Compare Citi Credit Cards - Reviews, Fees and Rates | Finder

Citi Credit Cards

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

Citi

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

Citi Credit Card Offer

Citi Rewards Card - Balance Transfer Offer

0% p.a. for 30 months on balance transfers
$49 first-year annual fee

Offer ends 30 June 2021

Eligibility criteria, terms and conditions, fees and charges apply

Citi Credit Card Offer

Save with a long-term balance transfer offer and a first-year annual fee discount. Plus, Citi reward Points for your spending and complimentary insurance.

  • $49 first-year annual fee ($149 p.a. thereafter)
  • 0% p.a. on balance transfers for 30 months with no balance transfer fee, reverts to 22.24% p.a.
  • 21.49% p.a. purchase interest rate | 22.24% p.a. cash advance rate
  • Earn 1 Citi reward Point per $1 spent
  • Minimum credit limit of $6,000
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Comparison of Citi Credit Cards

Data 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
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee.
Citi Rewards Card - Points & Gift Card Offer
0% p.a. for 15 months
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Receive 90,000 bonus Citi reward Points (worth $400 in gift cards) and a $100 Coles eGift Card when you spend $3,000 in the first 90 days.
Citi Clear Card
0% p.a. for 15 months
14.99% p.a.
$49 annual fee for the first year ($99 p.a. thereafter)
Get $250 cashback when you spend $3,000 within the first 90 days. Plus, a 0% balance transfer offer and first-year annual fee discount.
Citi Rewards Card - Velocity Points Offer
0% p.a. for 15 months
21.49% p.a.
$99 annual fee for the first year ($199 p.a. thereafter)
Enjoy 100,000 bonus Velocity Points when you spend $3,000 in the first 90 days. Plus, complimentary travel and purchase insurance.
Citi Simplicity Card
0% p.a. for 6 months
0% p.a. for 6 months, reverts to 21.49% p.a.
$0
Get 0% p.a. interest for up to 6 months on purchases and balance transfers. Plus, a $0 annual fee for life.
Citi Rewards Card - Bonus Points Offer
0% p.a. for 15 months
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Get 100,000 bonus Citi reward Points (worth $460 in gift cards) when you spend $3,000 in the first 90 days. Plus, a $49 first-year annual fee.
Emirates Citi World Mastercard
0% p.a. for 9 months
21.49% p.a.
$149 annual fee for the first year ($299 p.a. thereafter)
Receive 60,000 bonus Skywards Miles, complimentary travel insurance, lounge passes and golf perks.
Citi Prestige Card
0% p.a. for 6 months
21.49% p.a.
$700
Enjoy 200,000 bonus reward Points, unlimited airport lounge access, hotel perks and more.
Citi Premier Card
0% p.a. for 6 months
21.49% p.a.
$150 annual fee for the first year ($300 p.a. thereafter)
Enjoy 130,000 bonus points (worth $450 in eGift cards) when you spend $4,000 within the first 90 days. Plus, a first-year annual fee discount.
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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 (existing customers only) 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 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
8.90% (variable)
9.18%
$5,000
3 to 5 years
$199
$0
You'll receive a variable rate of 8.90% p.a. with a comparison rate of 9.18% p.a.
A credit limit up to $40,000 that you can continue to draw down over terms up to 5 years. Note: Monthly account service fee will be waived for applications submitted before 30 September 2021.
Citi Ready Credit
20.49% (variable)
$5,000
Up to 1 year
$199
$0
Introductory fixed rate of 3.99% p.a. applies for 1 year
Get an introductory rate of 3.99% p.a. on your initial balances transferred for 1 year. Standard rate applies after this period. Note: Limited to the first 500 accounts or until 30 September 2021. Standard rate applies after this period.
Citi Ready Credit (3 Years Balance Transfer)
3.99% (fixed)
$5,000
Up to 3 years
$199
$0
Borrow between $5,000 and $75,000
Pay no fees and no asset security required. Note: Limited to the first 500 accounts or until 30 September 2021. Standard rate applies after this period.
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Compare Citi Transaction Accounts

Data updated regularly
Name Product Card access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly account fee
Citi Global Currency Account
Mastercard
$0
$0
$0
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
Mastercard
$0
$0
$0
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.

  • Citi credit card instalment plans

If you want to pay off part of your balance over time, an instalment plan with fixed, monthly repayments helps make it easier to budget. Citi offers three types of instalment plans depending on the type of spending or balance:

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

Keep in mind that these plans are subject to eligibility. You can see what's on offer for your account at any time by going to the "My Offers" section when you're logged in to Citi online banking or the Citi Mobile App. Or call Citi on 13 24 84 to find out about your options. Learn more about using instalment plans on a credit card to see if they'll work for you.

  • 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

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