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Credit Card Terms and Conditions and Other Important Information

Citi Rewards and Citi Qantas Rewards Program Terms and Conditions for Citibank Rewards Credit Card - Classic, Citibank Gold Credit Card and Citi Rewards Credit Cardholders

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

1. 10% discount is valid on 'Limited Time LUX Exclusive' hotel offers (excludes flights) at luxuryescapes.com/au or on the Luxury Escapes mobile app. Offer valid at Australian website only. Offer is valid exclusively to Citi branded credit cardholders and is not transferable. Maximum discount available per transaction is $250. Offer is valid until 1 March 2025. To be eligible, customers must use their Citi credit card at 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.

2. 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.

3. 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.

5. Citi PayAll 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). Set up Citi PayAll payment instructions using the Citi Mobile® App or in any other way we tell you that you can make a Citi PayAll payment. This is an amount you authorise us to pay once or on a regular basis from your account to another bank account held with an Australian financial institution (other than through BPAY®). This must be not less than 7 days from the date the Citi PayAll payment is set up, and if there is more than one payment to be made, the number and frequency of the payments and period over which they are to be made, you must ensure these details are correct. All Citi PayAll payments and Citi PayAll Fees we charge to your account will be added to the retail purchase balance and the Retail APR will apply to them. Citi PayAll payments are charged at the retail purchase rate applicable to your account and are only available on Citi PayAll payments outlined in the Credit Card Terms and Conditions and Other Important Information. The Citi PayAll fee is currently 0.95% and is part of your Terms and Conditions including your Financial Table. This fee is set at the point of scheduling your Citi PayAll payment, applies for the duration the Citi PayAll payments are scheduled and is charged to your account each time a Citi PayAll payment is made. Please note the promotional offer of the 0% PayAll fee ended on 31 October 2023. For more information please refer to Citi PayAll fees by visiting Citi Credit Card Fees and Charges (citibank.com.au). Please note, there are limits on the Citi PayAll payments you can make in a period. Details of these limits can be found at citibank.com.au/payall-limits. These limits may change from time to time. For the full terms and conditions of Citi PayAll, please refer to the Credit Card Terms and Conditions and Other Important Information.

6. There are limits on the Citi PayAll payments you can make in a period per month. Details of these limits can be found at citibank.com.au/payall-limits.

7. All rewards are subject to the Terms and Conditions of the rewards program of which you are enrolled. You will be able to earn Citi reward Points or Qantas Points on payments made via Citi PayAll. A Citi PayAll payment is defined in the Credit Card Terms and Conditions and Other Important Information and means a payment for goods and services made by transferring funds directly from your account to an account of the payee held with an Australian financial institution using our ‘Citi PayAll’ payment functionality. Redemptions available will depend on the rewards program of which you are enrolled. For more information on Citi PayAll including rewards, please refer to the Credit Card Terms and Conditions and other Important Information and the Terms and Conditions of the rewards program of which you are enrolled.

8. The Citi PayAll fee is currently 0.95% and is part of your Terms and Conditions including your Financial Table. This fee is set at the point of scheduling your Citi PayAll payment, applies for the duration the Citi PayAll payments are scheduled and is charged to your account each time a Citi PayAll payment is made. Please note the promotional offer of the 0% PayAll fee ended on 31 October 2023. For more information please refer to Citi PayAll fees by visiting Citi Credit Card Fees and Charges (citibank.com.au).

9. 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.

10. 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.

11. 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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