Example 6 - Citi Rewards Signature Credit Card  Nowhere in the below web add which includes 'Important Information' does it inform the Purchase interest rate of  20.99% p.a.

Apply today and receive 75,000 bonus Citi Reward Points on your first spend (within 90 days from card approval)1.
Plus, enjoy a reduced annual fee of $199 in the first year (usually $395 per year)2.

Exceptional benefits
  • 1.5 points per $1 spent on eligible domestic purchases (up to $20,000 per statement period)3
  • Earn 1.5 points per $1 spent on eligible international purchases (uncapped)3
  • 0% p.a. for 6 months on balance transfers (cash rate after 6 months)4  21.74% p.a.
  • Complimentary Priority Pass™ Membership and two airport lounge visits per year5
  • A range of complimentary insurances6
  • Free wine every time you dine with the Citibank Dining Program.
  • Important Information

  • Fees, charges and credit criteria apply. Terms and conditions apply and are available upon request. New Cards customers only.

  • 1. You will earn 75,000 Citi Reward Points when you spend on your card within 90 days of card approval. Cash advances, balance transfers and special promotions are excluded from this offer. Offer ends 30 April 2017. Offer may be extended. All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Citi Reward Points never expire as long as your account remains open. Bonus Reward Points will ordinarily be credited within 2 weeks of meeting spend criteria.

  • 2. Subject to your acceptance the primary cardholder will receive a reduced annual fee of $199 in the first year. The standard annual fee, currently $395 for the primary cardholder will apply each year thereafter. There is no annual fee for additional cards.

  • 3. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. Citi Reward Points never expire as long as your account remains open.

  • 4. 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 at point of application for a period of 6 months. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for cash advances, currently 21.74% p.a. Offer ends 30 April 2017.

  • 5. 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. Please note that within Australia Priority Pass is only available at Cairns International Airport. Once you have enrolled, please allow up to 15 working days for your Priority Pass card to arrive in the mail. 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.

  • 6. For any claims lodged on or after 1st May 2016, Complimentary Insurance is issued and managed by AGA Assistance Australia Pty Limited (trading as Allianz Global Assistance) (AFSL No. 245631 ABN 52 097 227 177), 74 High Street, Toowong QLD 4066 on behalf of the insurer Allianz Australia Insurance Limited (AFSL No. 234708 ABN 15 000 122 850), 2 Market Street, Sydney NSW 2000, and is subject to Terms, Conditions, and exclusions, some limits and excess may apply. The Terms and Conditions are available at www.citibank.com.au/complimentaryinsurance.

  • For any claims lodged prior to 1st May 2016, Complimentary Insurance is 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 is subject to Terms, Conditions and exclusions, some limits and excess may apply. The Terms and Conditions are available at www.citibank.com.au/complimentaryinsurance.

  • © 2016 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citibank®, Citi® and Arc Design® are service marks of Citigroup Inc.