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Citi Rewards Card

Citi Rewards Credit Card

The savings can really add up, with 30 months
interest free on balance transfers.1

No balance transfer fee, reverts to cash advance rate.

Apply Now
Percentage
0% p.a. on balance transfers for 30 months (no balance transfer fee, reverts to cash advance rate)1
Dollar
Discounted annual fee of $49 in the first year2
complimentary-Insurance
Complimentary Insurance3

Citi Rewards Card

rewards

0%p.a.

for 30 months on balance transfers

(no balance transfer fee, reverts to cash advance rate)1

 

Apply now

 

Rest easy with 30 months interest free on balances from non-Citi accounts you move over to a Citi Rewards credit card.1 Over that time, you could save on interest payments – making it that much easier to get on top of your credit card debt. Please note, no interest free days apply to retail purchases while you have a balance transfer.

giftDo more with Citibank Rewards

Earn Citi reward Points when you spend
Citi reward Points per $1 spent

International Spend
on Eligible Transactions4 made overseas or online with a merchant that is based overseas

1 Point

Domestic Spend
on Eligible Transactions4 capped at $10,000 spend per statement period

1 Point

Citi PayAll5 Spend
Earn uncapped6 Citi reward Points on everyday expenses such as rent, taxes, education fees,
property management fees, childcare and miscellaneous bills

1 Point

Linked Diners Club Card7
on all Eligible Transactions8

2 Points

 

A wealth of ways to spend your Citi reward Points

Pay with Points

With the Citibank Rewards program you can Pay with Points for almost anything with your Citi reward Points. Redeem your Points for eligible purchases and receive a credit back.9

Shop with Points

You can also use your Citi reward Points to pay for TVs, appliances, homewares and much more at kogan.com.10

Turn your Citi reward Points into a holiday

Redeem your Citi reward Points to book flights, hotels, car hire, activities or even create your own itinerary 24/7 via the Citi Travel Portal. Not enough Citi reward Points? Enjoy the flexibility to book with your Citi reward Points and pay the remaining balance with your Citi credit card.11

Transfer your Citi reward Points to Airline and Other Loyalty Programs

With points transfer, you can easily transfer your Citi reward Points to a variety of Airline and Other Loyalty Programs including: Emirates Skywards, Singapore Airlines KrisFlyer, flybuys and many more.12 To learn more about points transfer, see Points Transfer FAQs.

Discover the benefits of a Citi Rewards credit card

Get started with a discounted annual fee in the first year

Experience all the benefits of the Citi Rewards credit card with a discounted annual fee of $49 in the first year. Each year after that it's still packed with value at just $149.2

Complimentary Purchase Cover Insurance and Extended Warranty Insurance

Receive complimentary insurance for eligible products purchased with your Citi Rewards credit card, including Extended Warranty Insurance and Purchase Cover Insurance.3

Terms, conditions, exclusions and limits apply. Find out more.

Free wine, anyone?

Enjoy a free bottle of wine every time you dine and pay with your Citi card at one of our partner restaurants. Conditions apply. Learn more about Citibank Dining Program.

dollarA new way to pay and earn rewards

With Citi PayAll, you can now pay for your rent, taxes, education fees, property management fees, childcare, miscellaneous bills and more using your Citi credit card. For a fee of 2% of the Citi PayAll amount you can turn payments into rewards by earning uncapped6 Citi reward Points on your everyday spend. Set up single or regular Citi PayAll payments to recipients with a registered BSB and account number held with an Australian financial institution. Set up your Citi PayAll payments in the Citi Mobile® App and keep track of them all in one place.5

cardEarn Citi reward Points faster and unlock savings with a Linked Diners Club Card

Simply request a Linked Diners Club Card7 with your Citi Rewards Card and you'll pay no International Transaction Fees when you shop online or overseas with your Linked Diners Club Card.13 Find out more.

More ways to pay

Turn your smartphone into a mobile wallet thanks to Apple Pay14 and Samsung Pay.

Rates and Fees

 

Balance transfer rate

0% p.a. for 30 months (no balance transfer fee, reverts to cash advance rate).1 Please note, no interest free days apply to retail purchases while you have a balance transfer.


Annual fee

$49 in the first year, $149 in subsequent years.2


Additional cardholder fee

$90. You may have up to four (4) additional cardholders, who must be 16 years or older.


Retail purchase rate

21.49% p.a.


Cash advance rate

22.24% p.a.


Interest free period

Up to 55 days interest-free on retail purchases (unless you have a balance transfer).15


Minimum credit limit

$6,000


Maximum credit limit

$100,000


 

There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be viewed at the Citi credit card fees and charges page.

Here's what you'll need to apply


Around 10 minutes to complete the
application

Earn more than $35,000 a year

Be 18 years or older and an Australian
resident

Apply now

Important information

Refer to the full Terms and Conditions related to this product here.

Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $35,000 per year and your credit rating.

Fees and charges apply. Cards are offered, issued and administered by Citigroup Pty Limited. Terms and conditions apply and are available upon request. Credit Criteria apply. New cards customers only and cannot be used in conjunction with any other offers.

  1. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate will apply to balances transferred with this offer at point of application, for a period of 30 months. The 30 month promotional period commences once the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.24% p.a. This offer excludes balances transferred from Citibank unsecured credit products. Please note you are not entitled to any interest free days on retail purchases whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. For important information to consider before taking up a balance transfer, please click here. Offer ends 30 June 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

  2. Subject to your acceptance you will be billed an annual fee of $49 in the first year. This will revert to $149 in subsequent years. This offer applies to the primary cardholder only. For additional cardholders an annual fee also applies, currently $90 per card. Annual fees are subject to change. This offer is valid until 30 June 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

  3. Complimentary insurance covers are subject to eligibility requirements : AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 of Level 16, 310 Ann Street, Brisbane, QLD 4000 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street, Sydney NSW 2000 has issued an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) of 2-26 Park Street, Sydney NSW 2000 which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Insurance Terms and Conditions which may be amended from time to time. Citi does not guarantee this insurance.

  4. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. Domestic Spend and International Spend means any Eligible Transaction made with a merchant who respectively tells us they are located within Australia or outside Australia. Eligible Transaction is defined in the Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, government related transactions and all other transactions set out within the full definition.

  5. Citi PayAll offers are subject to eligibility and only available if your account is and remains in good standing. Set up Citi PayAll payment instructions using mobile banking or in any other way we tell you that you can make a Citi PayAll payment. This is an amount you authorise us to pay once or on a regular basis from your account to another bank account held with an Australian financial institution (other than through BPAY® ). This must be not less than 7 days from the date the Citi PayAll payment is set up, and if there is more than one payment to be made, the number and frequency of the payments and period over which they are to be made, you must ensure these details are correct. All Citi PayAll payments and Citi PayAll Fees we charge to your account will be added to the retail purchase balance and the Retail APR will apply to them. Citi PayAll payments are charged at the retail purchase rate applicable to your account and are only available on Citi PayAll payments outlined in the Credit Card Terms and Conditions and Other Important Information. A fee of 2% of the amount of the Citi PayAll payment is payable and is debited to your Account each time a Citi PayAll payment is made. Please note, there are limits on the Citi PayAll payments you can make in a period. Details of these limits can be found at citibank.com.au/payall-limits. These limits may change from time to time. For the full terms and conditions of Citi PayAll, please refer to the Credit Card Terms and Conditions and Other Important Information.

  6. There are limits on the Citi PayAll payments you can make in a period per month. Details of these limits can be found at citibank.com.au/payall-limits.

  7. Separate Diners Club Terms and Conditions apply to a Linked Diners Club Card as it is a separate credit facility from Diners Club that is paid through your Citi Credit Card. Eligibility criteria apply including that you must be approved for an account that is eligible for a Linked Diners Club Card. Diners Club has appointed Citi to administer the Linked Diners Club Card. Any credit balance on the Linked Diners Club Card is not a deposit liability of Citi, or any other affiliate of Citi, is not a protected account and is not guaranteed.

  8. All rewards on your Linked Diners Club Card are subject to the Terms and Conditions of the Citibank Rewards Program and the Linked Diners Club Card Extra Terms Part 2. Eligible Transaction is defined in the Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, government related transactions and all other transactions set out within the full definition.

  9. Pay with Points is available on eligible purchases. An eligible purchase means an Eligible Transaction (excluding Citi PayAll Payments) that you use Pay with Points on within 60 days of the Transaction Date. Eligible Transaction is defined in the Terms and Conditions of the Citibank Rewards Program and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, government related transactions and all other transactions set out within the full definition.

  10. To use your reward Points toward eligible purchases at Kogan.com, you must have a Kogan.com account, be the primary cardholder of a card enrolled in the Citibank Rewards Program ("eligible card"), enrol your eligible reward card with Kogan.com and agree to the Shop with Card Reward Points terms and conditions. You may only enrol one eligible reward card at any time. Customers who are enrolled in the Citi Qantas Rewards Program or Emirates Skywards Miles Program, will not be eligible for Shop with Points at Kogan.com. The Shop with Card Reward Points terms and conditions are to be read in conjunction with the Terms and Conditions of the Citibank Rewards Program.

  11. You can only redeem a Reward using Points Plus Pay if that Reward is eligible for Points Plus Pay redemption, you have accumulated the required amount of Points and you use your Card to purchase the Points Plus Pay redemption.

  12. You must be a member of the Airline and Other Loyalty Program in which you wish to claim Airline and Other Loyalty Points and have advised us of your Airline and Other Loyalty program membership number prior to any such redemption. Membership of an Airline and Other Loyalty Program will be subject to the terms and conditions of that program. Airline and Other Loyalty Points may take up to 28 business days to appear in your Airline and Other Loyalty Program membership account.

  13. No International Transaction Fee is only applicable for transactions made on your Linked Diners Club Card; including on the amounts transferred to your Citi Credit Card. If you make an international transaction using your Citi Credit Card, an International Transaction Fee will be charged (where applicable).

  14. Apple Pay works with iPhone 6 and later in stores, in selected apps, and on participating websites in Safari; with Apple Watch in stores and selected apps (requires iPhone 6 or later); with iPad Pro, iPad (5th generation), iPad Air 2, and iPad mini 3 and later in selected apps and on participating websites in Safari; and with Mac (2012 or later) on participating websites in Safari with an Apple Pay–enabled iPhone or Apple Watch. For a list of compatible Apple Pay devices, see support.apple.com/en-au/km207105. You can use Apple Pay in stores/merchants wherever NFC contactless payment is accepted. For certain merchant terminals, a transaction limit may apply. You can also make in-app purchases and websites in Safari where Apple Pay is available as a payment option. Terms and conditions apply to the use of Apple Pay. Apple, the Apple logo, Apple Pay, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.

  15. The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any fixed payment option balance which isn’t due for payment by that payment due date). No interest free period is available on cash advances or balance transfers. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance.

© 2021 Citigroup Pty Limited. All rights reserved. ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world. Diners Club Pty Limited ABN 35 004 343 051.

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