Choose the version of this credit card that suits you best
Name | Rewards program | |
---|---|---|
|
Premier | Citi Rewards Program |
|
Premier Qantas Credit Card | Qantas Frequent Flyer |
|
Premier - Luxury Escapes Gift Card Offer | Citi Rewards Program |
|
Premier - Cashback Offer | Citi Rewards Program |
|
Premier - Velocity Offer | Citi Rewards Program |
The Citi Premier credit card won a 2023 Mozo Experts Choice Award^ for its distinction as a Premium Rewards Credit Card.
While the 21.49% p.a. purchase rate could be considered steep, the Citi Premier credit card can come with some attractive offers. Check out some of the latest deals below.
The Citi Premier card offers customers a 21.49% p.a. purchase rate and 55 interest-free days on purchases (T&Cs apply). The card comes with a credit limit between $10,000 to $100,000, and you have the option to add up to 4 additional cardholders (over the age of 16) at no extra cost.
As far as fees go, there’s an annual fee of $300 per year (or $350 if choosing to earn Qantas Points with this credit card). Fee may change subject to the offer chosen by a customer, terms and conditions apply. The annual fee is reduced to $150 for the first year (and each subsequent year) if you spend $48,000 on eligible purchases or cash advances in the previous year (T&Cs apply).
The cash advance rate on the Citi Premier card sits at 22.24% p.a., which is an important number to remember if you’re considering Citi’s Premier Balance Transfer offer.
Bonus Points offer
Right now, you can score 200,000 bonus Citi rewards points when you spend $7,000 on eligible purchases within 90 days of approval, and keep your card for a year (T&Cs apply). Be aware that there’s a 200,000-point cap on the number of points you can accrue each year, so you may not earn any points for the first 12 months on top of this offer.
When you choose this offer, your annual fee is reduced to $150 in the first year, and each subsequent year if you spend $48,000 on eligible purchases or cash advances in the previous year.
It also comes with a balance transfer offer of 0% p.a. for 6 months with no balance transfer fee (T&Cs apply). Reverts to cash advance rate after 6 month period. Interest free days do not apply with a balance transfer.
Cashback offer
Customers using Apple Pay, or another eligible digital wallet, to make purchases with their digital Citi Premier credit card could get up to $600 cashback by spending $2,000 on eligible purchases within 90 days of card approval (T&Cs apply).
If you choose the cashback offer, the annual fee is $300 in the first year, but is reduced to $150 for each subsequent year if you spend $48,000 on eligible purchases or cash advances in the previous year (T&Cs apply).
You can also take advantage of a balance transfer offer of 0% p.a. for 6 months with no balance transfer fee (T&Cs apply). Reverts to cash advance rate after 6 month period. Interest free days do not apply with a balance transfer.
Qantas Points offer
Right now, you can score 100,000 bonus Qantas Points as an option with this credit card: 50,000 bonus points when you spend $6,000 on eligible purchases within 90 days from approval and 20,000 bonus points when you keep your card for over 12 months (T&Cs apply). Be aware that there’s a 100,000-point cap on the number of Qantas points you can accrue each year, so you may not earn any points for the first 12 months on top of this offer.
The annual fee is $350 in the first year. $175 in subsequent years if you spend $48,000 or more on eligible purchases or cash advances in the previous year, otherwise it stays at $350.
Velocity Points offer
You can score 100,000 bonus Velocity points when you spend $8,000 on eligible purchases within 90 days of approval, and keep your card for a year (T&Cs apply).
With this offer, the annual fee is $300 in the first year, but is reduced to $150 for each subsequent year if you spend $48,000 on eligible purchases or cash advances in the previous year (T&Cs apply).
Luxury Escapes offer
Right now, you can score a $750 Luxury Escapes voucher when you spend $7,000 on eligible purchases within 90 days of approval, and keep your card for a year (T&Cs apply). Apply before 30 April 2024.
With the Luxury Escapes offer, the annual fee is reduced to $150 in the first year, and each subsequent year if you spend $48,000 on eligible purchases or cash advances in the previous year.
It also comes with a balance transfer offer of 0% p.a. for 6 months with no balance transfer fee (T&Cs apply). Reverts to cash advance rate after 6 month period. Interest free days do not apply with a balance transfer.
The Citi Premier card is good for those earning over $75,000 per year, who want a credit card that boasts a range of offers and rewards points.
Get into the habit of paying your balance off in full each month or you'll be paying a high 21.49% p.a. purchase rate.
Customers must meet the minimum spend requirement of $48,000 per year in order to qualify for the reduced annual fee of $150 ($175 for Qantas Points), as opposed to the standard annual fee of $300 ($350 for Qantas Points).
There are also a variety of other fees to be aware of, including, but not limited to, a $30 late payment fee and a cash advance fee of 3.5% or $3.50% (whichever is higher).
Rates and fees information correct as at 3 May 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.
299,000 points
19,500 points
20,900 points
50,000 points
1 point per dollar on Mastercard, up to 200000 points per year
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.
2 Points per $1 for eligible transactions made online. 2 Points per $1 for eligible international spend. Up to 200,000 Points over a 12 month period.
Receive two complimentary airport lounge visits every year when you enrol in Priority Pass.
Earn 150,000 bonus Citi Points when you spend $7,000 on eligible purchases within 90 days of approval and an additional 50,000 Points when you keep your card for over 12 months.
Spend $50,000 (Mastercard)
Spend $20,900 (Mastercard)
Spend $19,500 (Mastercard)
Spend $299,000 (Mastercard)
at 200,000 points yearly
Never
21.49% p.a. |
|
none |
|
0% p.a. for 6 months and then 22.24% p.a. |
|
yes |
|
22.24% p.a. |
|
55 |
$300.00 |
|
$150 in the first year |
|
$48,000.00 |
|
none |
|
$30.00 |
|
3.5%, min $3.50 |
|
3.40% |
|
$0.00 |
|
$7.00 |
|
$0.00 |
$30.00 |
|
2.0 |
|
4 |
|
none |
Apple Pay, Samsung Pay
Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection
Rates and fees information correct as at 3 May 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.
110,400 points
8,000 points
20,010 points
-
0.5 points per dollar on Mastercard, up to 100000 points per year
Points are automatically credited to the Qantas Frequent Flyer program.
All rewards are redeemed via Qantas Frequent Flyer
1 Qantas Point per $1 for eligible online and International Spending. 0.5 Points per $1 domestic spend. Capped at 100,000 points per 12 month spend.
Receive two complimentary airport lounge visits every year when you enrol in Priority Pass.
Receive 50,000 bonus points when you spend $6,000 on eligible purchases within 90 days from approval and 20,000 bonus points when you keep your card for over 12 months.
Spend $40,020 (Mastercard)
Spend $16,000 (Mastercard)
Spend $220,800 (Mastercard)
at 100,000 points yearly
Never
21.49% p.a. |
|
none |
|
No current offer |
|
yes |
|
22.24% p.a. |
|
55 |
$350.00 |
|
none |
|
$48,000.00 |
|
none |
|
$30.00 |
|
3.5%, min $3.50 |
|
3.40% |
|
$0.00 |
|
$7.00 |
|
$0.00 |
$30.00 |
|
2.0 |
|
4 |
|
none |
Apple Pay, Samsung Pay
Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection
Rates and fees information correct as at 3 May 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.
299,000 points
19,500 points
20,900 points
50,000 points
1 point per dollar on Mastercard, up to 200000 points per year
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.
2 Points per $1 for eligible transactions made online and international transactions, up to 200,000 Points over a 12 month period.
Spend $50,000 (Mastercard)
Spend $20,900 (Mastercard)
Spend $19,500 (Mastercard)
Spend $299,000 (Mastercard)
at 200,000 points yearly
Never
21.49% p.a. |
|
none |
|
0% p.a. for 6 months and then 22.24% p.a. |
|
yes |
|
22.24% p.a. |
|
55 |
$300.00 |
|
$150 in the first year |
|
$48,000.00 |
|
none |
|
$30.00 |
|
3.5%, min $3.50 |
|
3.40% |
|
$0.00 |
|
$7.00 |
|
$0.00 |
$30.00 |
|
2.0 |
|
4 |
|
none |
Apple Pay, Samsung Pay
Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection
Receive a $750 Luxury Escapes Gift Card when you spend $7,000 on eligible purchases within 90 days of approval.
Rates and fees information correct as at 3 May 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.
299,000 points
19,500 points
20,900 points
50,000 points
1 point per dollar on Mastercard, up to 200000 points per year
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.
2 Points per $1 for eligible transactions made online. 2 Points per $1 for eligible international spend. Up to 200,000 Points over a 12 month period.
Receive two complimentary airport lounge visits every year when you enrol in Priority Pass.
Spend $50,000 (Mastercard)
Spend $20,900 (Mastercard)
Spend $19,500 (Mastercard)
Spend $299,000 (Mastercard)
at 200,000 points yearly
12 months
21.49% p.a. |
|
none |
|
0% p.a. for 6 months and then 22.24% p.a. |
|
yes |
|
22.24% p.a. |
|
55 |
$300.00 |
|
$150 in the first year |
|
$48,000.00 |
|
none |
|
$30.00 |
|
3.5%, min $3.50 |
|
3.40% |
|
$0.00 |
|
$7.00 |
|
$0.00 |
$30.00 |
|
2.0 |
|
4 |
|
none |
Apple Pay, Samsung Pay
Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection
Receive $600 cashback when you apply by 30th April 2024, spend $2,000 on eligible purchases through digital wallet within 90 days of approval.
Rates and fees information correct as at 3 May 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.
299,000 points
19,500 points
20,900 points
50,000 points
1 point per dollar on Mastercard, up to 200000 points per year
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.
2 Points per $1 for eligible transactions made online. 2 Points per $1 for eligible international spend. Up to 200,000 Points over a 12 month period.
Receive two complimentary airport lounge visits every year when you enrol in Priority Pass.
Earn 100,000 bonus Velocity Points when you spend $8,000 on eligible purchases within 90 days of approval.
Spend $50,000 (Mastercard)
Spend $20,900 (Mastercard)
Spend $19,500 (Mastercard)
Spend $299,000 (Mastercard)
at 200,000 points yearly
12 months
21.49% p.a. |
|
none |
|
No current offer |
|
yes |
|
22.24% p.a. |
|
55 |
$300.00 |
|
none |
|
$48,000.00 |
|
none |
|
$30.00 |
|
3.5%, min $3.50 |
|
3.40% |
|
$0.00 |
|
$7.00 |
|
$0.00 |
$30.00 |
|
2.0 |
|
4 |
|
none |
Apple Pay, Samsung Pay
Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection
A very humiliating and condescending conversation regarding updating a new credit card . No customer service skills, will not proceed with CITI in any of my business cards.
Read full reviewA very humiliating and condescending conversation regarding updating a new credit card . No customer service skills, will not proceed with CITI in any of my business cards.
I got a card from them and it was biggest mistake. I have been prompt in paying my EMI. Somehow my credit card was still cancelled and it badly impacted my credit score. When you ask for an explanation, they don't give you any. It sucks, worst service. They write you off even if you are regular with your payments.
Read full reviewI got a card from them and it was biggest mistake. I have been prompt in paying my EMI. Somehow my credit card was still cancelled and it badly impacted my credit score. When you ask for an explanation, they don't give you any. It sucks, worst service. They write you off even if you are regular with your payments.
Overall my experience with Citi has been great. I was worried as it was my first credit card however they made it very straight forward with no fuss. I also missed my payment one month and as a good will gesture they credited me. I’ve found the customer service to be quite helpful. I highly recommend Citi.
Read full reviewOverall my experience with Citi has been great. I was worried as it was my first credit card however they made it very straight forward with no fuss. I also missed my payment one month and as a good will gesture they credited me. I’ve found the customer service to be quite helpful. I highly recommend Citi.
The reward points scheme is very good, one of the more generous ones on the market. However the online banking interface has some glitches and bugs, and the mobile app isn't very good either.
Read full reviewThe reward points scheme is very good, one of the more generous ones on the market. However the online banking interface has some glitches and bugs, and the mobile app isn't very good either.
Easy to use and great service.
Read full reviewEasy to use and great service.
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
Explorer Credit Card
23.99% p.a.
No current offer
$395
Membership Rewards
Velocity Platinum Card
23.99% p.a.
No current offer
$375
Velocity Frequent Flyer
Qantas Discovery Card
23.99% p.a.
No current offer
$0
Qantas Frequent Flyer
Velocity Escape Card
23.99% p.a.
No current offer
$0
Velocity Frequent Flyer
Qantas Ultimate Card
Qantas Frequent Flyer
$450
60,000
1.25 points up to 100,000 points/year, then
1 point uncapped
Platinum Visa Credit Card
Qantas Frequent Flyer
$299
50,000
1 point up to 20,000 points/month
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250 $150 in the first year
70,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Qantas Premium Card
Qantas Frequent Flyer
$249
20,000
1 point uncapped
Rewards Signature Card
NAB Rewards
$295 $145 in the first year
160,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Low Rate Card
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
13.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
Blue Visa Credit Card
0% p.a. for 9 months and then 21.74% p.a.
0% p.a. for 9 months then 20.74% p.a.
$60
Q Rewards
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 24 months and then 20.99% p.a.
20.74% p.a.
$149 $0 in the first year
Velocity Frequent Flyer
More Mastercard
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$100
Bankwest More Rewards
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Blue Visa Credit Card
0% p.a. for 9 months then 20.74% p.a.
0% p.a. for 9 months and then 21.74% p.a.
$60
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 24 months and then 20.99% p.a.
$149 $0 in the first year
More Mastercard
19.99% p.a.
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
$100