Citi Classic

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

Citi Rewards

Citi Classic

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

Citi Rewards

Mozo Review   Citi Classic Review

Last updated: 30 July 2019.

What's hot:
  • 5% cashback (for first $1,000 spent on the card)

  • 0% balance transfer rate for first 15 months (1.50% balance transfer fee)

  • $49 annual fee in first year ($99 after)

What's not:
  • High 20.99% purchase rate

Mozo snapshot:

The Citi Classic credit card comes with a rewards program that has cash back, gift card and even free wine rewards up for grab. Other features such as a $49 annual fee in the first year, the 55 interest free days and possibilities for additional cardholders round out a pretty competitive offer. However if you tend to carry a balance from month-to-month, beware the high 20.99% purchase rate.

Key features:

The Citi Classic card is more than just your standard piece of plastic, and comes with a rewards program that lets you score free retail goods, as well other perks.

When it comes to earning points, every $1 you spend equals 1 rewards point, but remember that this is capped at $5,000 per month. But if you’re worried about a limited timeline for cashing in these rewards, don’t be! Your points never expire.

For the first 90 days you can also claim 5% cashback on up to $1,000 spent on the card, and if you’re out for dinner, make sure to check if you can pick up a free wine through the Citibank Dining Program.

The card also comes with a decent $99 annual fee that is only $49 in the first year; cutting down the costs when you first pick up the card.

The 55 interest days this card provides gives you a little bit more breathing room when it comes to paying back your plastic purchases. Just as the availability for 4 additional cardholders give you a bit more freedom in how many people you want on the same account.

Finally, if you're looking to rid yourself of a lingering balance, this card comes with a 0% balance transfer rate for first 15 months (1.50% balance transfer fee). Just remember that no interest free days apply to new retail purchases while you have a balance transfer.

Who it's good for:

The extra rewards and high purchase rate make this card best for someone who is always going to make sure they pay off their debts, while also looking for a couple extra bonuses.

Any catches?

The Citi Platinum comes with a fairly high interest rate of 20.99%, which could spell trouble for cardholder who tend to carry a balance.

Rewards program details

Rates and fees information correct as at 17 August 2019. 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.
What your points get you

Fly Sydney to London return

-

Fly Sydney to Melbourne one-way

-

$100 Giftcard

20,900 points

$100 Cash

40,000 points

Points earning

1 point per dollar on Visa, up to $5,000 per month

Rewards scheme

Redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.

Bonus points available at over 220 partner merchants.

Instant discounts via Citi World Privileges

Value of rewards points

Spend $40,000 (Visa)

Spend $20,900 (Visa)

at $5,000 monthly

Never

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates
  • 20.99% p.a.

  • none

  • 0% p.a. for 15 months and then 21.74% p.a. (1.50% balance transfer fee)

  • yes

  • 21.74% p.a.

  • 55

Fees
  • $99.00

  • $49 in the first 1 year

  • none

  • none

  • $30.00

  • 3.5%, min $3.50

  • 3.40%

  • $0.00

  • $7.00

  • $15.00

Features
  • $30.00

  • 2.0

  • 4

  • none

Payment options

Apple Pay, Samsung Pay

Rewards privileges

Purchase Protection

Other benefits

Free wine every time you dine with the Citibank Dining Program when you pay with your Citi Credit Card; 5% cashback on up to $1000 spend within 90 days of approval.

Customer Reviews

How are Citi credit cards rated by the Mozo community?

Overall customer rating
5.2/10

Based on 1249 Citi credit card reviews

Price
4.8/10
Features
5.5/10
Customer service
4.9/10
Convenience
5.0/10
Trust
5.2/10

Latest reviews of Citi Classic

  • Overall
    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...

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

    Price
    9/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    Louise | Tasmania

    reviewed about 2 years ago

  • Overall
    7/10
    Customer service is excellent

    They are on the ball with security. They call quickly if there has been any suspicious activity...

    They are on the ball with security. They call quickly if there has been any suspicious activity on my account. They send a text message when every transaction over $100 takes place within 60 seconds of it happening.

    Price
    8/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    2/10
    Trust
    8/10

    Karen | Queensland

    reviewed over 3 years ago

  • Overall
    7/10
    Great customer service and good rates

    Bank has a great rate and good phone service. The extended time it takes to pay is where the...

    Bank has a great rate and good phone service. The extended time it takes to pay is where the interest gets extremely expensive, although communication is good and they disclose everything in clear concise manner.

    Price
    5/10
    Features
    6/10
    Customer service
    8/10
    Convenience
    0/10
    Trust
    6/10

    Aleksandra | New South Wales

    reviewed over 3 years ago

  • Overall
    9/10
    Great as a travel card with no hidden costs

    Fantastic as a travel card overseas. Only pay the ATM fee of the overseas ATM and no annual fee...

    Fantastic as a travel card overseas. Only pay the ATM fee of the overseas ATM and no annual fee to have the card. Was really happy with it when I used it for my overseas trip.

    Price
    8/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10

    Laura | Australian Capital Territory

    reviewed over 3 years ago

  • Overall
    9/10
    Wonderful customer service

    Extremely happy with this bank.. Always happy to listen and help anyway.

    Extremely happy with this bank.. Always happy to listen and help anyway.

    Price
    8/10
    Features
    7/10
    Customer service
    8/10
    Convenience
    9/10
    Trust
    9/10

    Ann | New South Wales

    reviewed almost 4 years ago

Citi

About Citi

Citi is the consumer banking arm of Citigroup, one of the world's biggest financial institutions. Citi was the first foreign bank to be granted a banking licence to operate in Australia. Citi is now the largest international bank in the country, serving millions of Australians with credit cards, mortgages, deposit accounts, charge cards and more.

See Citi credit cards

Promoted

Qantas Money

Qantas Money

Qantas Premier Everyday

0% p.a. for 12 months and then 21.99% p.a.

19.99% p.a.

$49 $29 in the first year

Promoted

28 Degrees

28 Degrees

Platinum Mastercard

No current offer

21.99% p.a.

$0

Promoted

CUA

CUA

Low Rate Credit Card

0% p.a. for 13 months and then 21.74% p.a.

11.99% p.a.

$49 $0 in the first year

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Bonus Points Offer

0% p.a. for 18 months and then 20.99% p.a.

20.74% p.a.

$129 $64 in the first year

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a.

19.99% p.a.

$299 $199 in the first year

Promoted

HSBC

HSBC

Platinum Credit Card (Special Offer)

0% p.a. for 22 months and then 21.99% p.a.

0% p.a. for 12 months then 19.99% p.a.

$129 Refunded when you spend over $6,000 p.a

Promoted

Bankwest

Bankwest

Qantas Platinum Mastercard

2.99% p.a. for 9 months and then 20.49% p.a.

20.49% p.a.

$160 $80 in the first year

Promoted

Heritage Bank

Heritage Bank

Gold Low Rate

No current offer

11.55% p.a.

$0

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

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

19.99% p.a.

$299 $199 in the first year

Promoted

CUA

CUA

Platinum Credit Card

1 point per dollar on Mastercard, up to 100000 points per year

19.99% p.a.

$149 $0 in the first year

Promoted

Qantas Money

Qantas Money

Qantas Premier Everyday

0.75 points per dollar on Mastercard, up to $3,000 per month, then
0.4 points per dollar on Mastercard, uncapped

19.99% p.a.

$49 $29 in the first year

Promoted

Suncorp

Suncorp

Clear Options Platinum

1.25 points per dollar on Visa, uncapped

20.74% p.a.

$129 $49 in the first year

Promoted

HSBC

HSBC

Platinum Credit Card (Special Offer)

1 point per dollar on Visa, up to 10000 points per month

19.99% p.a.

$129 Refunded when you spend over $6,000 p.a

Promoted

American Express

American Express

Velocity Escape Card

0.75 points per dollar on Amex, uncapped

20.74% p.a.

$0

Promoted

Bankwest

Bankwest

Qantas Platinum Mastercard

0.75 points per dollar on Mastercard, up to $2,500 per month, then
0.3 points per dollar on Mastercard, uncapped

20.49% p.a.

$160 $80 in the first year

Promoted

Heritage Bank

Heritage Bank

Platinum

0.002 points per dollar on Visa, uncapped

17.74% p.a.

$125 $0 when you spend over $35,000 p.a

Promoted

Qantas Money

Qantas Money

Qantas Premier Everyday

0% p.a. for 12 months and then 21.99% p.a.

$49 $29 in the first year

19.99% p.a.

Promoted

Suncorp

Suncorp

Clear Options Platinum

0% p.a. for 14 months and then 21.99% p.a.

$129 $49 in the first year

0% p.a. for 14 months then 20.74% p.a.

Promoted

CUA

CUA

Low Rate Credit Card

0% p.a. for 13 months and then 21.74% p.a.

$49 $0 in the first year

11.99% p.a.

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a.

$299 $199 in the first year

19.99% p.a.

Promoted

HSBC

HSBC

Platinum Qantas Credit Card

0% p.a. for 12 months and then 21.99% p.a.

$79 $0 in the first year

19.99% p.a.

Promoted

American Express

American Express

Platinum Edge Credit Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$195

20.74% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Ongoing Annual Fee Offer

0% p.a. for 18 months and then 20.99% p.a.

$50

20.74% p.a.

Promoted

HSBC

HSBC

Platinum Credit Card

0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee)

$129 Refunded when you spend over $6,000 p.a

0% p.a. for 12 months then 19.99% p.a.

Promoted

CUA

CUA

Low Rate Credit Card

11.99% p.a.

$49 $0 in the first year

0% p.a. for 13 months and then 21.74% p.a.

Promoted

Heritage Bank

Heritage Bank

Gold Low Rate

11.55% p.a.

$0

No current offer

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

$129 $64 in the first year

0% p.a. for 6 months and then 20.99% p.a.

Promoted

Latitude

Latitude

Low Rate Mastercard

11.99% p.a.

$69

No current offer

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months then 13.99% p.a.

$59

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

Promoted

Qantas Money

Qantas Money

Qantas Premier Everyday

19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a.

$49 $29 in the first year

Promoted

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 13 months and then 21.74% p.a.

$49 $0 in the first year

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Bonus Points Offer

20.74% p.a.

0% p.a. for 18 months and then 20.99% p.a.

$129 $64 in the first year

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

19.99% p.a.

0% p.a. for 18 months and then 21.99% p.a.

$299 $199 in the first year

Promoted

HSBC

HSBC

Platinum Credit Card (Special Offer)

0% p.a. for 12 months then 19.99% p.a.

0% p.a. for 22 months and then 21.99% p.a.

$129 Refunded when you spend over $6,000 p.a

Promoted

Bankwest

Bankwest

Qantas Platinum Mastercard

20.49% p.a.

2.99% p.a. for 9 months and then 20.49% p.a.

$160 $80 in the first year

Promoted

Heritage Bank

Heritage Bank

Gold Low Rate

11.55% p.a.

No current offer

$0

Promoted

Suncorp

Suncorp

Clear Options Platinum

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 14 months and then 21.99% p.a.

$129 $49 in the first year