1. The preferential discount is available to Citigold clients on all new Mortgage Plus or Basic Mortgage variable rate accounts where the mortgage is established via a Citibank Mortgage Specialist or through a Citibank Branch. Offer does not apply to any existing Citibank Mortgage accounts. Funds in a mortgage offset account do not contribute towards Citigold eligibility criteria. Minimum home loan amount applies. Not available in conjunction with any other offer. Terms, conditions and credit criteria apply.

2. As a Citigold client, you are entitled to a fee reduction for only one credit card account, which could be either a Citi Rewards Signature credit card, or a Citi Prestige credit card. Any other credit card accounts you apply and get approved for will not be eligible for these Citigold fee reduction offers. Not to be combined with any other offer. Credit criteria apply. All rewards are subjected to the Terms and Conditions of the Citibank Rewards Program. Cash advances do not earn Reward points. Different Rewards points earn rates apply to cardholders who enrol in airline frequent flyer direct earn rewards programs.

3. Citibank Travel Insurance available to Australian residents aged up to 69 years of age. Seniors Frequent Traveller Insurance policy available to Australian residents aged up to 79 years of age for journeys of up to 45 days duration each. Citibank Travel Insurance is issued and underwritten by ACE Insurance Limited ABN 23 001 642 020, AFSL No. 239687 (ACE) and distributed by Citibank.

This is general advice only and was prepared without taking into account your objectives, financial situation or needs. You should consider if the advice is appropriate for you. We recommend you seek professional advice before acting on the information in this material. You should read the Product Disclosure Statement or Terms and Conditions, available online or from a Citibank branch, before you make an investment decision. Investments are subject to risk, including loss of income and principal. Past performance is not an indicator of future performance. Due to exchange rate fluctuations, you risk losing capital if you invest in foreign currency. Some products are not available to US persons and may not be available in all jurisdictions. Investments are not a deposit with, liability of, or guaranteed by Citigroup Pty Limited, Citibank NA, Citigroup, Inc. or their related entities.