Citi Rewards Platinum Credit Card – flybuys Offer

Score 75,000 bonus flybuys points and save with a $99 first year annual fee.

You can turn your points into savings at the checkout with this Citi Rewards Platinum offer! When you apply for this card by 30 June 2019, you'll get 75,000 bonus flybuys points when you spend $3,000 in the first 90 days. Plus, you'll save $50 with a reduced annual fee in the first year. If you're paying off an existing debt, you can transfer it and reduce your interest costs with 0% p.a. interest for up to 12 months on balance transfers.

Beyond the introductory flybuys bonus points offer, you can earn Citi rewards Points which you can transfer to flybuys at a rate of 1.33 Citi reward Points to 1 flybuys point.

Product NameCiti Rewards Platinum Credit Card - flybuys Offer
Rewards ProgramCiti Rewards Program
Balance transfer rate0% p.a. for 12 months
Balance transfer revert rate
The interest rate that will apply to any remaining balance after the balance transfer term ends.
Cash Advance Rate (21.74% p.a.)
Balance Transfer Limit80% of available credit limit
Purchase rate (p.a.) 20.99% p.a.
Offer end date30 June 2019
Annual fee$99 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 limit you can be granted. It is possible to request a higher credit limit but not a lower one than this figure.
$6,000
Max credit limit
This is the maximum credit limit available on this card and you can apply for increases after the account has been opened. This credit limit may not be issued to you immediately upon application.
$100,000
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa 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$99 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$30
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa 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

  • 75,000 flybuys bonus points when you spend $3,000 in the first 90 days.
  • Reduced annual fee of $99 in the first year.
  • Balance transfer offer of 0% p.a. for up to 12 months with no BT fee.
  • Complimentary travel and purchase insurance.

Cons

  • Additional cardholders come at a cost of $90 p.a. each.
  • When the balance transfer period expires, the interest charged on any outstanding balance will be charged at the higher cash advance rate.
Rewards ProgramCiti Rewards Program
Bonus Points75,000 bonus points
Rewards Points per $ spent (VISA/MC)1
Rewards Points per $ (VISA/MC) Cap10,000

Benefits of the Citi Rewards Platinum Credit Card - flybuys Offer

  • Bonus flybuys points. You can boost your rewards with 75,000 bonus flybuys points when you apply by 30 June 2019 and spend $3,000 in the first 90 days. To give you an idea of your rewards potential, you could exchange 75,000 points for $375 worth of flybuys Dollars.
  • Earn Citi reward Points. You'll earn 1 Citi reward Point per $1 spent in Australia and overseas. The earn rate is capped at $10,000 per statement period on domestic spend. You can convert 1.33 Citi reward Points for 1 flybuys point.
  • Reduced first year annual fee. When you apply by 30 June 2019, you'll save with a $99 first year annual fee (which reverts to $149 p.a. thereafter).
  • 0% balance transfer offer. New Citi customers can repay existing debt and save on interest with 0% p.a. on balance transfers for 12 months. A 0% balance transfer fee applies and any remaining debt will attract the cash advance interest rate at the end of the introductory period. You can transfer up to 80% of your approved credit limit from non-Citi credit and store card accounts as well as personal loans.
  • Complimentary international travel insurance. You can travel with peace of mind and save on necessary costs with complimentary international travel insurance. If you use your card to purchase your overseas travel ticket, you'll be covered for up to 6 months for medical, unexpected expenses, trip cancellation, and personal loss/liability. This insurance also covers your spouse or any dependent children travelling with you. See the terms and conditions for more details regarding the eligibility requirements, exclusions and claims process.
  • 24/7 personal concierge service. Whether you need help booking your family holiday, making a last minute restaurant reservation or organising a gift for a loved one, you can contact your personal concierge service for assistance 24/7 and from anywhere around the world.
  • Citi Dining Program. You'll receive a free bottle of wine every time you dine and pay with your Citi card at one of the hundreds of partner restaurants across the country.
  • Mobile wallets. Link your Citi account with Samsung Pay or Apple Pay to tap and pay with your eligible smartphone at contactless terminals.

Rates, fees and other features

  • Annual fee. This card charges a standard annual fee of $149.
  • Purchase interest rate. Your purchases will collect a 20.99% p.a. interest rate.
  • Interest-free days. You can take advantage of up to 55 interest-free days if you pay your balance in full by the statement due date. Interest-free days don't apply if you're paying off a debt from a balance transfer.
  • Cash advance interest rate. If you use your card to make a cash advance (such as an ATM withdrawal), you'll immediately attract the 21.74% p.a. interest rate.
  • Cash advance fee. As well as the interest rate, you'll be charged 3.5% of transaction amount or $3.50 (whichever is higher) when you do a cash advance in Australia. A $5 fee applies to overseas cash advances.

How to apply for the Citi Rewards Platinum Credit Card - flybuys Offer

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

  • Income. You'll need to have a minimum annual income of at least $35,000.
  • Credit history. This card is only available to people with a good credit score and a history free of defaults and bankruptcy.
  • Residency. You must be a permanent Australian resident to apply.
  • Contact details. You must be able to provide a valid email address.
  • Minimum age. Cardholders must be at least 18 years old.

Documents and details to provide

  • Personal information. Personal details such as your full name and contact details including your home address and phone number.
  • Employment. Information about your job including your role and employer's contact details. You also need to submit a letter from your employer declaring your income.
  • Financial details. You'll be asked to provide information about your income, liabilities and expenses.
  • Your credit limit. Your specified maximum credit limit (if you do not wish to choose one, leave this field blank).
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Rates last updated May 23rd, 2019
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