CitibankRewards - Classic

Terms and Conditions

Fees and charges apply. 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 $89 for the Citibank Rewards Credit Card -Classic (Classic Card), and $15 for an additional Classic Card. Allow up to 15 working days to process your Application subject to verification.
*Different Rewards points earn rates apply to cardholders who enrol in airline frequent flyer direct earn rewards programs.
1. All rewards are subject to the Terms and Conditions of the Citibank Rewards Terms and Conditions. Cash advances do not earn Reward points. Reward points never expire while the card remains open and in good standing.
2. 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. This offer is available only at participating partner restaurants for dine-in customers who order a minimum of a main course per person or spend over $50 in yum cha restaurants, 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. Program not to be used in conjunction with any other offer.
3. The value table Assumes 6 dining experiences per year as part of the Citibank Dining Program.
4. Purchase Cover Insurance and Guaranteed Pricing Scheme 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.
5. The 6.9% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 6 months. The 6 month promotional period commences once balance transfer is processed. Transferred balances are repaid first during this period before annual fees which 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 Citibank Credit Card cash advance interest rate, currently 21.74% p.a. The current Classic 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 April 2012. This offer ends 30 June 2012.
6. World Privilege payment must be made using a Citibank Credit or Visa Debit Card. Up to 25% discount on Dining and Shopping available at participating outlets. Refer to www.citiworldprivileges.com/au/ for up-to-date offer details.
7. The value table assumes $36,000 in annual spend on the Classic Credit Card at an earn rate of 1 point earned per $1 spent. Points are redeemed for cash back via Citibank Rewards Program. Rewards subject to terms of the Citibank Rewards Program.
8. 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.
9. Actual credit limit will be assigned based on our credit criteria, your credit rating, and subject to confirmation that you earn a minimum of $25,000 per year. Credit limit is up to $7,000 at point of initial approval. Over time, you may apply to increase your credit limit up to $10,000, if you satisfy our credit criteria.
10. Citibank Travel Program service call centre is operated by Pinpoint Travel Group Pty Ltd. Licence No. 2TA002974. Not available to Citibank Rewards Credit Card customers enrolled in airline frequent flyer direct earn rewards programs. Offers subject to availability and may vary according to itinerary options, currency fluctuations and taxes at the time of booking. Visit citibank.com.au/travel for details.
11. Bonus Points are earned on purchases made at participating Australian Bonus Partner merchants only. Points are earned, allocated, redeemed, forfeited or cancelled by eligible cardholders in accordance with the Citibank Rewards Program Terms and Conditions. Cardholders enrolled in airline frequent flyer direct earn rewards programs do not earn Bonus Points.
2012 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No. 238098. Citibank and Arc Design are service marks of Citigroup Inc.