Citi Rewards Platinum Credit Card – flybuys Offer

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Score 70,000 bonus flybuys points and save with a $49 first year annual fee.

You can turn your points into savings at the checkout with this Citi Rewards Platinum flybuys offer. When you apply for this card by 31 January 2020, you'll get 70,000 bonus flybuys points when you spend $3,000 in the first 90 days.

0% p.a.

Balance transfer rate

for 12 months


Bonus points

20.99% p.a.

Purchase rate


Reward point

Per $ spent (Visa/Mastercard)


Product NameCiti Rewards Platinum Credit Card - flybuys Offer
Rewards Programflybuys
Citi Rewards Program
Balance Transfer Rate0% p.a. for 12 months
Balance Transfer Revert RateCash Advance Rate (21.74% p.a.)
Balance Transfer Limit80% of available balance
Purchase Rate20.99% p.a.
Annual Fee$49 for the first year ($149 thereafter)
Interest Free Period55 days
Cash Advance Rate21.74% p.a.
Minimum Credit Limit$6,000
Maximum Credit Limit$100,000
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)3.4% of transaction value
Complimentary Travel InsuranceYes
Minimum Income$35,000
Minimum Age18 years of age
Available to Temporary ResidentsNo
Joint ApplicationNo


  • 70,000 flybuys bonus points
  • Reduced $49 first year annual fee
  • 1.33 Citi rewards Points equals 1 flybuys point
  • Complimentary travel and purchase insurance


  • Additional cardholders come at a cost of $90 p.a. each.
  • After the bonus points promotion, you have to manually transfer rewards to flybuys
Rewards Programflybuys
Citi Rewards Program
Bonus Points70,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)1
Rewards Points per $ Cap (Visa/Mastercard)Uncapped
Annual Fee$49 for the first year ($149 thereafter)
Minimum Monthly Repayment2% of the closing balance or $30, whichever is greater
Late Payment Fee$30
Foreign Currency Conversion Fee (Visa/Mastercard)3.4% of transaction value
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

Sally McMullen

Review by

Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

Expert review

One of few flybuys offers on the market, the 70,000 bonus flybuys points offered on the Citi Rewards Platinum could be redeemed for $350 worth of flybuys Dollars to spend at Coles and other partners. Ongoing, it earns 1 Citi reward Point per $1 on eligible spend and 1.33 Citi reward Points can be exchanged for 1 flybuys point (you must transfer a minimum of 2,000 points at a time).

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. You can boost your rewards with 70,000 bonus flybuys points when you apply by 31 January 2020 and spend $3,000 in the first 90 days from approval. To give you an idea of your rewards potential, you could exchange 70,000 points for $350 worth of flybuys Dollars.
  • Earn Citi reward Points. Outside of the bonus points promotion, you'll earn 1 Citi reward Point per $1 spent both in Australia and overseas. Points are capped at $10,000 spend per statement period on domestic transactions, but are uncapped on international spend. You can exchange 1.33 Citi reward Points for 1 flybuys point.

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 20.99% 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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