Rewards - Bonus Points Offer card image

Citi Rewards Credit Card (Bonus Points)

Advertiser disclosure
Purchase rate
0% p.a. for 6 months then 21.49% p.a.
Balance transfer rate
0% p.a. for 15 months and then 21.49% p.a.
Annual fees
$199 $99 in the first year
Interest free days on purchases
55

Mozo editorial review Citi Rewards Credit Card (Bonus Points) - last updated: 7 February 2024

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What's hot
  • 100,000 bonus points when you spend $5,000 within 90 days from card approval
  • 0% p.a. balance transfer rate for 15 months
What's not
  • High 21.49% p.a. retail purchase rate
  • Cash advance rate 22.24% p.a.
Mozo snapshot

Who doesn’t like getting extra rewards from using their credit card? The Citi Rewards Bonus Points Offer means you’ll be racking up flights and gift cards that make spending all the more rewarding. Choose the Bonus Points Offer on the Citi Rewards card and you can earn 100,000 bonus points when you spend $5,000 within 90 days from card approval.

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Key features

If you’re into earning extra rewards like free flights or cashback, then you’re in luck because that’s exactly what’s on offer with the Citi Rewards credit card. For every dollar you spend you’ll get 1 point, capped at 10,000 points per statement period. But, the good news for travellers and online shoppers is you can earn unlimited points on eligible international vendors.

By choosing the Citi Rewards Bonus Points Offer, you can earn 100,000 bonus points on the Citi Rewards card. How? Just spend $5,000 within 90 days from card approval.

You can also earn 1 point per $1 on regular spends, capped at $10,000 a month in Australia, or uncapped on international spends. Just keep an eye on the 3.40% foreign exchange margin.

Considering all that rewards value, the annual fee of $149 is fairly competitive, plus for the first year you’ll only pay $49.

Having your purchases instantly incur interest can be a tad confronting, so the up to 55 interest free days gives you that little breathing room. But if you do miss a payment you’ll be hit with a $30 late payment fee, so beware.

If you’re looking to clear some debt, this card also comes with a 0% balance transfer offer for 15 months. After that, the interest on any leftover balances reverts to the cash advance rate of 22.24% p.a., so make sure you pay off your balance before the interest free period ends. And keep in mind you won't get interest-free days on new purchases while you're using the balance transfer offer.

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Who is it good for

If you’re a big spender wanting to plump up your points stash and cash in on all the premium extras your heart desires, this card could be the perfect pick for you.

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Any catches

While additional cardholders are a great way to rack up extra points and you can have up to 4 of them, it’ll cost you $90 per extra card.

Rewards program details

Rates and fees information correct as at 29 March 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.

What your points get you
Fly Sydney to London return

299,000 points

Fly Sydney to Melbourne one-way

19,500 points

$100 Giftcard

20,900 points

$100 Cash

50,000 points

Points earning

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

Rewards scheme

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

Special offers

Receive 100,000 bonus Points when you spend $5,000 within the first 90 days from card approval.

Value of rewards points

Spend $50,000 (Mastercard)

Spend $20,900 (Mastercard)

Spend $19,500 (Mastercard)

Spend $299,000 (Mastercard)

at $10,000 monthly

Never

How do we calculate these points?

Rate and fee details

Rates

21.49% p.a.

0% p.a. for 6 months

0% p.a. for 15 months and then 21.49% p.a.

none

22.24% p.a.

55

Fees

$199.00

$99 in the first year

none

none

$30.00

3.5%, min $3.50

3.40%

$0.00

$7.00

$90.00

Features

$30.00

2.0

4

none

Payment options

Apple Pay, Samsung Pay

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Customer Reviews

How are Citi credit cards rated by the Mozo community?

Overall
Price
Features
Customer service
Convenience
Trust
Based on 1315 Citi credit card reviews

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