Citi credit cards

Citi
Citi's overall rating for credit cards

(as rated by the Mozo community)

5.2 / 10

based on 1249 reviews

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 11 December, 2018. Other information correct at the time of writing.

What credit cards do Citi offer?

Low rate credit cards 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

12.99% p.a.

0% p.a. for 14 months and then 21.74% p.a.

$99 $0 in the first year

55


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Low fee credit cards 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

19.99% p.a.

0% p.a. for 6 months and then 19.99% p.a.

$0

55


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Rewards credit cards 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 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 year

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

20.99% p.a.

0% p.a. for 9 months and then 21.74% p.a.

$299 $149 in the first 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 year

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

20.99% p.a.

0% p.a. for 12 months and then 21.74% p.a.

$149 50% off annual fee when you spend $24,000 in the preceding year., $49 in the first year

1 point per dollar on Visa, uncapped

20.99% p.a.

No current offer

$700

0.5 points per dollar on Visa, uncapped

20.99% p.a.

No current offer

$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 year

1 point per dollar on Visa, uncapped

20.99% p.a.

0% p.a. for 12 months and then 21.74% p.a.

$395 50% off annual fee when you spend $48,000 in the preceding year., $195 in the first year


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Prestige cards 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 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

12.99% p.a.

0% p.a. for 14 months and then 21.74% p.a.

$99 $0 in the first year

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

20.99% p.a.

0% p.a. for 9 months and then 21.74% p.a.

$299 $149 in the first 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 year

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

20.99% p.a.

0% p.a. for 12 months and then 21.74% p.a.

$149 50% off annual fee when you spend $24,000 in the preceding year., $49 in the first year

1 point per dollar on Visa, uncapped

20.99% p.a.

No current offer

$700

0.5 points per dollar on Visa, uncapped

20.99% p.a.

No current offer

$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 year

1 point per dollar on Visa, uncapped

20.99% p.a.

0% p.a. for 12 months and then 21.74% p.a.

$395 50% off annual fee when you spend $48,000 in the preceding year., $195 in the first year


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Frequent flyer credit cards 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

20.99% p.a.

0% p.a. for 9 months and then 21.74% p.a.

$299 $149 in the first year

0.5 points per dollar on Visa, uncapped

20.99% p.a.

No current offer

$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 year


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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

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 you’re 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 either the VISA and 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 either the VISA or 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 a competitive rewards card from Citi. 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. Check out the table below for a breakdown:

CardNumber of points per $1 spent locallyNumber of points per $1 spent internationally
Citi Signature1.5 points4 points
Citi Prestige2 points5 points
Citi Classic1 point1 point
Citi Gold Credit Card1 point1 point
Citi Platinum1.25 points3 points

Some cards do have point caps 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 VISA or 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.

Citi credit cards

Overall 5.2

Price

Features

Customer service

Convenience

Trust

1241 Reviews

Recent Citi credit card reviews Recent Citi credit card reviews

Citi

Citi Platinum (Bonus Points Offer) credit card review

Overall rating   0 / 10

They don't listen when something goes wrong

Citi are like most other banks, they charge too much interest on credit but they do remind you if you are late.....usually. Where they fall down is when you want to leave. I finally paid mine off & left a credit in the account & requested it to...

Full review

Citi are like most other banks, they charge too much interest on credit but they do remind you if you are late.....usually. Where they fall down is when you want to leave. I finally paid mine off & left a credit in the account & requested it to be closed, this didn't occur so the account was hit with an annual fee which I didn't realise for months as I never looked at the account, I received no calls to say anything was wrong until much later when there were also late payment fees. The account was now hundreds overdrawn so I told them what happened, requested it all be reversed & the account closed, not to call me but email for anything. The calls started coming thick & fast & I refused to answer but no emails were received. The same thing happened with my NAB credit card but NAB immediately reversed everything, closed the account & apologised but Citi just kept calling. I kept refusing to answer & kept emailing them with the same request to stop calling, reverse everything & email me. Multiple requests later & they are still not responding apart from the phone calls so I'll be making a formal complaint to the Australian Financial Complaints Authority (AFCA).

    Price   3 / 10

    Features   3 / 10

    Customer service   6 / 10

    Convenience   6 / 10

    Trust   0 / 10

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Barry, South Australia, reviewed about 1 month ago

Citi

Citi credit card review

Overall rating   10 / 10

Never had an issue, great customer service

Never had an issue with them. Sometimes late with repayments but I always am able to organise with customer service. Great friendly staff.

Full review

Never had an issue with them. Sometimes late with repayments but I always am able to organise with customer service. Great friendly staff.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Loree, Queensland, reviewed 11 months ago

Citi

Citi credit card review

Overall rating   10 / 10

No bank can compare to Citi

Citi are customer focused and deliver what they promise. Nothing is too much trouble. They are second to none. Thats why they are the only bank I have ever used as my Credit Card financial team.

Full review

Citi are customer focused and deliver what they promise. Nothing is too much trouble. They are second to none. Thats why they are the only bank I have ever used as my Credit Card financial team.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Karen, Tasmania, reviewed 12 months ago

Citi

Citi Clear Platinum credit card review

Overall rating   8 / 10

Been with them for a long time

I am not fully happy with them

Full review

I am not fully happy with them

    Price   9 / 10

Less

Leo, Queensland, reviewed over 1 year ago

Citi

Citi Classic credit card review

Overall rating   10 / 10

Over the phone customer service is so helpful

For many years, this bank has looked after me. They have provided good documentation, rapid service and a cheerful outlook.

Full review

For many years, this bank has looked after me. They have provided good documentation, rapid service and a cheerful outlook.

    Price   9 / 10

Less

Louise, Tasmania, reviewed over 1 year ago

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

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