Citi Credit Cards

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Comparing the global lender that provides some of the most competitive credit card offers on market. Receive the best in class with bonus points, travel, rewards, balance transfers and competitive interest rates.

Citi is one of the world’s largest banks and has been in Australia since 1985. Since then, Citi have become a staple name in Australian banking. As well as credit cards, Citi offer bank accounts, home loans and personal loans. They’re also an issuer of superannuation services.

Citi credit cards strike a good balance between money-saving features and lifestyle perks. You can save on a balance transfer offer and also save on wine when you dine out. They have a card to match most people’s budgets. Citi have competitively priced products in the no annual fee, rewards, frequent flyer and premium credit card categories.

Citi Rewards Credit Card - Platinum Card

Citi Credit Card Offer

The Citi Rewards Platinum Credit Card offers a low interest rate of 0% p.a. for 24 months on balance transfers and a reduced annual fee for the first year.

  • $199 p.a. annual fee for the first year ($249 p.a. thereafter) annual fee
  • 20.99% p.a. on purchases
  • 0% p.a. for 24 months with 1.5% balance transfer 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.
Rates last updated December 3rd, 2016
$
% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
Citi Rewards Credit Card - Platinum Card
Enjoy a reduced annual fee on the first year, 0% p.a. for 24 months balance transfer offer, Citi Reward Points on eligible spend, plus a complimentary travel insurance.
0% p.a. for 24 months with 1.5% balance transfer fee 20.99% p.a. $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
0% p.a. for 6 months 20.99% p.a. $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Citi Rewards Credit Card - Classic Card
A low interest rate offer on balance transfers with 1 point for every dollar spent.
0% p.a. for 12 months 20.99% p.a. $99 p.a. Go to site More info
Citi Simplicity Card
Take advantage of the 0% p.a. for 9 months offer on balance transfers, a low interest rate on purchases, an annual fee waiver for life, plus 5% cashback on retail purchases.
0% p.a. for 9 months 19.99% p.a. $0 p.a. Go to site More info
Citi Rewards Credit Card - Signature
Receive 75,000 bonus Reward Points with a low balance transfer offer.
0% p.a. for 6 months 20.99% p.a. $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Citi Rewards Platinum Card - Cashback Offer
Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
0% p.a. for 12 months 20.99% p.a. $99 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
Citi Clear Platinum Card
A credit card with a balance transfer and purchase offer of 0% p.a. for 9 months.
0% p.a. for 9 months 0% p.a. for 9 months (reverts to 14.99% p.a.) $99 p.a. Go to site More info
Emirates Citi World MasterCard
Receive 40,000 bonus points and enjoy up to 10% off Emirates flights when you meet the spend requirement. Also pay a reduced annual fee for the first year.
0% p.a. for 9 months 20.99% p.a. $149 p.a. annual fee for the first year ($299 p.a. thereafter) Go to site More info
Citi Prestige Card
Receive 70,000 bonus reward points on your first spend and a low interest rate on balance transfers.
0% p.a. for 6 months 20.99% p.a. $700 p.a. Go to site More info

Comparison of Citi Credit Cards

Rates last updated December 3rd, 2016.

Citi Rewards Platinum Card - Cashback Offer

$250 cashback offer has been extended until 17 February 2017.

October 10th, 2016

Emirates Citi World MasterCard

New 40,000 bonus points offer on your first spend which is valid until 15 December 2016

October 27th, 2016

Citi Simplicity Card

5% cash back + 0% p.a. for 9 months on balance transfers. Offer ends 30 June 2017.

November 18th, 2016

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Citi Rewards Credit Card - Platinum Card
Enjoy a reduced annual fee on the first year, 0% p.a. for 24 months balance transfer offer, Citi Reward Points on eligible spend, plus a complimentary travel insurance.
20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Citi Rewards Credit Card - Classic Card
A low interest rate offer on balance transfers with 1 point for every dollar spent.
20.99% p.a. 0% p.a. for 12 months $99 p.a. Go to site More info
Citi Simplicity Card
Take advantage of the 0% p.a. for 9 months offer on balance transfers, a low interest rate on purchases, an annual fee waiver for life, plus 5% cashback on retail purchases.
19.99% p.a. 0% p.a. for 9 months $0 p.a. Go to site More info
Citi Rewards Credit Card - Signature
Receive 75,000 bonus Reward Points with a low balance transfer offer.
20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Citi Rewards Platinum Card - Cashback Offer
Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
20.99% p.a. 0% p.a. for 12 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
Citi Clear Platinum Card
A credit card with a balance transfer and purchase offer of 0% p.a. for 9 months.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Go to site More info
Emirates Citi World MasterCard
Receive 40,000 bonus points and enjoy up to 10% off Emirates flights when you meet the spend requirement. Also pay a reduced annual fee for the first year.
20.99% p.a. 0% p.a. for 9 months $149 p.a. annual fee for the first year ($299 p.a. thereafter) Go to site More info
Citi Prestige Card
Receive 70,000 bonus reward points on your first spend and a low interest rate on balance transfers.
20.99% p.a. 0% p.a. for 6 months $700 p.a. Go to site More info

What are the types of Citi credit cards?

Compared to other lenders, Citi offer fewer low fee and low rate products, and more rewards and premium products. Citi's Ready Credit is the lender’s cheap credit proposition. This product can be used to pay off the balance of another account or it can be used like a personal loan with fixed repayments. The Citi Reward Credit Card also deserves a nod for versatility, catering to cardholders who just want rewards through to customers who want the rewards as well as all the bells and whistles.

  • Balance transfer credit cards

Citi provides balance transfer options to help you consolidate your existing debts including personal loans and credit card balances. Compare the balance transfer cards on offer and start saving money today with Citi. For more information, here are the step-by-step guide to balance transfers with Citi.

Rates last updated December 3rd, 2016
$
% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
Citi Rewards Credit Card - Platinum Card
Enjoy a reduced annual fee on the first year, 0% p.a. for 24 months balance transfer offer, Citi Reward Points on eligible spend, plus a complimentary travel insurance.
0% p.a. for 24 months with 1.5% balance transfer fee 20.99% p.a. $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
0% p.a. for 6 months 20.99% p.a. $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Citi Rewards Credit Card - Classic Card
A low interest rate offer on balance transfers with 1 point for every dollar spent.
0% p.a. for 12 months 20.99% p.a. $99 p.a. Go to site More info
Citi Simplicity Card
Take advantage of the 0% p.a. for 9 months offer on balance transfers, a low interest rate on purchases, an annual fee waiver for life, plus 5% cashback on retail purchases.
0% p.a. for 9 months 19.99% p.a. $0 p.a. Go to site More info
Citi Rewards Credit Card - Signature
Receive 75,000 bonus Reward Points with a low balance transfer offer.
0% p.a. for 6 months 20.99% p.a. $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Citi Rewards Platinum Card - Cashback Offer
Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
0% p.a. for 12 months 20.99% p.a. $99 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
Citi Clear Platinum Card
A credit card with a balance transfer and purchase offer of 0% p.a. for 9 months.
0% p.a. for 9 months 0% p.a. for 9 months (reverts to 14.99% p.a.) $99 p.a. Go to site More info
Emirates Citi World MasterCard
Receive 40,000 bonus points and enjoy up to 10% off Emirates flights when you meet the spend requirement. Also pay a reduced annual fee for the first year.
0% p.a. for 9 months 20.99% p.a. $149 p.a. annual fee for the first year ($299 p.a. thereafter) Go to site More info
Citi Prestige Card
Receive 70,000 bonus reward points on your first spend and a low interest rate on balance transfers.
0% p.a. for 6 months 20.99% p.a. $700 p.a. Go to site More info
 
Rates last updated December 3rd, 2016
$
% p.a.

Your search criteria didn't return any products. Click to reset your filter options and search again
Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Offers 0% p.a. interest rate on balance transfers for 18 months to help you manage your existing credit card balance with a reduced annual fee in the first year.
0% p.a. for 18 months 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
0% p.a. for 15 months 19.99% p.a. $149 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 12 months 0% p.a. for 3 months (reverts to 19.74% p.a.) $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months with a one off 3% balance transfer fee 0% p.a. for 15 months (reverts to 13.99% p.a.) $59 p.a. Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months with a one off 3% balance transfer fee 0% p.a. for 15 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
Virgin No Annual Fee Credit Card
Enjoy a long term balance transfer plus a $100 cashback offer (spend criteria applies) and never pay an annual fee for this card.
0% p.a. for 18 months with 2% balance transfer fee 18.99% p.a. $0 p.a. Go to site More info
Westpac Low Rate Card
A no frills credit card with an introductory rate of 0% p.a. for 16 months on balance transfers and 1% p.a. for 12 months on purchases.
0% p.a. for 16 months 1% p.a. for 12 months (reverts to 13.49% p.a.) $59 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
0% p.a. for 12 months with 1% balance transfer fee 14.99% p.a. $0 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
BankSA Vertigo Visa
A low interest rate card with a low annual fee, a long term balance transfer offer of 0% p.a. for 18 months and an introductory offer of 1% p.a. for 12 months on purchases.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
Citi Simplicity Card
Take advantage of the 0% p.a. for 9 months offer on balance transfers, a low interest rate on purchases, an annual fee waiver for life, plus 5% cashback on retail purchases.
0% p.a. for 9 months 19.99% p.a. $0 p.a. Go to site More info
  • No annual fee credit cards

Most no annual fee account holders just want the plastic as these cards are great to use for emergencies. Pay off what you spend and take advantage of interest-free days and it won’t cost you a thing to own.

Rates last updated December 3rd, 2016
Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.)
Citi Simplicity Card
Take advantage of the 0% p.a. for 9 months offer on balance transfers, a low interest rate on purchases, an annual fee waiver for life, plus 5% cashback on retail purchases.
$0 p.a. 19.99% p.a. 0% p.a. for 9 months Go to site More info
Rates last updated December 3rd, 2016
Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.)
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
$0 p.a. 14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with $0 annual fee for the life of the card.
$0 p.a. 11.99% p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
$149 p.a. 19.99% p.a. 0% p.a. for 15 months Go to site More info
ANZ Frequent Flyer Black
Earn 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Also, receive complimentary airport lounge access and 24/7 concierge service.
$0 p.a. annual fee for the first year ($425 p.a. thereafter) 19.99% p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
$0 p.a. annual fee for the first year ($87 p.a. thereafter) 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months Go to site More info
Virgin No Annual Fee Credit Card
No annual fee credit card with $100 cashback and a long term low rate balance transfer offer of 0% p.a. for 18 months with 2% balance transfer fee. Spend criteria applies for cashback offer.
$0 p.a. 18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee Go to site More info
American Express Qantas Discovery Card
Earn up to 7,500 bonus Qantas Frequent Flyer points, plus take advantage of no annual fee for the life of the card. Earn 1 Qantas Frequent Flyer point per $1 spend.
$0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
ANZ Platinum Credit Card
Enjoy platinum card benefits with $0 annual fee in the first year and complimentary overseas travel and medical insurance.
$0 p.a. annual fee for the first year ($87 p.a. thereafter) 19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee Go to site More info
28 Degrees Platinum MasterCard
No annual fee for life, up to 55 days interest-free on purchases and no foreign transaction fees.
$0 p.a. 21.99% p.a. 4.99% p.a. for 6 months Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you meet the minimum spend requirement and earn up to 2 points for every $1 you spend, together with a $0 annual fee.
$0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
ANZ First Student Card
An ideal credit card for students with 44 days interest-free on purchases with $0 annual fee in the first year. Access your account on the go with the goMoney™ app.
$0 p.a. annual fee for the first year ($30 p.a. thereafter) 19.74% p.a. Go to site More info
Citi Simplicity Card
Pay no annual fee to ever, plus receive access to complimentary purchase insurance and the Citibank Dining Program.
$0 p.a. 19.99% p.a. 0% p.a. for 9 months Go to site More info
ANZ Frequent Flyer
Receive 25,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Plus enjoy a waived annual fee for the first year.
$0 p.a. annual fee for the first year ($95 p.a. thereafter) 19.99% p.a. Go to site More info
Commonwealth Bank Business Interest-Free Days Credit Card
Take advantage of $0 annual fee for the first year and receive $250 cash back (spend $500 by 31 March 2017).
$0 p.a. annual fee for the first year ($60 p.a. thereafter) 17.57% p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 1.5 Qantas Points per dollar spent.
$0 p.a. annual fee for the first year ($295 p.a. thereafter) 19.99% p.a. Go to site More info

Learn more about No Annual Fee Credit Cards

  • Rewards credit cards

The Citi Rewards range of credit cards caters to all budgets. The Citi Rewards Card – Classic is a great entry-level rewards product that won’t cost the earth. On the other end of the scale are the Rewards Card – Platinum and Rewards Card – Signature.

Rates last updated December 3rd, 2016
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
Citi Rewards Credit Card - Classic Card
Earn points for every dollar spent on all eligible purchases and enjoy 0% p.a. on balance transfers for 12 months.
0 1 $99 p.a. Go to site More info
Citi Rewards Credit Card - Platinum Card
Enjoy a reduced annual fee on the first year, 0% p.a. for 24 months balance transfer offer, Citi Reward Points on eligible spend, plus a complimentary travel insurance.
0 1.25 $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
Citi Rewards Credit Card - Signature
Receive 75,000 bonus Reward Points on eligible spend. A range of complimentary insurances.
0 1.5 75,000 bonus points $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Citi Prestige Card
Receive 70,000 bonus points on your first spend and a low interest rate on balance transfers.
2 70,000 bonus points $700 p.a. Go to site More info
Rates last updated December 3rd, 2016
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 100,000 bonus points $395 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
1 $0 p.a. Go to site More info
HSBC Platinum Credit Card
Enjoy an annual fee refund every year if you meet the spend requirement with a balance transfer offer, high credit limits and prestige services including a personal concierge service and VISA Platinum rewards program.
0 1 $149 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
0 1 60,000 bonus points $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months plus a low balance transfer offer of 0% p.a. for 18 months
0 0.66 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
1.5 0.5 75,000 bonus points $250 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Earn Velocity Points plus enjoy an introductory interest-free offer of 0% p.a. on purchases for 12 months, and 0% p.a. for 6 months on balance transfers.
0 0.66 $129 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
1 0 50,000 bonus points $349 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
1 0 10,000 bonus points $195 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
2 1 $225 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
0 1 30,000 bonus points $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
American Express Qantas Discovery Card
A no annual fee frequent flyer credit card with Earn 7,500 bonus points and enjoy 0% p.a. on balance transfers for 12 months when you apply and are approved. Earn 1 Qantas Point per $1 spend.
1 0 7,500 bonus points $0 p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you meet the minimum spend requirement and earn up to 2 points for every $1 you spend, together with a $0 annual fee.
1 0 7,500 bonus points $0 p.a. Go to site More info
Westpac Altitude Black - Exclusive Offer
Earn 100,000 bonus points when you spend $5,000 on eligible purchases, choose between two reward programs offering Altitude or Qantas Rewards and receive premium cardholder benefits.
3 1.25 100,000 bonus points $395 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
1 0 30,000 bonus points $249 p.a. Go to site More info
David Jones American Express Platinum Card
Receive 40,000 Membership Rewards points or 30,000 Qantas Points. Plus earn up to 4 rewards point per $1 spend.
1 40,000 bonus points $295 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
0 1 50,000 bonus points $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
American Express Platinum Business Card
Receive 100,000 bonus points when you meet the minimum spend requirement and earn up to 2 Membership Rewards points for every dollar spent.
1 0 100,000 bonus points $1,500 p.a. Go to site More info
Commonwealth Bank Business Platinum Awards Credit Card
Earn up to 3 Awards points per dollar spent and enjoy a range complimentary insurances.
3 1 $300 p.a. Go to site More info

Learn more about Rewards Credit Cards

  • Frequent flyer credit cards

    Citi offer a couple of direct earn frequent flyer products. Eligible spending on these cards will automatically earn points for the linked frequent flyer account. This is great for big spenders who want to rack up points on purchases.

Rates last updated December 3rd, 2016
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
Citi Qantas Signature Credit Card
Citi Qantas Signature Credit Card
50,000 bonus points 1 0 $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Emirates Citi World MasterCard
Emirates Citi World MasterCard
40,000 bonus points 1 0 $149 p.a. annual fee for the first year ($299 p.a. thereafter) Go to site More info
Rates last updated December 3rd, 2016
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
60,000 bonus points 1 0 $199 p.a. Go to site More info
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
75,000 bonus points 0.75 1.5 $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
American Express Essential Credit Card
American Express Essential Credit Card
1 $0 p.a. Go to site More info
American Express Explorer Credit Card
American Express Explorer Credit Card
100,000 bonus points 2 $395 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
NAB Qantas Rewards Premium Card - Exclusive Offer
75,000 bonus points 0.5 1.5 $250 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66 0 $129 p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
10,000 bonus points 0 1 $195 p.a. Go to site More info
American Express Velocity Platinum Card
American Express Velocity Platinum Card
50,000 bonus points 0 1 $349 p.a. Go to site More info
American Express Qantas Ultimate Card
American Express Qantas Ultimate Card
100,000 bonus points 0 1 $450 p.a. Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
7,500 bonus points 0 1 $0 p.a. Go to site More info
ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Platinum
50,000 bonus points 0.5 1.5 $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
ANZ Frequent Flyer
ANZ Frequent Flyer
25,000 bonus points 0.5 1 $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
30,000 bonus points 1 0 $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
American Express Qantas Premium Card
American Express Qantas Premium Card
30,000 bonus points 0 1 $249 p.a. Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
7,500 bonus points 0 1 $0 p.a. Go to site More info
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Premium Card
25,000 bonus points 0.5 1.5 $250 p.a. Go to site More info
Emirates Citi World MasterCard
Emirates Citi World MasterCard
40,000 bonus points 1 0 $149 p.a. annual fee for the first year ($299 p.a. thereafter) Go to site More info

Learn more about Frequent Flyer Credit Cards

  • Platinum credit cards

Platinum credit cards are no longer the king of the castle. There are a number of premium and super premium credit cards that offer more than a platinum product (with the price tag to match). But platinum credit cards are still a good value proposition for people who want a card that sits somewhere between standard and premium products.

Rates last updated December 3rd, 2016
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Citi Clear Platinum Card
A low rate platinum credit card with a low interest rate on purchases and balance transfers.
VISA/MC: 0 AMEX: 0 No 0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Go to site More info
Rates last updated December 3rd, 2016
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
Yes 0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. 4.99% p.a. for 6 months $250 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months plus enjoy a low 0% p.a. for 18 months on balance transfers. Plus receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
VISA/MC: 0.66 AMEX: 0 No 20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
VISA/MC: 0 AMEX: 0 Yes 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. $199 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
VISA/MC: 0 AMEX: 0 Yes 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points when you spend at least $2,000 on eligible purchases within 90 days. Receive introductory interest rates on balance transfers and purchases, plus complimentary access to over 850 airport lounges worldwide.
VISA/MC: 1 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
Citi Rewards Credit Card - Platinum Card
Consolidate your debt with a balance transfer offer of 0% p.a. for 24 months and a host of platinum privileges to enjoy including 1.25 Reward Points per $1 spent and complimentary insurance.
VISA/MC: 1.25 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
VISA/MC: 0 AMEX: 0 Yes 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Receive 50,000 Qantas Points when you spend $2,500 on eligible purchases for the first three months, take advantage of the waived annual fee for the first year. Plus, enjoy complimentary insurances and earn up to 1.5 Qantas Points per $1 spent.
VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
VISA/MC: 1 AMEX: 0 Yes 20.74% p.a. 1.9% p.a. for 15 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
VISA/MC: 1 AMEX: 2 Yes 20.24% p.a. $225 p.a. Go to site More info
NAB Premium Card
Enjoy an introductory offer of 0% p.a. for 15 months on balance transfers and purchases., plus platinum advantages including travel insurance, higher credit limits and VIP Lost Card Cover.
VISA/MC: 0 AMEX: 0 Yes 0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $90 p.a. Go to site More info
ANZ Frequent Flyer Black
Earn 75,000 bonus Qantas Points after you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Plus, enjoy easy payments with Apple Pay.
VISA/MC: 0.75 AMEX: 1.5 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
American Express Platinum Card
Receive 100,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 900 VIP airport lounges.
VISA/MC: 0 AMEX: 1 Yes $1,200 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
An interest-free offer on purchases and balance transfers. Earn Velocity Points on everyday spend.
VISA/MC: 0.66 AMEX: 0 No 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info

Learn more about Platinum, Gold and Black Cards

  • Premium credit cards

Prestige’ is Citi’s brand for a premium credit card product. 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.

Rates last updated December 3rd, 2016
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Citi Prestige Card
Receive 70,000 bonus points on your first spend and a low interest rate on balance transfers.
2 Yes 20.99% p.a. 0% p.a. for 6 months $700 p.a. Go to site More info
Rates last updated December 3rd, 2016
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Westpac Altitude Black - Exclusive Offer
Earn 100,000 bonus points when you spend $5,000 on eligible purchases, choose between two reward programs offering Altitude or Qantas Rewards and receive premium cardholder benefits.
VISA/MC: 1.25 AMEX: 3 Yes 20.24% p.a. $395 p.a. Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
ANZ Frequent Flyer Black
Earn 75,000 bonus Qantas Points after you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Plus, enjoy easy payments with Apple Pay.
VISA/MC: 0.75 AMEX: 1.5 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
ANZ Rewards Black Credit Card
Earn 75,000 Reward Points after your first eligible purchase within the first three months. Up to 3 reward points per dollar spent and unlimited access to airport lounges with complimentary travel insurance.
VISA/MC: 1.25 AMEX: 3 Yes 18.79% p.a. $375 p.a. Go to site More info
Citi Prestige Card
Receive 70,000 bonus reward points on your first spend with uncapped rewards points and no points expiry.
2 Yes 20.99% p.a. 0% p.a. for 6 months $700 p.a. Go to site More info
Learn more about Black Credit Cards

  • Line of credit with Citi

Although it’s not a credit card, Citi Ready Credit is a personal loan that works in a similar way. You receive a card with an account that you can use to make purchases online, spend over the counter and withdraw money from an ATM. Account holders will receive a Visa debit that has the competitive interest rates of a personal loan with the flexibility of a credit card. You can use the account how you choose and then repay the amount you’ve used. Once you’ve repaid the debt, you can continue using the card. Learn more about Citi's range of personal loans here.

Rates last updated December 3rd, 2016
Purchase rate (p.a.)
Citi Ready Credit
Citi Ready Credit
A competitive interest rate on purchases and a long term balance transfer offer of 7.9% p.a. for 24 months for a $149 one-off establishment fee and $0 annual fee. 19.99% p.a. More info
Citi Ready Credit - Fixed Payment Option
Citi Ready Credit - Fixed Payment Option
Make purchases or consolidate debts with a competitive unsecured rate of interest of 9.99% p.a. for 48 months for a one-off establishment fee of $149 and $0 annual fee. 9.99% p.a. for 48 months (reverts to 19.99% p.a.) More info

Compare Citi Transaction Accounts

Rates last updated December 3rd, 2016
$
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
Citibank Plus Everyday Account
Free international money transfers and free overseas Citibank ATM withdrawals.
Visa $0 $0 No ATM fees using Citibank, Westpac, BankSA and St.George branded ATMs in Australia. Use overseas Citibank ATMs for free. More
Citibank Cash Investment Account
Ongoing, variable 1.90% p.a.. Available on balance $250,000 and above.
Visa $0 $0 Free access to your cash at over 3,000 Citibank, Westpac, St.George, BankSA and Bank of Melbourne ATMs throughout Australia. More

The benefits of banking with Citi

Citi credit card account holders get access to benefits that only Citi can provide. You can read about some of these exclusive benefits below:

  • Citi dining program — free wine when you dine

You can get a bottle of award-winning wine when you dine at Citi partner restaurants (here's a list of Citi Dining Program Restaurants in Sydney). 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 the Citi Dining Program here.

  • Citi bonus partners program — earn more points

If you have a Citi rewards credit card, you can earn an extra three Citi Rewards Points per dollar spent when you shop at a Citi Bonus Partner.

  • Balance transfers — transfer from a personal loan

Citi are only one of a couple of credit card providing institutions that let you transfer the balance from a personal loan, line of credit or overdraft account to one of their credit cards. You can also transfer a balance from a credit card, store card or charge card.

How to apply for a Citi credit card

You can apply for a Citi credit card by, first, comparing your credit card options. Once you've found the right card for you, check you meet the eligibility criteria for the card and then click 'Go to Site'.

Information needed for a Citi credit card application

If you can provide basic information about yourself and your finances, an online Citi credit card application will only take about 10 minutes to complete. You should have a response about the status of your application within minutes of completing and submitting the form. You'll need the following information:

  • Personal details. Your full name, date of birth, contact telephone numbers, your residential address and your previous residential address if you’ve recently moved.
  • 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’re self-employed, you may also need to provide your accountant’s contact information. 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, they will make contact via the telephone number you have provided. If you are an employed individual, it will help speed the process along if you forewarn your payroll people that Citi will be requesting confirmation of your income.

If you are brand new customer with Citi, before you can be finally approved for a Citi credit card, you will need to go through an identity verification process, as mandated by the Australian government. You will need to take the appropriate supporting documents into a Citi branch so that a Citi representative can confirm both your identity and any further information you provided online.

Frequently asked questions

How long does it take to apply for a Citi credit card?

Once you’ve compared credit cards from Citibank and you’re ready apply, click on ‘go to site’ and you will be directed to a secure online application on the Citibank 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 Citibank, you should have a response within 60 seconds.

How do I check on the status of my credit card application?

After you’ve hit send in your application, Citibank 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 Citibank a call. Quote your application reference number and a Citibank representative will be able to have a look at your application. If you didn’t receive an email from Citibank following the submission of your application, they should be able to search for your application using your first and last names.

How can I repay my Citi credit card?

You can make a repayment to your Citi credit card or account in person by visiting a Citibank 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 Citibank internet banking facility. A linked account can be your Citibank 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 Citibank BSB Number: 242 200.
    • Your 16 digit credit card / account number.
  • Pay by chequePay your credit card by mailing a cheque to Citibank at GPO Box 749F. Melbourne. VIC 8105.Make the cheque payable to your Citibank 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 Citibank account statement using BPAY over the phone or from your online banking facility.
    • Enter the Citibank 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 Citibank 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.

Can I increase my credit limit?

You can apply for a higher credit limit once you’ve had your Citi credit card for nine months. The application for a higher credit limit will be approved if Citibank deem you able to service the increased limit.

To apply for a credit limit increase:

  • Log onto your Citibank online banking facility and request a credit limit increase by choosing the credit limit increase option from the account services menu.
  • Call Citibank on 13 CITI (13 24 84).
  • Download, complete and submit a credit limit increase form from the Citibank website.

If you apply for a credit limit increase online, and you’re approved, the new limit is effective right away. If you apply for an increased limit using any of the other methods mentioned, allow 6 – 10 business days for your application to be processed.

The following regulations must be observed when you apply for a higher credit limit.

  • Your account must be open for nine months before you can request a credit limit increase.
  • Only one credit limit increase application every 6 months.
  • You can only increase your limit by 50% of your current credit limit.
  • Citibank cardholders in the ACT must apply for an increased credit limit in writing.
  • You can only increase your limit up to the maximum credit limit on a particular product. You can find information about the maximum credit limit listed on our Citi credit card review and application pages.

How can I add an additional cardholder to my Citi credit card account?

Citibank 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 Citibank account.

You can add an additional cardholder to your account through your Citibank online banking facility.

  • Log on to Citibank online banking and go to the account services section and choose the additional card option.

You can also request an additional card by giving Citibank a call or you can download and complete an additional cardholder request form, which is available from the Citibank website.

What happens if my card is lost or stolen?

If you lose your Citi credit card, or it’s stolen, speak to Citibank 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 Citibank representative will have a look at recent activity on the account to make sure there is no unauthorised use on your account.

Do I have to pay anything extra to join the Citi Rewards Program?

If you have a Citibank rewards credit card, you’re automatically enrolled in the Citibank Rewards Program when you activate your credit card. There are no additional fees or charges for joining the Citibank Rewards Program.

How do I find out how many Citi Rewards Points I have?

You can view your Citibank Rewards Points balance by logging on to the website, downloading and logging in to the Citibank Mobile Banking Application, calling Citibank on 13 24 84 or by viewing your monthly credit card statement — you rewards points earning for the statement period is displayed here too.

Do my Citi Rewards Points expire?

As long as you keep your Citi credit card account open, and in good standing, your Citibank Rewards Points will not expire.

Is there a cap on the number of Citi Rewards Points I can earn?

Different Citi credit cards have a different limits on the number of Citibank Rewards Points you can earn in a year.

Credit CardCap
Citi Rewards Credit Card – Classic60,000
Citi Rewards Credit Card – Platinum250,000
Citi Rewards Credit Card – SignatureNo cap
Emirates Citi World CardNo cap
Citi Prestige CardNo cap

What can I use my points for?

Citibank Rewards can be redeemed for flights, electronics, cashback and gift cards to name a few redemption options. You can view your options for redeeming Citibank Rewards Points on the Citibank Rewards website.

You can also use your Citibank Rewards Points to pay for your Citi credit card annual fee.

How do I redeem my Citi points?

You can redeem your Citibank Rewards Points online through the Citibank website. After browsing through the Citibank 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 Citibank 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.

Who can redeem my points?

The primary cardholder and additional cardholders can redeem Citibank 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.

Back to top

Read more on this topic

American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

Annual fee

0
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

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50 Responses to Citi Credit Cards

  1. Default Gravatar
    Mick | October 25, 2016

    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?

    • Staff
      Ysa | October 25, 2016

      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

  2. Default Gravatar
    Sefrhans | March 15, 2016

    I don’t remember my reference number

    • Staff
      Debbie | March 15, 2016

      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

  3. Default Gravatar
    hemnath | August 30, 2015

    Dear sir, my credit card application ref no is, could u say what is position my credit card status

    • Staff
      Sally | August 31, 2015

      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

  4. Default Gravatar
    carol | February 19, 2015

    Hello, i am looking for a credit card which offers free access to airport lounges and travel insurance with a low annual fee

    • Staff
      Jonathan | February 19, 2015

      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

  5. Default Gravatar
    stu | January 20, 2015

    what is the best balance transfer card when wanting to transfer from a personal loan?

    • Default Gravatar
      Violet | January 21, 2015

      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?

    • Staff
      Jonathan | January 22, 2015

      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

    • Staff
      Jonathan | January 21, 2015

      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

  6. Default Gravatar
    Carmel | November 28, 2014

    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.

    • Staff
      Elizabeth | November 28, 2014

      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

  7. Default Gravatar
    melissa | September 19, 2014

    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

    • Staff
      Shirley | September 22, 2014

      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

  8. Default Gravatar
    Nakkina | September 15, 2014

    What is the status of my credit card application. thanks

    • Staff
      Shirley | September 16, 2014

      Hi Nakkina,

      Thanks for your question.

      Please get in touch with the credit card issuer for an update on your application.

      Cheers,
      Shirley

  9. Default Gravatar
    Luke | July 21, 2014

    I have been approved for a Platinum Card but I have re-assessed by needs and wish to change to a Clear Platinum card. my approval was only 3 days ago so can this be changed.

    • Staff
      Shirley | July 22, 2014

      Hi Luke,

      Thanks for your question.

      It’s probably best to speak to the customer service team at Citibank to see if they can do an internal transfer regarding the Clear Platinum card.

      If you need to make a new application, it may be best to wait 3-6 months before making another inquiry.

      Cheers,
      Shirley

  10. Default Gravatar
    | May 8, 2014

    what is: CITI / pay PASS / WORLD

    issued in tandem(?) with Diners [classic] card

    • Staff
      Shirley | May 9, 2014

      Hi Errol,

      Thanks for your question.

      Citi stands for Citibank. You can read more about Paypass here.

      I’m unsure as to what you’re asking about Diners and ‘issued in tandem’ – could you please elaborate?

      Cheers,
      Shirley

Credit Cards Comparison

Rates last updated December 3rd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info

* 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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