Citi

Citi Credit Cards

Take your pick with rewards, 0% balance transfer offers, low-cost options and complimentary extras on Citi credit cards.

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Citi is a big, global bank that has been in Australia since the 1980s. Its credit cards compete with the big banks in Australia and include low or 0% interest rate offers, bonus points and $0 annual fees. It also has its own rewards program and premium perks – including a free bottle of wine when you pay with your card at Citibank Dining Program partners.

Citi Credit Card Offer

Citi Rewards Card - Velocity Points Offer

Earn up to 150,000 bonus Velocity Points
$99 first-year annual fee

Offer ends 31 January 2022

Eligibility criteria, terms and conditions, fees and charges apply

Citi Credit Card Offer

Get up to 150,000 bonus Velocity Points, a 0% balance transfer offer for 15 ​months and a discounted first-year annual fee.

  • Up to 150,000 bonus Velocity Points (80,000 when you spend $3,000 in the first 90 days & 70,000 after 12 months)
  • First-year annual fee of $99 ($199 p.a. thereafter)
  • Purchase interest rate of 21.49% p.a. | Cash advance rate of 22.24% p.a.
  • Earn 1 Citi reward Point per $1 spent on eligible domestic and international spend.
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Citi credit card comparison

$
% p.a.
Name Product Balance transfer rate Purchase rate Annual fee Amount saved
Citi Rewards Card - Velocity Points Offer
0% p.a. for 15 months
21.49% p.a.
$99 annual fee for the first year ($199 p.a. thereafter)
Enjoy up to 150,000 bonus Velocity Points (80,000 when you spend $3,000 in the first 90 days and 70k after 12 months).
Citi Clear Card - Balance Transfer Offer
0% p.a. for 28 months
14.99% p.a.
$49 annual fee for the first year ($99 p.a. thereafter)
Offers 0% p.a. on balance transfers for 28 months with no balance transfer fee and a discounted $49 first-year annual fee.
Citi Rewards Card - Balance Transfer Offer
0% p.a. for 30 months
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Save with a $49 first-year annual fee and 0% on balance transfers for 30 months with no balance transfer fee.
Citi Rewards Card - Points & Gift Card Offer
0% p.a. for 15 months
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Receive 90,000 bonus Citi reward Points (worth $400 in gift cards) and a $100 Coles eGift Card when you spend $3,000 in the first 90 days.
Citi Premier Card
0% p.a. for 6 months
21.49% p.a.
$150 annual fee for the first year ($300 p.a. thereafter)
Enjoy 130,000 bonus points (worth $450 in eGift cards) when you spend $4,000 within the first 90 days. Plus, a first-year annual fee discount.
Citi Premier Qantas Card
0% p.a. for 6 months
21.49% p.a.
$175 annual fee for the first year ($350 p.a. thereafter)
Get 75,000 bonus Qantas Points when you spend $4,000 in the first 90 days and a first-year annual fee discount.
Citi Clear Card - Cashback Offer
0% p.a. for 15 months
14.99% p.a.
$49 annual fee for the first year ($99 p.a. thereafter)
Get $250 cashback when you spend $3,000 in the first 90 days. Plus, free wine when you dine and purchase insurance cover.
Citi Rewards Card - Flybuys Offer
0% p.a. for 15 months with 1% balance transfer fee
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Get 100,000 bonus Flybuys points (worth $500 Flybuys dollars) when you spend $3,000 in the first 90 days. Plus, a $49 first-year annual fee.
Emirates Citi World Mastercard
0% p.a. for 9 months
21.49% p.a.
$149 annual fee for the first year ($299 p.a. thereafter)
Receive 60,000 bonus Skywards Miles, complimentary travel insurance, lounge passes and golf perks.
Citi Prestige Card
0% p.a. for 6 months
21.49% p.a.
$700
Enjoy 200,000 bonus reward Points, unlimited airport lounge access, hotel perks and more.
Citi Prestige Qantas Card
0% p.a. for 6 months
21.49% p.a.
$749
Receive 100,000 bonus Qantas Points. Plus, unlimited airport lounge access with Priority Pass and complimentary travel insurance.
Citi Rewards Card - Bonus Points Offer
0% p.a. for 15 months
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Get 100,000 bonus Citi reward Points (worth $460 in gift cards) when you spend $3,000 in the first 90 days.
Citi Simplicity Card
0% p.a. for 6 months
0% p.a. for 6 months, reverts to 21.49% p.a.
$0
Get 0% p.a. interest for up to 6 months on purchases and balance transfers. Plus, a $0 annual fee for life.
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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, Emirates Skywards 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.

Get more value: Along with points, Citi Rewards credit cards give you a mix of perks, ranging from complimentary travel and purchase insurance to airport lounge passes, a concierge service and even a free night for eligible hotel bookings if you get the high-end Citi Prestige.
  • Citi balance transfer cards

Citi balance transfer credit cards give you an introductory low or 0% interest rate when you move debt (or debts) from Australian cards, lines of credit or personal loans not issued by Citi.

This sets Citi apart from most other credit card issuers in Australia, which don't let you balance transfer personal loan debt.

But, once the balance transfer is done, you won't get interest-free days on purchases, so you'll get the most value from the balance transfer offer when you focus on paying it off first.

Brands you can't balance transfer from

Citigroup is one of the biggest credit card issuers in Australia and has 12.5% of the market share according to industry analysis from IBISWorld.

That means you can't get a balance transfer from one Citi card to another, or from any of these brands that have ties to Citigroup (the parent company):

  • Auswide Bank
  • Bank of Queensland
  • Coles
  • IMB Bank
  • Kogan
  • Qantas
  • RACQ Bank
  • Suncorp
  • Virgin Money

Who does this affect? It affects anyone looking to pay off a credit card from Citi or one of the brands above. If that's you, Finder's guide to transferring debt between providers has more details on balance transfer restrictions.

  • Citi frequent flyer cards

Citi has two Qantas Frequent Flyer credit card options and is the only bank in Australia that has a credit card linked to the Emirates Skywards frequent flyer program.

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 Citi 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.

  • 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 19.94% 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 this bank's $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, transit accident insurance and access to the Citibank Dining Program. 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. Below is a summary of which mobile payment platforms you can currently use with a Citi card.

Apple PayGoogle PaySamsung PayFitbit PayGarmin Pay
YesNoYesNoNo
  • Citibank Dining Program

The Citibank Dining Program gives you a way to enjoy a free bottle of wine when you're dining out at partnered cafes and restaurants. All you need to do is let the staff know you'll be paying with a Citi card before you order. They'll let you know about any minimum order details (usually around $50), then offer you a choice of wines. And you can use any Citi card to enjoy this complimentary perk.

  • 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 both Citi World Privileges and Mastercard Priceless.

You can see the latest offers on the Citi World Privileges and 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.

What's the cost? A fee worth 2% of each Citi PayAll transaction usually applies. But Citi has reduced this fee to 0% for PayAll payments set up between 1 April 2021 and 31 October 2021.
  • 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.

PlanDescription
Citi FlexiBillConvert retail purchases from your closing balance into a structured payment plan, with a minimum of $500 and monthly instalment repayments.
Citi PayLiteConvert new shopping to a payment plan before it shows up on your statement. You can do this with any eligible purchase over $50.
Citi Quick CashConvert a minimum of $500 and up to 90% of your available credit limit into cash for bills, study or anything else you need and pay it off in instalments. This option is similar to a mini personal loan, but make sure you check the rates and fees so you know how much it will cost before you get it.

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 in to Citi online banking 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 April 2021, it was in the top 100 personal finance apps on Apple's Australian App Store and had a rating of 4.6 and over 3,000 reviews. But on Google Play, its rating was 2.6 from over 4,000 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

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

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Read more on this topic

  • Citi Clear Credit Card – Balance Transfer Offer

    This Citi Clear Credit Card offer includes 0% on balance transfers for 28 months and a reduced first-year annual fee. Compare and apply here.

  • Citi Rewards Card – Bonus Points Offer

    Earn flexible rewards points as you spend and enjoy a big 100,000 bonus points offer with the Citi Rewards Credit Card.

  • Citi Rewards Card – Velocity Points Offer

    Get up to 150,000 bonus Velocity Points when you meet the spend requirement, a reduced first-year annual fee and Citi Rewards points per $1 spent with the Citi Rewards Card.

  • Citi Rewards Card – Points & Gift Card Offer

    Get an introductory 90,000 bonus Citi Rewards points, a $100 Coles eGift card plus a reduced first-year annual fee with this Citi Rewards card offer.

  • Citi Rewards Card – Balance Transfer Offer

    Get a long 30-month break from interest with this 0% balance transfer offer. Plus, a discounted annual fee for the first year and rewards perks with this Citi Rewards Credit Card offer.

  • Citi Rewards Card – Flybuys Offer

    Receive 100,000 bonus Flybuys points, a reduced first year annual fee and platinum-tier perks with this Citi Rewards Card offer.

  • Citi Rewards

    From frequent flyer points and flights to travel bookings, shopping and gift cards, here’s how far Citi Rewards points could take you.

  • What premium perks can you get with the Citi Prestige?

    How do the premium features and costs of the Citi Prestige compare to other credit cards?

  • Citi Prestige Qantas Card

    This premium card offers 100,000 bonus Qantas Points, uncapped earn rates and unlimited complimentary airport lounge access through Priority Pass, with a $749 annual fee.

  • Citi Prestige Card

    Bonus points, a balance transfer offer, 4th night free at select hotels, airport lounge access and travel insurance are just some of the premium benefits you can enjoy with the Citi Prestige card.

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