Important Information



Similar documents
More than managing the everyday, Earth Black provides a range of premium services to help you do more with your time.

Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions. Citibank Rewards Credit Card - Signature Citi Prestige Credit Card

T&C. Definitions. General. 12.Membership and benefits of Lemon Tree Smiles are offered at the sole discretion of The Lemon Tree Hotels.

Frequently Asked Questions Najm Visa Platinum Credit Card

Purchase Perks Program Rules & Conditions

Terms and Conditions. Premium and Standard Membership Rewards Program for Suncorp Clear Options Business Credit Cards

Standard Chartered 360 Rewards Programme

Card Services Rewards and Card Services Qantas Rewards Program Terms and Conditions

BMO Harris RewardsSM Program Rules: BMO Harris Bank Rewards MasterCard BMO Harris Bank Premier Rewards MasterCard

How To Get Points From Worldpoints

MILES-TO-GO sm PROGRAM RULES Welcome to the ToGoAway Travel Network Miles-To-Go sm Frequent Traveler Program WELCOME

Questions about your U.S. Bank FlexPerks Visa Account Call Cardmember Services

Questions about your U.S. Bank FlexPerks Visa Account Call Cardmember Services

Terms and Conditions. Suncorp Bank Rewards and Suncorp Bank Qantas Frequent Flyer Rewards for Suncorp Clear Options Personal Credit Cards

NAVY FEDERAL S BUSINESS REWARDS CARD PROGRAM DESCRIPTION

Your guide to everyday banking.

ANZ Airpoints Visa WELCOME GUIDE

Credit Cards. Credit Cards. boq.com.au

January Q Rewards Terms and Conditions

VOICE Credit Card Rewards Terms and Conditions

PROGRAM DESCRIPTION NAVY FEDERAL S VISA SIGNATURE FLAGSHIP REWARDS CARD

Terms and Conditions Governing UOB PRVI Miles American Express Card ( Terms and Conditions )

ABC Terms and Conditions

General Terms and Conditions of DBS Travel Privileges Programme ( Travel Programme )

your guide to your new BOQ Credit Card

Including ANZ Business One Rewards Options

Altitude Business Gold Visa Card. spend on your business, reward yourself. movers & shakers Proudly supported by Westpac

NAVY FEDERAL S GO REWARDS CARD PROGRAM DESCRIPTION. navyfederal.org

Get in touch. Personal banking support for your personal economy

Altitude Rewards and Altitude Qantas

Terms and Conditions for Jet Airways ICICI Bank Co-Brand Credit Cards: Joining/Annual Fees: Joining/Renewal Benefits: Exception:

New Partner: The Ritz-Carlton Participation in Marriott Rewards. Questions & Answers to Respond to Guest Questions

December Q Rewards Terms and Conditions

FREQUENTLY ASKED QUESTIONS REGARDING CITY NATIONAL REWARDS, POWERED BY THE SCORECARD PROGRAM EFFECTIVE MAY 7, 2012

E D M O N T O N ADMINISTRATIVE PROCEDURE

Changes to your Bank of Queensland Credit Card

Macquarie Bank Rewards Program. Terms and Conditions

HSBC s Credit Card Rewards Program. Terms and Conditions HSBC Classic Credit Card and HSBC Platinum Credit Card

HSBC s Credit Card Rewards Program. Terms and conditions HSBC Premier World MasterCard

ready, steady, take off

HSBC Premier World Rewards Program Terms & Conditions

Bank means Arab Bank PLC - Qatar and /or its branches

Altitude Business Rewards. Terms and conditions. Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards

ARMA HOUSTON TRAVEL EXPENSE GUIDELINES

NAB Qantas Credit Card Account. Reward Terms and Conditions effective

There must be a minimum of two (2) golfers per flight on weekdays and a maximum of one (1) flight per booking per Cardmember.

1. Definitions 1. Bank means Arab Bank PLC - UAE and /or its branches

LOGIX REWARDS PROGRAM DISCLOSURE Program Rules

The American Express Qantas Corporate Platinum Card. Card Member benefits and services

UOB Privilege Reserve Cardmembers earn UNI$4 and UNI$5 for every S$5 charged locally and overseas respectively.

AND PERSONAL FINANCE. Credit cards Personal loans Overdrafts

Charitable donations Onboard credit Onboard amenity Merchandise Stateroom upgrade Cruise discount Cruise vacation REWARD LEVELS

One Signature. Many Privileges.

Collectively, the Prizes. Total maximum prize pool is $18,400.

龍 騰 會 員 俱 樂 部 權 益 手 冊

HSBC Business Card Rewards Program Terms & Conditions

TCF Miles Plus SM Rewards Program

ANZ Credit Card Rewards Programme Terms and Conditions

An infinite world of privileges

Discover the world of Miles & More

CIBC FirstCaribbean International Bank Shop & Win 2015 Promotion TERMS AND CONDITIONS - JAMAICA

Travelling with Bank of Communications UnionPay Card to Enjoy Global Privileges

Karur Vysya Bank-SBI Platinum Credit Card. Experience life. in true platinum

(Available on our Platinum Rewards credit card, Business Platinum Rewards credit card, & Unitus Rewards checking account debit card only)

A card built to put your money to work. Welcome to your Citi Dividend World Elite TM MasterCard.

David Jones Storecard and David Jones American Express Reward Points Terms and Conditions

Eastern Michigan University

TERMS AND CONDITIONS GOVERNING OCBC 365 CREDIT CARD CASHBACK PROGRAMME

Norwegian Cruise Line MasterCard Program Rules

UPI Premium Service Platform

ProRewards provides purchasing power and many other gifts. How to enroll

REWARDS TERMS & CONDITIONS COMMERCE BANK BUSINESS REWARDS

HSBC Premier Debit Card User Guide. 13 N Bangkok, Thailand

Hang Seng Commercial Card Benefits Directory

Esquires eclub Loyalty Card Program Terms and Conditions 1. Definitions and Interpretation

BUSINESS TRAVEL POLICY

RBC Royal Bank Visa Business Platinum Avion. A world of travel rewards. And more.

Visa Platinum Credit Card... Platinum Service, Premium Rewards.

IHG Rewards Club Global Membership Terms and Conditions

Welcome to LifeMiles Gold Elite. LifeMiles is a trademark of LifeMiles Corp. LifeMiles terms and conditions apply. Consult them at LifeMiles.

Welcome home. Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans.

HOPE COLLEGE TRAVEL AND ENTERTAINMENT EXPENSE POLICY

CAN YOU THINK OF OVER 1,000 WAYS TO REWARD YOURSELF? WE CAN.

Early Check-in 12:00 11:00 10:00

Memberships. The Naples Beach Hotel & Golf Club

Webjet Terms & Conditions

Rewards Terms & Conditions Copy

Truman State University Travel Reimbursement Policy. For Travel on or after October 1, 2013

Ameriprise Financial MasterCard credit cards. Cardmember benefits at a glance. Now featuring chip card technology:

BEST AIRFARE DEALS, ex Australia to EUROPE/USA/M-EAST-AFRICA

TERMS & CONDITIONS HSBC 888 USAGE PROMOTION

Westpac Rewards Credit Cards Concierge Service. Terms and Conditions

Fare Class Codes A A. C C Full Fare Business Class (not used by Virgin Atlantic) D D Discounted Upper Class

Pasadena City College Foundation, Inc. Reimbursement Expense Plan

MasterCard Advance Platinum Credit Card offers

INDEX. Please click on a section title to go to the respective page WELCOME ON BOARD... 04

Archdiocese of Galveston-Houston - (Chancery Only)

Transcription:

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. Subject to your acceptance you will be billed an annual account fee which is currently $700 for the Primary Citi Prestige Card, and $0 for an Additional Citi Prestige Card. Allow up to 15 working days to process your Application subject to verification. Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $150,000 per year and your credit rating. 1. Rewards programs: Citibank Rewards and Citibank Qantas Rewards are two separate programs. Unless you choose the Citibank Qantas Rewards program (for an annual fee of $49), you will be automatically enrolled in the Citibank Rewards Program. Under the Citibank Rewards program you will earn two rewards points for every dollar spent. Citibank Rewards Points are subject to the Citibank Reward Terms and Conditions. Under the Citibank Qantas Rewards Program you will earn one Qantas Frequent Flyer point per dollar of eligible spend. Once Qantas Frequent Flyer points have been transferred to your Qantas Frequent Flyer account, they cannot be reversed. Qantas Frequent Flyer points are earned in accordance with the Citibank Qantas Rewards Program Terms and Conditions and you must be a member of the Qantas Frequent Flyer program in order to earn or redeem Qantas Frequent Flyer points. A joining fee applies. Qantas Frequent Flyer points and membership are subject to the Qantas Frequent Flyer program Terms and Conditions. All rewards are subjected to the Terms and Conditions of the Citibank Rewards Program. Cash advances do not earn Reward points. Different Rewards points earn rates apply to cardholders who enrol in airline frequent flyer direct earn rewards programs. Qantas Frequent Flyer points are earned in accordance with the Citibank Qantas Rewards Program Terms and Conditions and you must be a member of the Qantas Frequent Flyer program in order to earn or redeem Qantas Frequent Flyer points. Full details are available at Qantas.com/frequentflyer. Enrolment in the Citibank Qantas Rewards program can be requested on card activation or after approval of new card by contacting Citibank on 1800 782 948. See http://www.citibank.com.au/aus/static/appforms.htm under Credit Cards for terms and conditions. 2. Complimentary Hotel Stay (Free One Night s Stay at a range of Hotels) a. The Complimentary Hotel Stay Benefits available to Citi Prestige cardholders ( you ) once (per account) in every calendar year. b. In order to receive the Complimentary Hotel Stay Benefit you must maintain your account in good standing, including (without limitation) by paying at least the minimum due on the most recent card statement by the due date. c. For a list of eligible hotels, offer inclusions and room types, cardholders should visit http://citibank.com.au/citiprestige/benefits-luxury-travel-and-hotel.html Extra Night > Details > Learn More or call 1800 782 948. under: Stay an d. The Complimentary Hotel Stay must be booked via Citibank s nominated travel service provider on 1800 782 948 during the hours of 8am and 8pm Monday to Friday. You authorise Citibank to provide your information to process and/or fulfil an upgrade request. Standard booking fees apply. e. Complimentary Hotel Stay Benefit availability may be limited and rooms may not be available on the dates that you wish to stay. Blackout dates may apply and rooms may be particularly limited during public and school holidays or special events. f. Citibank shall have no responsibility for any failure or deficiency on the part of any hotel operator or other service providers including (without limitation) in connection with any accident, loss or damage to property or injury to persons.

g. Amendments to bookings are subject to availability, hotel operator policies and amendment fees apply. Cancellation of bookings may also incur fees, and are subject to the hotel's standard policies and terms. h. Hotel stays, check-in and check-out times are subject to the hotel s standard policies and terms. i. Citibank reserves the right to withdraw or change the Complimentary Hotel Stay Benefit subject to applicable laws and provided that Citibank will give you: i. 90 days notice of the withdrawal of the Complimentary Hotel Stay Benefit; and ii. 30 days notice of all other changes unless the change does not cause any detriment to you. 3. Complimentary Insurance and Guaranteed Pricing Scheme: Are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13000 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. Citi Prestige Cardholders are entitled to access a range of Visa Infinite privileges. These include hotel and travel discounts and privileges, golf course green fees, complimentary limousine transfers, shopping and dining benefits. These benefits are provided by Visa and may change from time to time as determined by Visa. Citibank is not responsible for the provision of such benefits. Offer valid from now until 31 December 2015. Visa Benefit Terms and Conditions A. Up to 15% off international fare on first and business Class tickets with 7 participating airlines. a. All travel must be completed by December 2015. b. Offer is valid only at participating airlines on international flights. c. Offer is valid for Citi Prestige Visa main cardholders only. d. Discount is applicable on international First or Business class ticket purchased with a participating airline. e. Published rates for participating airlines is applicable for guests if they want to book via Citi Prestige Concierge. f. Tickets cannot be used in conjunction with airlines miles redemption and are not interchangeable for travel on other airlines. g. Tickets must be booked through Citi Prestige Concierge. h. Cardholder s Citi Prestige Visa card will be charged at time of booking. i. Offer is limited to one airline ticket purchase per Citi Prestige Visa main cardholder per booking. j. Full payment of applicable taxes, surcharges and fees apply to all purchased tickets and must be paid at the time of booking with Citi Prestige Visa card. k. Open tickets, open returns, open jaws and round the world tickets are not permitted. l. Tickets must be booked in advance before departure date and travel return date must be no later than 31 Dec 2015 m. All bookings are subject to availability at time of reservations. Cancellation and Charges n. Ticket issuance fee per ticket for main cardholder will be borne by Visa. o. Itinerary change and refund are subjected to the terms and conditions of the refund, cancellation & itinerary change policies of the airlines. p. Tickets are non-transferable or endorsable. q. Offer is only applicable to airfares and does not include taxes, surcharges or any other fees.

r. Travel must originate in and return to the same country where the Citi Prestige Visa card is issued from. For the avoidance of doubt, as an example: if the Citi Prestige Visa card is issued from Sydney, travel must depart from Sydney and return to Sydney. s. Privileges are not valid for use in conjunction with other airline promotions, discounts or offers. B. Asia Jets 10% off the standard live hourly rate. Complimentary limousine transfers to and from departing airport and destination. a. Offer is valid from now until 31 December 2015. b. AsiaJet will provide the benefits to Citi Prestige Visa cardholders during the Program Period. c. 10% off the standard live hourly rate (excluding the ferry/positioning hourly rate) for the Gulfstream G-200 and G-300 within the Asia Jet fleet. Complimentary limousine transfers to and from between departing airport and single designated location (one 7 seater limousine will be provided for each transfer; limited to Asia Pacific Region). Payment Terms d. All relevant payments must be made with a Citi Prestige Visa card. e. 25% of the charter fee will be payable when the booking of the charter service is confirmed; the balance of the charter fee will be payable no later than 5 business days prior to the departure date; delay in payment may result in delay in departure or, at the sole discretion of Asia Jet, the cancellation of the booking without notice and the deposit being forfeited. f. If the booking of the charter service is made within 5 business days prior to the departure date, the charter fee will be payable in full at the time of booking. Cancellation and Charges g. Charter flights are subjected to taxes/fees/fuel surcharges and must be charged to a Citi Prestige Visa card. h. Cancellation charges (based on a percentage of the full charter fee that would otherwise have been payable) are as follows: - Over 14 days notice 10% - 7 to 14 days notice 20% - 3 to 6 days notice 50% - 24 to 48 hours notice 75% - Less than 24 hours notice 100% i. Privileges cannot be used in conjunction with other promotion, participation, discounts or offers. C. Stay a minimum of 4 consecutive nights at participating hotels and enjoy one complimentary night at participating 900 hotels. a. All travel must be completed by December 2015 b. Offer is valid at over 900 participating properties. c. Offer is valid for Citi Prestige Visa main cardholders only. d. Offer is only valid with a minimum of 4 paid nights stay. e. Free night must be utilized during the same stay as the purchased nights. f. There are no credits for any unused free nights if the guest checks out early. g. Cancellation and amendment fees apply depending on the policies by respective participating hotels. h. Rates are per room, per night, based on single/double occupancy and availability at time of reservation and do not include additional per room, per night charges that may be imposed or state/local taxes.

i. Citi Prestige Visa cardholder may redeem one (1) free night for 1 room per booking per main cardholder. j. To redeem the complimentary night s stay benefit, Citi Prestige Visa cardholders must be one of the staying guests. k. Complimentary nights stay is only valid for booking at hotels where the hotel is not located in the country where the card is issued. l. are subject to room availability at the time that the reservation is made and blackout dates apply. Citi Prestige Visa cardholder preferred dates cannot be guaranteed. m. To redeem the complimentary night s stay benefit, Citi Prestige Visa cardholders will need to make a prior reservation via Citi Prestige Concierge. Walk-in guest(s) without prior reservations will not be granted the complimentary night s stay benefit. n. For advance purchase of room nights, Citi Prestige Visa card will be charged at time of booking. o. The hotel voucher is only issued after the Citi Prestige Visa card is verified and room charges are charged to the Citi Prestige Visa card. p. The hotel voucher and Citi Prestige Visa card must be presented upon check-in at the hotel, together with a valid photo ID. q. *For payment at hotels, the room rates will be based on Best Available Rate Cancellation and Charges r. Cancellations and amendments to booking can only be made by calling Citi Prestige Concierge. s. Cancellation and amendment fees apply depending on the policies of the respective Participating Hotels. t. Cancellation fees will be charged directly to the Citi Prestige Visa card account. u. For payment at hotels, cancellation must be made at least 72 hours before date of arrival by calling Citi Prestige Concierge. v. Complimentary room night offer is only applicable to room rates and does not include taxes, surcharges or any other fees. w. Complimentary one night s stay is based on accommodation for a maximum occupancy per room type and is exclusive of all applicable tax and service charges for such accommodation. Cost of tax, service charges, meals and all other incidentals, will be charged to Citi Prestige Visa cardholders directly (including applicable tax and service charges) by the participating hotel. x. Voucher is not exchangeable for cash or in kind and not applicable in conjunction with any other promotions, discounts or privileges. y. Citibank and participating hotels reserve the right to vary the terms and conditions of this offer. a. For updated list of participating hotel, please call Citi Prestige Concierge for details. z. Value of free nights is based on an average of all room rates. D. Invitation to Hilton HHonors Gold status. a. The offer is valid only for Citi Prestige Visa cards issued in Australia b. To enjoy the upgrade to Hilton HHonors Gold membership, Citi Prestige Visa cardholders must register by 31 December 2015 by contacting Citi Prestige Concierge. c. Upgrade to Hilton HHonors Gold status will take up to 10 working days after registration through Citi Prestige Concierge. Hilton HHonors Gold Status Membership kit will be mailed out in 6 to 8 weeks. Offer is not transferable. This offer may be terminated without any notice. d. Gold status benefits are not transferable. e. If you cancel your card for any reason, your complimentary HHonors Gold status will be cancelled f. Hilton HHonors reserves the right to change, modify, or revoke this offer at any time. g. To learn more and for full details regarding Gold status, visit HHonors.com/MemberBenefits

h. Hilton HHonors membership, earning of Points & Miles and redemption of points are subject to HHonors Terms and Conditions, HHonors.com/Terms E. Invitation to Golden Circle Jade membership a. The offer is valid only for Citi Prestige Visa cards issued in Australia. b. To enjoy the upgrade to Golden Circle Jade membership, Citi Prestige Visa cardholders must register by 31 December 2015 by contacting Citi Prestige Concierge. c. Upgrade to Golden Circle Jade membership will take up to 14 working days after registration through Citi Prestige Concierge, and the Golden Circle Jade Membership kit will be mailed out in 8-10 weeks. d. Offer is not transferable. This offer may be terminated without any notice e. Full details of Golden Circle Jade membership will be mailed to the member upon registration. Other restrictions may apply F. 20% off on the Best Available Rate at Six Senses Privilege 20% off best available rate Complimentary daily breakfast for two persons US$50 spa credits during stay Upgrade subject to availability at check in Late checkout till 18:00 subject to availability Early check in from 10:00 subject to availability Participating resorts Six Senses Samui, Thailand Six Senses Yao Noi, Thailand Six Senses Ninh Van Bay, Vietnam Six Senses Con Dao, Vietnam Six Senses Zighy Bay, Oman Six Senses Laamu, Maldives b. Offer is valid from now until 31 December 2015. c. Offer is valid at participating properties. d. Offer is valid for Citi Prestige Visa cardholders. e. Offer valid only when you pay with your Citi Prestige Visa card. f. Citi Prestige Visa cardholder have to quote the promo code V9I during reservation g. Offer extended per stay must be consumed during stay, not combinable. h. Offer is valid at Reserves, Retreats, Presidential Suite, Ocean Front 4 Bedroom Villa and Laamu Water Villa. i. Best Available Rate applicable. Not applicable on discounted rates or combined with other offer at time of enquiry/booking. j. One daily breakfast per person during stay. k. Late checkout till 18:00, subject to availability upon request. l. Exclude all applicable taxes, services, gratuities and charges, and must be paid by the Citi Prestige Visa cardholder. m. Void where prohibited, taxed or restricted by law. n. Reservation is subject to availability at time of confirmation. Blackout dates apply. o. Citibank and participating properties reserve the right to vary the terms and conditions of this offer. p. For updated list of participating properties, please call Citi Prestige Concierge for details.

G. Luxury Hotel Collection Privilege Best available rate guarantee. Automatic room upgrade upon arrival, when available. Free in-room Internet. Complimentary continental breakfast. 3PM check-out, when available. VIP Guest status. US$25 food or beverage voucher. a. Offer is valid from now until 31 December 2015 b. Offer is valid at participating properties. c. Offer is valid for Citi Prestige Visa cardholders. d. Offer valid only when you pay with your Citi Prestige Visa card. e. Best Available Rate applicable. Not applicable on discounted rates or combined with other offer at time of enquiry/booking. f. One daily breakfast per person during stay. g. Exclude all applicable taxes, services, gratuities and charges, and must be paid by Citi Prestige Visa cardholder. h. Void where prohibited, taxed or restricted by law. i. Reservation is subject to availability at time of confirmation. j. Citibank and participating properties reserve the right to vary the terms and conditions of this offer. k. For updated list of participating properties, please call Citi Prestige Concierge for details. H. Celebrity Cruises Privilege Experience exceptional cruises at exceptional values of up to US$750 when you book your next Celebrity Cruise with Holidays in Motion. Savings Include: Up to US$250 onboard spending credit. Exceptional Offers Savings book (US$300 value). *Savings of up to US$200 per stateroom. *Free prepaid gratuities (up to a US$326.20 value per couple). Bonus: Book a Premium Suite and receive one onboard complimentary specialty dinner for two. Book a balcony and receive a Celebrity Cruises logo tote bag. Book an Alaskan Cruise/Tour and receive one logo fleece vest. a. Offer valid through 31 December 2015 b. *Saving & free gratuities offer on select ships and sailing dates of seven nights or longer. c. Rates vary by date and are subject to space availability. Certain sailing dates including holidays and blackout dates may be excluded. Offer good only for voyages of seven nights or longer. Some restrictions may apply. d. Coupon has no cash value. Offer is capacity controlled and cannot be combined with any other offer or discount. e. Offer subject to change, and is based on Celebrity Cruises terms and conditions. Void where prohibited or restricted by law. f. Offer valid only when you pay with your Citi Prestige Visa card. g. Any taxes are the sole responsibility of the Citi Prestige Visa cardholder.

I. yq Meet and Assist (with Fast Track and Limo) Offer is valid from now until 31 December 2015. Offer is valid for Citi Prestige Visa main cardholders only Privilege Complimentary yq airport Meet & Assist Service (MAAS) twice per calendar year. Complimentary one-way limousine service transfer to airport or from airport twice per calendar year. a. Offer is valid from now until 31 December 2015. b. Offer is valid for Citi Prestige Visa main cardholders only. c. Each Citi Prestige Visa cardholder is entitled to complimentary meet & greet service and complimentary one-way airport limousine services twice per calendar year. d. Airport limo is limited to a maximum of 4 passengers per car. e. Booking must be made via Citi Prestige Concierge. f. Once the two complimentary services are fully utilized, Cardholder can enjoy 20% off published retail rates. The rates can be found at www.airportspeedpass.com. g. Payment must be made via a Citi Prestige Visa card. h. Booking is subject to availability. i. Booking for the services must be made at least 72 hours prior to commencement of travel. Cancellation and Charges j. Cancellation with fewer than 48 hours of notification and no show will be considered as utilisation of the service. There is a 100% charge equivalent to full invoice and no right to refund. k. The VIP Limo offering is based upon a direct journey from your arrival airport to a location that is equivalent to or less than 30 km distance between the arrival airport to the destination. A surcharge will be applicable for additional stops. J. Priority Pass Privilege One complimentary Priority Pass membership for the primary card holder is a special feature of Citi Prestige. The primary card holder is entitled to unlimited visits to Priority Pass lounges and may bring one guest per visit. Any additional guests will be charged directly by the lounge to their Citi Prestige Visa Card. The membership is subject to the Priority Pass Conditions of Use available at www.prioritypass.com. Once you have activated your Citi Prestige card please allow up to 15 working days for your Priority Pass card to arrive in the mail. Please note that Priority Pass is not currently available at any Australian airport other than Melbourne International Airport. a. This offer is applicable to Citi Prestige Visa main cardholders only. b. The Priority Pass Card is not transferable and is only valid up to its date of expiry and when it has been signed by the Card holder. c. The Priority Pass Card is not a payment Card nor is it proof of creditworthiness and attempts to use it as such could constitute fraud. d. Admittance to the lounges is conditional upon presentation of a valid Priority Pass Card only. Payment Cards will not be accepted as substitutes for the Priority Pass Card.

e. Citi Prestige Visa cardholders must show a valid Priority Pass membership card in order to gain entry to the lounge. f. For the full list of valid airport lounges, please refer to www.prioritypass.com. g. Standard terms and conditions governing the use of Priority Pass Membership apply. Please visit http://www.prioritypass.com/conditions-of-use.cfm for more information. K. Golf Privileges Privileges Complimentary green fees for Citi Prestige Visa main cardholders at 22 participating golf clubs. 3 complimentary green fees in any golf clubs* for Citi Prestige Visa main cardholders each calendar year. * Offer is only available for public access golf clubs a. Offer is valid from now till 31 December 2015 b. Offer is fully subsidized by Visa and not a direct offer from the golf clubs. c. Offer is valid for Citi Prestige Visa main cardholders with cards issued within Australia d. Citi Prestige Visa main cardholders are entitled to book and play for a maximum of 5 times per calendar year at Japan and a maximum of 4 times per calendar year at Korea golf clubs. e. Citi Prestige Visa main cardholders are entitled to book and play for a maximum of 1 time per calendar year at Philippines Golf club. f. Korea golf clubs are restricted to Korea cardholders only. g. Complimentary green fees in any public golf clubs are for Citi Prestige Visa main cardholders only and are limited to no more than 3 per calendar year. No minimum paying guest requirement. h. Citi Prestige Visa cardholders and his/her guests should hold valid golfer s insurance as individual golf clubs may impose golf insurance requirement. i. Citi Prestige Visa cardholders must follow the terms and conditions of booking (set out in section below, or will not be granted access rights to the Participating Clubs. j. Citi Prestige Visa cardholders are not allowed to book for the next golf game until the current game is played. k. Offer is not valid for use in conjunction with other non-citi Prestige Visa promotions, discounts or offers, and cannot be used with other promotion, participation in corporate golf events, private golf events or golf tournament. l. Offer is valid for use where booked directly by Citi Prestige Concierge. Accordingly and for the avoidance of doubt, Citi Prestige Visa cardholders are not allowed to take over tee times transferred from other golfers/participating Club members to make use of the Golf Privileges. m. All bookings must be made through Citi Prestige Concierge. n. Citi Prestige Visa cardholders understand and acknowledge that participating clubs will not entertain any correspondence/enquires and/or attempts for bookings from Citi Prestige Visa cardholders if the Citi Prestige Visa cardholders contact the golf clubs directly to book this offer. o. Confirmation of bookings will be sent to cardholders within 2 business days. p. Offer is valid for weekdays and weekends except public holidays. The policy for public holidays varies by golf clubs. q. All weekday bookings must be done 3 business days in advance and weekend bookings must be done 6 business days in advance. r. Acceptance of all golf bookings, pairings and changes to tee times will be at the discretion of the participating clubs and are subject to availability. Citi Prestige Visa cardholders will not be granted access rights to the participating clubs without prior bookings through Citi Prestige Concierge. Fees and Charges

s. Citi Prestige Visa cardholders and guests have to pay for buggy, caddie, turf mate, locker fee, insurance, taxes and all other ancillary and miscellaneous charges ( Other Usage Charges ) at normal published rates at the participating clubs where applicable, subject to the participating clubs terms and conditions. t. All payment made in relation to usage of the Golf Privileges, and any Other Usage Charges incurred while utilizing the Golf Privileges, must be made with a Citi Prestige Visa card. u. All charges will be made in the local currency of the participating club at which the game is booked and played. Cancellation and Charges v. Cancellations are to be made through Citi Prestige Concierge and not directly with the participating clubs. w. Cancellations and amendments to booking can only be made by calling Citi Prestige Concierge. This will be considered a new booking request and the booking datelines will apply x. Cancellation and amendment fees apply depending on the policies by respective participating clubs. y. There will be no rain check. z. Cancellation fees will be charged directly to the Citi Prestige Visa credit card account. aa. Cancellation charges apply for late cancellations and no show. bb. Number of days required for cancellation is dependent on the day booked and policies by respective participating golf clubs. cc. Golfers must have a valid handicap. dd. The Golf Privileges are valid for golf rounds only. They do not provide Citi Prestige Visa cardholders and their guests with access to the other recreational facilities at the participating clubs. ee. The Golf Privileges are not to be regarded as a golf club membership. ff. Citi Prestige Visa cardholders acknowledge and agree that Citibank and Visa are not responsible for non-fulfillment of any privileges or any defect or lack in service or goods supplied by third parties, including the Participating Golf Clubs. Accordingly, Citi Prestige Visa cardholders irrevocably agree not to make any claim against Citibank and Visa in relation to any loss, damage, disappointment or distress of any kind arising from their use or attempted use of the Golf Privileges, including but not limited to failure or inadequacy of service or fulfillment of privileges by the Participating Clubs. gg. Citibank and Visa reserves the right and without assigning any reason, to change or to cancel any participating club it is the duty of the Citi Prestige Visa cardholders to check the list of participating clubs prevailing at any time. hh. To the fullest extent permissible by law, each participating Citi Prestige Visa cardholder releases Citibank and the respective participating clubs from any claim, loss, damage, cost or expense (including any claim for legal expenses) sustained or incurred by him/her in connection with his/her participation or attempted participation in the Golf Privileges. L. Register for a complimentary Harrods Rewards Black tier card and receive a 100 welcome gift to spend at Harrods. a. Harrods offer two (2) 10% off days per calendar year, Black Tier CH have the opportunity to choose one of these dates and gain access to the discounts. To facilitate this, CH will need to call Citi Prestige Concierge at least 24 hours prior for Harrods systems to reflect this. Harrods will notify the CH once their points have reached the level to be eligible, 500 points, for the Anytime points redemption. The CH then needs to indicate at least 24 hours in advance when they would like to redeem their points. The Harrods Rewards team requires 24 hours notice prior to arranging any time for any point s redemption and any personal 10% off days. Discounts are subject to department participation. Please contact the Rewards team by calling +44 (0)20 7893 8408 or emailing rewards@harrods.com. Point conversion can also be done online via CH account. b. Two hours complimentary car parking is subject to availability. c. Complimentary basic alterations to apparel are capped to the total value of 20 per item.

d. Complimentary UK delivery is limited to standard UK delivery in mainland UK only. Excluded departments: Furniture, Sound & Vision, Designer Kitchens, Home Appliances and Bicycles. e. For more information about the cafes and restaurants, please contact the Rewards team by calling +44 (0)20 7893 8408 or emailing rewards@harrods.com for further details. f. Complimentary gift boxes are limited to one gift box per item up to a maximum of five per customer per day. Subject to availability. The gift boxes are exclusively for eligible Harrods Rewards members and are not for sale or re-sale. g. Please visit harrods.com/rewards for further details on any of the terms and conditions stated above. h. The 100 welcome offer is only available to Citi Prestige Visa cardholders who complete the online registration before 31 December 2015, and shall not be extended. The 100 offer is redeemable once in part payment (up to the amount of 100) for any single transaction in excess of 500 made using the Rewards card in-store at Harrods, Knightsbridge in participating departments. The 100 offer may not be used for the purchase of Harrods gift cards, the settlement of any furniture purchases, outstanding Fashion Alterations, Harrods Car Park or Banqueting (ask in-store for full details). This 100 offer does not apply in conjunction with any other offer and may not be refunded for cash. Harrods standard refund/returns policy will apply. i. Black tier Harrods Reward membership is renewable annually. Subsequent years Black tier membership can be maintained by spending a minimum of 10,000 in Harrods during the previous 12 calendar months. M. Discover Chic Outlet Shopping Europe s leading luxury shopping experience. Privileges Receive a VIP Card for an additional 10% saving on shopping at any of the nine Chic Outlet Shopping Villages*. 20% discount on the Shopping Express; a luxury coach service direct from main central city destinations to the Villages. 10% discount on Chic Outlet Shopping partner chauffeured drive services. *The 9 European Chic Outlet Shopping Villages are as follows: London Bicester Village Dublin Kildare Village Paris La Vallée Village Madrid Las Rozas Village Barcelona La Roca Village Milan Fidenza Village Brussels Maasmechelen Village Frankfurt Wertheim Village Munich Ingolstadt Village a. Privileges are applicable to all Citi Prestige Visa cardholders. b. All relevant payments must be made with a Citi Prestige Visa card in order to qualify for the privileges. c. The privileges are not valid for usage or combination with any other on-going promotions at participating outlets. d. Vouchers are not for re-sale nor exchangeable for vouchers of other value denominations. e. Usage of vouchers shall be subject to terms and conditions, such as but not limited to expiry date, and other limitations or exclusions stated on the voucher or otherwise notified to the Cardholder verbally or in writing. f. VIP Invitation may be withdrawn at any time and without notice. g. VIP Card is only valid in participating boutiques/restaurants and the provision of the Card is at the sole discretion of the provider.

2014 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citibank, Citi, ArcDesign and Citi Prestige are service marks of Citigroup Inc.