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Purchase rate: 22.49% p.a.
Reward points per $ spent: 0.5
Annual fee: $749 p.a.
Interest-free on purchases: Up to 44 days

Our verdict

Offers luxury perks, including 15 complimentary airport lounge visits and exclusive hotel offers, with a $749 annual fee.

Citi is not currently accepting new applications for this credit card.

The Citi Prestige is a rewards card for frequent travellers and big spenders. Enjoy up to 15% off LUX Exclusive hotel offers (up to $500 per booking) and 10% off international tours (up to $250 per booking) booked by 1 March 2026. Plus, a credit for one night when you book four or more nights at select Luxury Escapes hotels.

This card charges a high annual fee and offers 15 complimentary visits to Priority Pass lounges, but it doesn’t offer any Qantas Club Lounge invitations, which could be a downside if you regularly travel with Qantas.

Pros

Up to 1.5 Qantas Points per $1 on eligible spending
Complimentary insurance on travel and mobile phones
Free airport lounge access and 4th night free hotel offers

Cons

High $749 annual fee
High 22.49% p.a. interest rate for purchases
High 3.4% foreign transaction fee

Details

Product details

Product Name	Citi Prestige Qantas Card
Purchase rate p.a.	Purchase rate p.a.22.49%
Interest-free days	Up to 44 days on purchases
Cash advance rate p.a.	22.99%
Min credit limit	$20,000
Max credit limit	$100,000
Card type	Mastercard

Eligibility

Available to temporary residents	No
Joint application	No

Rewards

Rewards program	Qantas Frequent Flyer
Bonus points	N/A
Rewards points per $ spent	0.5
Rewards points cap	Uncapped

Fees

Annual fee	$749
Minimum monthly repayment	2% of the closing balance or $25, whichever is greater
Late payment fee	$30
Foreign currency conversion fee	3.4%
Cash advance fee	3.5% of transaction value or $3.50, whichever is greater
Overseas cash advance fee	$5
Additional cardholder fee	$0
Number of additional cardholders	4

On 1 June 2022, Citi's consumer banking business was acquired by NAB. Citi credit cards are still available for application and will have the Citi brand. However, the contract for these cards is now with NAB.

How to apply

You can apply for the Citi Prestige Qantas Credit Card online in 10 minutes, but you'll need to make sure you meet the eligibility requirements and have the necessary documents before you get started.

Eligibility criteria

Residency. You must be an Australian permanent resident or citizen.
Credit history. This card is only available to applicants with a good credit score and no history of bankruptcy.

Age. You must be 18 years or older to apply.

Required documents

Personal information. You'll be asked to include personal details including your full name, contact details and date of birth.
Income and assets. Enter your employer's contact information, your pre-tax income and income from other assets. You're also required to provide your last two payslips or bank statements if you're employed part-time or full-time. If you're currently self-employed or a retiree, you'll need to enter your account's contact information. These documents can be faxed or emailed to Citi.
Expenses and liabilities. Provide details of your ongoing expenses and any liabilities, such as loan balances, mortgage payments, rent and everyday bills.
Identification. If you're a new customer, you can verify your identity by entering your driver's licence number or passport number. Foreign driver's licenses and passports are also accepted.

Card benefits

Uncapped Qantas Points. Get rewarded with 1.5 Qantas Points per $1 spent on eligible international spending and eligible domestic purchases made with major airlines, hotel chains and restaurants. You'll also earn 1 point per $1 on Australian spending at selected domestic purchases made at major petrol outlets, supermarkets and national retailers and 0.5 points per $1 spent everywhere else on domestic eligible transactions.
Complimentary Priority Pass membership. You can relax before your next flight with 15 complimentary visits for you and a guest over a 12-month period to any of the 1,700+ Priority Pass lounges in the world – even if you're flying in economy class. You can also bring one guest with you for free (and other guests for a fee, depending on the lounge). Just enrol at www.prioritypass.com/prestigeaumc and follow the prompts to get your digital membership.

4th night on Us. When you book a minimum of four consecutive nights at available hotels through Luxury Escapes, you can get a credit back for one night (up to $1,000 per credit per booking). To redeem this benefit, you must use the promo code "PRESTIGE4N" upon checkout.
Luxury Escapes discount. Until 1 March 2026, you can get up to 15% off on Limited Time LUX Exclusive hotel offers (up to $500 per booking) and 10% off on international tours (up to $250 per booking) when you pay with your Citi credit card through the Luxury Escapes website or app.
10% off selected hotels with Expedia or Wotif. You'll get a 10% discount on selected hotels booked through Expedia or Wotif when you pay with your Citi credit card before 31 January 2026 and stay before 30 June 2026.
Complimentary insurances. The Citi Prestige is packed with insurance covers, including: international travel insurance, domestic travel insurance, extended warranty insurance and purchase protection insurance.
Mobile wallets. You can link your Citi card with Samsung Pay, Google Pay or Apple Pay to use your eligible device to make contactless payments.
Complimentary mobile phone insurance. If you use your Citi Prestige card to pay for your phone on a contract, you can get cover for your eligible mobile phone or smartphone from accidental damage and theft for up to $1,000 per claim (up to $1,650 per year).

Rates & fees

Annual fee. The Citi Prestige Qantas Credit Card charges an annual fee of $749 (this includes the $49 Citi Qantas Rewards Program yearly fee).
Purchase rate. The purchase rate for this card is 22.49% p.a. (variable).

Cash advances. Cash advance transactions are charged at 22.99% p.a. (variable). You'll also be charged a fee of 3.5% of the transaction amount or $3.50 (whichever is greater), if you're in Australia and will be charged $5 if you're overseas.
Interest-free days. When you pay your balance in full by the due date, you can take advantage of up to 44 interest-free days on purchases. Please note that interest-free days do not apply while you are carrying a balance transfer debt.

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. Citi Prestige Qantas Card information PDF
2. Citi Prestige Qantas Card TMD

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Michelle

August 17, 2025

I have just been approved for the card and am hoping to pay for my upcoming strata bill. The bills payment options list DEFT and Bpay, and I’m wondering if this transaction is eligible to meet the minimum spend requirements for Qantas bonus points?

Richard Whitten Finder

August 18, 2025

Hi Michelle,

You can’t earn points on BPAY payments. DEFT should be OK, but keep in mind DEFT charges a card transaction fee. I avoid paying my strata with a credit card for this reason. I think the fee ends up being $9 for me, so the points aren’t really worth it.

Check the fee before you pay, if you are interested in earning points that way.

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Stephen

April 16, 2025

I have been approved for a Citibank prestige qantas card, and am in the process of buying a new car. Does this qualify as an eligible purchase and if so what would be the points per dollar?

Sarah Megginson Finder

April 16, 2025

Hi Stephen,

The earn rate is 0.5 points per $1 spent on “other eligible domestic spend”, which would include your car purchase. With this card, there is no points cap, unlike with some other cards, which means you have the potential to earn points on the entire purchase price. Keep in mind that you might get charged a credit card fee of up to 2%, which can add a big extra cost when buying something as substantial as a car.

Hope this helps!

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Kylie

April 12, 2025

I have just been approved for a Citibank card with bonus points. But I see that it’s a subsidiary of Nab, so if I have a Nab card, does that mean I’m not eligible for the Citibank bonus points?

Sarah Megginson Finder

April 14, 2025

Hi Kylie,

According to the terms and conditions, this offer is not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer. This means Citi offers bonus reward points to new Citi Rewards Credit Card holders, regardless of whether they are existing NAB customers or not (provided you meet all the eligibility terms and conditions). Hope this helps!

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Richard Whitten Finder

April 14, 2025

Hi Kylie,

You’d have to check with Citibank to be 100% sure. But looking at the fine print the bonus points offer doesn’t mention NAB and just says the offer is for “New Citi Prestige Qantas Credit Card customers only”.

I hope this helps.

Adaire

October 05, 2024

Hi there, when is the annual fee charged? Upon receiving the credit card or at 12 months of using it?

Richard Whitten Finder

October 07, 2024

Hi Adaire,

With most cards the annual fee is charged when you activate the card and then every 12 months after that. Citi should be able to give you more information about this.

December 14, 2023

Do you know what counts as eligible spend to get the bonus points?

Sarah Megginson Finder

January 05, 2024

Hi Scott, Eligible purchases refer to most everyday transactions like retail shopping, paying an invoice, bookings travel and shopping online.

Ineligible purchases for the purpose of meeting a spend requirement usually include things like: online gambling, interest, fees, cash advances, government payments (eg ATO), balance transfers and BPAY transactions.

Hope this helps!

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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile

Citi Prestige Qantas Card

Pros

Cons

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Sources

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