Citi Signature

20.99% p.a.

0% p.a. for 12 months and then 21.74% p.a.

$395 50% off annual fee when you spend $48,000 in the preceding year., $195 in the first year

Citi Rewards

Citi Signature

20.99% p.a.

0% p.a. for 12 months and then 21.74% p.a.

$395 50% off annual fee when you spend $48,000 in the preceding year., $195 in the first year

Citi Rewards

Mozo Review   Citi Signature Review

Last updated: 4 September 2018.

What's hot:
  • Complimentary features like travel insurance and concierge

  • Up to 300,000 bonus points (conditions apply)

  • 1 point per dollar on Visa

What's not:
  • 20.99% purchase rate

Mozo snapshot:

The Citi Signature card is for high-flyers. Customers who earn over $75,000 a year gain access to an incredible array of rewards, including a concierge service, travel insurance and Citi's exclusive Dining Program. You can score up to 300,000 bonus points when you spend $1,000 each month for 20 months and a discounted annual fee of $195 for the first year ($395 after).

Key features:

Rewards are usually the main thing you want to look at when thinking of getting a rewards credit card and with Citi Signature there are number to take note of: including flights, cash back and gift cards all as options you can cash in on. There's also no need to fret about hitting a cap or your points expiring, as this card has neither a points cap or expiring date.

Earning reward points is easy and quick - you will receive 1 point per $1 spent on regular domestic spends, and the points earning is uncapped meaning you can save them up for something fab. 

Plus, you can score a tonne of bonus points. By spending at least $1,000 on your card each month for the first 20 months from approval, you can bag 15,000 points per month. That adds up to a whopping 300,000 bonus point haul!

The Signature card is especially well-suited to travellers. Not only can you bag 2 rewards points for each $1 spent internationally, but the card also comes with complimentary travel insurance, concierge service and airport lounge visits.

But all this value does come at a price - the Citi Signature card comes with a relatively high yearly fee of $395 ($195 for the first year) and steep purchase rate of 20.99%. But the good news is that if you spend $48,000 in a year, you'll get a 50% discount on the next year's annual fee.

The card also come with 12 months of 0% balance transfer rate (then 21.74%), so if you're looking to transfer some of your other debts onto this card you have a window of no extra interest payments.

Who it's good for:

The Citi Rewards Signature credit card suits anyone who is earning over $75,000 a year and is interested in a card that comes with plenty of perks.

Any catches?

Get into the habit of paying your balance off in full each month or you'll be paying a high 20.99% interest rate on those purchases.

Rewards program details

Rates and fees information correct as at 20 November 2018. 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

299,000 points

Fly Sydney to Melbourne

19,500 points

$100 Giftcard

18,900 points

$100 Cash

40,000 points

Points earning

1 point per dollar on Visa, uncapped

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, Asia Miles or Emirates Skywards.

2 Points per $1 for eligible international purchases, uncapped.

Instant discounts via Citi World Privileges

Special offers

Earn 15,000 bonus points each month $1,000 or more is spent on eligible transactions for the first 20 months.

Value of rewards points

Spend $40,000 (Visa)

Spend $18,900 (Visa)

Spend $19,500 (Visa)

Spend $299,000 (Visa)

Uncapped

Never

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.

Close

Rate and fee details

Rates
  • 20.99% p.a.

  • none

  • 0% p.a. for 12 months and then 21.74% p.a.

  • yes

  • 21.74% p.a.

  • 55

Fees
  • $395.00

  • $195 in the first 1 year

  • none

  • none

  • $10.00

  • 3.5%, min $3.50

  • 3.40%

  • $7.00

  • $7.00

  • $0.00

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 customer rating
5.2/10

Based on 1249 Citi credit card reviews

Price
4.8/10
Features
5.5/10
Customer service
4.9/10
Convenience
5.0/10
Trust
5.2/10

Latest reviews of Citi Signature

  • Overall
    1/10
    Surprise fees

    I only joined because of a "no annual fee" for lifetime offer. If you are very careful it is...

    I only joined because of a "no annual fee" for lifetime offer. If you are very careful it is alright. I thought I was, but even so, I have lost hundreds of dollars from unexpected fees. The last foreign currency transaction costed me $35 on top of the transaction itself.

    Price
    1/10
    Features
    2/10
    Customer service
    2/10
    Convenience
    8/10
    Trust
    0/10

    Aximili | Victoria

    reviewed almost 3 years ago

  • Overall
    7/10
    Great customer service

    Have been with this bank for quite a few years. Points are great if you know how to use them....

    Have been with this bank for quite a few years. Points are great if you know how to use them. Fees are ok as long as you pay in time.

    Price
    7/10
    Features
    6/10
    Customer service
    7/10
    Convenience
    3/10
    Trust
    5/10

    Lee | Victoria

    reviewed over 3 years ago

  • Overall
    5/10
    Interest rate is high

    Very ordinary.

    Very ordinary.

    Price
    4/10
    Features
    5/10
    Customer service
    4/10
    Convenience
    7/10
    Trust
    5/10

    David | New South Wales

    reviewed over 3 years ago

  • Overall
    8/10
    Excellent customer service and great rewards

    I like this bank because if a transaction comes from a merchant not previously used by me I get a...

    I like this bank because if a transaction comes from a merchant not previously used by me I get a call immediately to verify it was me. They are extremely understanding and sympathetic for late payments and reverse late payment fees and interest.

    Price
    6/10
    Features
    7/10
    Customer service
    9/10
    Convenience
    7/10
    Trust
    8/10

    Miriana | New South Wales

    reviewed over 3 years ago

  • Overall
    3/10
    Ridiculously inflated interest rates

    With the current interest rates at record lows, credit cards at over 21% is at extortion levels,...

    With the current interest rates at record lows, credit cards at over 21% is at extortion levels, they are legal loan sharks. They should be made to re configure their rates in keeping with the current environment. I pay my account out in full every month so it does not affect me like it would with others less fortunate than me.

    Price
    0/10
    Features
    3/10
    Customer service
    5/10
    Convenience
    8/10
    Trust
    8/10

    David | New South Wales

    reviewed over 3 years ago

Citi

About Citi

Citi is the consumer banking arm of Citigroup, one of the world's biggest financial institutions. Citi was the first foreign bank to be granted a banking licence to operate in Australia. Citi is now the largest international bank in the country, serving millions of Australians with credit cards, mortgages, deposit accounts, charge cards and more.

See Citi credit cards

Promoted

Citi

Citi

Clear Platinum

12.99% p.a.

0% p.a. for 14 months and then 21.74% p.a.

$99 $0 in the first year

Promoted

Citi

Citi

Classic

20.99% p.a.

0% p.a. for 15 months and then 21.74% p.a. (1.50% balance transfer fee)

$99 $49 in the first year

Promoted

Citi

Citi

Qantas Signature

20.99% p.a.

0% p.a. for 6 months and then 21.74% p.a.

$444 $248 in the first year

Promoted

Citi

Citi

Emirates World Mastercard

20.99% p.a.

0% p.a. for 9 months and then 21.74% p.a.

$299 $149 in the first year

Promoted

Citi

Citi

Prestige

20.99% p.a.

No current offer

$700

Promoted

Citi

Citi

Platinum

20.99% p.a.

0% p.a. for 12 months and then 21.74% p.a.

$149 50% off annual fee when you spend $24,000 in the preceding year., $49 in the first year

Promoted

Citi

Citi

Simplicity

19.99% p.a.

0% p.a. for 6 months and then 19.99% p.a.

$0

Promoted

American Express

American Express

Explorer Credit Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

20.74% p.a.

$395

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

0% p.a. for 14 months and then 21.99% p.a.

19.99% p.a.

$49 $0 in the first year

Promoted

Australian Military Bank

Australian Military Bank

Low Rate Visa Credit Card

0% p.a. for 12 months and then 10.99% p.a.

10.99% p.a.

$49

Promoted

ANZ

ANZ

Low Rate

0% p.a. for 15 months and then 21.74% p.a.

12.49% p.a.

$58

Promoted

Suncorp

Suncorp

Clear Options Platinum

0% p.a. for 18 months and then 21.99% p.a.

20.74% p.a.

$178

Promoted

Westpac

Westpac

Altitude Black with American Express

No current offer

20.24% p.a.

$499 $300 in the first year

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Platinum Mastercard

No current offer

11.99% p.a.

$89

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 18 months and then 20.99% p.a.

20.74% p.a.

$129 $64 in the first year

Promoted

American Express

American Express

Explorer Credit Card

2 points per dollar on Amex, uncapped

20.74% p.a.

$395

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

1 point per dollar on Visa, uncapped

19.99% p.a.

$49 $0 in the first year

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

$129 $64 in the first year

Promoted

Westpac

Westpac

Altitude Black with American Express

1.25 points per dollar on Amex, 0.75 points per dollar on Mastercard, uncapped

20.24% p.a.

$499 $300 in the first year

Promoted

St.George

St.George

Amplify Platinum

1 point per dollar on Visa, uncapped

19.49% p.a.

$99 $0 in the first year

Promoted

Suncorp

Suncorp

Clear Options Platinum

1.25 points per dollar on Visa, uncapped

20.74% p.a.

$129

Promoted

Westpac

Westpac

Altitude Black

1.25 points per dollar on Mastercard, uncapped

20.24% p.a.

$250

Promoted

American Express

American Express

Velocity Escape Card

1 point per dollar on Amex, uncapped

20.74% p.a.

$0

Promoted

Australian Military Bank

Australian Military Bank

Low Rate Visa Credit Card

0% p.a. for 12 months and then 10.99% p.a.

$49

10.99% p.a.

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

0% p.a. for 14 months and then 21.99% p.a.

$49 $0 in the first year

19.99% p.a.

Promoted

American Express

American Express

Velocity Escape Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$0

20.74% p.a.

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

$99

0% p.a. for 13 months then 12.99% p.a.

Promoted

Suncorp

Suncorp

Clear Options Platinum

0% p.a. for 18 months and then 21.99% p.a.

$129

20.74% p.a.

Promoted

American Express

American Express

Explorer Credit Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$395

20.74% p.a.

Promoted

Westpac

Westpac

55 Day Platinum Card

0% p.a. for 20 months and then 21.29% p.a. (2.00% balance transfer fee)

$90 $0 when you spend over $10,000 p.a, $0 in the first year

19.84% p.a.

Promoted

28 Degrees

28 Degrees

Platinum Mastercard

4.99% p.a. for 6 months and then 21.99% p.a.

$0

21.99% p.a.

Promoted

Australian Military Bank

Australian Military Bank

Low Rate Visa Credit Card

10.99% p.a.

$49

0% p.a. for 12 months and then 10.99% p.a.

Promoted

ANZ

ANZ

Low Rate

12.49% p.a.

$58

0% p.a. for 15 months and then 21.74% p.a.

Promoted

ME

ME

frank Credit Card

11.99% p.a.

$0

No current offer

Promoted

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 13 months then 12.99% p.a.

$79

0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

Promoted

Coles

Coles

Low Rate Mastercard

0% p.a. for 15 months then 12.99% p.a.

$58

0% p.a. for 6 months and then 19.99% p.a.

Promoted

American Express

American Express

Essential Credit Card

14.99% p.a.

$0

0% p.a. for 12 months and then 14.99% p.a. (3.00% balance transfer fee)

Promoted

NAB

NAB

Low Rate Platinum Card

0% p.a. for 9 months then 13.99% p.a.

$100

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 13 months then 12.99% p.a.

$99

0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

Promoted

American Express

American Express

Explorer Credit Card

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$395

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

19.99% p.a.

0% p.a. for 14 months and then 21.99% p.a.

$49 $0 in the first year

Promoted

Australian Military Bank

Australian Military Bank

Low Rate Visa Credit Card

10.99% p.a.

0% p.a. for 12 months and then 10.99% p.a.

$49

Promoted

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 15 months and then 21.74% p.a.

$58

Promoted

Suncorp

Suncorp

Clear Options Platinum

20.74% p.a.

0% p.a. for 18 months and then 21.99% p.a.

$178

Promoted

Westpac

Westpac

Altitude Black with American Express

20.24% p.a.

No current offer

$499 $300 in the first year

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Platinum Mastercard

11.99% p.a.

No current offer

$89

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

20.74% p.a.

0% p.a. for 18 months and then 20.99% p.a.

$129 $64 in the first year