CitibankCitiBusiness Gold

Terms and Conditions

Fees and charges apply. Terms and conditions apply and are available upon request. Credit Criteria apply.

#Actual credit limit will be assigned based on our credit criteria, your credit rating, and subject to confirmation that you earn a minimum of $30,000 per year. Credit limit is up to $25,000 at point of initial approval. Over time, you may apply to increase your credit limit up to $60,000, if you satisfy our credit criteria.

1. The 0% p.a. interest rate on the CitiBusiness Card applies for the first 4 months on balances you transfer with this offer at point of application, and on all purchases and cash advances for a period of
4 months from the date your account is approved. Transferred balances will be repaid first. Any outstanding transferred balance or cash advance balance at the end of the promotional period will revert to the CitiBusiness standard cash advance rate, currently 21.49% p.a. Any retail purchase transactions made during the promotional period will revert at the end of the promotional period to the CitiBusiness standard purchase rate, currently 20.74% p.a. Offer ends 30 June 2012.To be eligible for the offer, you need to apply for the card by 30 June 2012. Current CitiBusiness Credit Cardholders are not eligible to apply for this introductory offer. Approved customers only. Interest rates are variable, subject to change and Citibank's credit criteria.
2. Subject to your acceptance, you will be billed a half-price annual fee (currently $74) in the first year. This will revert back to the full annual fee of $149 in subsequent years. There is no annual fee for Additional CitiBusiness Cards. Please allow up to 15 days to process your Application subject to verification.
3. Citibank Travel Program service call centre is operated by Pinpoint Travel Group Pty Ltd, Licence No. 2TA002974. Travel booked via the call centre must be paid in full using the customer's Citibank Rewards Credit Card -Platinum, with a cash back processed to the value of points redeemed. Cash back on customer account may take up to 14 days. Redemption via the Citibank Travel Program call centre is available only to customers enrolled in the Citibank Rewards Program and is not available to cardholders who enrol in airline frequent flyer direct earn rewards programs. All offers are subject to availability and change without notice. Offers may vary according to itinerary options, currency fluctuations and taxes at the time of booking.
4. Different Rewards points earn rates apply to cardholders who enrol in airline frequent flyer direct earn rewards programs.
5. International Travel Insurance, Guaranteed Pricing Scheme 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. Depending on your circumstances complimentary travel insurance may not be adequate for your needs. Always read the terms and conditions.
6. Bonus Points are earned on purchases made at participating Australian Bonus Partner retailers only. Bonus Points are not available to cardholders who enrol in airline frequent flyer direct earn rewards programs.
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 Citibank cardholders. The cardholder is entitled to receive a gift of a selected bottle of wine when using their Citibank credit or debit card to pay for their restaurant bill. Citibank Rewards Credit Cardholders, except cardholders who are enrolled in airline frequent flyer direct earn rewards programs, will also earn three bonus points for each dollar spent at participating restaurants. This offer is available only at participating Bonus 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. Citibank reward points are earned, allocated, redeemed, forfeited or cancelled by eligible cardholders in accordance with the Citibank Rewards Program Terms and Conditions. The value table assumes 6 dining experiences per year as part of the Citibank Dining Program. The value table assumes 6 dining experiences per year as part of the Citibank Dining Program.
8. Assumes $36,000 in annual spend. 1.25 points earned per $1 spent. Points redeemed for cash back via Citibank Rewards Program. Rewards subject to terms of the Citibank Rewards Program.
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.
10. World privilege payment must be made using a Citibank Credit Card. Up to 25% discount on Dining and Shopping available at participating outlets. Privileges cannot be used in conjunction with any other promotional programs or offers. Citibank and the business establishment reserve the right to change the terms and conditions at any time. Refer to www.citiworldprivileges.com/au/ for up-to-date offer details.

2012 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No.238098. Citibank, Citi and Arc Design are service marks of Citigroup Inc.