Citi Rewards Card – Flybuys Offer

Receive 100,000 bonus Flybuys points and a reduced annual fee of $49 for the first year.

The Citi Rewards Credit Card offers a range of premium features, including rewards, complimentary extras and introductory offers for new customers. Apply for this card by 31 August 2021 and spend $3,000 in the first 90 days to receive 100,000 bonus Flybuys points. That's enough for $500 off your shop at Coles and other partners if you redeem them for Flybuys dollars.

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0% p.a.

Balance transfer rate

for 15 months with 1% balance transfer fee


Bonus points

21.49% p.a.

Purchase rate


Reward point

Per $ spent

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Product NameCiti Rewards Card - Flybuys Offer
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 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 bonus Flybuys points
  • Discounted $49 first-year annual fee
  • 0% p.a. on balance transfers for 15 months


  • Charges 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 points100,000
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

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

This introductory offer on the Citi Rewards card gives you a way to get a massive 100,000 bonus Flybuys points. Your everyday spending on this Mastercard also earns you 1 Citi Rewards point per $1 spent (capped at $10,000 per statement period for Australian spending). You can redeem these points for merchandise and gift cards through the Citi Rewards program or transfer them to a partner loyalty program – including Flybuys, Emirates Skywards and Singapore Airlines KrisFlyer.

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. Earn 100,000 bonus Flybuys points when you apply by 31 August 2021 and spend $3,000 on eligible purchases in the first 90 days from approval. Eligible purchases cover most everyday spending but exclude transactions including cash advances, balance transfers, refunds and spending on a linked Diners Club Card. Citi will request your Flybuys membership number from you by email within 8 weeks of meeting the spend criteria.
  • Reduced first year annual fee. Save with a $49 first year annual fee ($149 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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