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Citi Rewards Card – Fybuys Offer

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Receive 75,000 bonus Flybuys points, a $100 Kmart gift card and a reduced annual fee of $49 for the first year.

The Citi Rewards Platinum Credit Card offers a range of premium features, including rewards, complimentary extras and introductory offers for new customers. Apply for this card by 17 December 2020 and spend $3,000 in the first 90 days to receive 75,000 bonus Flybuys points and a $100 Kmart eGift card.

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 programflybuys,Citi 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


  • 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


  • 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 programflybuys,Citi 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

Expert review

Amy Bradney-George

Review by

Amy Bradney-George is the acting editor for credit cards and has more than 13 years’ experience writing about personal finance. She has bylines in publications including The Sydney Morning Herald, ABC News and The Equity Magazine. A passionate writer, she’s also acting editor for Finder X and senior writer for Finder Green. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not writing she spends her time as an actress.

Expert review

The introductory offer on the Citi Rewards card gives you a way to get 75,000 bonus Flybuys points and a $100 Kmart eGift card. Your everyday spending on this Mastercard will earn 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 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 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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