Rewards - Bonus Points Offer card image

Citi Rewards Credit Card (Bonus Points)

Advertiser disclosure
Purchase rate
21.49% p.a.
Balance transfer rate
0% p.a. for 15 months and then 22.24% p.a.
Annual fees
$149 $49 in the first year
Interest free days on purchases

Mozo editorial review Citi Rewards Credit Card (Bonus Points) - last updated: 1 November 2021

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What's hot
  • 100,000 bonus points when you spend $3,000 within 90 days from card approval
  • An extra 75,000 bonus points in the first year
  • 0% p.a. balance transfer rate for 15 months
What's not
  • High 21.49% retail purchase rate
  • Cash advance rate 22.24%
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 $3,000 within 90 days from card approval, plus another 75,000 bonus points in the first year. But hurry, this offer ends 31 October 2021! 

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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 $3,000 within 90 days from card approval. Plus, you'll score another 75,000 bonus points in the first year you have the card. But get in quick, as this offer ends on 31 October 2021

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%, 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.

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 January 2022. 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

40,000 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 $3,000 within 90 days from card approval and an additional 75,000 Points after the first year.

Value of rewards points

Spend $40,000 (Mastercard)

Spend $20,900 (Mastercard)

Spend $19,500 (Mastercard)

Spend $299,000 (Mastercard)

at $10,000 monthly


How do we calculate these points?
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.


Rate and fee details


21.49% p.a.


0% p.a. for 15 months and then 22.24% p.a.


22.24% p.a.




$49 in the first year




3.5%, min $3.50










Payment options

Apple Pay, Samsung Pay

Rewards privileges

Travel Insurance,
Extended Warranty,
Purchase Protection

Other benefits

Citi PayAll allows you to earn Citi reward Points on everyday expenses (2% fee applies). Free wine every time you dine with the Citibank Dining Program when you pay with your Citi Credit Card.

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