Citi Credit Cards

Citi is a big, global brand that has been in Australia since the 1980s. On 1 June 2022, NAB acquired Citi's consumer banking business. This means all credit cards are now provided by NAB, and any contract you may have with Citi is now with NAB. You can find all the details on Citi's website.

Citi credit card comparison

Name	Purchase rate p.a.	Annual fee	Balance transfer rate p.a.	Amount Saved
Citi Clear Card - Balance Transfer Offer	Purchase rate p.a. 14.99%	Annual fee $99	Balance transfer rate p.a. 0% for 28 months with 2% balance transfer fee, then 22.24%	Amount Saved $1,648.59 over 28 months	More Info Compare	Offers 0% p.a. on balance transfers for 28 months with a one-time 2% balance transfer fee. Plus, complimentary insurance covers.
Citi Rewards Card - Purchase and Balance Transfer Offer Citi Rewards Program	Purchase rate p.a. 0% for 12 months, then 21.49%	Annual fee $199	Balance transfer rate p.a. 0% for 12 months, then 22.24%	Amount Saved $728.32 over 12 months	More Info Compare	Save with 0% p.a. on purchases and balance transfers for 12 months with no balance transfer fee.
Citi Premier Qantas Card Qantas Frequent Flyer	Purchase rate p.a. 21.49%	Annual fee $350	Balance transfer rate p.a. 22.24%		More Info Compare	Get up to 70,000 bonus Qantas Points when you meet the spend requirement. Plus, complimentary lounge passes and international travel insurance.
Citi Rewards Card - Velocity Points Offer Velocity / Citi	Purchase rate p.a. 21.49%	Annual fee $149	Balance transfer rate p.a. 0% for 6 months, then 22.24%	Amount Saved $334.02 over 6 months	More Info Compare	Earn 80,000 bonus Velocity Points when you spend $5,000 in the first 90 days. Plus, complimentary insurance covers.
Citi Premier Card - Cashback Offer Citi Rewards Program	Purchase rate p.a. 21.49%	Annual fee $300	Balance transfer rate p.a. 0% for 6 months, then 22.24%	Amount Saved $183.02 over 6 months	More Info Compare	Receive $600 cashback when you spend $2,000 through Apple Pay, Google Pay or Samsung Pay in the first 90 days.
Citi Premier Card Citi Rewards Program	Purchase rate p.a. 21.49%	Annual fee $150 first year ($300 after)	Balance transfer rate p.a. 0% for 6 months, then 22.24%	Amount Saved $333.02 over 6 months	More Info Compare	Up to 200,000 bonus points (150k when you spend $7,000 in the first 90 days and 50k in year 2).
Citi Prestige Card Citi Rewards Program	Purchase rate p.a. 21.49%	Annual fee $700	Balance transfer rate p.a. 0% for 6 months, then 22.24%	Amount Saved No savings	More Info Compare	Get 275,000 bonus Citi Rewards Points, unlimited airport lounge access, hotel perks and complimentary travel insurance.
Citi Rewards Card - Flybuys Offer Citi Rewards Program	Purchase rate p.a. 0% for 6 months, then 21.49%	Annual fee $199	Balance transfer rate p.a.		More Info Compare	Get 100,000 bonus Flybuys points (worth $500 Flybuys dollars) when you spend $5,000 in the first 90 days. Plus, 0% p.a. interest rate on purchases for 6 months.
Citi Prestige Qantas Card Qantas Frequent Flyer	Purchase rate p.a. 21.49%	Annual fee $749	Balance transfer rate p.a. 0% for 6 months, then 22.24%	Amount Saved No savings	More Info Compare	Offers 100,000 bonus Qantas Points, unlimited airport lounge access with Priority Pass and complimentary travel insurance.
Citi Rewards Card - Bonus Points Offer Citi Rewards Program	Purchase rate p.a. 21.49%	Annual fee $99 first year ($199 after)	Balance transfer rate p.a. 22.24%		More Info Compare	Get up to 100,000 bonus Citi reward Points when you spend $5,000 in the first 90 days. Plus, a $99 first-year annual fee.
Citi Simplicity Card	Purchase rate p.a. 0% for 6 months, then 21.49%	Annual fee $0	Balance transfer rate p.a. 0% for 6 months, then 22.24%	Amount Saved $483.02 over 6 months	More Info Compare	Get 0% p.a. interest on purchases and balance transfers for 6 months and an ongoing $0 annual fee.

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Types of credit cards from Citi

• Citi Rewards credit cards

Citi Rewards credit cards earn points that you can redeem for cashback and gift cards, shopping at Kogan.com and travel.

You can also transfer your points to partner programs, including Velocity Frequent Flyer, Flybuys and Singapore Airlines KrisFlyer. Finder's guide to Citi Rewards gives you all the details.

Citi is also one of the only credit card issuers in Australia that gives you a way to earn points on bills that normally wouldn't count as eligible transactions. You just need to pay through the Citi PayAll platform.

• Citi balance transfer cards

Citi balance transfer credit cards give you an introductory low or 0% interest rate when you move debt from Australian cards, lines of credit or personal loans not issued by Citi. This sets Citi apart from other credit card brands in Australia that don't let you balance transfer personal loan debt.

But you won't get interest-free days on purchases when you're paying off a balance transfer on a Citi card. So you'll get the most value from the balance transfer offer when you focus on paying it off first.

• Citi frequent flyer cards

Citi has two Qantas Frequent Flyer credit cards. It is the only credit card brand in Australia with a credit card linked to the Emirates Skywards frequent flyer program. But the Emirates Citi World Mastercard is not currently taking new applications.

If you're after Qantas Points, you'll earn up to 1.5 per $1 spent with the Citi Prestige credit card when you enrol in Citibank Qantas Rewards. To enrol, activate your card, call 1800 782 948 and say that you want to earn Qantas Points on your card – otherwise you'll earn Citi Rewards points instead.

If you're an Emirates Skywards frequent flyer, the Emirates Citi World Mastercard offers up to 1 Skywards Mile per $1 spent, Emirates Lounge passes and a complimentary chauffeur service. But this card is not currently taking new applications.

• Citi low rate cards

Citi offers one low rate credit card: the Citi Clear. It has a 14.99% p.a. interest rate for purchases, which is much lower than the average rate of 19.82% p.a. But this is still at the higher end of the scale for low rate cards in Australia, with some offering rates below 10% p.a.

• Citi no annual fee cards

The Citi Simplicity is a $0 annual fee credit card and – as you might guess from its name – it has simple features. As well as no annual fee for life, it offers complimentary insurance options for your shopping. It also has a high interest rate of 21.49% p.a. for purchases, so it's most suited to people who can pay off the card each month to take advantage of interest-free days.

Benefits of getting a credit card with Citi

Each Citi credit card comes with different features, but these are the benefits you'll get with any of them:

• Mobile payments

If you want to make payments from your phone or another mobile device, you can add your Citi card to an eligible app and tap to pay.

• Shopping offers

Having a Citi credit card gives you access to deals and special offers at restaurants, shops, hotels, travel booking services and more through Mastercard Priceless.

You can see the latest offers on the Mastercard Priceless websites. Citi may also email you with personalised offers, although it will depend on your account settings.

• Citi PayAll

Citi PayAll gives you a way to use your credit card to pay your rent, student fees, childcare costs, property fees or other bills. It's similar to a bank transfer, so you'll need the Australian bank account details for anyone you want to pay.

Plus, you'll earn 1 point per $1 spent with a Citi Rewards credit card, or 0.5 points per $1 spent through Citibank Qantas Rewards or the Emirates Skywards program.

You can set up Citi PayAll payments through the mobile app, or learn more about it on the Citi website.

• Citi credit card instalment plans

If you want to pay off part of your balance over time, an instalment plan with fixed monthly repayments helps make it easier to budget. Citi offers three types of instalment plans depending on the type of spending or balance.

These plans are subject to eligibility. You can see what's on offer for your account at any time by going to the "My Offers" section when you're logged into your Citi account online or the Citi Mobile App.

Learn more about using instalment plans on a credit card to see if they'll work for you.

• Citi Mobile App

Citi's app gives you quick ways to check your balance, use Citi PayAll to pay for bills, add your card directly to Apple Pay or convert purchases or your credit limit into one of the instalment plans on offer.

In October 2023, it was in the top 100 finance apps in the App Store (Australia), with a 4.7 rating from over 17,000 reviews. On Google Play, its rating was 3.5 from over 10,000 reviews.

Eligibility criteria

Before you can apply for a Citi credit card (or any other credit card) there are a few eligibility boxes you need to tick.

Each card has slightly different details for who can apply, but all Citi cards include the following:

• Australian residency. You must be an Australian citizen or a permanent resident.
• Employment. You should have permanent full-time or part-time employment, or be self-employed.
• Credit history. You should have a good credit history and credit score. If you're not sure what's on your credit file, it only takes a few minutes to get a free copy of your report and score.
• Age. You must be over 18 years of age.

How long does it take to apply?

It takes less than 10 minutes to apply through Citi's secure website when you have all the details you need to fill in the application form. Once you complete and submit the form, you'll get a response within 60 seconds with details of the next steps for your application.

Information and documents you need to apply

Citi credit card applications are made up of a mix of details everyone needs to fill in, and information that's specific to your Australian residency and how you earn income. This includes:

• Personal details. Your full name, date of birth, contact details, your family situation and whether you rent or own a home. Plus documents that show proof of address and residency, e.g. your driver's licence, a recent utility bill, your Australian passport, Medicare card or a copy of your visa.
• Financial details. Your income and assets, including savings or investment returns. Plus regular expenses such as your mortgage payments, rent, utility bills and supermarket shopping.
• Details if you're employed full-time or part-time. Your main occupation, type of employment and your employer's contact details. Plus supporting documentation, such as your two most recent payslips, bank statements showing your income or your most recent Tax Assessment Notice.
• If you're employed casually or on a contract. Details about your main occupation and employer's contact details, plus supporting documentation such as your two most recent payslips and Tax Assessment Notices.
• If you're self-employed. Your accountant's name, the accountancy firm and their contact number. You also need to include your two most recent Tax Assessment Notices, Income Tax Returns or profit and loss statements as supporting documentation.
• If you're retired or on a pension. Details about your finances and supporting documentation such as your most recent pension statement, an annual superannuation statement with an indexed pension amount or three months of personal bank statements showing regular credits or cash deposits.

Get income from a mix of sources? Include as much supporting documentation as possible for your application. Or, call Citi on 13 24 84 to talk about your situation.

Credit card details

During the application, you'll be asked about details of your new credit card. The two key details to look at are:

• Credit limit. If you have a credit limit in mind, you can include that as part of the application. Just be aware that Citi will offer you a credit limit based on its assessment of your application, which could be lower than the one you've requested.
• Balance transfers. If you're moving a debt to a new Citi card with a 0% balance transfer rate, you need to include the account details and the amount of debt you want to transfer. Just keep in mind that the balance transfer is approved separately and the amount that's transferred depends on the credit limit you get for your new Citi card.

What happens after you apply?

Citi will send you an email with a summary and application reference number. You'll also get details about providing more supporting documentation (if that's needed).

Frequently asked questions

• Is Citi the same as Citibank?

  In Australia, Citi used to be known as Citibank. After National Australia Bank (NAB) acquired Citigroup's Australian consumer business, it is exclusively referred to as "Citi".

  But with a rewards credit card, you'll see the names Citibank Rewards Program and Citibank Qantas Rewards Program on the terms and conditions.

• How can I pay my Citi credit card?

  Citi offers the following repayment options:

  • BPAY. Citi's Biller Code is 49502 and your Customer Reference Number is your 16-digit credit card number (the one printed on your card).
  • Australia Post. Pay with cash or EFTPOS at any Bank@Post location.
  • Transfer from a Citi account. You can transfer money directly from a Citi transaction account or by calling Citi on 13 24 84.
  • Automatic payments. You can set up regular repayments from an Australian bank account by filling in Citi's credit card Easi-Pay application form. This lets you choose to have the minimum amount, a higher dollar amount or the full amount owed automatically taken from your bank account each month.
  • Cheque. If you want to pay by cheque, fill in the Remittance Advice section on your credit card statement and mail the cheque to Citi, GPO Box 5427, Sydney NSW 2001.

  If you can, always make your repayment a few days before the due date on your statement. This gives it time to be processed and reduces the risk of any issues with late payments.

  Always check: Your monthly credit card statement has details about all the ways you can repay what you owe. It also shows how much you owe, the minimum amount you need to pay and the due date for a repayment.

• How can I check my credit limit or change it?

  You can check your credit limit through Citi Online, the Citi app or by calling Citi on 13 24 84. If you want to decrease your credit limit, you can do this online or over the phone.

  If you want to increase your credit limit, you need to submit a credit limit increase request. You can do this by calling 1800 801 732 and selecting Option 2. Note that you can only request a credit limit increase if you've had your account more than 9 months. Credit limit increases are also subject to criteria and a credit check, which could impact your credit report.

• What happens if my credit card is lost, stolen or used for fraud?

  If you can't find your card or think it's been used by fraudsters, call Citi on 13 24 84 from Australia or +61 2 8225 0615 from overseas.

  If Citi detects suspicious activity on your account or needs to check on a transaction, you will get a text, email or phone call. You may also be asked to reply to Citi by calling 1300 550 216 or +612 8225 0035.

• How do repayments work when I set up a Citi credit card instalment plan?

  When you convert part of your Citi credit card balance to an instalment plan, your first monthly instalment will be billed on the second statement after the plan has been set up. Your monthly repayment amount will then be included on your statement as part of the Minimum Payment Amount.

  As with any credit card debt, you'll need to pay this minimum amount by the due date on your statement to keep your account in good standing.

  If you want to pay off more than the minimum on your statement when you have a Fixed Payment Option, the additional money will automatically be applied to your regular account balance first. If your regular account balance is paid in full, any additional money you pay will go towards your instalment plan balance.

• What is the Citi Dining Program?

  The Citi Dining Program has focused on offering access to exclusive food and wine offers. For example, you could enjoy complimentary tickets to food and wine shows, or VIP access at dining events. The free wine when you dine perk was discontinued as of 1 June 2022.

  You can get the full details of the program by visiting citibankdinig.com.au.

• What is a cheque to self? Can I get one with a balance transfer?

  A cheque-to-self is a way to move funds between accounts held in your name. Before 1 October 2019, Citi was the only issuer in Australia that offered a cheque-to-self option on its balance transfer credit cards. With this option, instead of transferring a balance from one account to another, you would request a cheque that you could use to pay off anything.

  But since 1 October 2019, there has been no way to get a cheque-to-self balance transfer in Australia.

Important links and details

• Citi customer service number: 13 24 84
• Citi personal loans
• Citi transaction and savings accounts
• A first-hand experience dealing with fraud on a Citi credit card