Turn your purchases into free flights with a Citi frequent flyer credit card.
If you’re a big spender that is looking to get extra rewards from your credit card, a Citi frequent flyer credit card could help you reach your rewards goals as you make everyday purchases.
Citi offers two credit cards that offers benefits for different types of frequent flyers. If you’re a Qantas Frequent Flyer, you could take advantage of the Citi Qantas Signature credit card. Otherwise, Emirates Skywards members can enjoy the only credit card in Australia that debits points directly into your Skywards account.
Use this guide to compare Citi’s frequent flyer credit cards, discover how they work and decide whether one is right for you.
Citi Credit Card Offer
Earn Qantas Points with the Citi Qantas Signature Credit Card, a promotional balance transfer rate and a discounted annual fee for the first year. Apply before 30 September 2017 and spend $2,000 in the first three months to receive the 50,000 bonus points offer.
- $199 p.a. annual fee for the first year ($395 p.a. thereafter) annual fee
- 20.99% p.a. on purchases
- 0% p.a. for 6 months on balance transfers
- Cash Advance Rate of 21.74% p.a.
- Up to 55 days interest free
- Minimum Income Requirement of $75,000 p.a.
Compare Citi frequent flyer credit cards
What types of Citi frequent flyer credit cards are available?
Citi Qantas Signature credit card
Suited to Qantas Frequent Flyers, the Citi Qantas Signature credit card is a premium frequent flyer product. You’ll collect 50,000 Qantas Points when you spend $2,000 or more within the first 90 days of approval. You’ll also collect 0.5 Qantas Point per $1 spent on all other eligible purchases. The card comes with other travel-centric perks including complimentary international travel insurance, complimentary membership to Priority Pass and two airline lounge passes to use each year.
This card also offers 0% p.a. for 6 months on balance transfers, which will come in handy if you’re trying to clear your debt while keeping interest costs low. This card comes at the cost of a reduced annual fee of $199 for the first year and $395 p.a. thereafter. The card also has a purchase rate of 20.99% p.a., but you can take advantage of up to 55 interest-free days on purchases when you pay your balance in full.
Emirates Citi World Mastercard
The Emirates Citi World Mastercard is the only product in Australia that directly earns Emirates Skywards Miles when you make purchases. Cardholders can kickstart their reward points balance with 40,000 bonus Miles when they apply by 30 June 2017 and make a purchase within the first 90 days of approval. Plus, you can score an extra 10,000 bonus miles if you spend a minimum of $500 on emirates.com during that period.
This card also offers 1.5 Skywards Miles for every dollar spent on airline tickets booked through emirates.com, 1.25 Miles per $1 spent on eligible international transactions and 1 Mile on all other eligible domestic purchases up to 3,000 per statement period. After this, you’ll earn 0.5 Miles per $1 spent up to $10,000 per statement period.
The card also comes with complimentary international travel insurance, two complimentary lounge passes for Emirates Lounges in Australia and a complimentary chauffeur-driven service to the airport once a year when they fly with Emirates.
The card has a reduced annual fee of $149 for the first year and $299 p.a. thereafter. Purchases will also collect a purchase rate of 20.99% p.a. You can avoid this interest rate by paying your balance in full and taking advantage of up to 55 interest-free days.
Pros and cons of Citi frequent flyer credit cards
- Bonus points. Both of Citi’s frequent flyer credit cards offer competitive bonus points offers on top of the standard earn rate.
- Other travel perks. As well as bonus points and competitive earn rates, both of these cards offer other benefits to suit frequent flyers including complimentary insurance and airline lounge passes.
- Only Emirates card in Australia. Citi is the only bank that offers a card that earns Emirates Skywards Miles directly, which is a definite plus for Emirates Skywards frequent flyers.
- Limited options. Unfortunately, Citi only offers two frequent flyer credit cards to choose from. Many other issuers offer several frequent flyer credit cards with varying fees and features to suit different types of cardholders.
- Annual fees. While both of these cards boast reduced annual fees for the first year, both cards have relatively high standard annual fees. Make sure that the benefits of the card and frequent flyer programs outweigh the cost of the card to justify applying.
- High purchase rates. Frequent flyer credit cards typically come with purchase rates. For this reason, it’s wise to only apply for a frequent flyer credit card if you regularly repay your balance in full. Otherwise, your interest costs could offset the value of the rewards.
How to apply for a Citi frequent flyer credit card
If you’ve compared your options and decided to apply for one of Citi’s frequent flyer credit cards, you can click on the “APPLY NOW” button to be directed to a secure online application.
Before you apply though, make sure you’ve confirmed you meet the eligibility requirements and organised the required information and documents:
Eligibility requirements checklist
- Age. You must be at least 18 years old to apply.
- Credit rating. You’re required to have a good credit rating.
- Australian residency. You must be a permanent Australian resident or have had Australian residency in the last 12 months to apply.
Required information and documents
- Contact information. Your contact details including your contact number and email address.
Proof of identification. You’ll need to provide copies of your driver’s licence, proof of address (such as a utility bill), Australian passport or Medicare card to confirm residency.
- Employment information. You need to include information about your employment including your employment status, primary occupation and employer’s contact details. If you’re self-employed, you’ll need to provide your accountant’s name, the name of their firm and their relevant contact information.
- Income. Provide details about your gross income and monthly expenses.
If you’re a frequent flyer who wants to earn points on everyday purchases, a Citi frequent flyer credit card could be worth your comparison. However, as these aren’t the only frequent flyer credit cards on the market, it’s wise to compare your options before you apply. You can compare other Citi credit cards here.Back to top