Citibank credit cards

Citibank
Citibank's overall rating for credit cards

(as rated by the Mozo community)

5.7 / 10

based on 379 reviews

Time to put a new piece of plastic in your wallet? Check out the credit card options on offer from Citibank. Part of the Citigroup, and operating since 1985, Citibank was one of the first foreign banks to start operation in Australia. With one of these flexible cards, you can shop online, or anywhere around the world.

We’ve collected all the must-knows about Citibank credit cards below to help you pick the right one.

Rates and fees verified as correct at 25 August, 2016. Other information correct at the time of writing.

What credit cards do Citibank offer?

Low rate credit cards Low rate credit cards

Looking for a low rate credit card to help keep your interest payments down? If you sometimes get caught with a balance owing on your credit card at the end of your interest free period, a low rate card is the perfect way to minimise the damage that can do to your wallet. Check out Citibank’s low rate option.

Product Purchase rate Balance transfer rate Annual fees Interest free days

0% p.a. for 9 months then 14.99% p.a.

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

$99

55


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Low fee credit cards Low fee credit cards

On the other hand, if you pay your credit card balance off in full every month, without fail, finding a killer interest rate probably isn’t so important to you. Having a piece of plastic that won’t charge you massive annual fees, however, should be top priority. So take a look at the great no fee credit card option from Citibank below:

Product Purchase rate Balance transfer rate Annual fees Interest free days

19.99% p.a.

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

$0

55

11.99% p.a. for 24 months then 19.99% p.a.

$0

55


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Rewards credit cards Rewards credit cards

If you’re credit card spending is all about earning rewards then check out the huge range of rewards options from Citibank. You can choose a card that will earn you a bunch of different goodies, like gift cards, retail products and cashback, or one that funnels all those points straight into a frequent flyer program. The catch is, that like other rewards cards, these Citibank credit cards will generally come with higher annual fees and interest rates in return for all the freebies on offer.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Visa, up to $5,000 per month

20.99% p.a.

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

$99

1 point per dollar on MasterCard, up to $3,000 per month, then
0.5 points per dollar on MasterCard, up to $10,000 per month

20.99% p.a.

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

$299 $149 in the first 1 year

1.25 points per dollar on Visa, up to $10,000 per month

20.99% p.a.

0% p.a. for 24 months and then 21.74% p.a. (1.50% p.a. balance transfer fee)

$249 $199 in the first 1 year

1.25 points per dollar on Visa, up to $10,000 per month

20.99% p.a.

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

$199 $99 in the first 1 year

2 points per dollar on Visa, uncapped

20.99% p.a.

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

$700

1 point per dollar on Visa, uncapped

20.99% p.a.

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

$749

1 point per dollar on Visa, up to $3,000 per month, then
0.5 points per dollar on Visa, up to $10,000 per month

20.99% p.a.

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

$444 $248 in the first 1 year

1.5 points per dollar on Visa, up to $20,000 per month

20.99% p.a.

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

$395 $199 in the first 1 year


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Prestige cards Prestige cards

If you want something a little fancy in your credit card experience, then check out the prestige cards on offer from Citibank. These cards come with a hefty annual fee and interest rate, but in return, you’ll get some serious reward earning power, plus some cool freebies, like a concierge service and complimentary travel insurance. When choosing a prestige credit card, just make sure you’ll use the perks enough to justify the high fees and interest.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

0% p.a. for 9 months then 14.99% p.a.

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

$99

1 point per dollar on MasterCard, up to $3,000 per month, then
0.5 points per dollar on MasterCard, up to $10,000 per month

20.99% p.a.

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

$299 $149 in the first 1 year

1.25 points per dollar on Visa, up to $10,000 per month

20.99% p.a.

0% p.a. for 24 months and then 21.74% p.a. (1.50% p.a. balance transfer fee)

$249 $199 in the first 1 year

1.25 points per dollar on Visa, up to $10,000 per month

20.99% p.a.

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

$199 $99 in the first 1 year

2 points per dollar on Visa, uncapped

20.99% p.a.

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

$700

1 point per dollar on Visa, uncapped

20.99% p.a.

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

$749

1 point per dollar on Visa, up to $3,000 per month, then
0.5 points per dollar on Visa, up to $10,000 per month

20.99% p.a.

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

$444 $248 in the first 1 year

1.5 points per dollar on Visa, up to $20,000 per month

20.99% p.a.

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

$395 $199 in the first 1 year


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Frequent flyer credit cards Frequent flyer credit cards

If you travel often for work or pleasure, a Citibank Qantas card is a must-have. These cards are also prestige options, so they come with hefty annual fees and interest, but if you’re looking for a piece of plastic with all the perks, plus a direct link to your frequent flyer program, then look no further.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on MasterCard, up to $3,000 per month, then
0.5 points per dollar on MasterCard, up to $10,000 per month

20.99% p.a.

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

$299 $149 in the first 1 year

1 point per dollar on Visa, uncapped

20.99% p.a.

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

$749

1 point per dollar on Visa, up to $3,000 per month, then
0.5 points per dollar on Visa, up to $10,000 per month

20.99% p.a.

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

$444 $248 in the first 1 year


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Frequently Asked Questions about Citibank credit cards

    How many interest free days will I get with a Citibank credit card?

    What fees might I be charged?

    What is the minimum monthly payment I must make on a Citibank credit card?

    Can I use PayPass or payWave with my Citibank credit card?

    Can I use my Citibank credit card while I’m travelling overseas?

    What kind of insurance options does my Citibank credit card offer?

    What rewards options do I have with my Citibank rewards credit card?

    What happens if I am the victim of credit card fraud?

How are Citibank credit cards rated?

Mozo users have rated Citibank credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Citibank credit cards

Overall 5.7*

Price

Features

Customer service

Convenience

Trust

379 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Citibank credit card reviews Recent Citibank credit card reviews

Citibank

Citibank Classic credit card review

Overall rating   7 / 10

Customer service is excellent

They are on the ball with security. They call quickly if there has been any suspicious activity on my account. They send a text message when every transaction over $100 takes place within 60 seconds of it happening.

Full review

They are on the ball with security. They call quickly if there has been any suspicious activity on my account. They send a text message when every transaction over $100 takes place within 60 seconds of it happening.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   2 / 10

    Trust   8 / 10

Less

Karen (QLD), reviewed 4 months ago

Citibank

Citibank Simplicity (Purchase Rate Offer) credit card review

Overall rating   6 / 10

Recommended

Simplicity card suits us perfectly, hard to get decent service over the phone

Full review

Simplicity card suits us perfectly, hard to get decent service over the phone

    Price   9 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   5 / 10

    Trust   6 / 10

Less

Kevin (NSW), reviewed 5 months ago

Citibank

Citibank Platinum (Balance Transfer Offer) credit card review

Overall rating   8 / 10

Low fees and great features

I like this bank, they provide excellent service.

Full review

I like this bank, they provide excellent service.

    Price   6 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Robert (VIC), reviewed 5 months ago

Citibank

Citibank credit card review

Overall rating   5 / 10

Informative customer service

Rigid rules a to which customers get new promotions. No loyalty to existing customers.

Full review

Rigid rules a to which customers get new promotions. No loyalty to existing customers.

    Price   5 / 10

    Features   5 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

Less

Patricia (VIC), reviewed 5 months ago

Citibank

Citibank credit card review

Overall rating   1 / 10

Great for credit not so good for customer support

This bank is very focussed on selling you more product and offering more credit, but is very difficult to deal with when issues arise. Customer service over the phone is OK, but the Website and On Line Banking process is not user friendly and...

Full review

This bank is very focussed on selling you more product and offering more credit, but is very difficult to deal with when issues arise. Customer service over the phone is OK, but the Website and On Line Banking process is not user friendly and often slow and frustrating as it does not always accept account and password information.

    Price   2 / 10

    Features   2 / 10

    Customer service   1 / 10

    Convenience   1 / 10

    Trust   1 / 10

Less

Janine (VIC), reviewed 5 months ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

What do you need to apply for a Citibank credit card? What do you need to apply for a Citibank credit card?

Who can apply?

To apply for a Citibank credit card, you should be:

What info do you need to apply for a Citibank credit card?

  • Your personal contact details
  • Your employment details, including employers contact details
  • If you are self-employed, your accountant's details, including contact details
  • Your income and monthly expenses
  • If you’re looking for a balance transfer deal, you’ll need the details of your old account and card

What documents will I need?

  • Proof of employment - this could differ depending on what kind of employment you are in, but usually includes things like tax returns and pay slips.
  • A current driver’s license, or proof of address (e.g. a recent electricity bill)
  • Your passport (if you have an overseas passport, you’ll also need a copy of your visa) or Medicare card to confirm residency

For more information, check out our guide on applying for a credit card.

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