Citi logo

Citi Credit card customer reviews

Overall rating
5.1/10
Price
4.8/10
Features
5.5/10
Customer service
4.9/10
Convenience
5.0/10
Trust
5.2/10
Based on 1318 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.
Write a review

Featured credit card from Citi

Rewards - Balance Transfer and Purchases offer

Purchase rate
0% p.a. for 15 months then 21.49% p.a.
Balance transfer rate
0% p.a. for 15 months and then 22.24% p.a.
Annual fee
$199
Rewards program
Citi Rewards Program

Promoted

Recent Citi credit card customer reviews

Sort reviews by: date | star rating
  • Citi Credit Card

    Citi Prestige Card - A Premium Offering? NOT!

    Citibank customer service in general is terrible. Every time I've called I seem to have an Indian person answer my call who I have trouble understanding (though all have been nice). I have tried to get my monthly statement on a specific date for the last two months with no luck. I even have written confirmation letter from the Citibank Customer Advocacy Unit stating my statement cycle is the 13th of each month, but even today - the 13th of September, they still have not provided me a statement and apparently I will now not receive it until the 24th of September and no one can tell me why. What makes it even more annoying is that via an Online Chat earlier in the day I was told I should receive it by the end of today (being the 13th of Sep) yet having just spoken to someone on the phone earlier today and this evening I won't get it until the 24th of September. I mean, how hard is it to get a customer their Statement, especially after you've written it in a letter that they would receive it today. Is it common practice a bank makes their customers chase them to pay them? When you pay a $700 Annual Fee, you have every right to expect a basic level of service - I mean it's not like I'm asking you to perform the impossible, surely. In general, the card does come with a plethora of benefits which makes it attractive, however, the absence of adequate customer service at a base level overshadows what benefit the card offers. If being treated with respect as a customer and not having to deal with team members who do not know their own product offerings is important to you, then I suggest you look elsewhere. If however, you are happy to never deal with anyone in person, on the phone, or via an online chat, this card may very well be something that works for you. As of today, I will be cancelling my card and moving to ANZ. RIP Citibank Prestige Credit Card.

    Price
    Features
    Customer service
    Convenience
    Trust
    Less
    Trevor, New South Wales, reviewed 24 days ago
  • Citi Clear - Balance Transfer Offer

    Good CC to have

    I find it to be a solid choice for its no-annual-fee option and good rewards. I joined because of its attractive sign-up bonuses or 0% APR on purchases for the first few months, on the flipside after the introductory period, the APR can be relatively high compared to others. It also doesn't offer travel insurance or extended warranty protection

    Price
    Features
    Customer service
    Convenience
    Trust
    Less
    Jo, Western Australia, reviewed 2 months ago
  • Citi Rewards - Balance Transfer and Purchases offer

    Great product

    Excellent customer service and rewards program been with Citi for over 20 years

    Price
    Features
    Customer service
    Convenience
    Trust
    Less
    Joseph, Victoria, reviewed 6 months ago
  • Citi Prestige - Qantas

    Happy with citi as a reward card

    I do you like the party lounge access provided and insurance that is included in this credit card so the upfront cost I feel is quite steep. The bonus Qantas frequent flyer points was good on signup

    Price
    Features
    Customer service
    Convenience
    Trust
    Less
    Rachel, Queensland, reviewed 11 months ago
  • Citi

    Acceptable if used in right manner

    Very good on most aspects of credit but I find Interest rates very high

    Price
    Features
    Customer service
    Convenience
    Trust
    Less
    John, New South Wales, reviewed 11 months ago
  • Citi Clear - Balance Transfer Offer

    Citibank could be much more competitive

    Very easy to obtain always offering higher credit limits which can get you into financial trouble and the interest rates are very high in comparison to other institutions reward points are reasonable but cash withdrawals are too easy and costly

    Price
    Features
    Customer service
    Convenience
    Trust
    Less
    John, New South Wales, reviewed about 1 year ago
  • Citi Clear - Balance Transfer Offer

    So much for looking after loyal customers,

    Was recently charged a late fee of $30 due to my elderly mother having serious health issue & being in hospital, I asked for it to be waived as have never ever late for a payment in 5 years & received a NO, disappointing & pretty greedy in my opinion !

    Price
    Features
    Customer service
    Convenience
    Trust
    Less
    Carolyn, Victoria, reviewed about 1 year ago
  • Citi Credit Card

    good

    I like their travel insurance inclusion for flights bought through this credit card. Enjoy paying with points too.

    Price
    Features
    Customer service
    Convenience
    Trust
    Less
    Somayeh, South Australia, reviewed over 1 year ago
  • Citi Credit Card

    Avoid Very Bad Credit Card

    Terrible customer service Very bad security Never use Citi credit card

    Customer service
    Trust
    Less
    Jj, Victoria, reviewed over 1 year ago
  • Citi Rewards - Balance Transfer and Purchases offer

    Avoid avoid avoid!!!!!

    Citi locked my account as I was leaving on vacation. Security is out to lunch.

    Price
    Features
    Customer service
    Convenience
    Trust
    Less
    James, Victoria, reviewed over 1 year ago
  • Citi Premier

    experienced the worst customer service ever.

    A very humiliating and condescending conversation regarding updating a new credit card . No customer service skills, will not proceed with CITI in any of my business cards.

    Price
    Features
    Customer service
    Convenience
    Trust
    Less
    Karl, New South Wales, reviewed over 1 year ago
  • Citi Credit Card

    Unable to send my card for almost a year!

    They have been unable to send me my physical credit card for almost a year. After 5 attempts I stopped trying.

    Price
    Features
    Customer service
    Convenience
    Trust
    Less
    Calebe, New South Wales, reviewed over 1 year ago
  • Citi Credit Card

    Left to carry the can after fraudulent transaction

    Citi Mastercard is very bad when it comes to reversing fraudulent transactions. I notified them with 24 hours of a fraudulent transaction and the were able to cancel my card and gave me a credit. But after 4 months they reversed the credit and were not able to sensibly explain why - just said it was reviewed and my claim rejected. So they will not stand with you in cases of fraud. Beware!

    Price
    Customer service
    Convenience
    Trust
    Less
    Pedro, Queensland, reviewed over 1 year ago
  • Citi Clear - Balance Transfer Offer

    Stay clear from their product

    I have been a Citi customer for over 10 years but had major issues with how they provide credit since their acquisition by NAB. Big question around their landing practices and I will highly recommend to stay clear from this financial institution.

    Price
    Features
    Customer service
    Convenience
    Trust
    Less
    Nora, New South Wales, reviewed almost 2 years ago
  • Citi Clear - Balance Transfer Offer

    Terrible

    Poor service, high fees terrible products.

    Price
    Features
    Customer service
    Convenience
    Trust
    Less
    Trent, Queensland, reviewed almost 2 years ago
  • 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. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews. Financial providers may, from time to time, offer incentives for reviews, regardless of the sentiment of the reviews.

    Credit card comparisons on Mozo - rates updated daily

    • Low Rate Card - Balance Transfer Offer

      Purchase rate
      13.49% p.a.
      Balance transfer rate
      0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
      Annual fee
      $59 $0 in the first year
      Rewards program

      Promoted
    • Rewards - Balance Transfer and Purchases offer

      Purchase rate
      0% p.a. for 15 months then 21.49% p.a.
      Balance transfer rate
      0% p.a. for 15 months and then 22.24% p.a.
      Annual fee
      $199
      Rewards program
      Citi Rewards Program

      Promoted
    • Qantas Ultimate Card

      Purchase rate
      23.99% p.a.
      Balance transfer rate
      No current offer
      Annual fee
      $450
      Rewards program
      Qantas Frequent Flyer

      Promoted
    • Clear Credit Card - Balance Transfer Offer

      Purchase rate
      14.99% p.a.
      Balance transfer rate
      0% p.a. for 24 months and then 22.24% p.a. (1.50% balance transfer fee)
      Annual fee
      $99 $49 in the first year
      Rewards program

      Promoted
    • Essential® Rewards Credit Card

      Purchase rate
      23.99% p.a.
      Balance transfer rate
      No current offer
      Annual fee
      $108
      Rewards program
      Membership Rewards

      Promoted

    **Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

    Browse all 198 credit cards in Mozo's comparison database.

    Compare more credit cards

    About Mozo community reviews

    Mozo gives you the inside story on the best banking, energy and insurance products as rated by thousands of real customers around Australia. We don't make subjective judgments, nor do advertisers influence our ratings. Although our reviews may be moderated to improve quality standards, they are moderated independently of any of Mozo’s commercial relationships.