COMPLIMENTARY INSURANCE

International Travel Insurance for Citibank Rewards Credit Card - Platinum and Emirates Citibank Platinum Cardholders

Eligibility

Citibank Rewards Credit Card - Platinum and Emirates Citibank Platinum Cardholders are eligible for International Travel Insurance, if their travel is less than six (6) consecutive months and, when prior to leaving Australia, their overseas travel ticket (but not taxes or airport or travel agent charges) was obtained by one or a combination of the following methods:

• charging the cost of the overseas travel ticket to the cardholder's card; or
• obtaining the overseas travel ticket under the Citibank Travel Program; or
• obtaining the overseas travel ticket via the cardholder's airline frequent flyer program, provided that a minimum of 15,000 points were transferred to that frequent flyer program from points earned on a Citibank Card or via Citi Rewards, over a 12 month period prior to obtaining the overseas travel ticket; and
• the person is a cardholder at the time they obtain their overseas travel ticket.

What is covered?

The table below shows the limits that apply and an outline of the cover available. Please read the entire policy to make sure that you understand the details of the cover provided and to ensure it meets your requirements.

Transit Accident Insurance for Citibank Rewards Credit Card - Platinum, and Emirates Citibank Platinum cardholders

Eligibility

Citibank Rewards Credit Card -Platinum, and Emirates Citibank Platinum cardholders, spouses and/or dependent children are eligible for Transit Accident Insurance if the entire payment for the trip was charged to the cardholder's card prior to the commencement of the trip.

If the cardholder is eligible for this insurance, the cardholder's spouse and dependent children are also eligible for this insurance provided:

• They are travelling with the cardholder on the entire trip; and
• The entire payment for their trip was charged to the cardholder's card prior to the commencement of the trip.

What is covered?

This cover provides certain accidental death and injury cover for cardholders who whilst outside Australia sustain an injury while riding as a passenger in (not as a pilot, driver or crewmember), or boarding or alighting a plane, tourist bus, train or ferry as outlined in this policy. If a person sustains more than one injury resulting from one accident, only the Benefit Amount for the greater injury will be paid. The injury must have been sustained as a direct result of an accident whilst on a trip, and occur within 12 months or the accident. Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Citibank Rewards Credit Card - To Emirates Citibank World MasterCard Platinum,and Emirates Citibank Platinum cardholders

For Citibank Select, Citibank Rewards Credit Card - Signature, Citibank Rewards Credit Card ,and Emirates Citibank Platinum cardholders

Eligibility

All Citibank cardholders are eligible for Purchase Cover Insurance for covered products:

• Purchased anywhere in the world
• Given as a gift to any permanent Australian resident,

provided the whole purchase price of the covered products is charged to the cardholder's card.

When does cover apply?

Purchase Cover Insurance applies to covered products for 90 days after the date of purchase.

What is covered?

Summary of benefits

Purchase Cover covers covered products against theft, loss or damage anywhere in the world if the eligible cardholder or the recipient of the covered products has already taken possession of them and the eligible cardholder makes a claim within 21 days of the theft, loss or damage.

The liability for claims made pursuant to the Complimentary Purchase Cover insurance shall not exceed the lesser of:

• The actual amount charged to the cardholder's eligible credit card account to purchase the covered products; or
• A$10,000 per claim in respect of jewellery, watches and fine arts; or
• A$200,000 in any 12-month period in respect of any one cardholder's eligible credit card account.

Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Excess

You must pay the first A$100 for each Purchase Cover Insurance claim. An excess is not an additional fee charged by us at the time of making a claim. Rather it is the uninsured first portion of a loss for which you are otherwise covered (i.e. the amount that you must contribute towards each claim).

Guaranteed Pricing Scheme reimburses Citibank cardholders for the difference in price, up to A$500, between a covered product they have purchased on their card and the same covered product advertised in a store produced catalogue.

Eligibility

All Citibank Credit Card cardholders are eligible for the Guaranteed Pricing Scheme when the whole purchase price of a covered product is charged to the cardholder's card and the price difference is more than A$75.

What is covered?

We cover you for the difference in price, up to A$500, between the price of a covered product and the purchase price of the same item advertised in a store catalogue that is produced after you purchase the covered product, provided that:

• The cheaper covered product is new, the same model number and year and produced by the same manufacturer as the covered product purchased;
• The cheaper covered product is available from a store within a 25 kilometre radius of the store where you purchased the covered product; and
• You make a claim under this cover no later than 60 days after the purchase of your covered product and provide to us the store-catalogue advertising the cheaper covered product.

Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Cover limits

This cover section does not apply to covered products purchased or advertised exclusively on the internet.

Extended Warranty Insurance is a benefit available to Citibank Rewards Credit Card - Platinum, and Emirates Citibank Platinum cardholders.

The cover extends the manufacturer's expressed warranty on personal goods purchased, provided the purchase is charged to the cardholder's eligible Citibank credit card account.

The insurance cover provided in respect of the purchase of personal goods comes into effect at the end of the manufacturer's registered written warranty that applies to the personal goods.

For Example:

This Extended Warranty Insurance only covers the failure of personal goods to operate for the purpose for which they were designed as a result of a breakdown or defect, provided the breakdown or defect is covered by the terms of the warranty. Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Excess

You must pay the first A$100 for each Extended Warranty Insurance claim. An excess is not an additional fee charged by us at the time of making a claim. Rather it is the uninsured first portion of a loss for which you are otherwise covered (i.e. the amount that you must contribute towards each claim).

International Travel Insurance for CitiBusiness Gold Credit Card Cardholders.

Eligibility

Citibank Rewards Credit Card - CitiBusiness Gold Credit Card cardholders are eligible for this International Travel Insurance, if their travel is less than three (3) consecutive months and, when prior to leaving Australia, their overseas travel ticket (but not taxes or airport or travel agent charges) was obtained by one or a combination of the following methods:

• charging the cost of the overseas travel ticket to the cardholder's card; or
• obtaining the overseas travel ticket under the Citibank Travel Program; or
• obtaining the overseas travel ticket via the cardholder's airline frequent flyer program, provided that a minimum of 15,000 points were transferred to that frequent flyer program from points earned on a Citibank Card or via Citi Rewards, over a 12 month period prior to obtaining the overseas travel ticket; and
• the person is a cardholder at the time they obtain their overseas travel ticket.

What is covered?

The table below shows the limits that apply and an outline of the cover available for CitiBusiness Gold Credit Card Cardholders, their spouses and dependent child/children. Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

For Citibank CitiBusiness Gold Card Cardholders

Eligibility

All Citibank cardholders are eligible for Purchase Cover Insurance for covered products:

• Purchased anywhere in the world
• Given as a gift to any permanent Australian resident

Provided the whole purchase price of the covered products is charged to the cardholder's card.

When does cover apply?

Purchase Cover Insurance applies to covered products for 90 days after the date of purchase.

What is covered?

Summary of benefits

Purchase Cover covers covered products against theft, loss or damage anywhere in the world if the eligible cardholder or the recipient of the covered products has already taken possession of them and the eligible cardholder makes a claim within 21 days of the theft, loss or damage.

The liability for claims made pursuant to the Complimentary Purchase Cover insurance shall not exceed the lesser of:

• The actual amount charged to the cardholder's eligible credit card account to purchase the covered products; or
• A$3,000 per claim in respect of jewellery, watches and fine arts; or
• A$200,000 in any 12-month period in respect of any one cardholder's eligible credit card account.

Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Excess

You must pay the first A$100 for each Purchase Cover Insurance claim. An excess is not an additional fee charged by us at the time of making a claim. Rather it is the uninsured first portion of a loss for which you are otherwise covered (i.e. the amount that you must contribute towards each claim).

Guaranteed Pricing Scheme reimburses all Citibank cardholders for the difference in price, up to A$500, between a covered product they have purchased on their card and the same covered product advertised in a store produced catalogue.

Eligibility

All Citibank cardholders are eligible for Guaranteed Pricing Scheme when the whole purchase price of a covered product is charged to the cardholder's card and the price difference is more than A$75.

What is covered?

We cover you for the difference in price, up to A$500, between the price of a covered product and the purchase price of the same item advertised in a store catalogue that is produced after you purchase the covered product, provided that:

• The cheaper covered product is new, the same model number and year and produced by the same manufacturer as the covered product purchased
• The cheaper covered product is available from a store within a 25 kilometre radius of the store where you purchased the covered product, and
• You make a claim under this cover no later than 60 days after the purchase of your covered product and provide to us the store catalogue advertising the cheaper covered product

Cover limits

This cover section does not apply to covered products purchased or advertised exclusively on the internet.

For Citibank Rewards Credit Card - Classic Cardholders

Eligibility

All Citibank cardholders are eligible for Purchase Cover Insurance for covered products:

• Purchased anywhere in the world; or
• Given as a gift to any permanent Australian resident,

provided the whole purchase price of the covered products is charged to the cardholder's card.

When does cover apply?

Purchase Cover Insurance applies to covered products for 90 days after the date of purchase.

What is covered?

Summary of benefits

Purchase Cover covers covered products against theft, loss or damage anywhere in the world if the eligible cardholder or the recipient of the covered products has already taken possession of them and the eligible cardholder makes a claim within 21 days of the theft, loss or damage.

The liability for claims made pursuant to the Complimentary Purchase Cover insurance shall not exceed the lesser of:

• The actual amount charged to the cardholder's eligible credit card account to purchase the personal goods; or
• A$1,000 per claim in respect of jewellery, watches and fine arts; or
• A$50,000 in any 12-month period in respect of any one cardholder's eligible credit card account.

Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Excess

You must pay the first A$100 for each Purchase Cover Insurance claim. An excess is not an additional fee charged by us at the time of making a claim. Rather it is the uninsured first portion of a loss for which you are otherwise covered (i.e. the amount that you must contribute towards each claim).

Guaranteed Pricing Scheme reimburses all Citibank cardholders for the difference in price, up to A$500, between a covered product they have purchased on their card and the same covered product advertised in a store produced catalogue.

Eligibility

All Citibank cardholders are eligible for Guaranteed Pricing Scheme when the whole purchase price of a covered product is charged to the cardholder's card and the price difference is more than A$75.

What is covered?

We cover you for the difference in price, up to A$500, between the price of a covered product and the purchase price of the same item advertised in a store catalogue that is produced after you purchase the covered product, provided that:

• The cheaper covered product is new, the same model number and year and produced by the same manufacturer as the covered product purchased;
• The cheaper covered product is available from a store within a 25 kilometre radius of the store where you purchased the covered product; and

you make a claim under this cover no later than 60 days after the purchase of your covered product and provide to us the store-catalogue advertising the cheaper covered product

Cover limits

This cover section does not apply to covered products purchased or advertised exclusively on the internet.

Transit Accident Insurance for Citi Simplicity and Clear Platinum cardholders

Eligibility

Citi Simplicity and Clear Platinum cardholders, spouses and/or dependent children are eligible for Transit Accident Insurance if the entire payment for the trip was charged to the cardholder's card prior to the commencement of the trip.

If the cardholder is eligible for this insurance, the cardholder's spouse and dependent children are also eligible for this insurance provided:

• They are travelling with the cardholder on the entire trip; and
• The entire payment for their trip was charged to the cardholder's card prior to the commencement of the trip.

What is covered?

This cover provides certain accidental death and injury cover for cardholders who whilst outside Australia sustain an injury while riding as a passenger in (not as a pilot, driver or crewmember), or boarding or alighting a plane, tourist bus, train or ferry as outlined in this policy. If a person sustains more than one injury resulting from one accident, only the Benefit Amount for the greater injury will be paid. The injury must have been sustained as a direct result of an accident whilst on a trip, and occur within 12 months or the accident. Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Citi Simplicity and Clear Platinum

For Citi Simplicity and Citibank Clear Platinum cardholders

Eligibility

All Citibank cardholders are eligible for Purchase Cover Insurance for covered products:

• Purchased anywhere in the world
• Given as a gift to any permanent Australian resident,

provided the whole purchase price of the covered products is charged to the cardholder's card.

When does cover apply?

Purchase Cover Insurance applies to covered products for 90 days after the date of purchase.

What is covered?

Summary of benefits

Purchase Cover covers covered products against theft, loss or damage anywhere in the world if the eligible cardholder or the recipient of the covered products has already taken possession of them and the eligible cardholder makes a claim within 21 days of the theft, loss or damage.

The liability for claims made pursuant to the Complimentary Purchase Cover insurance shall not exceed the lesser of:

• The actual amount charged to the cardholder's eligible credit card account to purchase the covered products; or
• A$10,000 per claim in respect of jewellery, watches and fine arts; or
• A$200,000 in any 12-month period in respect of any one cardholder's eligible credit card account.

Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Excess

You must pay the first A$100 for each Purchase Cover Insurance claim. An excess is not an additional fee charged by us at the time of making a claim. Rather it is the uninsured first portion of a loss for which you are otherwise covered (i.e. the amount that you must contribute towards each claim).

Guaranteed Pricing Scheme reimburses Citibank cardholders for the difference in price, up to A$500, between a covered product they have purchased on their card and the same covered product advertised in a store produced catalogue.

Eligibility

All Citibank Credit Card cardholders are eligible for the Guaranteed Pricing Scheme when the whole purchase price of a covered product is charged to the cardholder's card and the price difference is more than A$75.

What is covered?

We cover you for the difference in price, up to A$500, between the price of a covered product and the purchase price of the same item advertised in a store catalogue that is produced after you purchase the covered product, provided that:

• The cheaper covered product is new, the same model number and year and produced by the same manufacturer as the covered product purchased;
• The cheaper covered product is available from a store within a 25 kilometre radius of the store where you purchased the covered product; and
• You make a claim under this cover no later than 60 days after the purchase of your covered product and provide to us the store-catalogue advertising the cheaper covered product.

Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Cover limits

This cover section does not apply to covered products purchased or advertised exclusively on the internet.

Extended Warranty Insurance is a benefit available to Citi Simplicity and Citibank Clear Platinum Cardholders.

The cover extends the manufacturer's expressed warranty on personal goods purchased, provided the purchase is charged to the cardholder's eligible Citibank credit card account.

The insurance cover provided in respect of the purchase of personal goods comes into effect at the end of the manufacturer's registered written warranty that applies to the personal goods.

For Example:

This Extended Warranty Insurance only covers the failure of personal goods to operate for the purpose for which they were designed as a result of a breakdown or defect, provided the breakdown or defect is covered by the terms of the warranty. Please read the entire policy to make sure you understand the details of the cover provided and to ensure it meets your requirements.

Excess

You must pay the first A$100 for each Extended Warranty Insurance claim. An excess is not an additional fee charged by us at the time of making a claim. Rather it is the uninsured first portion of a loss for which you are otherwise covered (i.e. the amount that you must contribute towards each claim).