Citibank Select Credit Card Application

Terms and Conditions

Fees and charges apply. Terms and conditions apply and are available upon request. Credit Criteria Apply. The Emirates Citibank Platinum Card was awarded CANNEX 5 star Outstanding Value in the Big Spender category in January 2012. *Based on redemption rates as of Jan 2012 for a return Economy Class, Skywards Saver Reward flight, excluding taxes from Australia (East). 1. An Emirates Citibank Platinum cardholder must be a member of Skywards Frequent Flyer Program to earn Skywards Miles. Membership is free and subject to Skywards terms and conditions. New applicants will earn 25,000 Miles on first spend with their Emirates Citibank Platinum Credit Card. Cash Advances, Balance Transfers and Special Promotions are excluded from this offer. Cardholders must apply before 30 June 2012 to be eligible for this offer. Skyward Miles are earned at a rate of 1.5 miles for every dollar spent on Retail Purchases. Up to 150,000 Miles can be earned per annum on the card from the date of account approval. A Cardholder must provide their Skywards membership number to Citibank in order for the Skyward Miles transfer to occur. Miles are transferred to Cardholder's Skywards account at the end of each statement cycle. Please allow up to 15 days from the end of your statement cycle for miles to be credited into your Skywards account. 2. The 0.9% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 12 months. The 12 month promotional period commences once balance transfer is processed. Transferred balances are repaid first during this period. Annual fees attract interest at the retail purchases rate. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Emirates Citibank Platinum Credit Card cash advance interest rate, currently 21.24% p.a. The current Emirates Citibank Platinum Credit Card interest rate for retail purchases is 20.99% p.a. Interest rates are variable, subject to change and credit criteria. The interest rates are current as at 1 January 2012. This offer ends 30 June 2012. Current Citibank Credit Cardholders are not eligible to apply for this introductory offer. 3. 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 their guest. Emirates Lounges are administered by Emirates and/or third parties for Emirates. Citibank accepts no liability for this benefit. 4. 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 annum on purchasing an Emirates long-haul flight with your Emirates Citibank Platinum Card. Maximum capacity per car is 2 adults, with total luggage limit of two suitcases plus one carry-on bag. Additional charges apply if a larger vehicle or infant car seat is required. Excludes Trans Tasman flights, 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. 5. International Travel Insurance, Extended Warranty Insurance, Transit Accident Insurance 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. 6. Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $35,000per year and your credit rating. Credit limit is up to $30,000 at point of initiation. Over time, you may increase your credit limit up to $100,000, if you satisfy our credit criteria. 7. 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 Emirates Citibank Platinum cardholders. The cardholder is entitled to receive a gift of a selected bottle of wine when using their Emirates Citibank Platinum credit 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 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. 8. This figure was calculated multiplying (1. 5 X $1,500) X 12 months. This is used for illustration purposes only. To find out more Skywards Miles, visit www.skywards.com 9. 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.