Rewards - Bonus Points Offer card image

Citi Rewards Credit Card (Bonus Points)

Advertiser disclosure
Purchase rate
21.49% p.a.
Balance transfer rate
No current offer
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: 15 May 2024

binocular icon
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.

key icon
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.

snapshot
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.

question icon
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 31 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.

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.

none

No current offer

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

$25.00

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
5.4/10
Price
4.8/10
Features
5.5/10
Customer service
4.9/10
Convenience
5.0/10
Trust
5.2/10
Based on 1316 Citi credit card reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Latest reviews of Citi Rewards Credit Card (Bonus Points)

About Citi

Thumbnail icon for NAB
NAB

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

Thumbnail icon for American Express
American Express

Qantas Ultimate Card

23.99% p.a.

No current offer

$450

Qantas Frequent Flyer

Thumbnail icon for American Express
American Express

Platinum Edge Credit Card

23.99% p.a.

No current offer

$195 $0 in the first year

Membership Rewards

Thumbnail icon for American Express
American Express

Explorer Credit Card

23.99% p.a.

No current offer

$395

Membership Rewards

Thumbnail icon for American Express
American Express

Velocity Platinum Card

23.99% p.a.

No current offer

$375

Velocity Frequent Flyer

Thumbnail icon for American Express
American Express

Qantas Discovery Card

23.99% p.a.

No current offer

$0

Qantas Frequent Flyer

Thumbnail icon for American Express
American Express

Low Rate Credit Card

10.99% p.a.

No current offer

$0

Thumbnail icon for American Express
American Express

Velocity Escape Card

23.99% p.a.

No current offer

$0

Velocity Frequent Flyer

Thumbnail icon for American Express
American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

90,000

1.25 points up to 100,000 points/year, then
1 point uncapped

Thumbnail icon for G&C Mutual Bank
G&C Mutual Bank

Platinum Visa Credit Card

Qantas Frequent Flyer

$299

50,000

1 point up to 20,000 points/month

Thumbnail icon for NAB
NAB

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

Thumbnail icon for American Express
American Express

Qantas Premium Card

Qantas Frequent Flyer

$249

20,000

1 point uncapped

Thumbnail icon for NAB
NAB

Rewards Signature Card

NAB Rewards

$295 $145 in the first year

160,000

1.25 points uncapped

Thumbnail icon for American Express
American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Thumbnail icon for American Express
American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

Thumbnail icon for NAB
NAB

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

Thumbnail icon for NAB
NAB

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

Thumbnail icon for Citi
Citi

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

Thumbnail icon for Bank of Queensland
Bank of Queensland

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

Thumbnail icon for Virgin Money
Virgin Money

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

Thumbnail icon for Bankwest
Bankwest

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

Thumbnail icon for NAB
NAB

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

Thumbnail icon for American Express
American Express

Low Rate Credit Card

10.99% p.a.

No current offer

$0

Thumbnail icon for HSBC
HSBC

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

Thumbnail icon for Australian Unity
Australian Unity

Low Rate Visa Credit Card

9.90% p.a.

No current offer

$59

Thumbnail icon for MOVE Bank
MOVE Bank

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

Thumbnail icon for NAB
NAB

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

Thumbnail icon for American Express
American Express

Low Rate Credit Card

10.99% p.a.

No current offer

$0

Thumbnail icon for HSBC
HSBC

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

Thumbnail icon for Australian Unity
Australian Unity

Low Rate Visa Credit Card

9.90% p.a.

No current offer

$59

Thumbnail icon for MOVE Bank
MOVE Bank

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

Thumbnail icon for Bank of Queensland
Bank of Queensland

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

Thumbnail icon for Virgin Money
Virgin Money

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

Thumbnail icon for Bankwest
Bankwest

More Mastercard

19.99% p.a.

0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

$100

Compare other credit cards