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1. 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 in a currency other than Australian Dollars. Domestic Spend means any Eligible Transaction made in Australian Dollars irrespective of whether or not an international transaction fee was incurred on the transaction. An eligible purchase is an Eligible Transaction as defined in Qantas Premier Credit Card Rewards Terms and Conditions. An Eligible Transaction is 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, government related transactions or transactions with semi-government entities or related services. An Eligible Transaction will be determined based on information provided either by the merchant or the relevant financial institution. For full definitions, terms and conditions, see Qantas Premier Credit Card Rewards Terms and Conditions.

2. 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.

3. 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.

4. Offer extended to 30 November 2018. 60,000 bonus Qantas Points offer is available to new approved Qantas Premier Platinum credit card account holders who apply by 30 November 2018. 60,000 bonus Qantas Points will be awarded when $4,000 is spent in the first 90 days from 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. 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 in a currency other than Australian Dollars. Domestic Spend means any Eligible Transaction made in Australian Dollars irrespective of whether or not an international transaction fee was incurred on the transaction. An eligible purchase is an Eligible Transaction as defined in Qantas Premier Credit Card Rewards Terms and Conditions. An Eligible Transaction is 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, government related transactions or transactions with semi-government entities or related services. An Eligible Transaction will be determined based on information provided either by the merchant or the relevant financial institution. For full definitions, terms and conditions, see Qantas Premier Credit Card Rewards Terms and Conditions.

6. Qantas Premier Concierge is a complimentary service available to the Primary Cardholder of a Qantas Premier credit card. Refer to the Qantas Premier Credit Card Rewards Terms and Conditions. Concierge Services provided by Aspire Lifestyles (Americas), Inc.

7. Offer further extended to 30 November 2018. For applications submitted by 30 November 2018, you will not be billed an annual fee 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 may be subject to change. Offer may be extended or withdrawn at any time.

8. Offer further extended to 30 November 2018. Offer available for new Qantas Premier cardholders only. Up to 40,000 bonus Qantas Points offer is available to new approved Qantas Premier Everyday credit card account holders who apply by 30 November 2018. 20,000 bonus Qantas Points will be awarded each month that $2,000 or more is spent for the first two months 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.

9. 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.

10. 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.

11. Visit www.mastercard.com for terms and conditions of their fraud protection policy.

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

13. The first Qantas Purchase on your account within 6 months of card approval will automatically convert to a 0% p.a. interest rate for 6 months from the date the transaction is processed. Any unpaid balance at the end of the 6 month period will revert to the variable annual percentage rate for retail purchases, currently 19.99%p.a. A Qantas Purchase under this Special Promotion is any of 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 qantasstore.com.au, and qantasepiqure.com.au For the avoidance of doubt, purchases through qantasshop.com.au are not Qantas Purchases.

14. 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 from purchase date. No interest free period is available on Cash Advances or when you have Balance Transfers.

15. Offer further extended to 30 November 2018. The annual account keeping fee, currently $299, 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 $50, applies per additional cardholder. These fees are subject to change.

16. Gift voucher will be sent to the email address on your Qantas Frequent Flyer profile within 30 days of card approval. You will receive a $50 discount if you use the gift voucher when you make a purchase of $100 or more on qantasepiqure.com.au. Gift voucher valid for one use only, cannot be redeemed for cash, is not transferable and expires 30 August 2019. To purchase from Qantas epiQure, you must be a Qantas Frequent Flyer member, 18 years of age and over and have an Australian delivery address. Liquor Act 2007: It is an offence to sell or supply to or to obtain liquor on behalf of a person under the age of 18 years. Licence Number: LIQP770016736.

17. Offer extended. To earn one $300 Qantas Flight Voucher, you must successfully apply for a Qantas Premier Platinum credit card by 30 November 2018, then spend $4,000 within 90 days from card approval. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. The Flight Voucher will be sent to the email address on your Qantas Frequent Flyer profile within 6-8 weeks of meeting the spend criteria, and is valid for 6 months from the date of issue. Flight Voucher can be redeemed for one-way or return Qantas domestic or international flights departing Australia only, is non-refundable and cannot be used for multi-city, Classic Flight Rewards, Points Plus Pay- Flights, Points Plus Pay bookings, or redeemed for cash.