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.
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.
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.
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.
Rates and fees information correct as at 27 April 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 $10,000 per month
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
Receive 100,000 bonus Points when you spend $5,000 within the first 90 days from card approval.
Spend $50,000 (Mastercard)
Spend $20,900 (Mastercard)
Spend $19,500 (Mastercard)
Spend $299,000 (Mastercard)
at $10,000 monthly
Never
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 |
$199.00 |
|
$99 in the first year |
|
none |
|
none |
|
$30.00 |
|
3.5%, min $3.50 |
|
3.40% |
|
$0.00 |
|
$7.00 |
|
$90.00 |
$30.00 |
|
2.0 |
|
4 |
|
none |
Apple Pay, Samsung Pay
Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection
Very good on most aspects of credit but I find Interest rates very high
Read full reviewVery good on most aspects of credit but I find Interest rates very high
The card itself is good but the dining program is extremely limited and the app isn't great.
Read full reviewThe card itself is good but the dining program is extremely limited and the app isn't great.
Very good. Cheap international fees. ATMs worldwide and good conversion rates.
Read full reviewVery good. Cheap international fees. ATMs worldwide and good conversion rates.
Citi offered so many things to switch to them quite a few years ago, then a couple of years later took them away. They have only 2 branches in the city that I'm aware of, and at both, it is incredibly difficult to get assistance. They are understaffed, and staff on hand don't have the authority to fix many problems.
Read full reviewCiti offered so many things to switch to them quite a few years ago, then a couple of years later took them away. They have only 2 branches in the city that I'm aware of, and at both, it is incredibly difficult to get assistance. They are understaffed, and staff on hand don't have the authority to fix many problems.
Citi are like most other banks, they charge too much interest on credit but they do remind you if you are late.....usually. Where they fall down is when you want to leave. I finally paid mine off & left a credit in the account & requested it to be closed, this didn't occur so the account was hit with an annual fee which I didn't realise for months as I never looked at the account, I received no calls to say anything was wrong until much later when there were also late payment fees. The account was now hundreds overdrawn so I told them what happened, requested it all be reversed & the account closed, not to call me but email for anything. The calls started coming thick & fast & I refused to answer but no emails were received. The same thing happened with my NAB credit card but NAB immediately reversed everything, closed the account & apologised but Citi just kept calling. I kept refusing to answer & kept emailing them with the same request to stop calling, reverse everything & email me. Multiple requests later & they are still not responding apart from the phone calls so I'll be making a formal complaint to the Australian Financial Complaints Authority (AFCA).
Read full reviewCiti are like most other banks, they charge too much interest on credit but they do remind you if you are late.....usually. Where they fall down is when you want to leave. I finally paid mine off & left a credit in the account & requested it to be closed, this didn't occur so the account was hit with an annual fee which I didn't realise for months as I never looked at the account, I received no calls to say anything was wrong until much later when there were also late payment fees. The account was now hundreds overdrawn so I told them what happened, requested it all be reversed & the account closed, not to call me but email for anything. The calls started coming thick & fast & I refused to answer but no emails were received. The same thing happened with my NAB credit card but NAB immediately reversed everything, closed the account & apologised but Citi just kept calling. I kept refusing to answer & kept emailing them with the same request to stop calling, reverse everything & email me. Multiple requests later & they are still not responding apart from the phone calls so I'll be making a formal complaint to the Australian Financial Complaints Authority (AFCA).
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
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 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