Citi Rewards Card – Flybuys Offer

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No longer offered in the market

The Citi Rewards Card - Flybuys Offer is no longer available for new applications. We have kept the information on this page for the benefit of existing customers. You can compare the current range of Citi credit cards here.

0% p.a.

Balance transfer rate

for 15 months with 1% balance transfer fee

75,000

Bonus points

21.49% p.a.

Purchase rate

1

Reward point

Per $ spent

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Details

Product NameCiti Rewards Card - Flybuys Offer - DISCONTINUED
Rewards programCiti Rewards Program
Balance transfer rate0% p.a. for 15 months with 1% balance transfer fee
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 period55 days
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

Pros

  • 75,000 bonus Flybuys points and $100 Kmart eGift Card
  • Discounted $49 first-year annual fee
  • 0% p.a. on balance transfers for 15 months

Cons

  • Changes a a one-time 1% balance transfer fee
  • The 21.49% p.a. purchase interest rate is relatively high compared to other rewards cards
Rewards programCiti Rewards Program
Bonus points75,000
Rewards points per $ spent1
Rewards points capUncapped
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

How to apply

You can apply for this offer online in around 15 minutes and you should receive a response in 60 seconds. Before you start the application, make sure you meet the eligibility requirements and have the necessary information on hand.

Eligibility criteria

  • Minimum income. You'll need to have an annual income of at least $35,000.
  • Residency. You must be an Australian citizen or permanent resident.

Card benefits

  • Bonus Flybuys points and $100 eGift card. You can boost your rewards with 75,000 bonus Flybuys points when you apply by 17 December 2020 and spend $3,000 in the first 90 days days from approval. You'll also get a $100 Kmart eGift card when you meet the spend requirement. As an example, you could use your bonus Flybuys points to get $375 off your shop at Coles.
  • Reduced first year annual fee. Save with a $49 first year annual fee ($149 p.a. thereafter).

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a $149 annual fee.
  • Purchase interest. If you do not pay your balance in full each statement period, your purchases will collect interest at the 21.49% p.a. interest rate. If you do pay your balance in full, you can take advantage of up to 55 interest-free days. Interest-free days don't apply if you're paying off a debt from a balance transfer.

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