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Citi Credit Cards

Enjoy bonus points and balance transfer offers, competitive interest rates and a range of premium features with a Citi credit card.

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Citi is a global bank providing financial services in 19 countries. In Australia, Citi offers credit cards to suit every spending style, including balance transfer credit cards, rewards and frequent flyer cards, premium options and low purchase rate cards. Depending on the Citi card you choose, you can enjoy perks like complimentary travel insurance, airport lounge access and 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 options, so that you can decide if a Citi credit card is right for your needs.

Citi Credit Card Offer

Citi Rewards Card - Balance Transfer Offer

0% p.a. for 30 months on balance transfers
$0 first year annual fee

Offer ends 30 November 2020

Eligibility criteria, terms and conditions, fees and charges apply

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 offer.

  • $0 first year annual fee ($199 p.a. thereafter)
  • 0% p.a. on balance transfers for 30 months (with a one-time 1.5% BT fee), reverts to 22.24% p.a.
  • 21.49% p.a. purchase interest rate | 22.24% p.a. cash advance rate
  • Complimentary overseas travel and purchase insurance covers
  • Minimum credit limit of $6,000
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Comparison of Citi Credit Cards

Data indicated here is updated regularly
% p.a.
Name Product Balance transfer rate Purchase rate Annual fee Amount saved
Citi Rewards Card - Balance Transfer Offer
0% p.a. for 30 months with 1.5% balance transfer fee
21.49% p.a.
$0 annual fee for the first year ($199 p.a. thereafter)
Save with 0% interest on balance transfers for the first 30 months (with a 1.5% BT fee) and a $0 annual fee for the first year.
Citi Rewards Card - $500 Voucher Offer
0% p.a. for 12 months
21.49% p.a.
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
Citi Clear Card
0.9% p.a. for 15 months
0.9% for 15 months, reverts to 14.99% p.a.
Save with 0.9% p.a. for 15 months on purchases and balance transfers. Plus, complimentary purchase insurance cover.
Citi Rewards Card - flybuys Offer
0% p.a. for 15 months with 1% balance transfer fee
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Receive 75,000 bonus flybuys points and a $100 Kmart eGift Card when you meet the spend requirement. Plus, a reduced first-year annual fee.
Citi Premier Card
0% p.a. for 6 months
21.49% p.a.
Receive 70,000 bonus reward Points and premium perks including airport lounge passes and complimentary international travel insurance.
Emirates Citi World Mastercard
0% p.a. for 9 months
21.49% p.a.
$149 annual fee for the first year ($299 p.a. thereafter)
Receive up to 60,000 bonus Skywards Miles and pay half the annual fee for the first year.
Citi Prestige Card
0% p.a. for 6 months
21.49% p.a.
Enjoy 100,000 bonus reward Points, unlimited airport lounge access, hotel perks and more.
Citi Simplicity Card
0% p.a. for 6 months
21.49% p.a.
Get 0% p.a. interest for up to 6 months on balance transfers with no balance transfer fee. Plus, a $0 annual fee for life.

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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 with a low purchase 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.

  • Rewards & frequent flyer 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. With the Emirates Citi World Mastercard you can earn Skyward Miles for your spending.

  • 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.

Data indicated here is updated regularly
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee
Citi Personal Loan Plus

From 9.99% (variable)
3 to 5 years
You'll receive a variable rate between 9.99% p.a. and 17.99% p.a. (9.99% p.a. to 17.99% p.a. comparison rate) based on your risk profile
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years. Note: No establishment fee and no monthly account service fees apply if you apply and are approved before 18 December 2020.
Citi Ready Credit
20.49% (variable)
Up to 1 year
Introductory fixed rate of 5.90% p.a. applies for 1 year
Get an introductory rate of 5.90% p.a. on your initial balances transferred for 1 year. Standard rate applies after this period. Note: This offer ends on 18 December 2020. Terms & conditions apply.

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Compare Citi Transaction Accounts

Data indicated here is updated regularly
Name Product Card access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly Account Fee
Citi Global Currency Account
Earn up to 0.75% p.a. interest on your AUD balance.
$0 monthly account fee.
Enjoy one linked debit card to hold up to 10 currencies and receive foreign currencies for free.
Citibank Plus Everyday Account
Free international money transfers and free overseas Citibank ATM withdrawals.

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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.

  • 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.

  • Citi PayAll

This service lets you make payments to any Australian financial institution, directly from your Citi credit card. This means you can use your card to pay your rent, student fees, childcare costs, property fees or other bills – as long as you have the Australian bank account details for the person you want to pay. It's similar to a bank transfer, but from your credit card. A fee worth 2% of each Citi PayAll transaction applies, and you have the option of making one-off transfers or recurring payments.

Plus, if you have a rewards card, you'll earn points in the process, with Citi PayAll offering 1 point per $1 spent through Citibank Rewards, or 0.5 points per $1 spent through Citibank Qantas Rewards or the Emirates Skywards program. You can set up Citi PayAll payments through the mobile app, or learn more about it on the Citi website.

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

Read more on this topic

  • Citi Rewards Card – flybuys Offer

    Receive 70,000 bonus flybuys points, a reduced first year annual fee and platinum-tier perks with this Citi Rewards Card offer.

  • Citi Rewards Card

    The Citi Rewards credit card gives you an access to a first-year annual fee discount, the Citi Rewards program and platinum perks such as complimentary insurance covers.

  • Citi Rewards Card – Balance Transfer Offer

    Take advantage of a 0% balance transfer offer for 30 months and a waived annual fee for the first year with this Citi Rewards credit card offer.

  • The best ways to use 150,000 Citi Rewards points

    From frequent flyer points and flights to travel bookings, shopping and gift cards, here’s how far 150,000 Citi Rewards points could take you.

  • Citi credit card instalment plan options

    With lower rates and repayment plans ranging from 3 to 36 months on offer, a Citi Fixed Payment Option could help you get a handle on your card debt.

  • Citi Prestige Qantas Card

    Boost your Qantas Points with competitive earn rates and take advantage of travel perks including complimentary insurance and lounge passes.

  • Citi Prestige Card

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

  • Citi Simplicity Card

    A no-frills card from Citi with no late fees, no annual fee ever and a balance transfer offer for the first 6 months.

  • Emirates Citi World Mastercard

    The Emirates Citi World Mastercard offers bonus Skywards Miles, lounge passes, golf privileges and a range of complimentary insurance policies.

  • Citi Premier credit card

    Reward your spending with points, enjoy airport lounge passes and complimentary insurance while saving with a 0% balance transfer offer.

Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
ANZ Low Rate
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
Qantas American Express Premium Card
20.74% p.a.
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.

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* The credit card offers compared on this page are chosen from a range of credit cards 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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