Citigroup Pty Ltd ABN 88 004 325 080 AFSL 238098 (Citigroup) is the credit provider and issuer of Bank of Queensland Credit Cards (Credit Cards).  Fees and charges are payable. Full terms and conditions are available at any Bank of Queensland branch.  Normal credit assessment criteria apply. This website contains general advice. This advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it. You should obtain and consider the terms and conditions, Financial Services Guide and Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it. You can obtain a copy of those documents from any Bank of Queensland branch.

Bank of Queensland Limited ABN 32 009 656 740 (Bank) distributes the Credit Cards under an agreement with Citigroup. The Bank does not and will not guarantee or otherwise support Citigroup's obligations under the contracts or agreements connected with the Credit Cards. The words "we", "us" or "our" will generally read as a reference to Citigroup, but if the context requires these words to refer to the Bank, they will refer to the Bank undertaking relevant actions or making relevant decisions for or on behalf of Citigroup.