Citibank Platinum Mastercard with itunes Reward Points-123

Use your Citi Platinum MasterCard to get the music you love. Simply use your Citi Platinum MasterCard for your everyday purchases and you'll earn iTunes music points*. You can then use these points for iTunes music downloads - or even save for an iPod nano!

• Earn 1 point for every £1 you spend* on your Citi Platinum MasterCard

• 2,000 point bonus if you make £250 worth of purchases within the first 3 months of having your credit card

• A 3% service fee applies for each balance transfer (subject to a minimum of £5)

• Free Identity Theft Solutions • Free purchase protection** • Free online fraud guarantee** • Typical17.9% APR (variable)

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Rates and Charges of Citibank Platinum Mastercard Creditcard

PLATINUM SUMMARY BOX The information contained in this table summarises key product features and is not intended to replace any Terms and Conditions
APR on Purchases	Typical 16.9% APR(variable)
Other rates	Introductory Rate	Monthly Rate	Annual Rate
Purchases	N/A	From 1.313% to 2.079%	From 15.8% to 24.9% per annum (variable)
Cash Advances	N/A	From 2.079% to 2.329%	From 24.9% to 27.9% per annum (variable)
Balance Transfers	0% for 9 months on all balance transfers made within 90 days of account opening date	From 1.313% to 2.079%	From 15.8% to 24.9% per annum (variable)
Flex Payments	N/A	From 1.313% to 2.079%	From 15.8% to 24.9% per annum (variable)
Interest free period	Up to 56 days for purchases if you pay your balance in full and on time. 0 days for cash advances, credit card cheques balance transfers and Flex Payments
Interest charging information	The periods over which interest are charged are as follows: From Until Purchases transaction date repaid in full* Cash Advances transaction date repaid in full* Balance Transfers date debited to your account repaid in full* Credit Card Cheques date debited to your account repaid in full* Flex Payments date debited to your account repaid in full*
Allocation of payments	All payments we receive from you will (unless otherwise required by law) be applied to payments your Account in the following order: (a) Flex Payments Monthly Instalment (to be applied to each Flex Payment facility in the order of creation); (b) other interest and Account Charges; (c) existing Promotional Balances - lowest rates first; (d) new Promotional Balances - lowest rates first; (e) existing Purchase balances and non-promotional Balance Transfers - in the order in which they were debited to your Account as shown on the monthly statement; (f) new Purchase balances and non-promotional Balance Transfers - in the order in which they were debited to your Account but not yet shown on the monthly statement; (g) existing Cash balances shown on the last monthly and/or previous statements - in the order in which they were debited to your Account as shown on the monthly statement; (h) new Cash balances - in the order in which they were debited to your Account but not yet shown on the monthly statement; and (i) the balance of each Flex Payments facility (to be applied to each facility in the order of creation).
Minimum monthly repayment	Unless we tell you otherwise, the minimum monthly payment will be: the greater of: (a) £5; or (b) 2.25% of the Non Flex Payments Balance; or (c) (i) 1% of the Non Flex Payments Balance; plus (ii) billed interest on the Non Flex Payments Balance as shown on your statement; plus (iii) late fees charged in accordance with clause 12.1 as shown on your latest statement (unless these have been cleared prior to the statement date in accordance with clause 9.2); PLUS any amount by which you have exceeded your Credit Limit at the date of your statement; PLUS any Flex Payments Monthly Instalments (which include all interest applied to any Flex Payments facility during the statement period); PLUS all minimum monthly payments outstanding from previous statements.
Amount of credit	Minimum credit limit of £500, maximum credit limit subject to status.
Fees	No annual fee.
Charges	Balance Transfers 3% of each Balance Transfer (subject to a minimum service fee of £5) Cash Advances Cash from an ATM - 3% service fee (minimum £5). Other Cash Advances – the higher of (i) £5 or (ii) 3% of each cash advance Foreign Exchange 2.75% exchange fee on non-sterling transactions Duplication Statement £3 for a copy of a statement Authorised Sales Voucher £10 for a copy of an authorised sales voucher Personal Information £10 for a copy of the information we hold about you and your account
Default charges	Late Payment Fee (failure to make the minimum requested payment to your account by the payment due date): £12 Overlimit Fee (charge for exceeding your agreed credit limit at any time): £12 Return Fee (charge applied when a direct debit, cheque or other item is not paid when presented): £12 Insufficient Funds (charge applied if there are insufficient funds on your account to cover a credit card cheque that you have issued on your account): £12

Citi Platinum MasterCard Credit Card

With so many benefits,
the Citi Platinum MasterCard has you covered.

As a Citi Platinum MasterCard holder, you’ll be recognised the world over, no matter where you travel, and you’ll always enjoy an array of exclusive benefits developed exclusively for our Platinum Card customers.

Citi Identity Theft Solutions
If someone gets their hands on your personal information, such as your bank account details, it’s possible that they could fraudulently open other financial agreements in your name. Citi Identity Theft Solutions is a free service we provide to all Citi Cardholders to help you restore your good name and good credit if you have your identity stolen. Find out more about Citi Identity Theft Solutions.

Shop online with confidence Any charges to your card made online without your consent will be refunded, so you can buy goods online with confidence.

Active fraud protection If we see something that looks suspicious when your card is being used, we'll alert you. If it proves to be fraudulent, you will not be liable for any purchase you haven’t authorised.

Price match guarantee If you buy something with your Citi Platinum MasterCard and then find it cheaper elsewhere within 60 days, we’ll refund the difference. See Insurance Information.*

Free peace of mind when you're abroad Book your holiday with your Citi Platinum MasterCard, and you’ll have up to £100,000 free cover if you’re injured whilst travelling. You can also access expert medical and legal assistance – free at any time of the day or night. See Insurance Information.*

12 months extended warranty Save money with an additional 12 months extended warranty on domestic electrical items you buy with your card. See Insurance Information.*

Free purchase protection Relax knowing that anything you buy with your card is covered against accidental damage and theft for the first 30 days. See Insurance Information.*

Optional cardholder repayment protection (CRP) If you can’t make your Citi Card repayments because of involuntary unemployment or need time off work following an accident or serious illness, after 30 consecutive days we can arrange for them to be taken care of (to a maximum monthly repayment of £500) for up to 12 months. What's more, your entire balance will be cleared in the event of your death (to a maximum of £20,000). You can have this peace-of-mind for only 85p per £100 of your statement balance at statement date. See Insurance Information.*

Optional Card Protection Plan Plus (CPP Plus) Protect against the fraudulent use of your cards when lost or stolen with Card Protection Plan Plus. CPP Plus cancels your old cards and orders new ones immediately for only £29 per year, or £70 for 3 years' cover.
See Insurance Information.*

Online account servicing You can manage just about every aspect of your account online, including accessing statements, viewing transactions, requesting a PIN reminder or a credit limit increase, and making debit card payments. More information. Citi Alerts Receive updates on your account by text message, email or both. It means you don't have to wait until you receive your statement to find out the latest on your account. It's a great way of staying on top of your finances wherever you are - and of making sure your account stays secure. To register for Citi Alerts, call Card Services today on 0870 908 6000.**

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Citibank Shell Master Credit Card

Drive down your fuel costs
You could save around £130 each year~

So how does it work?

1. You will earn Shell rebate every time you use your card:^
The Shell MasterCard from Citi gives you:

• 3% rebate on Shell purchases in Great Britain

• 1% rebate when you use your card anywhere else

• Typical standard rate of 16.9% APR (variable)
For example:



And there's no limit on how much you can earn!

2. Redeeming your Shell rebate
Just keep buying Shell fuel in Great Britain each month, and we will automatically credit your Shell MasterCard from Citi account with your accrued rebate up to the value of your Shell fuel purchase - saving you money every time you fill up!^

Plus...

Save with 0% p.a. on balance transfers for the first 9 months*, typical standard rate 15.8% per annum (variable) thereafter. 3% fee, (minimum £5).

Additional benefits
• Up to £50,000 motor legal protection†

• Free travel accident insurance†

• Discounted motoring benefits • No annual fee • More benefits *View Terms and Conditions for this credit card. View Rates and Charges for this credit card. Important Legal Information. †For important information on our insurance products see Insurance Terms and Conditions. If you require assistance, please contact Card Services on 0870 330 4330#. ~Around £130 annual saving based on spending £160 on Shell fuel in Great Britain and £600 on other purchases each month on your Shell MasterCard from Citi. # Calls may be recorded and/or monitored for training and quality purposes.

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