Conditions and exclusions contained in the Policy of Insurance. Please check the Policy conditions to ensure eligibility for cover. As these services are provided by third parties, Citibank accepts no responsibility for their availability, quality, use or the result of any medical, legal or transportation facilities. The Cardholder shall be responsible for the payment of these services. Please refer to the Terms and Conditions full explanation of cover and exclusions.

© 2008 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098. Citibank, Citi, Citi never sleeps and Arc Design are registered service marks of Citigroup Inc.

• 1.5 Skywards Miles per $1 spent1
• 5,000 bonus miles on card activation
• Complimentary lounge access in Australia and Dubai2
• Complimentary Chauffeur-drive service to and from Australian airports

3

• 3.9% p.a. for life on the balances transferred4
• Lower annual fee than competing airline cards at $199
• ity to earn and redeem Skywards Miles on Virgin Blue flights5
• international travel and purchase cover insurance6
• rnational award-winning airline that flies to over 100 destinations on six continents
• Personal Concierge around the world7

The flight rewards featured below are for some of the most popular destinations8 that Emirates flies to. Take up the new Emirates Citi Platinum Card now, so you can bring the world closer, sooner.

Terms and Conditions

Terms and conditions, fees and charges apply and are available on request.
1. 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. Skyward 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 per annum on the card (from the date of account approval).
2. Emirates Lounges: Emirates Lounge access for the primary cardholder and guest is restricted to limited Australian airports once per annum on purchasing any class of Emirates flight from Australia with the Emirates Citi Platinum Card. This is in addition to existing First and Business Class benefits. For additional terms and conditions, please visit www.emirates.com/au. Marhaba Lounge: Access to the Marhaba Lounges 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 mastercard.com/ae/personal/en/promotions/dubai_airport.html
3. Chauffeur-driven transfers to and from Australian airports to an Emirates flight are restricted for Economy Class travellers to once per annum on purchasing an Economy Class ticket with the Emirates Citi Platinum Card. Distance limits apply. Trans-Tasman flights and group bookings are excluded. For full terms and conditions, please visit www.emirates.com/au.
4. The 3.9% p.a. interest rate applies for the life of the balances transferred. Balances from an existing Citibank product can not 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, currently at 20.74% p.a., which is variable and subject to change and Citibank’s credit criteria.
6. International Travel, Travel Accident, Extended Warranty and Purchase Cover Insurance 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.
7. Concierge Services- you will be informed of the cost and options, if available, before any booking or purchase is made for you. Concierge Services will not incur costs on your behalf unless your prior consent has been received. Any ticket purchases once authorised and confirmed by you will be deemed as non-refundable on non-exchangeable items.
8. As at November 2008

With Citibank Clear Platinum the benefits are there right from day one and every day after that. Give yourself a touch of prestige with the platinum card that offers you a low interest rate and instant rewards.

Add to that a rate of 0% p.a. on balance transfers for the first 6 months1 and Citibank Clear Platinum is your passport to a more rewarding lifestyle.

Apply now to upgrade your benefits:

• A low 12.49% p.a. on purchases1 and a low annual fee of $85 p.a.2
• Access to limited edition entertainment experiences through Visa Platinum Privileges3
• Access to Visa Concierge that gets you anything at anytime4
• Get up to 25% off5 on retail shopping, travel and dining through Citibank World Privileges
• Free International Travel Insurance6

Term and Conditions

Terms and conditions (available on request) and fees and charges apply.
*Citibank Credit Cards are currently offering an introductory rate of 0% p.a. for 6 months on 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 Clear Platinum Credit Card rate, currently 12.49% p.a. for purchases and 20.74% p.a. for cash advances which is variable, subject to change. Interest rates are variable subject to change and Citibanks Credit Criteria. Interest rates last updated 16/11/2008.

• Interest rate - 19.74% p.a. purchases
• Balance transfer rate - 5.99% p.a. for five months
• Interest-free period up to 55 days
• Annual fee $114

Awards & Features

• For a limited time get double points on all spend when you are approved for a Gold card
• Use your rewards for travel, hotels, shopping vouchers and even donations to charities
• Travel easy with Travel Plus, our exclusive booking service, using your award points

• Interest rate - 12.24% p.a. purchases
• Balance transfer rate - 5.99% p.a. for five months
• Up to 55 days interest free on purchases
• Annual fee $48

Awards & Features

• Competitive low rate
• Complimentary additional card for a family member or friend
• Global acceptance

• No annual fee for Commonwealth Bank customers who take up a new Low Fee credit card and spend $1000 or more per year.
• Annual fee $24
• Balance transfer rate - 5.99% p.a. for five months
• Interest-free period
  up to 55 days
• Interest rate - 18.99% p.a. on purchases

Awards & Features

• Enjoy the convenience of a complimentary additional card for a family member or friend
• Enjoy hassle free shopping online and while travelling overseas
• Secure Internet Shopping protects you against online card fraud, 24 hours a day, 7 days a week