1. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions. Eligible purchases do not include money orders, traveller’s cheques, gambling chips or purchasing foreign currencies in cash. You do not earn Qantas Points when loading funds to your facility, transferring funds to another currency balance or another member’s facility or when withdrawing funds from ATMs or cashing out your facility balance. Purchases that are reversed, refunded or charged-back are also ineligible for Qantas Points earn, in addition to fees incurred. Qantas Points are earned as follows: 1.5 Qantas Points per AU$1 spent in foreign currency and 1 Qantas Point per AU$4 spent in Australian dollars. Qantas Points are calculated using the Qantas Travel Money Daily Rate as defined in the PDS, and may vary daily. For more information see qantastravelmoney.com or contact Mastercard Qantas Travel Money Global Support.

2. Offer extended to 26 February 2020. Up to 120,000 bonus Qantas Points offer is available to new approved Qantas Premier Platinum credit card account holders who apply by 26 February 2020, 11:59pm (AEDT). Please note that the 120,000 bonus Qantas Points will not be awarded if you as the primary cardholder currently hold a Qantas Premier Everyday, Qantas Premier Platinum or Qantas Premier Titanium credit card, or have closed, or qualified for bonus Qantas Points on any of those Qantas Premier credit cards within the last 12 months. 20,000 Qantas Points will be awarded each statement period when $1,500 or more is spent on eligible purchases that month. This offer is only available for the first 6 months from account approval. 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. 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 Offer may be extended or withdrawn at any time.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. Offer extended to 26 February 2020. 150,000 bonus Qantas Points offer is available to new approved Qantas Premier Titanium credit card account holders who apply by 11.59pm (AEDT) 26 February 2020. Please note that the 150,000 bonus Qantas Points will not be awarded if you as the primary cardholder currently hold a Qantas Premier Everyday, Qantas Premier Platinum or Qantas Premier Titanium credit card, or have closed, or qualified for bonus Qantas Points on any of those Qantas Premier credit cards within the last 12 months. 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. 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.

4. Offer available for new Qantas Premier Everyday credit cardholders only. Up to 25,000 bonus Qantas Points offer is available to new approved Qantas Premier Everyday credit card account holders who apply by 26 February 2020, 11:59pm (AEDT). 5,000 Qantas Points will be awarded each statement period when $1,000 or more is spent on eligible purchases that month. This offer is only available for the first 5 months from account approval. Eligible transactions 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. If the spend criteria is not met for any of the individual months during the first 5 months, 5,000 bonus Qantas Points will not be awarded for that month. This offer is only available for the first 5 months from account approval. Please note that the 25,000 bonus Qantas Points will not be awarded if you as the primary cardholder currently hold a Qantas Premier Everyday, Qantas Premier Platinum or Qantas Premier Titanium credit card, or have closed, or qualified for bonus Qantas Points on any of those Qantas Premier credit cards within the last 12 months. 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. 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 Qantas Shopping Rewards Store and Qantas Wine. 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.

6. The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any fixed payment option balance which isn’t due for payment by that payment due date). No interest free period is available on cash advances or balance transfers. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance.

7. For applications submitted by 26 February 2020, 11:59pm (AEDT), 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. 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 Qantas Shopping Rewards Store and Qantas Wine. 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.

9. 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.

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

11. 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 Qantas Shopping Rewards Store and Qantas Wine. 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.

12. 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.

13. 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.

14. Exchange rates for initial loads and subsequent reloads made using Bank Transfer, BPAY or Instant Load via qantastravelmoney.com will be set at the prevailing exchange rate set out at qantastravelmoney.com at the time you request the load provided the transaction is settled within four hours. Different exchange rates apply for loads initiated directly via Bank Transfer or BPAY using your Unique Payment Details (i.e. not via qantastravelmoney.com). If you initiate a load or reload via Bank Transfer or BPAY using your Unique Payment Details, the exchange rate applied will be the prevailing exchange rate at the time the funds are received into your facility. For more information on how exchange rates are set and applied, please see the Product Disclosure Statement.

15. Terms and conditions apply. Visit qantastravelmoney.com for details.

16. A foreign exchange rate will apply to foreign transactions as set out in the PDS. Other fees and charges may apply.

17. In order to be eligible for the 100 bonus Qantas Points, customers must download and log into the Qantas Money app - ongoing offer. Points will be usually credited to the Qantas Frequent Flyer account up to 6 to 8 weeks after download and log in. If customers have downloaded and logged into the Qantas Money app prior to this period, they will not be eligible for the 100 bonus Qantas Points.

18. Promoter: Qantas Airways Limited. Eligible Entrants: Australia resident Qantas Frequent Flyer members aged 18 years or over. Promotion Period: 12:01am (AEDT) 13 January 2020 - 11:59pm (AEDT) 29 February 2020. Entry: Eligible Entrants must successfully activate Qantas Travel Money for one entry and/or load AU$1,500 or more equivalent in foreign currency onto Qantas Travel Money for fifteen entries. Draw: 2:00pm on Tuesday 17 March 2020 at MDSA, Level 17, 40 Mount Street, North Sydney NSW 2060. Prizes: 10 x $10,000 ( AUD equivalent in foreign currency). The funds will be credited to the winners’ Qantas Travel Money facility within four weeks from the date the winner confirms their chosen currency with Qantas. Maximum total prize pool: AU$100,000. Winner notification: By email or phone within 2 business days of the draw. Winners’ names will be published online at qantastravelmoney.com/competition from Tuesday 24 March 2020 and in The Australian newspaper on Tuesday 24 March 2020. For full competition terms and conditions go to qantastravelmoney.com/competition-terms. Authorised under permit numbers: NSW Permit No LTPS/19/40397, ACT Permit No.TP19/04759 & SA Licence No.T19/2037.

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