Citi Rewards Card – Purchase and Balance Transfer Offer

• Balance transfer debt. Balances can be transferred up to 80% of your credit limit from Australian store cards, personal loans and credit cards not issued under the Citi brand.
• 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.
• Balance transfer information. If you want to take advantage of the balance transfer offer, you'll need to provide the details of those accounts.

• Citi Rewards. This card earns 1 Citi Rewards point per $1 on eligible spending in Australia and internationally. There is a spend cap of $10,000 per statement period for Australian spending, but no cap for eligible international spend. The Citi Rewards Program offers a wide range of ways to use your points, including transfers to three frequent flyer programs (Velocity Frequent Flyer, Singapore Airlines KrisFlyer and flybuys), as well as travel, gift cards and cashback available through the Citi Rewards store.
• Transfer personal loan debt. Citi is one of the few providers that allow you to transfer the balance of a personal loan to a credit card. Line of credit accounts can also be included in a balance transfer to the Citi Rewards card.
• Complimentary travel insurance. Purchase your overseas travel tickets with this card and you and your family can be covered for medical expenses, trip cancellation due to unexpected circumstances, loss or theft of personal items and more.
• Other complimentary insurances. This card also gives you access to extended warranty cover for eligible items and purchase protection insurance that protects you against loss, theft or damage to a covered item purchased with the card.
• Luxury Escapes discount. Until 1 March 2026, you can get up to 15% off (up to $250) on Limited Time LUX Exclusive hotel offers and 10% off on international tours 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 and Wotif when you pay with your Citi credit card before 31 January 2026 and stay before 30 June 2026.
• Mobile payment compatibility. Make payments by tapping your eligible smart device at a contactless terminal when you add this card to the Apple Pay, Google Pay or Samsung Pay wallets.
• Complimentary mobile phone insurance. If you use your Citi Rewards 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).

• Interest-free days. If you pay your balance in full by the due date on each statement, you can get up to 44 days interest-free on purchases. You will not be eligible for interest-free days while you carry debt from a balance transfer.
• Cash advances. This card charges a variable cash advance rate of 22.99% p.a. You will also be charged 3.5% of the transaction amount or $3.50 (whichever is higher) on domestic transactions, and $5 on overseas cash advances.
• Foreign transaction fees. If you use your Citi Rewards Card for transactions in a foreign currency, the standard 3.4% fee will apply.
• Additional cardholders. You can add up to 4 additional cardholders to the account for a $90 annual fee per additional card.
• Credit limits. You can request a credit limit from $2,000 up to $100,000. The credit limit you're approved for will depend on the lending criteria and your financial history.