Citi Platinum Credit Card – Exclusive Offer

Enjoy 0% interest on purchases and balance transfers for 13 months. Plus, a reduced annual fee of $49 for the first year.

The Citi Platinum Credit Card offers 0% p.a. interest for 13 months on purchases and balance transfers (with no balance transfer fee) and a reduced annual fee of $49 for the first year. To take advantage of this offer, you must apply through finder.com.au by 31 January 2019.

In addition to these features, you can look forward to complimentary insurance covers, a personal concierge, access to the Citibank Dining Program and Visa benefits.

What are Finder Member Offers?

Finder Member Offer

These exclusive deals are only available to Finder Members. It's free to sign up, takes less than 30 seconds and offers extra perks like a free credit score.

Product NameCiti Platinum Credit Card - Exclusive Offer
Rewards ProgramCiti Rewards Program
Balance transfer rate (p.a.)0% p.a. for 13 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Cash Advance Rate (21.74% p.a.)
Balance Transfer Limit80% of available credit limit
Purchase rate (p.a.)0% p.a. for 13 months (reverts to 20.99% p.a.)
Offer end date31 January 2019
Annual fee$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 55 days on purchases
Cash advance rate (p.a.)21.74% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$6,000
Max credit limit
This credit limit may not be issued to you immediately upon application. This is the maximum credit limit available on this card and you can apply for increases after the account has been opened.
$100,000
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3.4% of transaction value
Complimentary Travel InsuranceYes
Minimum Income$35,000
Minimum Age18 years of age
Available To Temporary ResidentsNo
Joint ApplicationNo
Annual fee$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Minimum Monthly Repayment2% of the closing balance or $30, whichever is greater
Late Payment Fee$10
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3.4% of transaction value
Cash Advance Fee3.5% of transaction amount or $3.50
Overseas Cash Advance Fee$5
Gambling Transactions AllowedNo
Additional Cardholder Fee$90
Number of Additional Cardholders4

Pros

  • Take advantage of 0% interest on purchases and balance transfers for up to 13 months (with no BT fee).
  • Enjoy a reduced annual fee of $49 in the first year.
  • You can stay protected with complimentary travel and purchase insurance.

Cons

  • Even for a platinum credit card, a standard annual fee of $149 is fairly high.
  • Additional cardholders come at a cost of $90 each
Rewards ProgramCiti Rewards Program
Rewards Points per $ spent (VISA/MC)1
Rewards Points per $ (VISA/MC) Cap10,000

Benefits of the Citi Platinum Credit Card

  • Exclusive purchase rate offer. Save on credit card costs with 0% p.a. interest for 13 months on purchases when you apply through finder.com.au by 31 January 2019. Rate reverts to 20.99% p.a. thereafter.
  • Exclusive balance transfer offer. Take advantage of 0% p.a. interest for 13 months on balance transfers, with no balance transfer fee. At the end of the 13-month introductory period, any unpaid balance will be charged interest at the cash advance rate, currently 21.74% p.a. This offer is only available through finder until 31 January 2019.
  • Annual fee discount. Save with a discounted annual fee of $49 for the first year ($149 p.a. applies thereafter).
  • Linked Diners Club Card. Citi Platinum cardholders can also apply for a Linked Diners Club Card (LDCC) to take advantage of higher points earn rates. If you apply for a LDCC, you will earn 2 points per dollar spent on eligible transactions, uncapped. Please note that separate Diners Club eligibility requirements and rewards terms and conditions apply to this card.
  • Foreign transaction fees. If you use your Linked Diners Club Card to make a transaction in an overseas currency, the foreign transaction fee will be waived. If you use your Citi Platinum card to make a foreign transaction, the standard 3.4% fee will apply.
  • Citi reward Points. This card earns 1 Citi reward Point per dollar spent on eligible domestic and international spend. There is a domestic spend cap of $10,000 per statement period, but no cap for eligible international spend. These points can then be redeemed for a wide range of rewards through the Citi Rewards Program, including travel, merchandise, cashback and frequent flyer points.
  • Transfer personal loan debt. Citi is one of the few providers that allow you to transfer the balance of a personal loan to a credit card. Line of credit accounts can also be included in a balance transfer to the Citi Platinum Credit Card.
  • Complimentary travel insurance. Purchase your overseas travel tickets with this card and you and your family can be covered for medical expenses, trip cancellation due to unexpected circumstances, loss or theft of personal items and more.
  • Other complimentary insurances. This card also gives you access to purchase protection insurance that protects you against loss, theft or damage to a covered item purchased with the card. You'll also get an extended warranty cover for eligible items and a guaranteed pricing scheme that refunds the difference in price if you use the Citi Platinum Credit Card to purchase an eligible item and you see it on sale for less somewhere else.

Features of the Citi Platinum Credit Card

Here are the features you should consider when looking at the Citi Platinum Credit Card.

  • Purchase rate. This card charges a variable purchase rate of 20.99% p.a.
  • Cash advance rate. This card charges a variable cash advance rate of 21.74% p.a. Note that this rate will also apply to any balance transfer amount that remains at the end of the balance transfer introductory period.
  • Balance transfer limit. Citi allows you to transfer up to 80% of your credit limit. You can transfer debt from Australian credit cards, store cards or personal loans not issued by Citi.
  • Interest-free days. If you pay your balance in full by the due date on each statement, you can get up to 55 days interest-free on purchases. You will not get interest-free days while you carry debt from a balance transfer.
  • Additional cardholders. You can add up to 4 additional cardholders to the account for a $90 annual fee per additional card.
  • Visa benefits. Access to Visa benefits like Visa Frontline Access, which gives you cheap seats to the hottest tickets in town. This account is also Visa PayWave enabled.
  • Mobile payment technology. With the Samsung Pay and Apple Pay smartphone apps, you can now easily make payments by tapping your phone at the contactless terminal.

How to apply for the Citi Platinum Credit Card

If you would like to apply for this finder exclusive offer for the Citi Platinum Credit Card, you can do so using the "Go to Site" button on this page. The application should only take 10 – 15 minutes to complete and Citi will contact you to verify the status of your application within moments of submitting the online form. Please refer to the following eligibility criteria before you apply:

Eligibility criteria

  • You must be 18 years of age or older.
  • You must have a good credit rating.
  • You must earn an income $35,000 p.a. or more
  • You must be a citizen or permanent resident of Australia.
  • You must apply via finder.com.au.

Required documents

If you meet the criteria for this card, you can start the application process. Make sure you have the following details and documents handy:

  • Personal information. You have to provide your contact details, residential address, email address and driver's licence number.
  • Employment information. You'll need to provide proof of employment such as payslips. You'll also be required to submit your employer's details, or your accountant's details if you're self-employed.
  • Financial information. You have to provide proof of assets and liabilities. As well as your primary income, this could include income from any investments or shares, as well as savings accounts. You'll also need to provide details of any existing debts and loans such as mortgages, plus regular expenses such as rent, groceries and household bills.

The Citi Platinum Credit Card is a premium product that provides a competitive points earn rate on purchases and includes 0% p.a. purchase and balance transfer offers. However, the standard annual fee of $149 is higher than some other platinum cards, so make sure you compare a range of products to help you find an option that suits your needs.

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Credit Cards Comparison

Rates last updated December 13th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee. Ends 16 December 2018
More info
Suncorp Clear Options Platinum Credit Card - Online Offer
20.74% p.a.
0% p.a. for 18 months
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
American Express Westpac Altitude Platinum Bundle - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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