WELCOMECiti® DiviDEnD WOrLD ELitEtM MastErCarD®

C a s h B a C k . s E C u r i t y . C O n v E n i E n C E .

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Here’s how it works:Earn at least 2% cash back on popular, rotating categories each quarter – from department stores, jewelry and apparel to restaurants, hotels and more. to enroll each quarter, simply sign on to your account online or call 1-800-231-0891.Earn a full 1% cash back on eligible purchases and cash advances taken at the standard cash advance rate.$5 cash back on individual balance transfer transactions of $1,500 or more.average 5% additional cash back at over 400 leading retailers through the Citi Bonus Cash Center®.

Welcome to your Citi® Dividend World ElitetM MasterCard®.

as soon as you’ve earned 50 Dividend Dollars or more,* call us at 1-866-676-4672 or visit citicards.com to request your check.

*you may earn up to $300 per calendar year payable in checks of $50 upon request. Cash back earned through the Citi Bonus Cash Center is not subject to the annual maximum accumulation.

a card built to put your money to work.

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Shop over 400 leading retailers

Earn additional cash back that’s unlimited

Earn cash back faster in more ways

Additional Cards

Recurring Bill Payments

the Citi Bonus Cash Center® is a network of over 400 leading retailers. When you shop at participating retailers or merchants, you automatically earn an average of 5% extra cash back. to earn extra cash back online, simply log on to the Citi Bonus Cash Center and browse your favorite retailers and start shopping immediately.

as a Citi® Dividend World Elite™ MasterCard® cardmember, you enjoy access to the Citi Bonus Cash Center, where you’ll earn an average of 5% extra cash back. the best part is, there is no limit to the amount of extra cash back you earn while shopping through the Citi Bonus Cash Center. this means the more you shop, the more cash back you earn.

Earn at least 2% cash back* in popular, rotating categories each quarter – from department stores, jewelry and apparel to restaurants, hotels and more. to enroll each quarter, simply sign on to account Online or call 1-800-231-0891.

sign on to account Online to request additional cards for family and household members. there is no extra charge to request an additional card, and with each card comes more ways to earn cash back faster, so you may request your check faster.

use your card to pay utility bills, magazine subscriptions and other bills that come regularly. By authorizing merchants to accept recurring bill payments using your eligible Citi Card, you’ll save time, avoid late payments and watch your cash back add up faster.

savvyshop smarter and be rewarded more.

*you may earn up to $300 per calendar year payable in checks of $50 upon request. Cash back earned through the Citi Bonus Cash Center is not subject to the annual maximum accumulation.

safEa card that keeps you prepared for the unexpected.

Price Protection*

Retail Purchase Protection*

Auto Rental Insurance*

Extended Warranty*

$0 Liability on Unauthorized Charges

The Lost Wallet® Service

24-Hour Fraud Protection

Citi Identity Theft Solutions

if you buy something with your Citi® Dividend World Elite™ MasterCard® and see it advertised in print for less within 60 days, you will receive a refund for the difference up to $250. (Excludes certain purchases and any internet purchase.)

Protects most of the things you buy with your Citi Dividend World Elite MasterCard against theft or accidental damage, up to $1,000, for up to 90 days from the date of purchase.

you will receive automatic coverage for damage due to collision or theft when you reserve and rent a car with your Citi Dividend World Elite MasterCard and decline the car rental company’s collision loss/damage waiver insurance.

Extends the terms of the original manufacturers’ u.s. warranties (of one year or less) for up to one additional year on most items purchased with your card.

There is $0 liability for unauthorized charges online or offline. You are completely protected against the unauthorized use of your card.

We’ll replace a lost or stolen card, usually within 24 hours**. We can also provide you with emergency cash, subject to your available cash advance limit.

Our early warning service may alert you to unusual activity on your account.

this free service will help you get your life back as painlessly as possible. you’ll get expert assistance on the steps to take, as well as help with paperwork and phone calls.

*Certain conditions, restrictions and exclusions apply. for complete program details, including coverage amounts, refer to your summary of additional Program information. **Emergency card replacement outside the continental u.s. may take a minimum of 48 hours. there may be a fee associated with 24 hour card replacement. Emergency cash is limited to available cash advance limit.

aDvanCEDa card so advanced, it can be customized.

Choose How You Pay

Virtual Account Numbers

PayPass®

Annual Account Summary

Choose Your Own PIN

no matter where in the world you happen to be, you can pick the most convenient way to pay: online, by phone or by mail. for online payment options, enroll now at citicards.com.

the secure way to shop online. Our free virtual account number service lets you shop online without using your real Citi® Card number.

Just one tap on the PayPass reader at participating locations, and you’re done —no more swiping. no signature is required for purchases $50 and under at select merchants and of course you still get a receipt. Plus, you get the same level of security that you’ve been accustomed to: $0 liability on unauthorized purchases.

Your personal financial planning and record keeping is easier with an annual account summary that organizes your spending by month and category.

Select a Personal Identification Number and use it for cash advances at atMs worldwide.

fLExiBLEA card so flexible, you can manage your account just about anywhere.

Online Benefits

Online Bill PaymentPaperless Statements

Citi Alerting Service

view, print and save up to one year of PDf statements immediately request PDfs of past statements over one year old at no fee view recent activity and balances add authorized usersrequest a credit line increase transfer balances recurring bill paymentsreceive special offers based on purchases you make

you can schedule up to four online payments per statement period to pay your Citi® Dividend World Elite™ MasterCard® bill. Pay your bill with same-day posting† or schedule payments for a day that works for you.

Don’t wait for your statement to arrive in the mail - go paperless. We’ll let you know when your statement is available online, plus you’ll have a searchable record of your transactions.

set up custom alerts and we’ll let you know about upcoming payments, your current balance and more all conveniently through your email or text message.

† if paid by 5 p.m. Et on a weekday

Numerous online features let you manage your account, whenever, wherever. Enroll now at citicards.com.

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rEaDya card that gives you world-class benefits no matter where you are.

Personal Concierge Service

World Elite Complimentary Professional 24/7 Travel Advisor1

Airport Lounge Access2

Companion Tickets1

Automatic Travel Accident Insurance2

Trip Cancellation/Trip Interruption Coverage2

Lost Luggage Coverage2

Enjoy complimentary 24/7 assistance with dinner reservations, entertainment and travel recommendations, and other helpful services around the world.

you’ll have access to a personal travel advisor from virtuoso®, the international network of the finest travel agencies and advisors. however you get there and whatever you do, you get more — on air travel, cruises, hotels and resorts, tours, car rentals and chauffeured service, all orchestrated by your own advisor. it adds up to big savings on better travel experiences.

Makes your air travel less stressful by providing membership access to over 600 airport Lounges in over 100 countries with Priority PasstM.

When you travel on select flights to select destinations, buy one ticket and receive another ticket with the same itinerary as your own.

When you use your Citi® Dividend World ElitetM MasterCard® to purchase plane, train, ship or bus tickets, you are automatically covered for automatic travel accident insurance at no additional cost to you.

in the event you are prevented from taking or continuing a trip you billed to your Citi card, you are eligible to receive up to $1,500 in trip Cancellation/trip interruption coverage.

Provides up to $3,000 in lost luggage coverage for you and your dependents when you charge your entire common carrier fare with your Citi Dividend World Elite MasterCard.

to speak to a Concierge representative, call 1-888-283-7199.

1 To take advantage of all the World Elite travel benefits provided by Virtuoso, World Elite MasterCard cardholders must book through Virtuoso or a Virtuoso travel advisor and must reserve and pay in full for reservations, including deposit and final payment, with a valid World Elite MasterCard. When you purchase a full-fare Business Class ticket, you’ll receive a complimentary Business Class companion ticket. Available from select cities to international destinations on Air Pacific, Air Tahiti Nui (L.A. to Paris), Iberia, Icelandair, Qantas and us airways — with no blackout dates. When you purchase a full-fare first Class ticket on air tahiti nui from L.a. to destinations in france, new Zealand or tahiti, receive a complimentary first Class companion ticket. 2 Certain conditions, restrictions and exclusions apply. for complete program details, including coverage amounts, refer to your summary of additional Program information.

Contact information for your convenience.

account Online Enrollment

Cash Back

Banking

Customer service

Enroll in Account Online at

Quarterly Bonus Offers Enrollment

Citibanking

Citi ATM Locator Service

Concierge Service

Secure Messaging

TDD Service

Citi Customer Service

Cash Back Redemption

Citi Bonus Cash Center website

1-800-231-0891 or sign on to account Online

(access to Citi’s other financial services) 1-800-321-Citi

1-800-Citi-atM

1-888-283-7199

if you have a question about your account, please use our secure Message Center by signing on to your account at citicards.com and choosing the “Contact us” option from the “help & Contact us” dropdown menu.

(for speech or hearing impaired cardmembers) 1-800-325-2865

1-800-950-5114

1-866-676-4672