Citi has a variety of cards to suit different needs, including balance transfer credit cards, rewards and frequent flyer cards, platinum options and no annual fee and low purchase rate cards. Depending on the Citi card you choose, you can also enjoy extras such as complimentary travel insurance, purchase cover, a concierge service, exclusive offers through Visa Premium and airport lounge access. You can even get a complimentary bottle of wine when you dine and pay with your Citi credit card thanks to the Citibank Dining Program.
Use this guide to compare Citi credit cards and offers, as well as other banking features, so that you can decide if a Citi credit card is right for your needs.
Exclusive to finder.com.au - Citi Credit Card Offer
Citi Rewards Platinum Credit Card - Exclusive Offer
0% p.a. interest for 13 months on purchases and balance transfers
Discounted annual fee of $49 for the first year
Exclusive to finder.com.au
Offer ends 31 December 2019
Eligibility criteria, terms and conditions, fees and charges apply
Exclusive to finder.com.au - Citi Credit Card Offer
Save with 0% p.a. interest on purchases and balance transfers (with no balance transfer fee) for up to 13 months and a discounted annual fee for the first year.
- $49 p.a. annual fee for the first year ($149 p.a. thereafter).
- 20.99% p.a. on purchases
- 0% p.a. for 13 months with 0% BT fee on balance transfers
- Cash advance rate of 21.74% p.a.
- Up to 55 days interest free
- Minimum income requirement of $35,000 p.a.
Comparison of Citi Credit Cards
Types of credit cards from Citi
The range of Citi credit cards available in Australia offer money-saving features, rewards and lifestyle benefits to suit a variety of needs. You could consolidate and pay down debt faster with a balance transfer card, save on credit card costs with a no annual fee or low rate card or earn points for your spending with a rewards or frequent flyer card. You can also enjoy exclusive extras with Citi's platinum and super-premium cards or get competitive lending terms with a Citi line of credit.
Balance transfer credit cards
Citi offers credit card balance transfer options that can help you consolidate your existing debts, including credit card balances and personal loans. In fact, Citi is one of the only Australian credit card providers that allows you to balance transfer personal loan debt to a credit card. For more information, here is a step-by-step guide to balance transfers with Citi.
No annual fee credit cards
Choose a no annual fee credit card from Citi to keep your account costs to a minimum while still enjoying a range of competitive features and complimentary extras. You'll also be able to enjoy an interest-free period on purchases if you pay off your balance by the due date on each statement.
Rewards credit cards
The Citi Rewards range of credit cards earn points per $1 spent on most everyday purchases. If you're new to rewards cards or don't spend a lot, you could start with the entry-level Citi Rewards Classic Credit Card. On the other end of the scale there is the Citi Rewards Platinum, Citi Rewards Signature and Citi Prestige cards, which offer higher point earn rates, more perks and have higher annual fees to match.
Frequent flyer credit cards
Citi offers a selection of credit cards linked to the Qantas or Emirates frequent flyer programs. You can earn Qantas Points for your spending with a Citi Qantas Signature Credit Card or by opting for Citi Qantas Rewards on a Prestige card, while the Emirates Citi World Mastercard earns Skywards Miles. These cards also come with complimentary extras designed for travellers, such as travel insurance and airport lounge passes.
Platinum credit cards
Citi's range of platinum credit cards gives you access to a range of additional perks, including concierge services, Visa Premium offers and complimentary insurance. While most platinum credit cards come with high interest rates and annual fees, you can enjoy a lower purchase rate with the Citi Clear Platinum.
Premium and black credit cards
The Citi Prestige is a super-premium credit card that's sits among black credit cards in terms of features and benefits. This type of high-end credit card has more features and perks than other Citi credit cards, but these extras come at a price. Premium credit cards generally have the highest annual fee.
Other Citi Products
Although it’s not a credit card, Citi Ready Credit is a personal loan that works in a similar way. This account offers a line of credit with variable or fixed rate terms and long-term balance transfer offers. It also comes with a Visa card you can use to make purchases online and over the counter, or for cash advances if you want to withdraw money from an ATM. This means you can use the account to suit your needs and then repay whatever money you use over a flexible period of time. Once you’ve repaid the debt, you can also continue using the card. Learn more about Citi's range of personal loans here.
Compare Citi Transaction Accounts
Benefits and features that come with Citi credit card accounts
If you get a Citi credit card, you'll enjoy a range of unique benefits from the bank. Some of the most popular include:
A complimentary bottle of wine when you dine via Citibank Dining Program
All Citi credit cards give you complimentary access to the Citibank Dining Program, which offers a bottle of award-winning wine when you dine at partner restaurants across Australia. Just tell the waiter that you will be paying with a Citi credit card and you’ll get to select from the restaurant's range of award-winning white and red wines. Learn more about Citi's Dining Program here.
Citi bonus partners program — earn more points
If you have a Citi rewards credit card, you can earn up to 3 bonus Citi Rewards Points per $1 spent when you shop with a Citi Bonus Partner. Shopping categories include travel, shopping, leisure and entertainment, with individual partners varying between states. A full list of Bonus Partners is available on the Citi website, with some examples including Europcar, Red Balloon and Park Regis Hotels.
Transfer debt from a personal loan to a balance transfer credit card
Citi is one of the only credit card providers in Australia to let you transfer your balance from a personal loan, line of credit or overdraft account to a credit card. You can also transfer a balance from another credit card, store card or charge card. This allows you to take advantage of Citi's balance transfer credit card offers to help you save money on interest and pay off your debts faster.
How to apply for a Citi credit card
If you're interested in a Citi credit card, start by comparing your credit card options to help you find one that suits your budget and needs. Once you've found the right card for you, check you meet the eligibility criteria for the card and then click "Go to Site" to be taken to a secure online application that takes about 10 minutes to complete. You should have a response about the status of your application within minutes of completing and submitting the form.
Information needed for a Citi credit card application
Speed up the application process and improve your chances of success by getting the following details and documents ready before you start:
- Personal details. Your full name, date of birth, contact telephone numbers, your residential address and your previous residential address if you’ve recently moved.
- Employment details. This includes your role, salary, length of time you've been with your current employer and your employer's contact details. You may also be asked to submit recent payslips as supporting documentation. If you’re self-employed, you may need to provide your accountant’s contact information and recent tax statements.
- Financial information. Your income, details of any assets you own and contact details for your employer. You’ll need to list your liabilities and expenses like information about any other credit cards, loans, child support payments and information about expenses like your food budget. If you want to transfer a balance to a Citi credit card, you’ll need to provide the account number of the account you want to transfer from and the amount you want to transfer.
What happens next?
If Citi needs any further information, a representative will get in touch to let you know. Make sure all your contact details are correct on your application and be sure to check your email's junk mail or spam folder for relevant communication. You can also call Citi to get an update on the status of your application.
Once your application is approved, you may need to go through an identification check if you're a new Citi customer. This usually involves providing copies of official documents such as your driver's licence or passport. After that, you'll be able to receive, activate and start using your new Citi credit card.
I need a card with $20,000 minimum income that offers travel insurance.
Hi Toni,
Thank you for getting in touch with finder.
Regarding your enquiry on credit cards with complementary travel insurance, please check out this PAGE. Different credit card providers set their eligibility criteria. Most credit cards with complimentary travel insurance include the minimum income requirement between $35,000 to $40,000. Below are some credit cards with complimentary travel insurance that don’t include the minimum income requirement. I still suggest that you contact your chosen insurer regarding the minimum income requirement and other queries you have on your chosen credit card before you submit your application online.
1. Bank of Melbourne Amplify Platinum Credit Card
2. St.George Amplify Platinum Credit Card
3. NAB Rewards Platinum Card
I hope this helps.
Please feel free to reach out to us if you have any other enquiries.
Thank you and have a wonderful day!
Cheers,
Jeni
Hi there,
Can you get balance transfer when you have bad credit history?
Hi Vikki,
Thanks for your inquiry.
Yes, there are banks that will allow you to get balance transfers. Please check this page out and compare offers from different banks.
Hope this information helped.
Cheers,
Arnold
search tells me that there is a CITI BP fuel credit card and refers me to Citi web site. No mention there of the BP card?
Hi Mick,
Thanks for your question.
Unfortunately, the Citi BP MasterCard is no longer available for applications.
Should you wish to check other credit cards with the same feature, please refer to our petrol credit cards comparison page.
I hope this helps.
Cheers,
Ysa
I don’t remember my reference number
Hi Sefrhans,
Thanks for your inquiry.
Please note that you’ve come through finder.com.au, an online comparison service and not a credit card issuer, such as Citibank.
You may wish to contact directly Citibank to confirm your reference number.
Please refer to the number I’ve sent in your email.
I hope this helps.
Cheers,
Debbie
Dear sir, my credit card application ref no is, could u say what is position my credit card status
Hi Hemnath,
Thanks for your inquiry.
Please note that finder.com.au is an online comparison service and does not, in any way, represent Citibank. Should you wish to track your application, kindly get in touch with Citibank via their 24/7 hotline number: 13 24 84.
For further information regarding how to check credit card application status, you may also want to check this page.
I hope this has helped.
Cheers,
Sally
Hello, i am looking for a credit card which offers free access to airport lounges and travel insurance with a low annual fee
Hi Carol, thanks for your inquiry!
For a list of cards that provide free airline lounge access please see this page. Travel insurance details are available on each credit card’s review page, with the annual fees for each card comparable in the table provided.
Cheers,
Jonathan
what is the best balance transfer card when wanting to transfer from a personal loan?
When you accept the transfer of a debt from an external credit card, does that close the external credit card account, or can the account continue to be used after the debit has been transferred to your Bank?
Hi Violet,
Thanks for your inquiry,
It is to the credit card owners discretion to weather or not they decide to close any credit card after a balance transfer is completed. A credit card that has been balance transferred from will still remain active, after the balance transfer has been completed. For more information regarding balance transfer please see this page.
I hope this helps!
Cheers,
Jonathan
Hi Stu,
Thanks for your inquiry!
Please see this page for a list of which financial institutions let you transfer the balance from a personal loan to a credit card.
I hope this helps!
Cheers,
Jonathan
I am existing customer and have mastercard gold card, credit limit $10000. haven’t used card since 2013. I do not want to pay another annual card fee of $149. what balance transfer do I qualify.
Hi Carmel,
Thanks for your question.
If you’re looking to do a balance transfer to another Citi credit card, sign on to Citibank Online, go to ‘Account Services’, then ‘Credit Cards’ and choose the Balance Transfer option. You can also call Citibank on 13 24 84. If you’re looking for a balance transfer credit card from another card issuer, you can compare your options on this page.
I hope this has helped.
Thanks,
Elizabeth
Hello, my email came back with an approval for card, the link that it keeps going to from my email goes to creditcardbest.com instead of straight thru to accept the card
Hi Melissa,
Thanks for your question.
Please get in touch with Citibank directly to enquire about this. The wrong link may have been provided.
Cheers,
Shirley
What is the status of my credit card application. thanks
Hi Nakkina,
Thanks for your question.
Please get in touch with the credit card issuer for an update on your application.
Cheers,
Shirley