Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Go to mastercard.com.au for more information.

1. The standard annual 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.

2. 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 24 February 2021, 11:59pm (AEDT). 20,000 bonus Qantas Points will be awarded when $3,000 or more is spent on eligible purchases within 3 months of card 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. Any bonus Qantas Points will be forfeited if you no longer hold or close your Qantas Premier Everyday Credit Card Account before they appear in your Qantas Frequent Flyer Account. Please note that the 20,000 bonus Qantas Points will not be awarded if you are currently a primary cardholder of another 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 Offer may be extended or withdrawn at any time.

3. New Qantas Premier Everyday credit cardholders only. Apply by 24 February 2021, 11:59pm (AEDT). 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.

4. 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.

5. Participation in My Card Offers is subject to the My Card Offers Terms and Conditions.

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 Qantas 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.

7. ‘Qantas Spend’ means Eligible Transactions made with the following merchants: 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 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.

8. 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.

9. Instalment plan offers are subject to eligibility and only available if your account is and remains in good standing. Please refer to Section 5 of the Qantas Premier Credit Card Terms and Conditions for the instalment plan terms and conditions.

10. 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 Qantas Rewards Store and Qantas Wine. See Qantas Premier Credit Card Rewards Terms and Conditions. The maximum 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 and the 0% p.a. for 6 months Qantas Spend Promotion Ending Balance amount). 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.

11. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Terms and conditions apply.

12. 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.

13. Terms and conditions apply. Visit www.mastercard.com.

14. 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. In order to be eligible for the 200 bonus Qantas Points, customers must download and log into the Qantas Money app and connect at least one supported bank account - ongoing offer. Although most major banks are supported, there are some smaller institutions not currently available. The list of supported banks can be found by logging in to the Qantas Money app, clicking on settings and "Connect accounts". The full list of supported banks will display. Points will be usually credited to the Qantas Frequent Flyer account up to 6 to 8 weeks after connection. If customers have connected an account in the Qantas Money app before, they will not be eligible for the 200 bonus Qantas Points, as this is for new users only.