The Citi Rewards program offers you extra value when you pay with plastic, by earning you points per $1 on most of your everyday spending. You can earn up to 3 points per $1 spent with some cards and redeem rewards including travel, frequent flyer points, gift cards and more. Use this guide to compare Citi Rewards credit cards, learn more about the program and weigh up the pros and cons to decide if it's the most rewarding choice for you.
With a Citi Rewards credit card, you’ll earn points for every $1 spent on eligible purchases made in Australia and overseas (including online). This covers most everyday spending, such as supermarket and retail shopping, petrol, dining and travel bookings.
Introductory bonus point offers
Citi Rewards credit cards sometimes offer introductory bonus points when you sign up for a new card and meet the spending requirements. Usually, you’ll need to be a new customer and spend a set amount of money in the first few months you have the card.
Depending on the offer, you could get thousands of bonus Citi Rewards points when you start using your card. Just remember to check the offer requirements so you know exactly what you need to do to collect your bonus points.
Transactions that don't earn points
The following transactions are not eligible to earn points on a Citi Rewards credit card:
Purchases of foreign currency
Transactions made in operating a business
Payments to other Citi accounts
Fees and charges
Transactions made using points
Government-related transactions (including ATO payments)
If you have a specific question about whether or not a transaction will earn points, you can call Citi on 13 24 84 or check the Citi Rewards terms and conditions (available on the Citi website) for further details.
What can I get with my Citi Rewards points?
The Citi Rewards program offers you a range of different ways to use points, including:
Frequent flyer point transfers. You can transfer your Citi Rewards points to frequent flyer points with Emirates Skywards, Singapore Airlines KrisFlyer or Velocity Frequent Flyer. The amount of Citi Rewards points you’ll need per frequent flyer point and the minimum transfer requirements can vary from card to card, so you’ll need to log in to your account and go to citirewards.com to get the most accurate details.
Flybuys points. You can exchange your Citi Rewards points for flybuys points. If you have a Platinum card, you can transfer your Citi reward Points at a rate of 1.33 for 1 flybuys point. Gold and Classic cards offer a 2 Citi reward Points for 1 flybuys point exchange rate.
Travel. You can use your points to pay for flights, hotel bookings, car hire or activities such as tours and theme park tickets. From time to time, Citi may also offer you exclusive deals or travel packages that you can redeem with points.
Merchandise. The Citi Rewards website offers merchandise in a range of categories, including clothing, baby toys and items, luggage, beauty items, electronics, jewellery and homewares.
Gift cards and cash. You can redeem Citi Rewards points for gift cards from a range of popular brands including Bunnings, Coles, David Jones, iTunes and Woolworths. You can also use Citi Rewards points for cashback on your account or to pay for your annual fee.
Charity donations. Citi Rewards gives you the option of supporting the Australian Red Cross, Fred Hollows Foundation or Starlight Children Foundation by using points for a donation.
Personalised rewards for premium Citi Rewards credit cards
If you have a Citi Rewards Platinum, Signature or Prestige credit card, you can also use your points for something not listed in the rewards catalogue through Citi’s Personalised Rewards service. To do this, you’ll need to contact Citi directly and provide full details of what you’d like to redeem, including:
The Australian dollar price
The name of the supplier or vendor
The contact details for the supplier or vendor
Citi will then review your request, source the item or service and provide you with details of how many points are required for the personalised reward.
How to redeem Citi Rewards Points
You can use your Citi Rewards points at any time by logging in to your Citibank Online account and clicking the “Rewards” button at the top of the page. From there, you’ll be able to see your point balance, browse rewards and follow the prompts to make a redemption.
Alternatively, you can redeem points over the phone by calling Citi on 13 24 84. But keep in mind that phone redemptions require more points than online redemptions (except in the case of Personalised Rewards). The total points required for phone redemptions will be outlined at the time of your request.
Pros and cons of the Citi Rewards program
Weigh up these advantages and disadvantages to help you decide if a Citi Rewards credit card will work for you.
Earn points for your spending. You’ll earn points for every $1 spent on eligible purchases with a Citi Rewards credit card.
Bonus points. Citi Rewards cards may offer you thousands of introductory bonus points when you meet the spending requirements.
Frequent flyer partners. You can transfer Citi Rewards points to your Velocity, Emirates Skywards or Singapore Airlines KrisFlyer accounts.
Variety of rewards. Citi Rewards points can be redeemed for travel, frequent flyer rewards, merchandise, gift cards or even personalised rewards if you have an eligible premium card.
No point expiry. Citi Rewards points won’t expire as long as your account is active and in good standing.
Point caps. Some Citi Rewards credit cards limit or cap the number of points you can earn per statement or per year. Depending on how much you spend, this could affect the value of the card.
Annual fees. Standard Citi Rewards credit cards have annual fees that range from $99 p.a. for the Citi Rewards Classic card up to $700 for the Citi Prestige.
Interest rates. Citi Rewards credit cards have higher standard variable purchase rates than some other cards. So if you carry a balance, you may want to consider a low rate card instead.
Reward values. Different rewards have different values. In some cases, that could mean the value of your points is worth much less than the amount of money you spent earning them.
What else should I consider when comparing Citi Rewards cards?
Here are some other key details to think about when you’re comparing credit cards and reward programs.
Additional cardholders. If you want to share your Citi Rewards credit card account with someone, you can request an additional cardholder. With two people spending on the same account, you could earn even more points.
Complimentary insurance. The Citi Platinum, Signature and Prestige credit cards all offer a range of complimentary insurance covers, including travel insurance and purchase insurance. If you use these extras, they could help balance out the card’s annual fee and any other costs (such as interest charges).
Other extras. Depending on the Citi Rewards card you choose, you could enjoy complimentary airport lounge access, complimentary flights and free hotel stays. Just remember to check the terms and conditions for individual benefits so that you know what you need to do to enjoy them.
Citi Qantas Rewards. If you're a Qantas Frequent Flyer member, you have the option of earning Qantas Points on a Citi Signature or Prestige credit card by opting in to Citi Qantas Rewards. Note that the earn rates are different when you’ve opted in to Citi Qantas Rewards compared to those of Citi Rewards credit cards.
The Citi Rewards program gives you a way to earn points for your spending with an eligible Citi credit card and offers a wide range of ways to use them. You can compare Citi Rewards credit cards with a range of other options to help you find the right card for you.
Frequently asked questions about Citi Rewards
If you’re interested in other details of the Citi Rewards program, here you’ll find answers to some of the most common questions about it. You can also get in touch with us using the comment box below if you have any specific questions you want to ask.
There are no additional fees for joining Citi Rewards. When you choose an eligible credit card, you’ll automatically be enrolled as soon as you activate your credit card.
But keep in mind that Citi Rewards credit cards do have annual account fees, which may be higher than some cards that don’t offer rewards.
Depending on the reward, you may be able to use a combination of points and cash to redeem your reward. When this option is available, it will be listed next to specific rewards on the Citi Rewards catalogue.
If you have a Citi Signature or Prestige credit card, you can opt in to the Citi Qantas Rewards program. This allows you to earn Qantas Points per $1 spent on eligible purchases, with the points automatically credited to your Qantas Frequent Flyer account at the end of each statement period.
You can also opt in to Citi Qantas Rewards when you apply for an eligible Citi Rewards credit card. Just select this option and include details of your Qantas Frequent Flyer membership. Alternatively, you can switch from Citi Rewards to Citi Qantas Rewards by calling one of the following priority phone numbers:
Signature Priority Service Centre: 1800 818 008
Prestige Priority Service Centre: 1800 782 948
Note that any points you’ve collected will be lost if you switch between Citi Rewards and Citi Qantas Rewards.
Log in to Citibank Online and click on the “Rewards” button to see your balance and other reward options.
If you’ve successfully applied for a Citi Rewards credit card that offers bonus points, you’ll need to meet the offer’s spending requirements to be eligible for these points. Once you’ve done that, it could take up to two billing cycles for the points to be added to your account.
If you have a specific question about bonus points, you could also call Citi on 13 24 84 to check the eligibility and offer details.
Amy is an editor and 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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