Exclusive offer: Citi Rewards Credit Card

National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the credit provider and issuer of Citi branded credit products. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to provide transitional services.

Our/us/we means NAB unless the context otherwise requires it.

“Citi”, “Citibank”, “Citigroup”, the Arc design and all similar trade marks and derivations thereof are used temporarily under licence by NAB from Citigroup Inc. and related group entities.

60,000 bonus Velocity Points:To be eligible to receive 60,000 bonus Velocity Points (automatically redeemed from 120,000 Citi reward Points), you must apply for a new Citi Rewards Credit Card by 20 January 2025, spend a minimum of $5,000 on eligible purchases using your new card within 3 months from approval and provide your Velocity membership number to us to enrol in Points Autosweep. Eligible purchases exclude Citi PayAll payments, Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria. You will receive an email from us 2 months after you have met the spend criteria with information on how to provide your Velocity membership number to us to enrol in Points Autosweep. 120,000 Citi reward Points (equivalent to 60,000 Velocity Points) will be credited to your Citi Rewards Balance within 2 months of meeting the spend criteria and automatically transferred to Velocity on the date nominated by you, provided you have enrolled in Points Autosweep. Once transferred, it may take up to 1 month for the Velocity Points to appear in your Velocity account. Additional 30,000 bonus Velocity Points: An additional 60,000 Citi reward Points (equivalent to 30,000 Velocity Points) will be credited to your Citi Rewards Balance within 3 months of your Account being open for 12 months, provided it has been activated by you. All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Your Citi Rewards Credit Card must remain open and in good standing (for example – your account is not in default, suspended or closed), for the Citi reward Points to be awarded. Membership of Velocity is your responsibility. The redemption of Citi reward Points will be administered solely by us and are subject to the Terms and Conditions of the Citi Rewards Program. Velocity membership and points earn and redemption are subject to the Velocity Terms and Conditions, as amended from time to time, available at velocityfrequentflyer.com. This offer is valid until 20 January 2025. We may vary or end this offer at any time. This offer is not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer.

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth).NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

Mobile Phone Protection Insurance (Cover) is provided under and by way of a group policy (Group Policy) issued by AIG Australia Limited (ABN93004727753, AFSL381686) (AIG) to National Australia Bank Limited (ABN12004044937, AFSL and Australian Credit Licence230686) (“NAB”). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business.ThisCover is available to Cardholders (“you/your”) while you remain an eligible Mastercard and/or Visa cardholder of NAB, subject to NAB’s and AIG’s right to alter the Cover. The terms, conditions and excluded cover are specified in the ‘Citi Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions‘ as amended from time to time. When eligible, you have the benefit of cover as a third partybeneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. Neither Citi nor NAB is the issuer or insurer of the Cover.NeitherCiti nor NAB nor any of its related corporations guarantee any of the benefits under the Cover. Please note that you must have a contract with a mobile phone provider and a monthly automatic billing arrangement.

To redeem Citi reward Points for Velocity Points you must be a Velocity member and advise NAB of your Velocity number prior to redemption. Velocity membership and Points earn and redemption is subject to the Velocity Terms and Conditions, as amended from time to time, available at velocityfrequentflyer.com. You can choose to manually redeem a minimum of 2,000 Citi reward Points at a time, or opt in for Points Autosweep. If you opt in for Points Autosweep, your Citi Rewards Balance will be automatically transferred to Velocity on the date nominated by you each month, provided your Rewards Balance is at least 2,000 Points. The rate at which Citi reward Points are redeemed for Velocity Points will be displayed at the time of redemption or you opting in for Points Autosweep. Visit Citi Online to manually redeem Citi reward Points for Velocity Points or set up Points Autosweep. You may opt out of Points Autosweep at any time and still be able to manually redeem your Citi reward Points for Velocity Points. The redemption of Citi reward Points will be administered solely by NAB and are subject to the Terms and Conditions of the Citi Rewards Program. Velocity Points may take up to 28 days to appear in your Velocity account. Once Citi reward Points have been redeemed for Velocity Points, they are governed by the Velocity Terms and Conditions and cannot be changed, cancelled or reversed.

To be eligible for the $10 monthly cashback (Cashback Offer) your monthly payment for your BINGE Standard or BINGE Premium subscription must be made between 20 November 2024 – 31 October 2025 (Promotional Period) using your eligible Citi Prestige Mastercard, Citi Premier Mastercard, Citi Rewards Mastercard, Citi Clear Mastercard credit cards. The Cashback Offer is only available on BINGE Standard or Premium monthly subscriptions. BINGE Standard and Premium subscriptions will automatically renew each month at full RRP. Must sign up via binge.com.au. Excludes sign ups via Hubbl.com.au. This Cashback Offer cannot be used in conjunction with any other offer, promotion, special offer, discount, coupon, or discount code, nor is it transferrable. Subscriptions purchased using any other form of payment (e.g. through a third-party establishment or payment processor such as Telstra, PayPal, gift cards, Apple Pay, Samsung Pay and Google Pay, or loyalty points) will not be eligible for the Cashback Offer. The Cashback Offer will be credited to your account by the next statement after the eligible BINGE subscription has been purchased each month you stay subscribed to BINGE during the Promotional Period, provided your account is in good standing (for example – your account is not in default, suspended or closed).  Cashback will not be credited to your account if the qualifying spend is refunded. Customers who upgrade to the BINGE Standard or Premium plan during the Promotional Period, otherwise in accordance with these terms, will be eligible for the Cashback Offer, which will be paid by the statement after first full payment of the higher subscription fee.  The Cashback Offer payment will reduce the outstanding balance of your credit card account but will not count towards your next minimum monthly repayment obligation. Please note that if you have a Balance Transfer you will be charged interest on any spend that you make. Credit is not redeemable for cash or other payment form. Use of BINGE requires acceptance of the Hubbl Streaming & Account Customer Terms. Please note that any questions regarding your BINGE subscription should be directed to BINGE Support. Any questions regarding your cashback or credit card account should be directed to the Citi Customer Service Team. We may vary or end this offer at any time.

Based on the lead-in Economy Reward Seat and Business Reward Seat fares on Virgin Australia and international partner airlines from 17 October 2024 for the advertised route. Some non-lead-in Domestic Reward Seat base fares on Virgin Australia, the base fare for Short-Haul International Reward Seat fares on Virgin Australia, and the base fare for selected fares and routes for International Reward Seats fares for international partner airlines will increase on 21 January 2025. For more details about these changes, visit velocityfrequentfyer.com. The Reward Seat base fare is payable in Velocity Points, and taxes, fees and carrier charges are payable in addition to Velocity Points redeemed for the base fare. Reward Seats are limited and may not be available at the advertised lead-in Reward Seat base fares, at peak times or on all flights. Reward Seat bookings must be made on the Virgin Australia website by selecting “Use Points”. Reward Seats and associated charges are not eligible for Points earn. Payment surcharge may apply. You can change or get a refund for your booking by paying a fee and any fare difference, at least 24 hours before scheduled departure. You may also request a refund for other reasons, including under the Australian Consumer Law. View the Velocity Reward Seat fare rules for more information. Some flights may be operated by a partner airline. Different baggage allowances and conditions may apply to these flights. Full terms and conditions at velocityfrequentflyer.com.