Purchase rate
for the first 6 months (reverts to 21.49%)
0% p.a.
Reward point
per $ spent
1
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.
Pros
100,000 bonus Flybuys points
0% p.a. on purchases for the first 6 months
1 Citi Rewards Point per $1 spent
Cons
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.
As well as bonus points, you will also save with a 0% purchase offer for the first 6 months when you apply and get approved for this card.
Details
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
Eligibility
Available to temporary residents
No
Joint application
No
Rewards
Rewards program
Citi Rewards Program
Bonus points
100,000
Rewards points per $ spent
1
Rewards points cap
Uncapped
Fees
Annual fee
$199
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% 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
Residency. You must be an Australian citizen or permanent resident.
Minimum age. You must be at least 18 years of age to apply for a credit card in Australia.
Required documents
Personal information. Personal details such as your full name and contact details including your email address, home address and phone number.
Employment. Information about your job including your role and employer's contact details. You may also need to submit a letter from your employer declaring your income.
Financial details. You'll be asked to provide information about your income, liabilities and expenses.
Flybuys membership number. Within 8 weeks of meeting the spend requirement, Citi will email you asking for your Flybuys number. Points will be credited to that account within 6 weeks.
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.
Earn Citi reward Points. Outside of the bonus points promotion, you'll earn 1 Citi reward Point per $1 spent both in Australia and overseas. Points are capped at $10,000 spend per statement period on domestic transactions, but are uncapped on international spend. You can exchange 1.33 Citi reward Points for 1 Flybuys point.
Luxury Escapes discount. Until 1 March 2025, you can get 10% off (up to $250) on Limited Time LUX Exclusive hotel offers when you pay with your Citi card through the Luxury Escapes website or app and use the promo code CITI10.
Complimentary mobile phone insurance. If you use your Citi Rewards Credit 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).
24/7 personal concierge service. Whether you need help booking your family holiday, making a last minute restaurant reservation or organising a gift for a loved one, you can contact your personal concierge service for assistance 24/7 and from anywhere around the world.
Complimentary international travel insurance. You can travel with peace of mind and save on necessary costs with complimentary international travel insurance. If you use your card to purchase your overseas travel ticket, you'll be covered for up to 6 months for medical, unexpected expenses, trip cancellation, and personal loss/liability. This insurance also covers your spouse or any dependent children travelling with you. See the terms and conditions for more details regarding the eligibility requirements, exclusions and claims process.
Mobile payment compatibility. Link your Citi account with Samsung Pay, Google Pay and Apple Pay to tap and pay with your eligible smart device at contactless terminals.
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.
Foreign transaction fee. When you make a purchase overseas or online with an international retailer, you will be charged a fee of 3.4% of the transaction amount.
Cash advance interest rate. If you use your card to make a cash advance (such as an ATM withdrawal), you'll immediately attract the 22.24% p.a. interest rate.
Cash advance fee. As well as the interest rate, you'll be charged 3.5% of transaction amount or $3.50 (whichever is higher) when you get a cash advance in Australia. A $5 fee applies to overseas cash advances.
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 Terms Of Service and Finder Group Privacy & Cookies Policy.
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.
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