Choose the version of this credit card that suits you best
Name | Rewards program | |
---|---|---|
|
Rewards | Citi Rewards Program |
|
Rewards - flybuys Offer | Citi Rewards Program |
|
Rewards - Velocity Frequent Flyer Offer | Citi Rewards Program |
The Citi Rewards credit card has a relatively steep 21.49% p.a. purchase rate but rewards customers for using their card both in Australia and overseas. Plus, it comes with perks and limited-time offers, like interest-free periods on balance transfers and complimentary international travel insurance (T&Cs apply).
The Citi Rewards card offers customers a 21.49% p.a. purchase rate and up to 55 interest-free days on purchases (T&Cs apply). The card comes with a credit limit between $2,000 to $100,000, and there’s an annual fee of $199.
With Citi’s Rewards credit card, customers can earn 1 Citi reward Point for every $1 spent on eligible purchases (up to $10,000 per statement period) in Australia, or with overseas merchants and online stores (T&Cs apply).
You have the option to have up to 4 additional cardholders (over the age of 16) at a cost of $90 per card, annually. So, if you want to add one extra cardholder, like your partner, your annual fee will come to $289.
The cash advance rate on the Citi Rewards card sits at 22.24% p.a., which is an important number to remember if you’re considering Citi’s Premier Balance Transfer offer.
Balance Transfer offer
Pay 0% p.a. for 12 months when you transfer your balance to a Citi Rewards card. After the first 12 months, the interest charged on your balance transfer will revert to the cash advance rate of 22.24% p.a. There is no fee for balance transfers, but it’s important to note that balance transfers aren’t eligible for the 55-day interest-free period.
Citi Reward Points offer
You can earn a total of 100,000 bonus Citi Rewards Points when you spend $5,000 on eligible purchases within the first 90 days of approval (T&Cs apply, offer valid until 30 April 2024).
Also included in this offer, your first year’s annual fee is cut to $99, but reverts to $199 in subsequent years. Receive an introductory purchase rate of 0% p.a. for 6 months. Reverts to variable retail purchase rate. There’s a balance transfer available of 0% p.a. for 15 months with no balance transfer fee. Reverts to cash advance rate.
Flybuys Points offer
Receive 100,000 bonus Flybuys points when you spend $5,000 on eligible purchases within 90 days of approval (T&Cs apply, offer ends 30 April 2024).
With this offer, receive an introductory purchase rate of 0% p.a. for 6 months. Reverts to variable retail purchase rate.
Velocity Points offer
Receive 70,000 bonus Velocity Points when you spend $5,000 on eligible purchases within 90 of approval (T&Cs apply, offer ends 30 April 2024).
Balance transfer available of 0% p.a. for 6 months with no balance transfer fee. Reverts to cash advance rate.
The Citi Rewards credit card is good for people looking for a credit card that rewards them with points for everyday spending on eligible purchases.
Adding another cardholder incurs an additional $90 fee per cardholder, per year.
It’s also worth noting that if you take advantage of one offer, you may miss out on some other potential perks, so choose your Citi Rewards card offer wisely.
Rates and fees information correct as at 19 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
299,000 points
19,500 points
20,900 points
50,000 points
1 point per dollar on Mastercard, up to $10,000 per month
Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.
You can redeem flights via Velocity, Singapore Krisflyer, or Emirates Skywards.
Points uncapped for eligible international purchases.
Instant discounts via Citi World Privileges
Spend $50,000 (Mastercard)
Spend $20,900 (Mastercard)
Spend $19,500 (Mastercard)
Spend $299,000 (Mastercard)
at $10,000 monthly
Never
21.49% p.a. |
|
0% p.a. for 12 months |
|
0% p.a. for 12 months and then 22.24% p.a. |
|
yes |
|
22.24% p.a. |
|
55 |
$199.00 |
|
none |
|
none |
|
none |
|
$30.00 |
|
3.5%, min $3.50 |
|
3.40% |
|
$0.00 |
|
$7.00 |
|
$90.00 |
$30.00 |
|
2.0 |
|
4 |
|
none |
Apple Pay, Samsung Pay
Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection
Rates and fees information correct as at 19 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
299,000 points
19,500 points
20,900 points
50,000 points
1 point per dollar on Mastercard, up to $10,000 per month
Transfer points to a range of airline programs including flybuys or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.
You can redeem flights via Velocity, Singapore Krisflyer, or Emirates Skywards.
Points uncapped for eligible international purchases.
Instant discounts via Citi World Privileges
Earn 100,000 bonus flybuys points when $5,000 or more is spent on eligible transactions for the first 90 days.
Spend $50,000 (Mastercard)
Spend $20,900 (Mastercard)
Spend $19,500 (Mastercard)
Spend $299,000 (Mastercard)
at $10,000 monthly
Never
21.49% p.a. |
|
0% p.a. for 6 months |
|
No current offer |
|
yes |
|
22.24% p.a. |
|
55 |
$199.00 |
|
none |
|
none |
|
none |
|
$30.00 |
|
3.5%, min $3.50 |
|
3.40% |
|
$0.00 |
|
$7.00 |
|
$90.00 |
$30.00 |
|
2.0 |
|
4 |
|
none |
Apple Pay, Samsung Pay
Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection
Rates and fees information correct as at 19 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
299,000 points
19,500 points
20,900 points
50,000 points
1 point per dollar on Mastercard, up to $10,000 per month
Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.
You can redeem flights via Velocity, Singapore Krisflyer, or Emirates Skywards.
Points uncapped for eligible international purchases.
Receive two complimentary airport lounge visits every year when you enrol in Priority Pass.
Receive 80,000 bonus Velocity Points when you spend $5,000 within 90 days from card approval. Offer available until 30 April 2024.
Spend $50,000 (Mastercard)
Spend $20,900 (Mastercard)
Spend $19,500 (Mastercard)
Spend $299,000 (Mastercard)
at $10,000 monthly
Never
21.49% p.a. |
|
none |
|
0% p.a. for 6 months and then 22.24% p.a. |
|
yes |
|
22.24% p.a. |
|
55 |
$199.00 |
|
none |
|
none |
|
none |
|
$30.00 |
|
3.5%, min $3.50 |
|
3.40% |
|
$0.00 |
|
$7.00 |
|
$90.00 |
$30.00 |
|
2.0 |
|
4 |
|
none |
Apple Pay, Samsung Pay
Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection
Excellent customer service and rewards program been with Citi for over 20 years
Read full reviewExcellent customer service and rewards program been with Citi for over 20 years
Citi locked my account as I was leaving on vacation. Security is out to lunch.
Read full reviewCiti locked my account as I was leaving on vacation. Security is out to lunch.
All Good
Read full reviewAny problems are dealt with quickly and efficiently. Although the operators are overseas I am happy with their service. This also gives the OS operators an income which helps them in these difficult times.
Read full reviewAny problems are dealt with quickly and efficiently. Although the operators are overseas I am happy with their service. This also gives the OS operators an income which helps them in these difficult times.
There were times I forgot to pay my cc dues on the day itself and I pay the next day. I ask their customer service if they could waive it but they don't want to adjust. It's only a day late. It's fine with me by then. Now, because I wont be able to pay dues on the due date at July 2. I am just asking for July 3 but they won't allow. How are they very strict! They are very strict and does not also allow waving of fees, any fees at all even though you don't default and is a good payer. I may have been late about 3 times only for the past 4 years and its one day late every time but they charge me for all of that. They are very strict, no leniency and charge very high fees! That is why even they always call me to avail their financial services I decline as their fees are to the extreme! I am cancelling my card for good. It only cost me so much having this card, even their annual fees so expensive. They are not pro-consumer but pro-self. Anyways its a bank, it will get your money as they can, its not a service to the customer but to their self. A selfish institution.
Read full reviewThere were times I forgot to pay my cc dues on the day itself and I pay the next day. I ask their customer service if they could waive it but they don't want to adjust. It's only a day late. It's fine with me by then. Now, because I wont be able to pay dues on the due date at July 2. I am just asking for July 3 but they won't allow. How are they very strict! They are very strict and does not also allow waving of fees, any fees at all even though you don't default and is a good payer. I may have been late about 3 times only for the past 4 years and its one day late every time but they charge me for all of that. They are very strict, no leniency and charge very high fees! That is why even they always call me to avail their financial services I decline as their fees are to the extreme! I am cancelling my card for good. It only cost me so much having this card, even their annual fees so expensive. They are not pro-consumer but pro-self. Anyways its a bank, it will get your money as they can, its not a service to the customer but to their self. A selfish institution.
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
Explorer Credit Card
23.99% p.a.
No current offer
$395
Membership Rewards
Velocity Platinum Card
23.99% p.a.
No current offer
$375
Velocity Frequent Flyer
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Qantas Discovery Card
23.99% p.a.
No current offer
$0
Qantas Frequent Flyer
Velocity Escape Card
23.99% p.a.
No current offer
$0
Velocity Frequent Flyer
Qantas Ultimate Card
Qantas Frequent Flyer
$450
60,000
1.25 points up to 100,000 points/year, then
1 point uncapped
Platinum Visa Credit Card
Qantas Frequent Flyer
$299
50,000
1 point up to 20,000 points/month
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250 $150 in the first year
70,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Qantas Premium Card
Qantas Frequent Flyer
$249
20,000
1 point uncapped
Rewards Signature Card
NAB Rewards
$295 $145 in the first year
160,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Low Rate Card
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
13.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
Blue Visa Credit Card
0% p.a. for 9 months and then 21.74% p.a.
0% p.a. for 9 months then 20.74% p.a.
$60
Q Rewards
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 24 months and then 20.99% p.a.
20.74% p.a.
$149 $0 in the first year
Velocity Frequent Flyer
More Mastercard
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$100
Bankwest More Rewards
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year