Subject to your acceptance you will be billed an annual account fee which is currently $149 for the Primary Citibank Gold Card, and $30 for an Additional Citibank Gold Card. Allow up to 15 working days to process your Application subject to verification.

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

1.All Rewards are subject to the Terms and Conditions of the Citibank Rewards Program. Citibank reward points are not earned on Balance Transfers and Cash Advances. Citibank reward points never expire as long as your account remains open and in good standing. Bonus Points are earned on purchases made at participating Australian Bonus Partner retailers only. The Bonus Partner program is only available to Citibank Rewards Credit Cards, Citibank Gold, Citibank Select and CitiBusiness cardholders participating in Citibank's standard rewards program. It is not available to cardholders who enrol in airline frequent flyer direct earn rewards programs.

2. 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. This offer is available only at participating partner restaurants for dine-in customers who order a minimum of a main course per person or spend over $50 in participating yum cha restaurants, 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. Program not to be used in conjunction with any other offer.

3. 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.

4. International Travel Insurance, Extended Warranty Insurance, Transit Accident Insurance (for overseas travel), Purchase Cover Insurance, Guaranteed Pricing Scheme and Interstate Flight Inconvenience 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.

5. 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.

© 2011 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.