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Citi Frequent Flyer Credit Cards

Earn points for your everyday spending and get access to a range of premium perks with a Citi frequent flyer credit card.

Citi offers a range of Mastercard and Visa credit cards that allow you to earn frequent flyer points for your spending. This includes cards that earn Qantas Points or Emirates Skywards Miles, as well as Citi Rewards cards that let you transfer points to other frequent flyer programs, including Virgin Australia Velocity and Singapore Airlines KrisFlyer.

Depending on the card, you could also enjoy other travel perks such as airport lounge access, complimentary travel insurance and concierge services. You may also be able to get a linked Diners Club card to earn even more points as you spend. Here you can find out about the potential benefits and costs of Citi frequent flyer credit cards, compare your options and decide if one will work for you.

Citi Credit Card Offer

Citi Signature Qantas Credit Card

Receive 50,000 bonus Qantas Points on eligible spend

Offer ends 31 January 2019

Eligibility criteria, terms and conditions, fees and charges apply

Citi Credit Card Offer

Earn 50,000 bonus Qantas Points with the Citi Signature Qantas Credit Card, a promotional balance transfer rate and a discounted annual fee for the first year.

  • $248 p.a. annual fee for the first year ($444 p.a. thereafter).
  • 20.99% p.a. on purchases
  • Cash advance rate of 21.74% p.a.
  • Up to 55 days interest free
  • Minimum income requirement of $75,000 p.a.
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Compare Citi frequent flyer credit cards

Rates last updated December 14th, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
Citi Signature Qantas Credit Card
50,000 bonus points
Qantas Frequent Flyer
0.5
20.99% p.a.
$248 p.a. annual fee for the first year ($444 p.a. thereafter)
Receive 50,000 bonus Qantas Points, 2 yearly airport lounge visits and complimentary travel insurance. Plus, a discounted first year annual fee.
Emirates Citi World Mastercard
60,000 bonus points
Emirates Skyward Miles Program
1
20.99% p.a.
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Receive up to 60,000 bonus Skywards Miles, pay half the annual fee for the first year and indulge in curated local and global experiences.

Compare up to 4 providers

How to earn frequent flyer points with a Citi credit card

Citi credit cards give you a few different options for earning points through different frequent flyer programs, which you can compare below.

Qantas Points

The Citi Signature and Citi Prestige reward cards give you the option of enrolling to earn Qantas Points instead of Citi Rewards points. To do this, you need to select the Citi Qantas Rewards option and provide your frequent flyer membership details when you apply for one of these cards.

If you already have a Citi Signature or Prestige card that earns Citi Rewards, you can contact Citi on 13 24 84 and opt in to Citi Qantas Rewards instead. When you do this, any Citi Reward points you've earned are forfeited, so make sure you redeem them before you switch to earning Qantas Points.

Keep in mind that enrolling in Citi Qantas Rewards attracts a $49 annual fee, which is charged on top of your card's annual fee.

Compare other credit cards that earn Qantas Points

Emirates Skywards Miles

The Emirates Citi World Mastercard is the only credit card in Australia that's directly linked to the Skywards frequent flyer program. If you get this card, you'll earn 1 Mile per $1 spent on eligible purchases in Australia up to $3,000 per statement period and 0.5 Skywards Miles per $1 spent thereafter (up to $10,000 per statement period).

You can also earn 1.25 Miles per $1 spent on eligible international purchases (uncapped) and 1.5 Miles per $1 spent on airline tickets booked through emirates.com.

Full guide to Emirates Skywards credit card options

Transferring Citi Rewards points to frequent flyer programs

If you're a member of another frequent flyer program – or switch between a few loyalty schemes – you could get a Citi Rewards credit card that lets you transfer points to a range of different programs. This includes Emirates Skywards, Virgin Australia Velocity, Singapore Airlines KrisFlyer and flybuys.

If you have a Citi Prestige card enrolled in Citi Rewards, you may also be able to transfer your points to other reward programs, such as Asia Miles (Cathay Pacific) or Thai Airways Royal Orchid Plus. This means it's important to log in to your Citi Rewards account before you do a transfer so that you can see all your options and get up-to-date information on point transfer rates for your particular card.

How to compare Citi frequent flyer credit cards

Here are the key details to look at before you apply for a Citi frequent flyer credit card.

  • Bonus points. These types of cards often come with thousands of introductory bonus points that can add value to your card in the first year. You can compare these offers by looking at the number of points up for grabs and the spend requirement you need to meet to get them.
  • Earn rates. The number of points you earn per $1 spent varies a lot between these cards. A higher earn rate offers more potential value when you pay with the card, but still needs to be weighed up against the other features and costs.
  • Annual fee. Most frequent flyer credit cards have higher annual fees than more basic options. The points and other benefits available on Citi frequent flyer credit cards can help justify this cost, but only if you earn enough points and actually use the other perks available on the card.
  • Reward program fee. If you choose a Citi credit card that earns Qantas Points, you'll have the added cost of a $49 Citi Qantas Rewards fee each year that you're enrolled in the program. Make sure you factor this in when considering the ongoing costs for one of these cards.
  • Interest rate for purchases. Most reward and frequent flyer credit cards have purchase rates at the higher end of the scale. So unless you pay your account balance off by the due date on each statement, the interest charges could quickly outweigh any value you get from earning points.
  • Airport lounge access. The Citi Signature offers complimentary Priority Pass membership and two airport lounge visits per year, the Emirates Citi World Mastercard offers two complimentary invitations to the Emirates lounge when you're flying with Emirates and the Citi Prestige offers unlimited lounge access through Priority Pass. Depending on the card and the lounge, this could allow you to enjoy free Wi-Fi, food, drinks and shower facilities when you travel.
  • Other complimentary extras. The extras offered on Citi frequent flyer credit cards range from complimentary purchase insurance to travel insurance, concierge services, a complimentary night at a hotel (on the Citi Prestige) and a chauffeur-drive to and from the airport once a year (Emirates Citi World card). If you can use these perks, they will help justify the card's costs.
  • International transaction fee. As some of these cards – including the Citi Signature Qantas and Citi Prestige Qantas – offer higher earn rates for overseas transactions, it's important to note that Citi applies a foreign transaction fee of 3.4% for spending made overseas or online in a foreign currency.

Citi Diners Club linked cards

Citi Platinum, Signature and Prestige cards also give you the option of earning uncapped points with a linked Diners Club card. These cards offer competitive earn rates with no points cap, no international transaction fee and no additional annual fee.

However, Diners Club cards are not as widely accepted as Visa, Mastercard or Amex cards and typically attract higher surcharges. You can check out our analysis of the linked Diners Club card option to decide if this could work for you.

Citi frequent flyer credit cards offer competitive earn rates and other travel perks, particularly the more premium cards. If you're thinking about getting one of these cards to earn more points, make sure you check for introductory bonus point offers and consider how often you'll use the card to help decide if the benefits will make up for the costs.

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Amy Bradney-George

Amy is a senior writer at finder.com.au with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

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