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Things you should know

Fees and charges apply. Credit criteria apply. New credit card customers only. These offers are not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer.

Refer to the full Terms and Conditions related to these products here. To obtain a copy of the Target Market Determination (TMD) related to these products, click here.

National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to provide transitional services.

Our/us/we means NAB unless the context otherwise requires it. 

“Citi”, “Citibank”, “Citigroup”, the Arc design and all similar trade marks and derivations thereof are used temporarily under licence by NAB from Citigroup Inc. and related group entities.

1. Balance Transfer offers
   Your total Balance Transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer within 3 months from card approval, and the Balance Transfer fee (if applicable) for the advertised promotional period. The promotional period commences once the Balance Transfer is processed. Check the above table to determine the promotional period and any Balance Transfer fees associated with your selected credit card. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance and Balance Transfer fee (if applicable) will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.24% p.a. for Citi Clear Card and 22.99% p.a. for all other cards. This offer excludes balances transferred from Citi branded unsecured credit products. Please note, you will be charged interest on retail purchases while you have a balance transfer. For important information to consider before taking up a Balance Transfer, please click here.
   We may vary or end these offers at any time.
   Citi Premier Card – $600 cashback commenced 20 November 2024.
   Citi Premier Card – $750 Luxury Escapes Gift Card commenced 20 November 2024.
   Citi Clear Card – 0% p.a. for 24 months on balance transfers commenced 20 November 2024.
   Citi Premier Card – 150,000 bonus Citi reward Points commenced 20 November 2024.
   Citi Prestige Qantas Card - 125,000 bonus Qantas Points commenced 20 November 2024.
   Citi Prestige Card - 250,000 bonus Citi reward Points commenced 9 September 2024.

2. Citi Rewards Card – 0% p.a. for 15 months on purchases and balance transfers – Purchases: The promotional rate of 0% p.a. will apply to the retail purchase balance for a promotional period of 15 months, commencing from the date your account is approved. At the end of the promotional period, the variable annual percentage rate for retail purchases, currently 22.49% p.a. will apply to the retail purchase balance. Please note you will not be entitled to any interest-free days on retail purchases at the end of the promotional period whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate.
   Balance Transfers: Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate will apply to balances transferred with this offer within 3 months from card approval, for a period of 15 months, commencing from the date the balance transfer is processed. The balance transfer fee is 2% of the balance transferred and will be debited to your account on the day or the day after your balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance, and balance transfer fee, will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.99% p.a. This offer excludes balances transferred from Citi branded unsecured credit products.  For important information to consider before taking up a balance transfer, please click here.
   Minimum monthly payments required. Payments will be applied to your account as per the Credit Card Terms and Conditions and Other Important Information. Please note that if you make a retail purchase before your balance transfer is processed, payments made during the promotional period will be applied to the retail purchase balance before the balance transfer.
   This offer commenced 28 October 2024. We may vary or end this offer at any time. This offer is not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer.

3. Citi Premier Qantas Card - 100,000 bonus Qantas Points: 70,000 bonus Qantas Points: You will receive 70,000 bonus Qantas Points when you spend a minimum of $6,000 on eligible purchases using your new card within 3 months from approval. Eligible purchases exclude Citi PayAll payments, Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria. The 70,000 bonus Qantas Points will be credited to your Qantas Frequent Flyer membership account within 2 months of meeting the spend criteria. Additional 30,000 bonus Qantas Points: An additional 30,000 bonus Qantas Points will be credited to your Qantas Frequent Flyer membership account within 2 months of your Account being open for 12 months, provided it has been activated by you. Your Citi Premier Qantas Credit Card must remain open, in good standing (for example – your account is not in default, suspended or closed) and enrolled in Citi Qantas Rewards for the bonus Qantas Points to be awarded. All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Qantas Points are defined in the Citi Rewards and Citi Qantas Rewards Program Terms and Conditions as Qantas Frequent Flyer Points. You must be a member of the Qantas Frequent Flyer Program and provide your membership number to us. A joining fee may apply. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions, available at qantas.com/terms. This offer commenced 20 November 2024. We may vary or end this offer at any time. This offer is not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer.

4. Annual fee
   Citi Rewards Card – 100,000 bonus Citi reward Points: Subject to your acceptance you will be billed an annual fee of $99 for the first year in accordance with our Credit Card Terms and Conditions and Other Important Information. This will revert to $199 for subsequent years. This offer applies to the primary cardholder only. For additional cardholders an annual fee also applies, currently $90 per card. Annual fees are subject to change. This offer commenced 22 February 2024. We may vary or end this offer at any time.
   Citi Rewards Card – $400 Luxury Escapes Gift Card: Subject to your acceptance you will be billed an annual fee of $99 for the first year in accordance with our Credit Card Terms and Conditions and Other Important Information. This will revert to $199 for subsequent years. This offer applies to the primary cardholder only. For additional cardholders an annual fee also applies, currently $90 per card. Annual fees are subject to change. This offer commenced 16 July 2024. We may vary or end this offer at any time.
   Citi Premier Card – $750 Luxury Escapes Gift Card: Subject to your acceptance you will be billed an annual fee of $150 for the first year in accordance with our Credit Card Terms and Conditions and Other Important Information. This will revert to $300 for subsequent years. Annual fees are subject to change. If you subsequently opt out of Citi Rewards and into Citi Qantas Rewards an annual fee of $350 will apply to your account instead. This offer commenced 20 November 2024. We may vary or end this offer at any time.

5. Citi Rewards Card – 100,000 bonus Citi reward Points: To be eligible to receive 100,000 bonus Citi reward Points, you must spend a minimum of $5,000 on eligible purchases using your new card within 3 months from approval. Eligible purchases exclude Citi PayAll payments, Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria. The 100,000 bonus Citi reward Points will be credited to your Rewards Balance within 2 months of meeting the spend criteria. All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Your Citi Rewards Card must remain open, in good standing (for example – your account is not in default, suspended or closed) and enrolled in the Citi Rewards program for the bonus Citi reward Points to be awarded. This offer commenced 22 February 2024. We may vary or end this offer at any time. This offer is not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer.

6. Citi Premier Card – $600 Cashback: To be eligible to receive $600 cashback, you must spend a minimum of $2,000 on eligible purchases using your new card through Apple Pay or another eligible digital wallet within 3 months from approval. Excludes Citi PayAll payments, Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria. "Another eligible digital wallet" means Samsung Pay or Google Pay. Cashback will be credited to your Account within 4 months of meeting the spend criteria. Your Citi Premier Card must remain open and in good standing (for example – your account is not in default, suspended or closed) to receive the cashback. Cashback will reduce the outstanding balance of your account but will not count towards your next monthly repayment obligation. Please note, you will be charged interest on retail purchases while you have a balance transfer. This offer commenced 20 November 2024. We may vary or end this offer at any time. This offer is not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer.

7. Citi Simplicity Card - 0% p.a. for 6 months on purchases and balance transfers - Purchases: The promotional rate of 0% p.a. will apply to the retail purchase balance for a promotional period of 6 months from the date your account is approved. At the end of the promotional period, the variable annual percentage rate for retail purchases, currently 22.49% p.a., will apply to the retail purchase balance. Please note you will not be entitled to any interest-free days on retail purchases at the end of the promotional period whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate.
   Balance Transfers: Your total balance transfers may not exceed 80% of your credit limit. The promotional rate of 0% p.a. will apply to balances transferred with this offer within 3 months from card approval for a promotional period of 6 months. The 6 month promotional period commences once the balance transfer is processed. At the end of the balance transfer promotional period, the interest rate on any outstanding transferred balance will revert to the variable annual percentage rate for cash advances, currently 22.99% p.a. This offer excludes balances transferred from Citi branded unsecured credit products. For important information to consider before taking up a balance transfer, please click here. Minimum monthly payments required. Payments will be applied to your account as per the Credit Card Terms and Conditions and Other Important Information. Please note that if you make a retail purchase before your balance transfer is processed, payments made during the promotional period will be applied to the retail purchase balance before the balance transfer. This offer commenced 22 February 2024. We may vary or end this offer at any time.

8. Citi Premier Card – 150,000 bonus Citi reward Points: 120,000 bonus Citi reward Points: You will receive 120,000 bonus Citi reward Points when you spend a minimum of $7,000 on eligible purchases using your new card within 3 months from approval. Eligible purchases exclude Citi PayAll payments, Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria. The 120,000 bonus Citi reward Points will be credited to your Rewards Balance within 2 months of meeting the spend criteria. Additional 30,000 bonus Citi reward Points: An additional 30,000 bonus Citi reward Points will be credited to your Rewards Balance within 3 months of your Account being open for 12 months, provided it has been activated by you. All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Your Citi Premier Card must remain open, in good standing (for example – your account is not in default, suspended or closed) and enrolled in the Citi Rewards program for the bonus Citi reward Points to be awarded. Please note, you will be charged interest on retail purchases while you have a balance transfer. This offer commenced 20 November 2024. We may vary or end this offer at any time. This offer is not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer.

9. Citi Prestige Qantas Card - 125,000 bonus Qantas Points: To be eligible to receive 125,000 bonus Qantas Points, you must apply for a new Citi Prestige Qantas Card before the offer is withdrawn, be approved and spend a minimum of $10,000 on eligible Retail Purchases using your new Card within 3 months from approval. Eligible purchases exclude Citi PayAll payments, Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria.  The bonus Qantas Points will be credited to your Qantas Frequent Flyer membership account within 2 months of meeting the spend criteria. Your Citi Prestige Qantas Card must remain open, in good standing (for example – your account is not in default, suspended or closed) and enrolled in Citi Qantas Rewards for the bonus Qantas Points to be awarded.  All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Qantas Points are defined in the Citi Rewards and Citi Qantas Rewards Program Terms and Conditions as Qantas Frequent Flyer Points. You must be a member of the Qantas Frequent Flyer Program and provide your membership number to us. A joining fee may apply. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions, available at qantas.com/terms. Please note, you will be charged interest on retail purchases while you have a balance transfer. This offer commenced 20 November 2024. We may vary or end this offer at any time. This offer is not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer.

10. Citi Prestige Card - 250,000 bonus Citi reward Points: To be eligible to receive 250,000 bonus Citi reward Points, you must spend a minimum of $10,000 on eligible purchases using your new card within 3 months from approval. Eligible purchases exclude Citi PayAll payments, Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria. The bonus Citi reward Points will be credited to your Rewards Balance within 2 months of meeting the spend criteria. Your Citi Prestige Card must remain open, in good standing (for example – your account is not in default, suspended or closed) and enrolled in the Citi Rewards program for the bonus Citi reward Points to be awarded. All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Please note that if you have a balance transfer you will not be entitled to any interest free days on retail purchases. This means that all spend will be charged interest at the applicable annual percentage rate. This offer commenced 9 September 2024. We may vary or end this offer at any time. This offer is not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer.

11. Citi Rewards Card - 100,000 bonus Flybuys points: New Citi Rewards Credit Card customers only and cannot be used in conjunction with any other offers. To be eligible to receive 100,000 bonus Flybuys points, you must be a Flybuys member, apply for the Citi Rewards Credit Card by 3 February 2025, have your application approved, then spend a minimum of $5,000 on eligible purchases using your new card within 3 months from approval. Eligible purchases exclude Citi PayAll payments, Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria. $199 annual credit card fee applies. Offer can only be redeemed once per customer. NAB will request your Flybuys member number from you via email within 2 months of you meeting the spend criteria. The Flybuys points will be credited to your Flybuys account within 2 months from the date NAB receives your Flybuys member number. Your Citi Rewards Credit Card must remain open and in good standing (for example – your account is not in default, suspended or closed) to receive the Flybuys points. If you do not provide NAB with your Flybuys member number within 2 months from NAB first requesting it, NAB reserve the right to credit the equivalent amount of Citi reward Points to your Citi Rewards Credit Card. Offer limited to one allocation of 100,000 bonus Flybuys points per member. Flybuys points are administered by Loyalty Pacific Pty Ltd and subject to the Flybuys Terms and Conditions which are available at flybuys.com.au. This offer ends 3 February 2025. Post this advertised date; NAB reserve the right to continue, withdraw or change the offer at any time without notice. Loyalty Pacific Pty Ltd (ABN 82 057 931 334) (trading as Flybuys) receives payment from NAB for the Flybuys points that its members earn in connection with this offer.

12. Citi Rewards Card - 100,000 bonus Flybuys points: The promotional rate of 0% p.a. will apply to the retail purchase balance for a promotional period of 6 months, commencing from the date your account is approved. At the end of the promotional period, the variable annual percentage rate for retail purchases, currently 22.49% p.a. will apply to the retail purchase balance. This offer ends 3 February 2025. Post this advertised date; NAB reserve the right to continue, withdraw or change the offer at any time without notice.

13. Citi Premier Card - $750 Luxury Escapes Gift Card: To be eligible to receive a $750 Luxury Escapes Gift Card, you must spend a minimum of $7,000 on eligible purchases using your new card within 3 months from approval. Eligible purchases exclude Citi PayAll Payments, Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria. If you have previously received or are entitled to receive a $750 Luxury Escapes Gift Card under this offer you will not be eligible to receive another $750 Luxury Escapes Gift Card. The gift card along with a unique gift card code will be sent to you within 2 months of meeting the spend criteria, to the email address maintained with your credit card account. Your Citi Premier Card must remain open and in good standing (for example – your account is not in default, suspended or closed) to receive the gift card. You must be a registered member of Luxury Escapes to redeem the gift card. The gift card will only be redeemable to purchase featured Luxury Escapes packages. The gift card cannot be used to purchase airfares, insurance or any other ancillary products or services not included in a featured product. The gift card will expire 3 years from the date of issue. The gift card is not redeemable for cash. Terms and Conditions of Use apply to the redemption of Luxury Escapes Gift Cards. Please note, you will be charged interest on retail purchases while you have a balance transfer. This offer commenced 20 November 2024. We may vary or end this offer at any time. This offer is not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer.

14. Citi Rewards Card - $400 Luxury Escapes Gift Card: To be eligible to receive a $400 Luxury Escapes Gift Card, you must apply for a new Citi Rewards Card before the offer is withdrawn, be approved and spend a minimum of $5,000 on eligible purchases using your new Card within 3 months from approval. Eligible purchases exclude Citi PayAll payments, Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria. If you have previously received or are entitled to receive a $400 Luxury Escapes Gift Card under this offer you will not be eligible to receive another $400 Luxury Escapes Gift Card. The gift card along with a unique gift card code will be sent to you within 2 months of meeting the spend criteria, to the email address maintained with your credit card account. Your Citi Rewards Card must remain open and in good standing (for example – your account is not in default, suspended or closed) to receive the gift card. You must be a registered member of Luxury Escapes to redeem the gift card. The gift card will only be redeemable to purchase featured Luxury Escapes packages. The gift card cannot be used to purchase airfares, insurance or any other ancillary products or services not included in a featured product. The gift card will expire 3 years from the date of issue. The gift card is not redeemable for cash. Terms and Conditions of Use apply to the redemption of Luxury Escapes Gift Cards. This offer commenced 16 July 2024. We may vary or end this offer at any time. This offer is not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer.

15. Citi Premier Card – 110,000 Velocity Points via Points Autosweep: To be eligible to receive 110,000 bonus Velocity Points (automatically redeemed from 220,000 Citi reward Points), you must apply for a new Citi Premier Credit Card before the offer is withdrawn spend a minimum of $8,000 on eligible purchases using your new card within 3 months from approval and provide your Velocity membership number to us to enrol in Points Autosweep. Eligible purchases exclude Citi PayAll payments, Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria. You will receive an email from us two months after you have met the spend criteria with information on how to provide your Velocity membership number to us to enrol in Points Autosweep. 220,000 Citi reward Points (equivalent to 110,000 Velocity Points) will be credited to your Citi Rewards Balance within 2 months of meeting the spend criteria and automatically transferred to Velocity on the date nominated by you, provided you have enrolled in Points Autosweep. Once transferred, it may take up to 1 month for the Velocity Points to appear in your Velocity account. Your Citi Premier Credit Card must remain open and in good standing (for example – your account is not in default, suspended or closed), for the Citi reward Points to be awarded and transferred. Membership of Velocity Frequent Flyer and ensuring your Velocity account is valid as at the date of transfer is your responsibility. The redemption of Citi reward Points will be administered solely by us and are subject to the Terms and Conditions of the Citi Rewards Program. Velocity membership and Velocity Points earn and redemption are subject to the Velocity membership Terms and Conditions, as amended from time to time, available at https://www.velocityfrequentflyer.com/member-support/terms-conditions. This offer commenced 28 November 2024. We may vary or end this offer at any time. This offer is not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer.

• *Mobile Phone Protection Insurance (Cover) is provided under and by way of a group policy (Group Policy) issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. This Cover is available to Cardholders ("you/your") while you remain an eligible Mastercard and/or Visa cardholder of NAB, subject to NAB’s and AIG's right to alter the Cover. The terms, conditions and excluded cover are specified in the 'Citi Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions' as amended from time to time. When eligible, you have the benefit of cover as a third party beneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. Neither Citi nor NAB is the issuer or insurer of the Cover. Neither Citi nor NAB nor any of its related corporations guarantee any of the benefits under the Cover. Please note that you must have a contract with a mobile phone provider and a monthly automatic billing arrangement.

• +Points earn rate: All rewards are subject to the Terms and Conditions of the Citi Qantas Rewards Program. Citi Premier Qantas Credit Card earns 1 Point per $1 for Eligible Transactions made online, 0.5 Point per $1 spent everywhere else on eligible Domestic Spend and 1 Point per $1 spent on eligible International Spend. The points earn is capped at 100,000 points over a 12 month period. The annual cap will reset on your next statement cycle date following the anniversary of your enrolment to your Rewards program. The Citi Premier Qantas Card earns 0.5 Points per $1 on Citi PayAll payments. Citi PayAll Payments are for Domestic Spend only, International Spend is excluded. Domestic Spend and International Spend means any Eligible Transaction made with a merchant who respectively tells us they are located within Australia or outside Australia. Points do not expire while the card remains open and in good standing (for example – your account is not in default, suspended or closed). Qantas Points are defined in the Citi Rewards and Citi Qantas Rewards Program Terms and Conditions as Qantas Frequent Flyer Points. Qantas Points are earned in accordance with the Citi Qantas Rewards Program Terms and Conditions. You must be a member of the Qantas Frequent Flyer Program and have advised us of your Qantas Frequent Flyer Program membership number before you can participate in Citi Qantas Rewards. You will only earn Qantas Frequent Flyer Points after you advise us of your Qantas Frequent Flyer Program membership number. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions, available at qantas.com/terms. Your Rewards Balance will be automatically redeemed for Qantas Frequent Flyer Points at the end of each Statement Period. It may take 28 business days for the Qantas Frequent Flyer Points to appear in your Qantas Frequent Flyer membership account. Transactions made indirectly with the online merchants (e.g. through a third party provider such as BPAY and PayPal), mobile wallet or recurring payments are not eligible for the higher earn rate. Please note, a transaction qualifies as an Eligible Transaction made online if it is made via the internet or a mobile application, which is reflected as an online transaction by system indicators and processed by the respective merchants/ acquirers as an online transaction through Visa/Mastercard networks. If a transaction with an online merchant is not classified as an online transaction by the card scheme, it will not be treated as an online transaction for calculating Points. The annual cap will reset on your next statement cycle date following the anniversary of your enrolment to your Rewards program. Please click here for the full definition of Eligible Transactions. The cap includes Points earned on Domestic and International spend.

• &Points earn rate: All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Citi Premier Credit Card earns 2 Points per $1 for Eligible Transactions made online, 1 Point per $1 spent everywhere else on eligible Domestic Spend and 2 Points per $1 spent on eligible International Spend. The Points earn is capped at 200,000 points over a 12 month period. The annual cap will reset on your next statement cycle date following the anniversary of your enrolment to your Rewards program. The cap includes points earned on Domestic and International spend. The Citi Premier Card earns 1 Point per $1 on Citi PayAll payments. Citi PayAll Payments are for Domestic Spend only, International Spend is excluded. Domestic Spend and International Spend means any Eligible Transaction made with a merchant who respectively tells us they are located within Australia or outside Australia. Points do not expire while the card remains open and in good standing (for example – your account is not in default, suspended or closed). Transactions made indirectly with the online merchants (e.g. through a third party provider such as BPAY and PayPal), mobile wallet or recurring payments are not eligible for the higher earn rate. Please note, a transaction qualifies as an Eligible Transaction made online if it is made via the internet or a mobile application, which is reflected as an online transaction by system indicators and processed by the respective merchants/ acquirers as an online transaction through Visa/Mastercard networks. If a transaction with an online merchant is not classified as an online transaction by the card scheme, it will not be treated as an online transaction for calculating Points. The annual cap will reset on your next statement cycle date following the anniversary of your enrolment to your Rewards program. Please click here for the full definition of Eligible Transactions. The cap includes Points earned on Domestic and International spend.

• ø4th Night on Us: The promo code "CitiPrestige" must be applied at checkout to redeem the benefit. 4th Night on Us benefit is capped at 4 redemptions per calendar year and bookings must be made and used in the same calendar year. The credit amount is capped at $1,000 per redemption. 4th Night on Us is a special feature of the Citi Prestige Credit Card. Valid for Citi Prestige Primary Cardholders only. A minimum of 4 consecutive nights' stay is required in order to receive a credit for one night. This benefit cannot be used in conjunction with other offers/benefits. The credit value of the one night is calculated as the average nightly room rate for the total nights' stay. Only one credit amount will be paid per Citi Prestige Primary Cardholder per room per booking. Booking for the accommodation must be of the same room types. Back-to-back stays are not allowed. Back-to-back stays are stays at the same city/state booked on two reservations (as an example, you book four nights at a hotel on one reservation for Monday, Tuesday, Wednesday and Thursday and book another four nights on another reservation for Friday, Saturday, Sunday and Monday. In this situation, you would only be eligible for one complimentary night for the 8-night stay). Between each booking, a minimum of a 7-day window is required. Luxury Escapes Pty Ltd pays a commission to National Australia Bank for certain booking types. Offer is renewed each year unless we notify you otherwise. Please refer to the full Terms and Conditions for further information.

• $Luxury Escapes: 10% discount is valid on 'Limited Time LUX Exclusive' hotel offers (excludes flights) at  luxuryescapes.com/au or on the Luxury Escapes mobile app until 1 March 2025. Offer valid at Australian website only. Offer is valid exclusively to Citi branded credit cardholders and is not transferable. For Citi Prestige credit cards the maximum discount available per transaction is $500 for Limited Time Lux Exclusive hotel offers. To be eligible, customers must use their Citi Prestige Card at the checkout along with the promo code PRESTIGECITI10 when purchasing a Limited Time LUX Exclusive hotel offer and the discount will be applied automatically. For all other Citi branded credit cards the maximum discount available per transaction is $250. To be eligible, customers must use their Citi branded credit card at the checkout along with the promo code CITI10, and the discount will be applied automatically. Excludes transactions made through a third-party establishment or payment processor. Offer is not valid on flights, LUX Partner Properties, LUX Premium Collection, Last Minute Escapes, Tours, Cruises, Experiences or Gift Cards. Offer is not combinable with any other discount or offer.

• ∞Airport lounge access: One complimentary digital Priority Pass™ Standard Membership, with two complimentary lounge visits, for the primary cardholder is a Special Feature of the Citi Premier Card. Citi Premier Cardholders must enrol for the Priority Pass™ Standard Membership at www.prioritypass.com/premieraumc and follow the prompts. You will need to download the Priority Pass™ App via the Apple App Store or get it on the Google Play Store to access your Digital Membership Card. The first two visits within each 12-month membership period from registration (membership year) are complimentary to the primary cardholder only, after which any additional visits by you and visits by your guests will be charged directly to you by Priority Pass™ at their ordinary standard rates. Unused visits cannot be carried forward to the following membership year. The total number of complimentary visits will be reset to two at the beginning of each membership year while you remain a Citi Premier Cardholder. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass™ is available at select airports. For the full list of up-to-date airport lounges and Priority Pass™ Conditions of Use please refer to www.prioritypass.com.

• ≥Unlimited airport lounge access: One complimentary digital Priority Pass™ Membership, with unlimited lounge visits, for the primary cardholder is a Special Feature of the Citi Prestige Card. Citi Prestige Credit Cardholders must enrol for the Priority Pass™ Standard Membership at www.prioritypass.com/prestigeaumc. The primary cardholder may bring one guest for free per visit. Any additional guests will be charged directly by the lounge. You will need to download the Priority Pass™ App via the Apple App Store or get it on the Google Play Store to access your Digital Membership Card. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass™ is available at select airports. For the full list of up-to-date airport lounges and Priority Pass™ Conditions of Use please refer to www.prioritypass.com along with the Citi Prestige Credit Card Benefit Terms and Conditions for further information.

• ∆My Cashback offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). For more information, visit the My Cashback page.

• »Pay with Points is available on eligible purchases. An eligible purchase is a transaction we will present to you in your Citi Mobile^® App or Citi Online that can be paid by redeeming your reward Points. The types of transactions that may be paid by redeeming your reward Points may change and we will present these to you in the Citi Mobile^® App or Citi Online. The estimated Pay with Points value in the above examples are based on current redemption rates as at 28 October 2024 and is subject to change.

• <Interest free period: The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any Fixed Payment Option balance which isn’t due for payment by that payment due date). No interest free period is available on Cash Advances or Balance Transfers. Whilst you have a Balance Transfer you will be charged interest on your daily unpaid balance.

• §Points transfer: You must be a member of the Airline, Hotel and Other Loyalty Program in which you wish to claim Airline, Hotel and Other Loyalty Points and have advised us of your airline and hotel loyalty program membership number prior to any such redemption. Membership of an airline and hotel loyalty program will be subject to the terms and conditions of that program. Airline, Hotel and Other Loyalty Points may take up to 28 business days to appear in your Airline, Hotel and Other Loyalty Program membership account.

• >Apple Pay works with iPhone 6 and later in stores, in selected apps, and on participating websites in Safari; with Apple Watch in stores and selected apps (requires iPhone 6 or later); with iPad Pro, iPad (5th generation), iPad Air 2, and iPad mini 3 and later in selected apps and on participating websites in Safari; and with Mac (2012 or later) on participating websites in Safari with an Apple Pay enabled iPhone or Apple Watch. For a list of compatible Apple Pay devices, see support.apple.com/en-au/102896. You can use Apple Pay in stores/merchants wherever NFC contactless payment is accepted. For certain merchant terminals, a transaction limit may apply. You can also make in-app purchases and websites in Safari where Apple Pay is available as a payment option. Terms and conditions apply to the use of Apple Pay. Apple, the Apple logo, Apple Pay, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.

• ^Citi Instalment Plans are defined in the Credit Card T&Cs as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). Your Fixed Payment Option uses part of your existing credit limit. As you pay off your Fixed Payment Option, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. For the full terms and conditions of your Fixed Payment Option, please refer to the Credit Card Terms and Conditions and Other Important Information.

• ~Complimentary Insurance covers are subject to eligibility requirements: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.