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1. Offer ends 30 April 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 30 April 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 do not contribute to the spend threshold. 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 Offer may be extended or withdrawn at any time.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 100,000 bonus Qantas Points offer is available to new approved Qantas Premier Platinum credit card account holders who apply by 30 April 2019. 70,000 bonus Qantas Points will be awarded when $3,500 is spent on eligible transactions in the first 90 days from approval. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. The 70,000 bonus Qantas Points will ordinarily be credited within 6 - 8 weeks of meeting the spend criteria. Once the annual fee is paid on the anniversary of the card approval, allow up to 12 weeks for the remaining 30,000 bonus points to be awarded. 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 Offer may be extended or withdrawn at any time.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 30 April 2019, you will be billed an annual fee of $149, 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. 20,000 bonus Qantas Points offer is available to new approved Qantas Premier Everyday credit card account holders who apply by 30 April 2019. 20,000 bonus Qantas Points will be awarded when $3,000 or more is spent within the first 90 days from card approval. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. 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.

5. New Qantas Premier Everyday credit cardholders only. Apply by 30 April 2019. The 0% p.a. rate applies to Retail Purchases (excluding Cash Advances) for 9 months from account approval. At the end of the 9 month promotional period any outstanding Retail Purchase Balance in addition to and new Retail purchases will attract variable Annual Percentage Rate for Retail Purchases, currently 19.99% p.a. The interest rates are current as at 30 October 2018. Offer may be withdrawn or extended at any time.

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. The annual account keeping fee, currently $49, will be billed to your account on card activation for the first year, and on the anniversary of your 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 Cardholder is 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. 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.

13. 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.

14. 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. For Qantas lounge locations visit here.

15. 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

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

17. Qantas Travel Money is a prepaid Mastercard® payment facility built into the back of the Qantas Frequent Flyer Membership Card. To be eligible to receive the Qantas Card with the option of Qantas Travel Money you must be an Australian resident Qantas Frequent Flyer member 16 years of age or older. Heritage Bank Limited (AFSL 240984) (the Issuer) issues Qantas Travel Money under arrangements between it, Qantas and Mastercard Prepaid Management Services Australia Pty Limited (AFSL 386837) (a Mastercard business). Mastercard Prepaid Management Services Australia Pty Limited distributes Qantas Travel Money (together with Qantas which is an authorised representative of Mastercard Prepaid Management Services Australia Pty Limited for the purposes of providing general financial product advice with respect to Qantas Travel Money). Mastercard Prepaid Management Services Australia Pty Limited can be contacted at customercare@qantastravelmoney.com. Mastercard Prepaid Management Services Australia Pty Limited and Qantas earn foreign exchange revenue from Qantas Travel Money transactions. Mastercard Prepaid Management Services Australia Pty Limited receives a processing fee from domestic Qantas Travel Money "point of sale" transactions. Qantas receives revenue generated by Qantas Travel Money transactions based on interchange fees paid to the Issuer, deposits held by the Issuer, cardholder fee and certain rebates and incentives from Mastercard Asia/Pacific Pty Ltd. This information has been prepared without taking into account your objectives, financial situation or needs and you should consider the appropriateness of the information about the Qantas Travel Money facility having regard to those matters. A Product Disclosure Statement (PDS) in respect of Qantas Travel Money is available via qantastravelmoney.com and will also be given to applicants. A person should obtain and consider the PDS before making any decisions about whether to acquire or continue to hold the prepaid facility.

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