based on 1960 Citi banking product reviews as rated by Mozo community

Citi credit cards

Time to put a new piece of plastic in your wallet? Check out the credit card options on offer from Citi (formerly Citibank). Part of the Citigroup, and operating since 1985, Citi was one of the first foreign banks to start operation in Australia. And now, it's got a range of credit card options and also won two 2020 Mozo Experts Choice Awards. 

We’ve collected all the must-knows about Citi credit cards below to help you pick the right one.

What credit cards do Citi offer?

Rates and fees verified as correct at 03 December, 2021. Other information correct at the time of writing. Advertiser disclosure.

Low rate credit cards

Looking for a low rate credit card to help keep your interest payments down? If you sometimes get caught with a balance owing on your credit card at the end of your interest free period, a low rate card is the perfect way to minimise the damage that can do to your wallet. Check out Citis low rate option.

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

14.99% p.a.

0% p.a. for 36 months and then 22.24% p.a.

$99 $49 in the first 0 years

55

Low fee credit cards

On the other hand, if you pay your credit card balance off in full every month, without fail, finding a killer interest rate probably isn’t so important to you. Having a piece of plastic that won’t charge you massive annual fees, however, should be top priority. So take a look at the great no fee credit card option from Citi below:

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

21.49% p.a.

No current offer

$0

55

Rewards credit cards

If you’re credit card spending is all about earning rewards then check out the huge range of rewards options from Citi. You can choose a card that will earn you a bunch of different goodies, like gift cards, retail products and cashback, or one that funnels all those points straight into a frequent flyer program. The catch is, that like other rewards cards, these Citi credit cards will generally come with higher annual fees and interest rates in return for all the freebies on offer.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Mastercard, up to $3,000 per month, then
0.5 points per dollar on Mastercard, up to $10,000 per month

21.49% p.a.

0% p.a. for 9 months and then 22.24% p.a.

$299 $149 in the first year

1 point per dollar on Mastercard, uncapped

21.49% p.a.

0% p.a. for 6 months and then 22.24% p.a.

$300 $150 if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year

2 points per dollar on Mastercard, up to 200000 points per year

21.49% p.a.

0% p.a. for 6 months and then 22.24% p.a.

$300 $150 if you spend $48,000 on eligible purchases or cash advances in previous years., $150 in the first year

0.5 points per dollar on Visa, up to 100000 points per year

21.49% p.a.

0% p.a. for 6 months and then 22.24% p.a.

$350 $175 in the first year

1 point per dollar on Mastercard, uncapped

21.49% p.a.

0% p.a. for 6 months and then 22.24% p.a.

$700

1 point per dollar on Mastercard, up to $10,000 per month

0% p.a. for 14 months then 21.49% p.a.

0% p.a. for 14 months and then 22.24% p.a.

$149 $49 in the first year

1 point per dollar on Mastercard, up to $10,000 per month

21.49% p.a.

0% p.a. for 15 months and then 22.24% p.a.

$149 $49 in the first year

1 point per dollar on Visa, up to $10,000 per month

21.49% p.a.

0% p.a. for 15 months and then 22.24% p.a.

$149 $99 in the first year

1 point per dollar on Visa, up to $10,000 per month

21.49% p.a.

0% p.a. for 15 months and then 22.24% p.a. (1.00% balance transfer fee)

$149 $49 in the first year

1 point per dollar on Mastercard, up to $10,000 per month

21.49% p.a.

0% p.a. for 15 months and then 22.24% p.a.

$149 $49 in the first year

Prestige cards

If you want something a little fancy in your credit card experience, then check out the prestige cards on offer from Citi. These cards come with a hefty annual fee and interest rate, but in return, you’ll get some serious reward earning power, plus some cool freebies, like a concierge service and complimentary International Travel Insurance. When choosing a prestige credit card, just make sure you’ll use the perks enough to justify the high fees and interest.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

14.99% p.a.

0% p.a. for 36 months and then 22.24% p.a.

$99 $49 in the first 0 years

1 point per dollar on Mastercard, up to $3,000 per month, then
0.5 points per dollar on Mastercard, up to $10,000 per month

21.49% p.a.

0% p.a. for 9 months and then 22.24% p.a.

$299 $149 in the first year

1 point per dollar on Mastercard, uncapped

21.49% p.a.

0% p.a. for 6 months and then 22.24% p.a.

$300 $150 if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year

2 points per dollar on Mastercard, up to 200000 points per year

21.49% p.a.

0% p.a. for 6 months and then 22.24% p.a.

$300 $150 if you spend $48,000 on eligible purchases or cash advances in previous years., $150 in the first year

0.5 points per dollar on Visa, up to 100000 points per year

21.49% p.a.

0% p.a. for 6 months and then 22.24% p.a.

$350 $175 in the first year

1 point per dollar on Mastercard, uncapped

21.49% p.a.

0% p.a. for 6 months and then 22.24% p.a.

$700

1 point per dollar on Mastercard, up to $10,000 per month

0% p.a. for 14 months then 21.49% p.a.

0% p.a. for 14 months and then 22.24% p.a.

$149 $49 in the first year

1 point per dollar on Mastercard, up to $10,000 per month

21.49% p.a.

0% p.a. for 15 months and then 22.24% p.a.

$149 $49 in the first year

1 point per dollar on Visa, up to $10,000 per month

21.49% p.a.

0% p.a. for 15 months and then 22.24% p.a.

$149 $99 in the first year

1 point per dollar on Visa, up to $10,000 per month

21.49% p.a.

0% p.a. for 15 months and then 22.24% p.a. (1.00% balance transfer fee)

$149 $49 in the first year

1 point per dollar on Mastercard, up to $10,000 per month

21.49% p.a.

0% p.a. for 15 months and then 22.24% p.a.

$149 $49 in the first year

Frequent flyer credit cards

If you travel often for work or pleasure, a Citi Qantas card is a must-have. These cards are also prestige options, so they come with hefty annual fees and interest, but if you’re looking for a piece of plastic with all the perks, plus a direct link to your frequent flyer program, then look no further.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Mastercard, up to $3,000 per month, then
0.5 points per dollar on Mastercard, up to $10,000 per month

21.49% p.a.

0% p.a. for 9 months and then 22.24% p.a.

$299 $149 in the first year

0.5 points per dollar on Visa, up to 100000 points per year

21.49% p.a.

0% p.a. for 6 months and then 22.24% p.a.

$350 $175 in the first year

Frequently Asked Questions about Citi credit cards

How many interest free days will I get with a Citi credit card?

To help you spend in the most convenient way possible, Citi credit cards generally come with 55 interest free days. Understanding how this interest free period works is one of the most important parts of using your credit card wisely. The short version is: your interest free period begins at the start of your statement cycle, not when you make a purchase. So, if you buy something at the beginning of your statement you’ll have the whole interest free period to pay it off. If you buy it halfway through the statement cycle, you’ll only have half of your interest free days to pay it off.

What fees might I be charged?

If you want to carry a Citi credit card, you’ll have to budget for an annual fee, on all but the no-fee option. On some, you’ll also pay a fee for having additional cardholders, though not all the options charge for this. Other fees you might be up for include:

 - Cash advance fees for local and overseas transactions

 - International transaction fees

 - Qantas rewards fee if you want to join the Direct Earn rewards program

Check out our guide on how to avoid paying these fees.

What is the minimum monthly payment I must make on a Citi credit card?

Your minimum payment will depend on what balance you have owing on your Citi credit card. If your balance is $30 or less, then you’ll have to pay all of it as your minimum.

Otherwise, the minimum payment will usually be either $30 or 2% of your balance - whichever is more.

It’s always a good idea to pay your whole balance off if you can, to avoid fees and interest charges. For more info on how to minimise the penalties you pay on your credit card, check out our guide to managing your credit card balance.

Can I use PayPass or payWave with my Citi credit card?

Yes! Citi credit cards work on the  MasterCard network, depending on which card you opt for. That means you’ll be able to use PayPass or payWave anywhere in the world where these networks are in use.

Can I use my Citi credit card while I’m travelling overseas?

Yep! As mentioned above, your Citi credit card works on the MasterCard network, which are available all over the world. And as an added bonus, many premium Citi credit cards offer complimentary Travel Insurance to keep you covered on your trip. One thing you will have to look out for, however, are foreign transaction fees when you use your credit card overseas. A good alternative to using your credit card while you travel is a prepaid travel card.

What kind of insurance options does my Citi credit card offer?

Looking for a little extra cover to protect your credit card purchases? No sweat. Citi credit cards offer both:

Purchase cover insurance - If a purchase you make on your Citi credit card is lost, stolen or damaged within 90 days it will be repaired or replaced for free.

Guaranteed pricing insurance - Citi’s Guaranteed Pricing Scheme means that if you buy something on your credit card and later find it for a cheaper price, you can get a refund for the difference.

Most cards also come with extended warranty insurance, for up to 12 months. But some fine print to be aware of is that if the original warranty is for five years or more, the Citi warranty extension doesn’t apply.

Other insurances included with certain cards - usually premium options - include:

Complimentary International Travel Insurance

Transit accident insurance

Interstate flight inconvenience insurance

What rewards options do I have with my Citi rewards credit card?

If rewards points are your goal, then you’re on the right track with the Citi Rewards Program. You can earn points on most purchases, but depending on which card you opt for, you’ll earn a different amount of points per $1 you spend. 

Some cards do have point caps, tiered earning and expiry dates for points, so check out the product page for the one you’re interested in to check on these details. You can also take a look at our guide on calculating rewards points to be sure you’re getting the most bang for your reward buck.

What happens if I am the victim of credit card fraud?

No matter how you use your credit card, you should always be aware of the danger posed by credit card fraud. Citi offers a few different types of protection for your peace of mind, including:

FRAUDSHIELD - this is Citi’s transaction monitoring program, which will identify any irregular activity on your credit card, so the bank can let you know straight away.

Emergency Card Replacement - lost your card? Citi can usually replace it for free within 48 hours. If you’re overseas, you can report your lost card to any bank displaying MasterCard signs.

Credit Insurance - you can also opt for added credit card insurance with Citi’s CardAssure. This will incur an extra cost, but it covers outstanding balances on your credit card in case of things like unemployment, injury or illness.

How are Citi credit cards rated?

Mozo users have rated Citi credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of credit-cards
Citi credit cards
Overall
Price
Features
Customer service
Convenience
Trust

1299 Reviews

Recent Citi credit card reviews

Citi Credit Card
Overall 1/10
Avoid

CRAP! 22nd October I put in a application, its now 15th November and nothing....apparently my application was held up in a processing error, just not good enough the market is too competitive to accept this low level of customer service.

Read full review

CRAP! 22nd October I put in a application, its now 15th November and nothing....apparently my application was held up in a processing error, just not good enough the market is too competitive to accept this low level of customer service.

Price
5/10
Features
5/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Dean, Victoria, reviewed 16 days ago
Citi Credit Card
Overall 1/10
Lazy service and huge fees

Paid out & Closed my credit card two years and it’s still shows up as not closed. Citi Bank is the worst.

Read full review

Paid out & Closed my credit card two years and it’s still shows up as not closed. Citi Bank is the worst.

Price
1/10
Features
2/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Jesse, Western Australia, reviewed 24 days ago
Citi Credit Card
Overall 2/10
Credit card charged

I have started using CITI cash back credit card since 2017. They have told me that the card is absolutely free and no charges at all. Today they have charged AED 315 as membership fee. I was trying to call customer are to ask the explanation on this but more than 30 minutes I was listening their advertisement without answering anyone. Very poor customer care really. I'm going to cancel this card at very earliest.

Read full review

I have started using CITI cash back credit card since 2017. They have told me that the card is absolutely free and no charges at all. Today they have charged AED 315 as membership fee. I was trying to call customer are to ask the explanation on this but more than 30 minutes I was listening their advertisement without answering anyone. Very poor customer care really. I'm going to cancel this card at very earliest.

Price
5/10
Features
5/10
Customer service
1/10
Trust
6/10
Less
Abduljaleel, Tasmania, reviewed about 2 months ago
Citi Rewards Credit Card
Overall 9/10
All Good

All Good

Read full review

All Good

Price
9/10
Features
8/10
Customer service
9/10
Convenience
9/10
Trust
8/10
Less
Peter, Queensland, reviewed 3 months ago
Citi Rewards Credit Card
Overall 9/10
I am happy with my Citi bank credit card

Any 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 review

Any 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.

Price
9/10
Features
9/10
Customer service
10/10
Trust
9/10
Less
Janine, Victoria, reviewed 3 months ago

What do you need to apply for a Citi credit card?

Who can apply?

To apply for a Citi credit card, you should be:

What info do you need to apply for a Citi credit card?

  • Your personal contact details
  • Your employment details, including employers contact details
  • If you are self-employed, your accountant's details, including contact details
  • Your income and monthly expenses
  • If you’re looking for a balance transfer deal, you’ll need the details of your old account and card

What documents will I need?

  • Proof of employment - this could differ depending on what kind of employment you are in, but usually includes things like tax returns and pay slips.
  • A current driver’s license, or proof of address (e.g. a recent electricity bill)
  • Your passport (if you have an overseas passport, you’ll also need a copy of your visa) or Medicare card to confirm residency

For more information, check out our guide on applying for a credit card.

Credit card quick links