Defined Terms and Documents

Three zero balance transfer Citibank credit cards with discretely canceled Spiders

Citi Rewards Platinum Credit Card

Above is the primary webpage for these three Citibank Credit Cards that heavily promote the benefit to existing Credit Cardholders with large Outstanding Indebtedness on other Credit Cards that they own.

 

If yoy dig down into the fine print in

$250

when you spend $250 using payWave1

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See how you could save over $2,000

  • You'll receive $250 cashback when you spend $250 on payWave purchases within 60 days from card approval1  No Interest Fee Period if a Balance Transfer. 20.99% from date of each Purchase.  Cash Advances 21.74%.
  • Enjoy 0% p.a. for 12 months on balance transfers. Reverts to cash advance rate2  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.  If you do not pay the full purchases amount on time, you forfeit your Interest free Period for 2 months, so 21.49% from date of every purchase.
  • A reduced annual fee in the first year3  Annual fee of $199 in the first year increases to $299 in the second year
  • 1.25 Citi Reward Points per $1 spent on eligible purchases in Australia (up to $10,000 per statement period)4 and 1.25 points per $1 spent on eligible purchases overseas (uncapped)4
  • Complimentary International Travel Insurance, Purchase Cover Insurance and more5

0

%

p.a.

24

months6

on balance transfers.

(1.5% BT fee applies)

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See how you could save over $3,700

  • Save with 0% p.a. for 24 months on balance transfers (1.5% BT fee applies). Reverts to cash advance rate6.  If a Balance Transfer, there is no Interest Fee Period pay 20.99% from date of each Purchase.  Cash Advances 21.74%.  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.
  • A reduced annual fee in the first year7  Annual fee of $199 in the first year increases to $249 in the second year
  • 1.25 Citi Reward Points per $1 spent on eligible purchases in Australia, up to $10,000 per statement period4 
  • 1.25 points per $1 spent on eligible purchases overseas (uncapped)4
  • Complimentary International Travel Insurance, Purchase Cover Insurance and more5
  • Enjoy a free bottle of award winning wine every time you dine at hundreds of participating restaurants with the Citibank Dining Program9.

Citi Classic Credit Card

0

%

p.a.

for 12 months on balance
transfers8

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See how you could save over $2,000

  • 0% p.a. for 12 months on balance transfers8. Reverts to cash advance rate of 21.74%   No Interest Fee Period pay 21.74% on all Purchases from date of each Purchase.  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.
  • An annual fee of $99
  • 1 point per $1 spent on all eligible domestic purchases (up to $5,000 per statement period)4
  • 1 point per $1 spent on all eligible international purchases (uncapped)4
  • Complimentary Purchase Cover Insurance and Guaranteed 
    Pricing5
  • Enjoy a free bottle of award winning wine every time you dine at hundreds of
  •  participating restaurants with the Citibank Dining Program9.

 

 

 

  

 

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Important Information

Fees and charges apply. Cards are offered, issued and administered by Citigroup Pty Limited. Terms and conditions apply and are available upon request. Credit Criteria apply. New cards customers only and cannot be used in conjunction with any other offers.

#Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $35,000per year for Platinum /Simplicity or $25,000 for Classic and your credit rating.

1. 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 and the balance transfer fee, for a period of 24 months. The 24 month promotional period commences once the 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 21.74% p.a. Offer ends 30 April 2017. Offer may be extended.

2. Subject to your acceptance you will be billed an annual fee of $49 in the first year. This will revert to a discounted annual fee, of $149, in subsequent years. For additional cardholders an annual fee also applies, currently $90 per card.

3. All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Eligible purchase means any Retail Purchase which is made by the use of a Card or any other means permitted by Citibank, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, BPAY payments, purchases of foreign currency and travellers cheques, foreign exchange and ATM/ Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to Citibank loan accounts (mortgage etc), purchases in excess of limits on the Account, transactions made in operating a business and if the Account is more than $10,000 in credit only, all other transactions. You must be a member of the airline and hotel loyalty programs in which you wish to claim airline and hotel 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.

4. 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.

5. 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 and the balance transfer fee, for a period of 15 months. The 15 month promotional period commences once the 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 21.74% p.a. Offer ends 30 April 2017. Offer may be extended.

6. 5% cash back can be earned on all eligible purchases, made in Australia and internationally, of up to $1,000 spend in the first 90 days from account approval. Maximum cash back that can be awarded is $50. To qualify for the cash back, the eligible purchases can be made by both the primary and additional card holders. Eligible purchase means any Retail Purchase which is made by the use of a Card or any other means permitted by Citibank, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, BPAY payments, purchases of foreign currency and travellers cheques, foreign exchange and ATM / Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to Citibank loan accounts (mortgage etc), purchases in excess of limits on the Account, transactions made in operating a business and if the Account is more than $10,000 in credit only and all other transactions. Charge backs, refunds or fraudulent transactions are not eligible to receive cash back. Cash back will be credited to the approved accounts within 8 weeks after the qualifying purchases have been made. Offer ends 30 April 2017. Offer may be extended.

7. Subject to your acceptance you will be billed an annual fee of $49 in the first year. This will revert to the standard annual fee, currently $99, in subsequent years. For additional cardholders an annual fee also applies, currently $15 per card.

8. All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Eligible purchase means any Retail Purchase which is made by the use of a Card or any other means permitted by Citibank, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, BPAY payments, purchases of foreign currency and travellers cheques, foreign exchange and ATM/ Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to Citibank loan accounts (mortgage etc), purchases in excess of limits on the Account, transactions made in operating a business and if the Account is more than $10,000 in credit only, all other transactions. Reward Points never expire while the card remains open and in good standing.

9. 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 and the balance transfer fee, for a period of 15 months. The 15 month promotional period commences once the 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 19.99% p.a. Offer ends 30 April 2017. Offer may be extended.

10. 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 when you have Balance Transfers.

11. Conditions apply. Visit citibank.com.au/dine.

© 2017 Citigroup Pty Limited. All rights reserved. ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.