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1. Offer ends 28 August 2019. 150,000 bonus Qantas Points offer is available to new approved Qantas Premier Titanium credit card account holders who apply by 11.59pm Sydney Time 28 August 2019. 150,000 bonus Qantas Points will be awarded when $5,000 is spent in the first 90 days from approval. Eligible purchases do not include; Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions. Bonus Qantas Points will ordinarily be credited within 6 - 8 weeks of meeting the spend criteria. Offer may be extended or withdrawn at any time. The 150,000 bonus Qantas Points are not awarded to account holders who already hold a Qantas Premier Everyday or Qantas Premier Platinum credit card and change their account to Qantas Premier Titanium.

2. Up to 120,000 bonus Qantas Points offer is available to new approved Qantas Premier Platinum credit card account holders who apply by 31 October 2019, 11:59pm (AEST). 20,000 Qantas Points will be awarded each month for the first 6 months following card approval, when $1,500 or more is spent on eligible purchases that month. Eligible purchases do not include; Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions. The bonus Qantas Points will ordinarily be credited within 6 - 8 weeks of meeting the spend criteria for that month. Points will be forfeited if you close your Credit Card Account before they appear in your Qantas Frequent Flyer Account. If the spend criteria is not met for any of the individual months during the first 6 months, 20,000 bonus Qantas Points will not be awarded for that month. This offer is only available for the first 6 months from account approval. Please note that the 120,000 bonus Qantas Points are not awarded to account holders who already hold a Qantas Premier Everyday or Qantas Premier Titanium credit card and change their account to Qantas Premier Platinum. All rewards are subject to the Qantas Premier Credit Card Rewards Terms and Conditions. The account needs to be in good standing for bonus points to be awarded. Offer may be extended or withdrawn at any time.

3. For applications submitted by 31 October 2019, 11:59pm (AEST) you will be billed a discounted annual fee of $199 for the first year upon activation of your account. The standard annual fee, currently $299, will be billed each anniversary from card approval in subsequent years. An additional cardholder annual fee, currently $50, applies per additional cardholder. These fees are subject to change.

4. Offer available for new Qantas Premier Everyday credit cardholders only. Up to 42,000 bonus Qantas Points offer is available to new approved Qantas Premier Everyday credit card account holders who apply by 31 October 2019, 11:59pm (AEST). 7,000 Qantas Points will be awarded each month for the first 6 months when $1,000 or more is spent on eligible purchases that month. Eligible purchases do not include; Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions. Bonus Qantas Points will ordinarily be credited within 6 - 8 weeks of meeting the spend criteria for each month. Points will be forfeited if you close your Credit Card Account before they appear in your Qantas Frequent Flyer Account. If the spend criteria is not met for any of the individual months during the first 6 months, 7,000 bonus Qantas Points will not be awarded for that month. This offer is only available for the first 6 months from account approval. Please note that the 42,000 bonus Qantas Points are not awarded to account holders who already hold a Qantas Premier Platinum or Qantas Premier Titanium credit card and change their account to Qantas Premier Everyday. All rewards are subject to the Qantas Premier Credit Card Rewards Terms and Conditions. The account needs to be in good standing for bonus points to be awarded. Offer may be extended or withdrawn at any time.

5. New Qantas Premier Everyday credit cardholders only. Apply by 31 October 2019, 11:59pm (AEST). Your total Balance Transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred within 90 days of card approval for a period of 12 months. The 12 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 will revert to the Cash Advance Rate, currently 21.99% p.a. Excludes balances transferred from other Citigroup Pty Ltd issued credit facilities. You are not eligible for interest free days on retail purchases while you have a Balance Transfer on your account.This means while you have a balance transfer on your account, any further purchases will be charged daily interest at the applicable Retail Purchase Rate currently 19.99% p.a. Offer may be extended or withdrawn at any time. Before making a Balance Transfer consider the following important information.

6. Earn rate for the Qantas Premier Everyday credit card: 1 Qantas Point per whole AU$1 equivalent on International Spend; 0.75 Qantas Points per whole AU$1 on Domestic Spend up to and including AU$3,000 each Statement Period, 0.4 Qantas Points per whole AU$1 spent above AU$3,000 each Statement Period: plus 1 Additional Qantas Point per whole AU$1 on Qantas Spend. International Spend means any Eligible Transaction made with a merchant who tells us they are located in a country outside Australia. Domestic Spend means any Eligible Transaction made with a merchant who tells us they are located within Australia.Qantas Spend means the following: flights booked directly through qantas.com and Qantas Contact Centres; Qantas flights booked through selected travel agents; Qantas Frequent Flyer and Qantas Club membership, joining and annual fees; Qantas Gift Vouchers, purchases from qantasshop.com.au, qantasstore.com.au and qantasepiqure.com.au. See Qantas Premier Credit Card Rewards Terms and Conditions. An eligible purchase is an Eligible Transaction as defined in Qantas Premier Credit Card Rewards Terms and Conditions. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi accounts, bank fees and charges such as interest and ATM charges, transactions made using Qantas Points and government related transactions. Government related transactions include transactions with government or semi government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). For full definitions, terms and conditions, see Qantas Premier Credit Card Rewards Terms and Conditions.

7. For applications submitted by 31 October 2019, 11:59pm (AEST), you will be billed a discounted annual fee of $29 for the first year upon activation of your account. The standard annual fee, currently $49, will be billed each anniversary from card approval in subsequent years. An additional cardholder annual fee, currently $25, applies per additional cardholder. These fees are subject to change.

8. Complimentary Travel Insurance is issued by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and is subject to the terms, conditions, excess, limits and exclusions set out in the Complimentary Travel Insurance Terms and Conditions arranged under a master policy of insurance between Chubb and Citigroup Pty Limited ABN: 88 004 325 080 AFSL No: 238098 Citigroup Centre 2 Park Street Sydney NSW 2000, the issuer of your card.

9. Earn rate for the Qantas Premier Platinum credit card: 1.5 Qantas Point per whole AU$1 equivalent on International Spend; 1.0 Qantas Point per whole AU$1 on Domestic Spend up to and including AU$10,000 each Statement Period, 0.5 Qantas Points per whole AU$1 spent above AU$10,000 each Statement Period: plus 1 Additional Qantas Point per whole AU$1 on Qantas Spend. International Spend means any Eligible Transaction made with a merchant who tells us they are located in a country outside Australia. Domestic Spend means any Eligible Transaction made with a merchant who tells us they are located within Australia. Qantas Spend means the following: flights booked directly through qantas.com and Qantas Contact Centres; Qantas flights booked through selected travel agents; Qantas Frequent Flyer and Qantas Club membership, joining and annual fees; Qantas Gift Vouchers, purchases from qantasshop.com.au, qantasstore.com.au and qantasepiqure.com.au. See Qantas Premier Credit Card Rewards Terms and Conditions. An eligible purchase is an Eligible Transaction as defined in Qantas Premier Credit Card Rewards Terms and Conditions. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi accounts, bank fees and charges such as interest and ATM charges, transactions made using Qantas Points and government related transactions. Government related transactions include transactions with government or semi government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). For full definitions, terms and conditions, see Qantas Premier Credit Card Rewards Terms and Conditions.

10. The Qantas Premier Platinum Primary Cardholders are entitled to 2 single entry complimentary lounge invitations per anniversary year for use at domestic Qantas Club lounges or Qantas operated International Business Lounges (excluding Los Angeles Tom Bradley Terminal International Business Lounge) in accordance with the Qantas Premier Credit Card Airline Benefit Terms and Conditions. Use of the lounge invitations is in accordance with the Qantas Lounge Invitation Terms and Conditions.

11. The Qantas Premier Platinum Primary Cardholder is entitled to the Companion Fare benefit once per year. Discount applies to selected domestic flights only when two to nine passengers (including the Primary Cardholder) travel together on the same booking number, day and flight(s). Flights must be booked through Qantas Premier Concierge and paid in full at the time of booking using the primary cardholder's Qantas Premier Platinum credit card. For full terms and conditions, see Qantas Premier Credit Card Airline Benefits Terms and Conditions.

12. New Qantas Premier Platinum credit cardholders only. Apply by 31 October 2019, 11:59pm (AEST). Your total Balance Transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred within 90 days of card approval for a period of 18 months. The 18 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 will revert to the variable Cash Advance Rate, currently 21.99% p.a. Excludes balances transferred from other Citigroup issued credit facilities. You are not eligible for interest free days on retail purchases while you have a Balance Transfer on your account.This means while you have a balance transfer on your account, any further purchases will be charged daily interest at the applicable Retail Purchase Rate currently 19.99% p.a. Offer may be extended or withdrawn at any time. Before making a Balance Transfer, consider the following important information.

13. Earn rate for the Qantas Premier Titanium credit card: 2 Qantas Points per whole AU$1 equivalent on International Spend; 1.25 Qantas Points per whole AU$1 on Domestic Spend up to and including AU$12,500 each Statement Period, 0.5 Qantas Points per whole AU$1 spent above AU$12,500 each Statement Period: plus 2 Additional Qantas Points per whole AU$1 on Qantas Spend. International Spend means any Eligible Transaction made with a merchant who tells us they are located in a country outside Australia. Domestic Spend means any Eligible Transaction made with a merchant who tells us they are located within Australia. Qantas Spend means the following: flights booked directly through qantas.com and Qantas Contact Centres; Qantas flights booked through selected travel agents; Qantas Frequent Flyer and Qantas Club membership, joining and annual fees; Qantas Gift Vouchers, purchases from qantasshop.com.au, qantasstore.com.au and qantasepiqure.com.au. See Qantas Premier Credit Card Rewards Terms and Conditions. An eligible purchase is an Eligible Transaction as defined in Qantas Premier Credit Card Rewards Terms and Conditions. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi accounts, bank fees and charges such as interest and ATM charges, transactions made using Qantas Points and government related transactions. Government related transactions include transactions with government or semi government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). For full definitions, terms and conditions, see Qantas Premier Credit Card Rewards Terms and Conditions.

14. The Bonus Status Credits are awarded to the Qantas Frequent Flyer member who holds a Qantas Premier Titanium credit card and flies on a flight booked with a Qantas Premier Titanium credit card. Bonus Status Credits are only earned on Qantas operated and marketed flights and must be booked using the Qantas Premier Titanium credit card. The offer cannot be used to move you from Platinum to Platinum One Qantas Frequent Flyer membership nor can a Platinum One member use the status credits to retain the Platinum One membership status. Bonus Status Credits will also not contribute to Lifetime Status, Loyalty Bonuses, Platinum Bonus Reward, Platinum One Member additional benefits and will not be earned in conjunction with other Status Credit promotions unless otherwise specified. The Bonus Status Credits offer is subject to change. For full terms and conditions see the Qantas Premier Titanium Credit Card Benefit Terms and Conditions.

15. The Qantas Premier Titanium Primary Cardholder is entitled to two complimentary single-entry Lounge Invitations to the Qantas First Lounges in Sydney, Melbourne or Los Angeles and two single-entry complimentary Lounge Invitations for use at domestic Qantas Club lounges or Qantas operated International Business Lounges (excluding Los Angeles Tom Bradley Terminal International Business Lounge) per anniversary year in accordance with the Qantas Premier Titanium Credit Card Benefit Terms and Conditions. Use of the Lounge Invitations is in accordance with the Qantas Lounge Invitation Terms and Conditions. The Lounge Invitation is transferable to another passenger travelling with the primary cardholder when travelling under the same booking. The Primary cardholder is unable to transfer a First Lounge Invitation to another Qantas Frequent Flyer member that is not on the same booking as them. For Qantas lounge locations visit here.

16. The Discounted Fares Benefit is available for up to two travellers twice per Qantas Premier Titanium primary cardholder credit card per anniversary year on domestic and international flights operated by Qantas and QantasLink. The booking must be made by You through the Qantas Premier Titanium Concierge service and You must nominate at the time of booking that You wish to use the Discounted Fares Benefit and pay for the booking in full using Your Qantas Premier Titanium credit card. The Discounted Fares Benefit is available on all fares including sale class fares, however it cannot be combined with any other offer, discount or promotion unless otherwise specified. The Discounted Fare Benefit is subject to change. For full terms and conditions see the Qantas Premier Credit Card Airline Benefits Terms and Conditions at qantasmoney.com/terms

17. The Qantas Money app is owned and operated by Qantas and supported on iOS9+ and Android 6+.

18. The Qantas international ATM withdrawal fee (outside Australia) will be waived from 6 May 2019 to 31 July 2019. Other fees and charges may still apply. Some ATM operators may charge their own fees or set their own limits. Other ATM Operator fees charged will not be waived or rebated. Please check with the ATM before using. Offer may be extended or withdrawn at any time.

Issuer: Heritage Bank (AFSL 240984). Consider the Product Disclosure Statement. Conditions apply.

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