Citibank ‘CitiBusiness’ Business Credit Card – Details & Application

Information verified correct on December 3rd, 2016

Need more than a regular credit card to manage your business credit? Citibank's 'CitiBusiness' Business Credit Card acts as your personal and ultimate business companion.

Please note that the Citibank 'CitiBusiness' Business Credit Card is no longer available. Compare other Citi credit cards to find the right one for you.

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Citibank 'CitiBusiness' Credit Card review

The Citibank CitiBusiness business credit card could help you manage your business cash flow better at the same time as rewarding you for using your credit card.

The Citibank CitiBusiness business credit card is specifically designed to make running a business simpler. Offering up to $60,000 credit limit, you could benefit from seeing all of your transactions listed clearly on one easy monthly statement that can reduce the time spent on managing your expenses.

Citibank 'CitiBusiness' benefits

  • Reduce Business Costs

If you already have an outstanding business credit card, you could consider rolling it over to a Citibank CitiBusiness business credit card. When you transfer outstanding balances from other lenders over to Citibank, you could receive a 0% p.a. for 4 months on balance transfers.

This can seriously reduce the amount of interest you pay on your business credit card interest bills, making cash flow easier and giving you the opportunity to reduce your business debt more quickly.

If you regularly repay your balance amount to zero before the statement date each month, you could also enjoy up to 55 days interest free on your business purchases.

  • Rewards Program

Citibank CitiBusiness business credit cards also offer business owners a rewards program, allowing you to earn 1.25 points for every $1 spent on your credit card. Your points never expire, so you could redeem your points for something for your business or you might choose to reward yourself. The choice is yours.

You'll also receive special offers and discounts to exclusive theatre tickets, musicals, sporting events, dinner and travel packages, sightseeing tours and much more.

  • Personalised Service

Citibank will allow you to add up to 99 additional cards to your Citibank CitiBusiness business credit card account. Give them to your employees for business expenses to help manage spending more easily.

Citibank 'CitiBusiness' features

Product NameWestpac Flexi First Option Home Loan
Interest Rate TypeVariable
Comp Rate^ (p.a.)
Minimum Loan Amount$25,000
Maximum Loan Term30 years
Maximum LVR80%
Maximum Insured LVR95%
Mortgage Offset AccountNo
Mortgage 100% OffsetNo
Loan Redraw FacilityYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Suitable for InvestmentNo
Extra RepaymentYes
Available as equity loan/line of creditNo
Repayment TypePrincipal & Interest and Interest Only Options
  • Rewards program. Earn 1.25 reward points for every $1 spent - with no point expiry. 1 reward point is redeemable for 1 Frequent Flyer point among other rewards.
  • Credit limit. Access up to $60,000 in credit limit.
  • Annual fee. $74 p.a. annual fee for the first year ($149 p.a. thereafter) annual fee with $0 for every supplementary card.
  • Complimentary International Travel Insurance. Travel with peace of mind courtesy of the complimentary insurance offer.
  • Complimentary business concierge service. Receive assistance at any time of the day with your personal concierge.
  • Balance transfers. 0% p.a. for 4 months on balance transfers
  • Rates and fees. 0% p.a. for 4 months (reverts to 20.74% p.a.) on purchases and 21.49% p.a. on cash advances - 55 days interest free on purchases.

How to apply for a Citibank CitiBusiness Business Credit Card 

Applying for a Citibank CitiBusiness business credit card should take you less than 10 minutes and you will receive a response in 60 seconds after submitting your application. Citibank's secure online application form is very easy to complete and your information is kept confidential at all times.

You will need to be over 18 at the time of application and you'll need to have a good credit rating. You may also be asked to verify that you earn a taxable income of more than $30,000 per year and that you're a permanent Australian resident.

You'll also receive access to a complimentary business concierge to provide you with information and assistance from anywhere in the world, 24 hours a day, 7 days a week.

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6 Responses to Citibank ‘CitiBusiness’ Business Credit Card – Details & Application

  1. Default Gravatar
    | June 10, 2013

    Is this an American Express card or Visa? Is there a capping on points earned per month?

  2. Default Gravatar
    karen | September 18, 2011

    Does it cost extra to be linked to the rewards program so that we can get frequent flyer points (I am already a member) and also is the second business card free?

    • Staff
      Jacob | August 20, 2012

      Hi Karen. Citibank will allow you to add up to 99 additional cards to your Citibank CitiBusiness business credit card account. Give them to your employees for business expenses to help manage spending more easily. You can link this card to the Qanats Frequent Flyer program; however, there is a joining fee of approx. $80 payable when you joint the program. You can link this account to both the primary cards and supplementary cards. Thanks the question.

  3. Default Gravatar
    Cameron | July 17, 2011

    I have a visa card I am looking to cancel and take a citibank business card. If I transfer debt of $10,000 to the new card and then pay it off, can points be earned?

    • Staff
      Jeremy | July 18, 2011

      Hi Cameron

      Points are only earned on purchases made on the card. Balance transfers don’t qualify for earning rewards points



Credit Cards Comparison

Rates last updated December 3rd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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