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The best ways to use 150,000 Citi Rewards points

From travel bookings to shopping and frequent flyer points, explore the different ways you can make 150,000 Citi Rewards points work for you.

If you have a Citi Rewards credit card, you’ll earn points for all your eligible spending. You could also get thousands of bonus points when you sign up for a new Citi Rewards card with an introductory offer.

You can then use your points for a variety of rewards that range from travel and frequent flyer points to shopping, gift cards and cashback. If you’re wondering what your points are worth in dollars, you can use this guide to see what options you’d have with 150,000 Citi Rewards points in your account.

Point variations

Please note that the amount of points you’ll need for specific rewards can vary between Citi Rewards cards. The reward examples and points values we share here are based on information on the Australian Citi Rewards website as of 30 January 2018. For the most accurate details of rewards and points, log in to your Citi Rewards account and browse rewards available based on your individual account details and point balance.

How can I use 150,000 Citi Rewards points?

Frequent flyer points

wing of an airplane

If you have a Citi Rewards Platinum, Signature or Prestige credit card, you can transfer points to your Virgin Australia Velocity, Emirates Skywards or Singapore Airlines KrisFlyer frequent flyer account. Point transfers are also available if you have an existing Citi Rewards Gold Visa or CitiBusiness card. The key details are:

  • Transfer rates. With Velocity, every 2.5 Citi Rewards points = 1 Velocity Point. With both Emirates Skywards and Singapore Airlines KrisFlyer, the transfer rate is 3 Citi Rewards points for 1 frequent flyer mile.
  • No minimum transfer amount. While some credit card reward programs require a minimum number of points before you can convert them to frequent flyer rewards, there is no lower or upper limit through Citi Rewards.
  • Eligible frequent flyer accounts. You can only transfer your Citi Rewards points to a Velocity, Skywards or KrisFlyer account that’s also in your name.
  • Transfer times. While your Citi Rewards points will be taken from your account as soon as you successfully complete the redemption process, it may take up to 28 days before they land in your frequent flyer account.

How many frequent flyer points can I get with 150,000 Citi Rewards points?

Frequent flyer program Conversion rate Frequent flyer points from 150,000 Citi Rewards points
Velocity 2.5 Citi Rewards = 1 Velocity Point 60,000 Velocity Points
Emirates Skywards 3 Citi Rewards = 1 Skywards Mile 50,000 Skywards Miles
Singapore Airlines
3 Citi Rewards = 1 KrisFlyer Mile 50,000 KrisFlyer Miles

Based on these conversion rates, you’d have enough Velocity Points for a one-way economy flight from Melbourne to Los Angeles (from 44,800 points) or a return premium economy flight from Sydney to New Zealand (from 53,400 points).

Alternatively, 50,000 Skywards Miles could get you a one-way business class flight from Perth to Singapore with Qantas – which costs a total of 50,000 Skywards Miles for a flight with a QF booking code when you use the “Plan & Book” feature on the Emirates website. Meanwhile, 50,000 KrisFlyer Miles could get you a return economy flight from Australia to Singapore with Singapore Airlines (from 40,000 KrisFlyer Miles depending on which Australian capital city you fly from).

If you want to earn Qantas Frequent Flyer points through a Citi Rewards credit card, you can opt into the Citi Qantas Rewards program with either a Citi Qantas Signature or Citi Prestige credit card. You’ll then earn Qantas Points for all your eligible card spending. Note that an additional annual fee of $49 applies for enrolling in Citi Qantas Rewards.


beach resort with pool

You can redeem your points for flights, accommodation, cruises, car hire and travel packages booked through the Citi Rewards website or by phoning Citi on 13 24 84. This service is provided by Connexions Loyalty Travel and in some cases a booking fee or other additional charges may apply.

As travel booking prices and details are customisable, there are no public details of how many points you’d need for specific types of bookings. So you’ll need to log in to your Citi Rewards account to find out how far your points can take you with this option.

Travel gift cards

The Citi Rewards website also gives you the option of using points to get travel-related gift cards. While the dollar values and points may vary, here are some examples of gift cards that were available on the Citi Rewards website in January 2018:

Gift card brand Gift card dollar value Points required
Accor Hotels $100


$100: From 20,900 points

$500: From 104,200 points

Flight Centre $100



$100: From 20,900 points

$250: From 52,100 points

$500: From 104,200 points

Europcar $100



$100: From 20,900 points

$250: From 41,700 points

$500: From 104,200 points

Rydges $100


$100: From 20,900 points

$250: From 52,100 points

*Points and items based on search results from 30 January 2018.

Based on these details, you could redeem 150,000 Citi Rewards points for around $700 worth of gift cards from any of these brands. Although it’s worth noting you would have to redeem several gift cards to make up this value.

For example, if you wanted $700 worth of Flight Centre gift cards, you’d need to redeem one $500 gift card for 104,200 points and two $100 gift cards for 20,900 points each. All up, that works out to be 146,000 points for $700 value over three separate Flight Centre gift cards.

Shopping and merchandise

couple with shopping bags

The Citi Rewards website has a variety of items you can redeem with your points, with categories including apparel, kitchen appliances, electronics and even musical instruments. As with any retail store, the stock and prices will vary, so log in to your account to see details of what’s available when you want to redeem your Citi Rewards points.

Using Citi Rewards to shop directly with

You can also use your points to pay for shopping at – although this option is only currently available on the US version of the Amazon website. So if you want to buy items there, you can register your card through the Shop With Points option on, then choose to pay with points at the checkout.

The total points required for your shopping varies, so you will have to be registered for the service to see how many points are needed. You can also pay with a combination of points and cash.

Gift cards, cashback and charity donations

gift card and a laptop

The Citi Rewards website offers a range of gift card options, with brands such as Coles Myer, Bunnings Warehouse, David Jones, iTunes and Woolworths WISH. You can also use your points for cashback on your account, an annual fee credit or a donation to a charity.

As with other rewards on the website, the point values may vary between individual accounts, so you’ll need to log in to see what’s available to you. But to give you some idea of how far 150,000 points would go, here are a few options listed on the Citi Rewards website on 30 January 2018:

  • $500 David Jones gift card: From 104,200 points.
  • $350 cashback on your account: From 140,000 points. This is based on a $250 cashback reward starting from 100,000 points and a $100 cashback reward from 40,000 points.
  • $199 platinum card annual fee: From 79,600 points.
  • $50 Red Cross donation: From 16,700 points.

How can I redeem Citi Rewards points?

To use your Citi Rewards points for any of the reward options above, log in to your Citi credit card account, select the “Rewards” button and browse rewards before choosing one you want. Alternatively, you can make a redemption by calling Citi on 13 24 84.

What else do I need to know about using 150,000 Citi Rewards points?

To make the most of your Citi Rewards points, keep these details in mind:

  • Availability. The different rewards available can vary. Make sure you log in to your Citi Rewards account to see the current options available to you.
  • Point value. Each reward has a different dollar value. Make sure you factor this in to your redemption so that you can get the most value from your rewards.
  • Points Plus Pay. Citi Rewards gives you the option of using a combination of points and cash for some rewards, such as travel bookings made directly through Citi Rewards or shopping on You’ll be able to see when this option is available by logging in to your account and browsing rewards before making a redemption.
  • Point expiry. Citi Rewards points don’t expire, so you can save them up for specific rewards that you want.
  • Credit card costs. Remember to weigh the cost of your card against the value of rewards. Ideally, the value you get from rewards should be worth more than the annual fee and any interest charges.
  • Bonus point requirements. If you want a Citi Rewards credit card that offers introductory bonus points, make sure you meet the requirements. This typically includes meeting a minimum spend requirement in the first few months you have the card, for example, $3,000 in the first three months.

With so many different ways to use Citi Rewards points, the “best” option will depend on your individual circumstances. But you can look at the dollar value of different rewards to help you weigh up your options. Just remember to log in to your Citi Rewards account so you can find the most accurate details.

Citi Credit Card Offer

Citi Prestige Card

Earn 20,000 monthly bonus reward Points for 20 months

Offer ends 31 March 2019

Eligibility criteria, terms and conditions, fees and charges apply

Citi Credit Card Offer

Receive 400,000 bonus reward points, combined with a introductory rate on balance transfers for the first months. Plus, enjoy unlimited airport lounge access with Priority Pass.

  • $700 p.a. annual fee.
  • 20.99% p.a. on purchases
  • Cash advance rate of 21.74% p.a.
  • Up to 44 days interest free
  • Minimum income requirement of $150,000 p.a.
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Compare Citi Rewards credit cards

Rates last updated December 10th, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
Citi Prestige Card
400,000 bonus points
Citi Rewards Program
20.99% p.a.
$700 p.a.
Earn 20,000 monthly bonus points for 20 months (400,000 total). Plus, unlimited airport lounge access and free hotel stays.
Citi Signature Credit Card
300,000 bonus points
Citi Rewards Program
20.99% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 15,000 monthly bonus reward Points for 20 months (300,000 total), enjoy a 0% p.a. balance transfer offer, plus, a $195 first year annual fee.
Citi Signature Qantas Credit Card
50,000 bonus points
Qantas Frequent Flyer
20.99% p.a.
$248 p.a. annual fee for the first year ($444 p.a. thereafter)
Receive 50,000 bonus Qantas Points, 2 yearly airport lounge visits and complimentary travel insurance. Plus, a discounted first year annual fee.
Citi Rewards Classic Credit Card
Citi Rewards Program
20.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Receive 1 point per $1 spent on eligible purchases, up to $50 cashback when you meet the minimum spend and a 15 month balance transfer offer.
Citi Rewards Platinum Credit Card - Online Offer
Citi Rewards Program
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 24 month balance transfer offer, plus complimentary international travel insurance.
Citi Platinum Credit Card - Exclusive Offer
Citi Rewards Program
0% p.a. for 13 months (reverts to 20.99% p.a.)
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.

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Amy Bradney-George

Amy is a senior writer at with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

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