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Credit Card Terms and Conditions and Other Important Information

Notice of changes to Citi PayAll for all Citi Credit Cards - effective 20 January 2025

Citi Rewards and Citi Qantas Rewards Program Terms and Conditions for Citi Premier and Citi Prestige Cardholders

Notice of changes to Citi PayAll for Citi Prestige Credit Card and Citi Premier Credit Card - effective 20 January 2025

Citi Prestige Credit Card Benefit Terms and Conditions

Citi Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions

Citi Credit Cards Complimentary Insurance Policy Information Booklet – effective 1 November 2023

Citigroup Pty Limited Credit Assistance Provider Credit Guide

^ 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. Cardholders can use their lounge visit entitlement to receive AUD$36 off the bill. 1. Each AUD$36 deduction represents a single lounge visit within the Cardholder’s existing lounge visit allocation for which the Cardholder will, where applicable, be charged. E.g., if a Cardholder registers 1 Guest they will receive AUD$72 off their bill which will be charged as 1 Cardholder visit + 1 Guest visit on their account. Only 1 card per visit per Cardholder will be accepted and at point of registration. 2. The AUD$36 is valid for the purchase of any meal and/or drinks. To be eligible, Cardholders must present a valid Card and Boarding Pass with confirmed same-day travel before placing an order. 3. AUD$36 is non-transferable & cannot be exchanged for cash substitute or refund if the final bill is lower than AUD$36 per person. 4. Cardholder is responsible for the balance if total final bill exceeds AUD$36 per person. Any remaining balance cannot be used towards gratuity. 5. Priority Pass and its Affiliates Companies shall not be liable should the offer value be less than Customers lounge visit entitlement. Customers who pay for lounge and guest visits are advised to review programme Conditions of Use prior to accessing the offer.

# 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.

* 10% discount is valid on 'Limited Time LUX Exclusive' hotel offers (excludes flights) or any international tour at luxuryescapes.com/au or on the Luxury Escapes mobile app. Offer valid at Australian website only. Offers are valid exclusively to Citi Prestige cardholders and is not transferable. Maximum discount available per transaction is $500 for Limited Time Lux Exclusive hotels and $250 for international tours. Offers are valid until 1 March 2025. To be eligible, customers must use their Citi Prestige Card at checkout along with the promo code PRESTIGECITI10 when purchasing Limited Time LUX Exclusive hotels, or CITITOUR10 when purchasing an international tour, 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, Cruises, Experiences or Gift Cards. Offer is not combinable with any other discount or offer.

> To be eligible for the $10 monthly cashback (Cashback Offer) your monthly payment for your BINGE Standard or BINGE Premium subscription must be made between 20 November 2024 – 31 October 2025 (Promotional Period) using your eligible Citi Prestige Mastercard, Citi Premier Mastercard, Citi Rewards Mastercard, Citi Clear Mastercard credit cards. The Cashback Offer is only available on BINGE Standard or Premium monthly subscriptions. BINGE Standard and Premium subscriptions will automatically renew each month at full RRP. Must sign up via binge.com.au. Excludes sign ups via Hubbl.com.au. This Cashback Offer cannot be used in conjunction with any other offer, promotion, special offer, discount, coupon, or discount code, nor is it transferrable. Subscriptions purchased using any other form of payment (e.g. through a third-party establishment or payment processor such as Telstra, PayPal, gift cards, Apple Pay, Samsung Pay and Google Pay, or loyalty points) will not be eligible for the Cashback Offer. The Cashback Offer will be credited to your account by the next statement after the eligible BINGE subscription has been purchased each month you stay subscribed to BINGE during the Promotional Period, provided your account is in good standing (for example – your account is not in default, suspended or closed).  Cashback will not be credited to your account if the qualifying spend is refunded. Customers who upgrade to the BINGE Standard or Premium plan during the Promotional Period, otherwise in accordance with these terms, will be eligible for the Cashback Offer, which will be paid by the statement after first full payment of the higher subscription fee.  The Cashback Offer payment will reduce the outstanding balance of your credit card account but will not count towards your next minimum monthly repayment obligation. Please note that if you have a Balance Transfer you will be charged interest on any spend that you make. Credit is not redeemable for cash or other payment form. Use of BINGE requires acceptance of the Hubbl Streaming & Account Customer Terms. Please note that any questions regarding your BINGE subscription should be directed to BINGE Support. Any questions regarding your cashback or credit card account should be directed to the Citi Customer Service Team.  We may vary or cancel the Cashback Offer at any time acting reasonably. We will notify you of any changes electronically (including via www.citibank.com.au/credit-cards/benefits) or other appropriate method as soon as reasonably practicable.

+ 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.

% Concierge Services is a complimentary service available to the Primary Cardholder. Refer to the Terms and Conditions of the Citi Rewards Program. Concierge Services is provided by Mastercard® Travel & Lifestyle Services. Mastercard® Travel & Lifestyle Services are provided by Ten Lifestyle Management Limited.

∞ 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.

? To use your reward Points toward eligible purchases at Kogan.com, you must have a Kogan.com account, be the primary cardholder of a card enrolled in a participating Rewards Program ("eligible reward card"), enrol your eligible reward card with Kogan.com and agree to the Shop with Card Reward Points terms and conditions. Participating Rewards Programs include Citi Rewards. You may only enrol one eligible reward card at any time. Customers who are enrolled in the Citi Qantas Rewards Program or Emirates Skywards Miles Program, will not be eligible for Shop with Points at Kogan.com. The Shop with Card Reward Points terms and conditions at kogan.com/au/terms-conditions-card-reward-points are to be read in conjunction with the Rewards Program terms and conditions.

@ Citi Instalment Plans are defined in the Credit Card Terms and Conditions 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.

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