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1. Offer extended to 28 February 2022. 150,000 bonus Qantas Points offer is available to new approved Qantas Premier Titanium credit card account holders who apply by 11.59pm (AEDT) 28 February 2022. 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 or more is spent on eligible purchases within 3 months of card 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 ends 28 February 2022.

2. 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 Eligible Transactions when paying with Your Qantas Premier credit card: flights booked directly through qantas.com and Qantas Contact Centres; Qantas flights booked through selected travel agents and processed with Qantas being identified by the card scheme as the relevant merchant; purchases of Qantas Frequent Flyer membership; purchases of Qantas Club membership, joining and annual fees; purchases made from Qantas Wine and at the Qantas Rewards Store. Please note, Qantas Spend excludes purchases other than those specified above; in particular, it does not include (but is not limited to) purchases made with Jetstar or Qantas Holidays or shopping.qantas.com. In addition, whether or not a transaction is Qantas Spend will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). For example, based on information provided by the merchant or the financial institution, flights booked through a travel agent may be processed as spend with the travel agency or its related entity rather than with Qantas. This means that the purchase would not be considered as 'Qantas Spend'. 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.

3. 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 Discounted Fare Benefit only applies to the base fare and does not apply to any carrier charges, taxes and other fees that may be included in the total fare price. The base fare is the initial price of the flight amount, and does not include any additional costs such as taxes, fees and other charges. 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

4. 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.

5. 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.

6. The annual account keeping fee, currently $1,200, 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 $100, applies per additional cardholder. These fees are subject to change.

7. 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 Qantas Premier Titanium Credit Card Complimentary 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.

8. 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 when paying with your Qantas Premier credit card: flights booked directly through qantas.com and Qantas Contact Centres; Qantas flights booked through selected travel agents and processed with Qantas being identified to the card scheme as the relevant merchant; Qantas Frequent Flyer and Qantas Club membership, joining and annual fees; Qantas Gift Vouchers, and purchases from the Qantas Rewards Store. This Special Promotion is only applicable to your first Qantas Purchase. Please note, Qantas Purchases for the purpose of this offer excludes purchases other than those specified above; in particular, it does not include (but is not limited to) purchases made with Jetstar or Qantas Holidays or shopping.qantas.com. In addition, whether or not a transaction is a Qantas Purchase for the purpose of this offer will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). For example, based on information provided by the merchant or the financial institution, flights booked through a travel agent may be processed as spend with the travel agency or its related entity rather than with Qantas. This means that the purchase would not be considered as a Qantas Purchase.

9. 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.

10. 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.

11. An annual membership fee of $99 usually applies for Qantas Wine Premium Membership but this will be waived so long as you continue to hold your Qantas Premier Titanium credit card. Qantas Wine Premium Membership and its benefits are subject to the Qantas Wine Terms and Conditions. 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.

12. The Qantas Wellbeing App is offered by Qantas and you must be a member of the Qantas Frequent Flyer (QFF) program and be 13 years of age or over to use it. Conditions apply and are available at https://insurance.qantas.com/termsofuse. Membership and Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions available at www.qantas.com/au/en/frequent-flyer/discover-and-join/terms-and-conditions.html. Each Qantas Premier Titanium Primary Cardholder can earn up to 20,000 Qantas Points in a year through the App as part of this offer. To earn 20,000 points, you must complete the highest daily and weekly challenges, win every weekly group challenge and complete all checks. Qantas Points earned via the App will be credited to Your QFF account on a fortnightly basis. Qantas may amend or withdraw this offer including points offers for activities within the App at any time.

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

14. The Qantas Money app is owned and operated by Qantas and supported on iOS11+ and Android 6+.