In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own.

Citi Rewards Card – Flybuys Offer

  • Avatar
Citi Rewards Card - Flybuys Offer
Terms and conditions apply
Bonus points
Purchase rate for the first 6 months (reverts to 21.49%)
0% p.a.
Reward point per $ spent
Annual fee
$199 p.a.

Our verdict

Offers a massive 100,000 bonus Flybuys points and 0% interest on purchases for 6 months.

The Citi Rewards Credit Card offers a range of premium features, including rewards, complimentary extras and introductory offers for new customers. Apply for this card, get approved and spend $5,000 in the first 3 months to receive 100,000 bonus Flybuys points. That's enough for $500 off your shop at Coles and other partners if you redeem them for Flybuys dollars.


  • 100,000 bonus Flybuys points
  • 0% p.a. on purchases for the first 6 months
  • 1 Citi Rewards Point per $1 spent


  • Relatively high 21.49% purchase interest rate after the first year

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
This introductory offer on the Citi Rewards card gives you a way to get a massive 100,000 bonus Flybuys points. Your everyday spending on this Mastercard also earns you 1 Citi Rewards point per $1 spent (capped at $10,000 per statement period for Australian spending). You can redeem these points for merchandise and gift cards through the Citi Rewards program or transfer them to a partner loyalty program – including Flybuys, Emirates Skywards and Singapore Airlines KrisFlyer.


Product details

Product Name Citi Rewards Card - Flybuys Offer
Purchase rate p.a. 0% for 6 months, then 21.49%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 22.24%
Min credit limit $2,000
Max credit limit $100,000
Card type Mastercard


Available to temporary residents No
Minimum income $35,000
Joint application No


Rewards program Citi Rewards Program
Bonus points 100,000
Rewards points per $ spent 1
Rewards points cap Uncapped


Annual fee $199
Minimum monthly repayment 2% of the closing balance or $30, whichever is greater
Late payment fee $30
Foreign currency conversion fee 3.4%
Cash advance fee 3.5% or $3.50, whichever is greater
Overseas cash advance fee $5
Additional cardholder fee $90
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 this offer online in around 10 minutes and you should receive a response in 60 seconds. Before you start the application, make sure you meet the eligibility requirements and have the necessary information on hand.

Eligibility criteria

Card benefits

  • Bonus Flybuys points. Earn 100,000 bonus Flybuys points when you apply for this card, get approved and spend $5,000 on eligible purchases in the first 3 months from approval. Eligible purchases cover most everyday spending but exclude transactions including cash advances, balance transfers, and refunds. Citi will request your Flybuys membership number from you by email within 8 weeks of meeting the spend criteria.
  • 0% purchase rate offer. Apply, get approved and save on your shopping with a 0% purchase rate for the first 6 months you have this card. At the end of the introductory period, a standard purchase rate of 21.49% p.a. applies.

Rates & fees

  • Annual fee. This card charges a $199 annual fee.
  • Purchase interest. Outside of any promotions, your purchases will collect interest at the 21.49% p.a. interest rate. If you do pay your balance in full, you can take advantage of up to 55 interest-free days. Interest-free days don't apply if you're paying off a debt from a balance transfer.

Your reviews

No reviews yet. Write a review

Ask a question

Ask a question

Amy Finder


Hi there, looking for more information? Ask us a question.

Error label

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked
Accept and continue

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.

Go to site