* The home loan indicative annual saving is calculated using the interest savings from the Citibank reference rates against the Citibank mortgage plus discounted rate based on the loan amount and estimated property value you have entered.

1. Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
2. Each Emirates Citibank Platinum Cardholder is automatically provided one complimentary Emirates Lounge Voucher per year for the Primary Cardholder and one guest to access any Emirates Lounge in Australia when travelling on the same Emirates flight that you have purchased with your Emirates Citibank Platinum card. Entry to the Emirates Lounge in Australia prior to your Emirates flight will be granted upon presentation of a valid voucher for the Cardholder and his/her guest. The guest voucher can be used for one accompanying adult or one child only. Additional guest entry will not be permitted. Emirates Lounges are administered by Emirates and/or third parties for Emirates. Citibank accepts no liability for this benefit.
3. Chauffeur-driven transfers to and from Australian airports for Emirates Citibank customers travelling in Economy Class on an Emirates flight is restricted to once per calendar year on purchasing an Emirates long-haul flight with your Emirates Citibank Platinum Card by the primary card holder. Maximum capacity per car is two adults, with total luggage limit of two suitcases plus one carry-on bag per adult. Additional charges apply if a larger vehicle or infant car seat is required. Excludes flights to New Zealand, Skywards Miles redemption tickets, travel industry tickets and group bookings. Mileage restrictions apply, for details visit www.emirates.com/au. This service must be booked at least 72 hours prior to departure by calling Emirates on 1300 303 777. The Emirates Citibank Platinum Cardholder must be travelling on the booked flight to be eligible for the complimentary Chauffer-drive service. Chauffeur-drive is provided by Emirates and their authorised third parties to Emirates Citibank Platinum Cardholders. Citibank accepts no liability for this service.
4. One complimentary Priority Pass membership for the primary card holder is a special feature of Citibank Select. The primary card holder is entitled to unlimited visits to Priority Pass™ lounges and may bring one guest per visit. Any additional guests will be charged directly by the lounge. The membership is subject to the Priority Pass™ Conditions of Use available at www.prioritypass.com. Once you have activated your Citibank Select card please allow up to 15 working days for your Priority Pass™ card to arrive in the mail. Please note that Priority Pass is not currently available at any Australian airport other than Melbourne International Airport.
5. 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.
6. Terms, conditions and blackout dates apply. Hotel night stay is subject to availability, for one night and is on a room only basis unless otherwise indicated. Full conditions available at citibank.com.au/citiselect. Must be booked through Citibank Travel Program service call centre, operated by Pinpoint Travel Group Pty Ltd. Licence No.2TA002974. Not available to customers enrolled in airline frequent flyer direct earn rewards programs.
7. One complimentary Priority Pass™ Standard Membership, with two complimentary lounge visits, for the primary cardholder is a special feature of the Signature card. Signature cardholders must enrol for the Priority Pass Standard Membership at prioritypass.com/citibankaus. Once you have enrolled, please allow up to 15 working days for your Priority Pass card to arrive in the mail. Standard Membership includes one complimentary visit to a Priority Pass lounge and you will automatically receive a second complimentary visit which you may use by presenting your card at the lounge. The first two visits within each 12-month membership period are complimentary to the primary cardholder only, after which any additional visits by you and any visits by your guests will be charged directly to you by Priority Pass at their ordinary price. Unused visits cannot be carried forward to the following membership year. The total number of complimentary visits will be reset two at the beginning of each membership year while you remain a Signature cardholder. Please note that Priority Pass is not currently available at any Australian airport other than Melbourne International Airport. Membership is subject to the Conditions of Use available at www.prioritypass.com
8. International Travel Insurance, Extended Warranty Insurance, Transit Accident Insurance, Interstate Flight Inconvenience Insurance, Guaranteed Pricing Scheme 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.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.

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