Citi Rewards Card – Bonus Points Offer

Enjoy 100,000 bonus points and a reduced annual fee in the first year with a new Citi Rewards Mastercard.

This Citi Rewards credit card offer gives you a big 100,000 bonus Citi Reward Points when you spend at least $3,000 on eligible purchases in the first 90 days. That's enough for $460 of digital gift cards from over 50 brands.

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0% p.a.

Balance transfer rate

for 15 months


Bonus points

21.49% p.a.

Purchase rate


Reward point

Per $ spent

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Product NameCiti Rewards Card - Bonus Points Offer
Rewards programCiti Rewards Program
Balance transfer rate0% p.a. for 15 months
Balance transfer revert rateCash Advance Rate (22.24% p.a.)
Balance transfer limit80% of available limit
Purchase rate21.49% p.a.
Annual fee$49 annual fee for the first year ($149 p.a. thereafter)
Interest-free periodUp to 55 days on purchases
Cash advance rate22.24% p.a.
Min credit limit$6,000
Max credit limit$100,000
Card typeMastercard
Foreign currency conversion fee3.4%
Minimum income$35,000
Available to temporary residentsNo
Joint applicationNo


  • 100,000 Citi Rewards Points
  • $49 first-year annual fee ($149 p.a. thereafter)
  • 0% p.a. on balance transfers for 15 months, with no BT fee


  • Balance transfer reverts to the high 22.24% p.a. cash advance rate
  • Charges a $90 fee per additional cardholder
Rewards programCiti Rewards Program
Bonus points100,000
Rewards points per $ spent1
Rewards points cap10,000
Annual fee$49 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$30
Foreign currency conversion fee3.4%
Cash advance fee3.5% or $3.50, whichever is greater
Overseas cash advance fee$5
Additional cardholder fee$90
Number of additional cardholders4

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Citi Rewards Mastercard is linked to a flexible rewards program and offers 1 point per $1 spent on eligible purchases, with a high points cap of $10,000 per statement period on your domestic spending (but no cap for overseas spending). The 100,000 bonus points offer currently available is competitive with other rewards credit cards, and gives you more than enough to cover the annual fee. As well as digital gift cards from brands like Coles, Woolworths and Bunnings, you can use these points to get credit back on your account for almost anything through Pay with Points, shop directly at or even transfer them to a partner frequent flyer program.

With this card, you can also earn points on bills and other larger payments that don’t usually collect points, thanks to the Citi PayAll platform. As well as rewards, you can take advantage of complimentary purchase cover and extended warranty cover for eligible items you buy, and get a complimentary bottle of wine when you dine with Citibank Dining Program partners and pay with this card.

How to apply

You can apply for this credit card offer in around 15 minutes and receive a response instantly. Before you apply, make sure you've met the eligibility requirements and have the necessary documents and details on hand.

Eligibility criteria

  • Minimum income. You must earn at least $35,000 to apply for this card.
  • Residency. You must be an Australian citizen or permanent resident.

Card benefits

  • 100,000 bonus points. Receive a bonus 100,000 Citi Rewards Points when you apply for this card and spend a minimum of $3,000 on eligible purchases in the first 90 days from account approval. Eligible purchases cover most of your everyday spending but exclude cash advances, balance transfers, chargebacks and any spending on a linked Diners Club Card. The bonus points will be added to your account within 6-8 weeks of meeting the spend requirement.
  • Annual fee discount. Get a reduced $49 annual fee for the first year. After the first year, the annual fee is $149.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a standard annual fee of $149.
  • Purchase interest rate. The variable interest rate for purchases is 21.49% p.a.

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