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. With one of these flexible cards, you can shop online, or anywhere around the world.
We’ve collected all the must-knows about Citi credit cards below to help you pick the right one.
Rates and fees verified as correct at 23 July, 2017. Other information correct at the time of writing.
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 |
|---|---|---|---|---|
| 14.99% p.a. |
| $99 | 55 |
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 |
|---|---|---|---|---|
| 19.99% p.a. | 0% p.a. for 6 months | $0 | 55 |
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 Visa, up to $5,000 per month | 20.99% p.a. | 0% p.a. for 15 months and then 21.74% p.a. (1.50% balance transfer fee) | $99 $49 in the first 1 year | |
| 1 point per dollar on MasterCard, up to $3,000 per month, then | 20.99% p.a. | 0% p.a. for 9 months and then 21.74% p.a. | $299 $149 in the first 1 year | |
| 1 point per dollar on Visa, up to $10,000 per month | 20.99% p.a. | 0% p.a. for 24 months and then 21.74% p.a. (1.50% balance transfer fee) | $149 $49 in the first 1 year | |
| 1 point per dollar on Visa, uncapped | 20.99% p.a. | 0% p.a. for 6 months and then 21.74% p.a. | $700 | |
| 0.5 points per dollar on Visa, uncapped | 20.99% p.a. | 0% p.a. for 6 months and then 21.74% p.a. | $749 | |
| 0.5 points per dollar on Visa, up to $20,000 per month | 20.99% p.a. | 0% p.a. for 6 months and then 21.74% p.a. | $444 $248 in the first 1 year | |
| 1 point per dollar on Visa, uncapped | 20.99% p.a. | 0% p.a. for 6 months and then 21.74% p.a. | $395 $199 in the first 1 year |
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 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. |
| $99 | |
| 1 point per dollar on MasterCard, up to $3,000 per month, then | 20.99% p.a. | 0% p.a. for 9 months and then 21.74% p.a. | $299 $149 in the first 1 year | |
| 1 point per dollar on Visa, up to $10,000 per month | 20.99% p.a. | 0% p.a. for 24 months and then 21.74% p.a. (1.50% balance transfer fee) | $149 $49 in the first 1 year | |
| 1 point per dollar on Visa, uncapped | 20.99% p.a. | 0% p.a. for 6 months and then 21.74% p.a. | $700 | |
| 0.5 points per dollar on Visa, uncapped | 20.99% p.a. | 0% p.a. for 6 months and then 21.74% p.a. | $749 | |
| 0.5 points per dollar on Visa, up to $20,000 per month | 20.99% p.a. | 0% p.a. for 6 months and then 21.74% p.a. | $444 $248 in the first 1 year | |
| 1 point per dollar on Visa, uncapped | 20.99% p.a. | 0% p.a. for 6 months and then 21.74% p.a. | $395 $199 in the first 1 year |
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 | 20.99% p.a. | 0% p.a. for 9 months and then 21.74% p.a. | $299 $149 in the first 1 year | |
| 0.5 points per dollar on Visa, uncapped | 20.99% p.a. | 0% p.a. for 6 months and then 21.74% p.a. | $749 | |
| 0.5 points per dollar on Visa, up to $20,000 per month | 20.99% p.a. | 0% p.a. for 6 months and then 21.74% p.a. | $444 $248 in the first 1 year |
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.
* Overall rating based on reviews in the past 12 months.
For many years, this bank has looked after me. They have provided good documentation, rapid service and a cheerful outlook.
For many years, this bank has looked after me. They have provided good documentation, rapid service and a cheerful outlook.
Louise (TAS), reviewed 19 days ago
Citibank tend to hardly be helpful with requests when requested. They lack care regarding my financial situation.
Citibank tend to hardly be helpful with requests when requested. They lack care regarding my financial situation.
Paul (NSW), reviewed 6 months ago
Citibank's customer service is fantastic. I like that they listen to your needs and actual staff members talk to you rather than a robot when dealing with complex issues. Staff are more than happy to help and are courteous with all dealings.
Citibank's customer service is fantastic. I like that they listen to your needs and actual staff members talk to you rather than a robot when dealing with complex issues. Staff are more than happy to help and are courteous with all dealings.
Sharon (VIC), reviewed 6 months ago
High interest rates and their membership fee is too expensive.
High interest rates and their membership fee is too expensive.
Ophelia (NSW), reviewed 6 months ago
I enjoy the fact that there are no annual fees. Customer service is also pretty good.
I enjoy the fact that there are no annual fees. Customer service is also pretty good.
Elsie (VIC), reviewed 7 months ago
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† Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.
To apply for a Citi credit card, you should be:
For more information, check out our guide on applying for a credit card.
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