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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, airport lounge access, exclusive offers through Mastercard Priceless Cities and 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 Card - Exclusive Offer
0% p.a. for 26 months on balance transfers $0 first year annual fee Exclusive to finder.com.au
Offer ends 30 June 2020
Eligibility criteria, terms and conditions, fees and charges apply
Exclusive to finder.com.au - Citi Credit Card Offer
Take advantage of a long-term balance transfer offer, a waived annual fee for the first year and premium perks with this exclusive offer.
$0 first year annual fee ($199 p.a. thereafter)
0% p.a. on balance transfers for 26 months (with a one-time 1.5% BT fee), reverts to 22.24% p.a.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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.
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. The Citi Rewards, Citi Premier 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 Premier Qantas credit 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, Mastercard Priceless Cities 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 credit card.
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 Mastercard 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.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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.
Digital wallets
You can use your Citi credit cards to make contactless payments with your compatible smartphone or smartwatch devices via Apple Pay and Samsung Pay.
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.
Frequently asked questions about Citi credit cards
Once you’ve compared credit cards from Citi and you’re ready apply, click on ‘go to site’ and you will be directed to a secure online application on the Citi website. The online application should only take about ten minutes to complete if you have all the necessary information on hand to assist with your application.
After you complete the application and submit it to Citi, you should have a response within 60 seconds.
After you’ve hit send in your application, Citi will send you an email on address you provided in your credit card application. This email will contain your 13-digit application reference number. If you want to find out about how long it’s going to take to get your credit card, you can give Citi a call. Quote your application reference number and a Citi representative will be able to have a look at your application. If you didn’t receive an email from Citi following the submission of your application, they should be able to search for your application using your first and last names.
You can make a repayment to your Citi credit card or account in person by visiting a Citi branch. You can also repay your account using the following methods.
Electronic funds transfer. You can transfer funds directly to your Citi credit account from a linked account using your Citi internet banking facility. A linked account can be your Citi transaction or savings account. You can’t transfer from another Citi credit card or Citi Ready Credit account. You can also complete the funds transfer using CitiPhone Self Service Banking.You can also transfer funds from any bank account in Australia that’s registered for internet banking. You can complete the transfer using the following information:
The Citi BSB Number: 242 200.
Your 16-digit credit card / account number.
Pay by cheque. Pay your credit card by mailing a cheque to Citi at GPO Box 749F. Melbourne. VIC 8105. Make the cheque payable to your Citi account number and write the account type as well so it reads Citi Platinum Credit Card XXXX XXXX XXXX XXXX for example. Write the account number of the back of the cheque, too.Include your remittance advice and monthly statement with the cheque in the envelope. If you pay by cheque, allow up to six business days from when the cheque is received for the funds to show in your account.
BPAY payments. You can pay your Citi account statement using BPAY over the phone or from your online banking facility.
Enter the Citi BPAY biller code: 49502.
Your customer reference number is your 16-digit account number.
Easi-Pay. Easi-Pay allows you to set up an automatic debit to your Citi account each statement period. Make sure you have enough money in the account so the funds can be debited and you’ll never pay a late payment fee again.
Call 1800 801 732 and select option 2. You can request a credit limit increase nine months after your account opening date or six months after your last requested increase. Your credit limit cannot be increased by more than 50% of your current limit, or beyond the product maximum. Assessments take between 5 and 10 working days and are subject to Citi's credit criteria.
Citi give you the option of adding additional cards to your account for family members to use. Some Citi credit cards allow you to add up to four additional cards to your account. Check our review and application pages to find out how many additional cardholders you can add to your Citi account.
You can add an additional cardholder to your account through your Citi online banking facility.
Log on to Citi online banking and go to the account services section and choose the additional card option.
You can also request an additional card by giving Citi a call or you can download and complete an additional cardholder request form, which is available from the Citi website.
If you lose your Citi credit card, or it’s stolen, speak to Citi by giving a customer service representative call on 13 24 84. They’re open 24 hours a day 7 days a week.
Your card will be blocked and arrangements will be made to get you a replacement card. Replacement credit cards are usually issued within 5 working days. A Citi representative will have a look at recent activity on the account to make sure there is no unauthorised use on your account.
If you have a Citi rewards credit card, you’re automatically enrolled in the Citi Rewards Program when you activate your credit card. There are no additional fees or charges for joining the Citi Rewards Program.
You can view your Citi Rewards Points balance by logging on to the website, downloading and logging in to the Citi Mobile Banking Application, calling Citi on 13 24 84 or by viewing your monthly credit card statement — you rewards points earning for the statement period is displayed here too.
As long as you keep your Citi credit card account open, and in good standing, your Citi Rewards Points will not expire.
Different Citi credit cards have a different limits on the number of Citi Rewards Points you can earn in a year.
Credit Card
Cap
Citi Rewards Classic Credit Card
5,000 on eligible domestic spend. Uncapped on eligible international spend.
Citi Rewards credit card
10,000 on eligible domestic spend. Uncapped on eligible international spend.
Citi Premier credit card
No cap
Emirates Citi World Mastercard
$1 spend within Australia earns 1 Mile (up to $3,000 per statement period), and 0.5 Skywards Miles per $1 spent thereafter (up to $6,500 per statement period).
Citi Prestige Card
No cap
Citi Rewards Points can be redeemed for a variety of rewards including flights, frequent flyer points, merchandise, cashback or gift cards. You can view your options for redeeming Citi Rewards Points on the Citi Rewards website. You can also use your Citi Rewards Points to pay for your Citi credit card annual fee.
You can redeem your Citi Rewards Points online through the Citi website. After browsing through the Citi Rewards catalogue, select the reward(s) you want to redeem and log in to your account. You can also redeem your points for gifts and services over the phone by calling 13 24 84.
You can also use Points + Pay if you don’t have enough Citi Rewards Points to get the item or service you want. The money required to make up the difference is debited from your available credit on your Citi credit card.
The primary cardholder and additional cardholders can redeem Citi Rewards Points. If you want to transfer frequent flyer points accrued with a Citi credit card, you must be the primary cardholder of the credit card.
As well as well as credit cards, Citi offers bank accounts, home loans, personal loans and superannuation services. It is the consumer division of Citigroup, one of the largest financial services organisations in the world and was the first international bank to be granted a license to operate in Australia (in 1985).
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.
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.
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.
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.
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?
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 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.
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.
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
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
* The credit card offers compared on this page are chosen from a range of credit
cards finder.com.au has access to track details from and is not representative
of all the products available in the market. Products are displayed in no particular
order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are
subject to our disclaimer.
You should consider seeking independent financial advice and consider your own
personal financial circumstances when comparing cards.
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Important information about this website
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product or service.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan.
Products marked as 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money here.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
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Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
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