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Citi Ready Credit - Flybuys offer

2.9% p.a. for 3 years on the initial balance transferred plus, 100,000 Flybuys points.

Reverts to standard variable rate. Fees and charges, T&Cs apply.

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Important Announcement

We’re excited to announce that National Australia Bank Limited (‘NAB’) has entered into an agreement with Citigroup to acquire the Citi consumer banking business in Australia subject to regulatory approval. We’re expecting the transfer to take place on 1 June 2022. Visit our FAQs for more information. 

Product Offers


Call the world home.

Spend, send and receive a world of currencies instantly - giving you the freedom to pay like a local, even when you aren't.

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Make bigger things happen with a smaller rate. Variable rate 8.90% p.a. | Comparison rate 9.18% p.a.*

*Comparison rate warning, Fees and charges, T&Cs apply

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Convert retail purchases included in the closing balance from your last statement.

Take control of your credit card balance by turning some or all of your eligible purchases into monthly repayments that fit in with your lifestyle. A minimum conversion of $500 applies.

Manage your statement

A new Banking Code of Practice for Australia

Citi is a subscriber to the Banking Code of Practice. The code sets the standard of practice and service for Australia's banks. Citi is committed to providing you support when you are most in need.

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Benefits for Citi Customers

The Good Food & Wine Show

The Good Food & Wine Show, presented by Citi is back! Bringing hundreds of stalls by local producers and your favourite celebrity chefs!

View details on upcoming shows and all the benefits available to Citi cardholders.

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Luxury Escapes

Enjoy 10% off Limited Time LUX Exclusive hotel offers with your Citi Credit Card. Valid until 1 March 2023.

Cap and T&Cs apply.

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Upgrade your food delivery experience and receive $10 cashback once a month when you place an order of $25 or more with your Citi credit card.

Available for a limited time. Primary cardholders only. T&Cs apply.

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Citi's Latest Insights

Are you on track for a comfortable retirement?

Want to increase your chances of achieving and funding the retirement lifestyle you want through superannuation? It’s never too early or late to think about strategies to do it

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Budgeting for interest rate rises

When the Reserve Bank of Australia starts to raise interest rates property buyers should already be prepared to meet increased mortgage payments

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A year of volatility and opportunity: 5 tips for investors in 2022

As we navigate a bumpy start to the new year, words like inflation, volatility, and slowdown have been grabbing investor and media attention. Here's how investors can respond

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