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Citi Rewards Card

0% p.a. for 14 months on purchases and balance transfers.1

Balance transfer reverts to cash advance rate.


Apply now

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Discount on selected hotel offers with Luxury Escapes until 1 March 2023$
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Cashback on Deliveroo available until 31 December 2022#
life buoy
Complimentary mobile phone insurance*
Citi Rewards Card

Citi Rewards Card

0% p.a.
on purchases

for 14 months

+
0% p.a.
on balance transfers

for 14 months1

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

Apply now

Earn Citi reward Points when you spend

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

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

1 Point

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

1 Point

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

1 Point

Linked Diners Club Card
on all Eligible Transactions

2 Points

 

A wealth of ways to spend your Citi reward Points

Pay with Points

With the Citi 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.»

Shop with Points

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

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.

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.§ To learn more, visit Citi Rewards.

Discover the benefits of a Citi Rewards Card

Get started with a discounted annual fee in the first year

Experience all the benefits of the Citi Rewards Card with no annual fee in the first year. Each year after that it's still packed with value at just $149.2

Complimentary Mobile Phone Insurance

Receive monthly cover on your eligible mobile phone for Accidental Damage or Theft when you pay your Monthly Mobile Plan bill with your Citi Rewards Card.*

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

Complimentary Purchase Cover Insurance and Extended Warranty Insurance

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

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

 Luxury Escapes Discount

Enjoy 10% off (up to $250) Limited Time LUX Exclusive hotel offers, within Australia and overseas, when you pay with your Citi Credit Card using promo code: CITI10. Available until 1 March 2023.$

 Enjoy cashback on Deliveroo orders

Get $10 cashback each month when you spend $25 or more, in one transaction, with Deliveroo.# Available from 1 April 2021 to 31 December 2022. The next time you're feeling peckish, choose from a wide range of delicious options, place your order and enjoy this cashback offer.

Another way to pay and earn rewards

With Citi PayAll, you can pay for your rent, taxes, education fees, property management fees, childcare, miscellaneous bills and more using your Citi Credit Card. For all Citi PayAll payments set up between 1 April 2021 to 31 October 2022, the Citi PayAll fee will be reduced to 0%.π You can turn payments into rewards by earning uncapped 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.π

More ways to pay

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

Rates and Fees

 

Balance transfer rate

0% p.a. for 14 months1 with no balance transfer fee. Reverts to cash advance rate.


Annual fee

$0 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

0% p.a. for 14 months.1 Reverts to variable retail purchase rate, currently 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).<


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 on our credit card fees and charges page.

Things you should know

Refer to the full Terms and Conditions related to this product here. To obtain a copy of the Target Market Determination (TMD) related to this product, click here.

National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to provide transitional services.

Our/us/we means NAB unless the context otherwise requires it. 

“Citi”, “Citibank”, “Citigroup”, the Arc design and all similar trade marks and derivations thereof are used temporarily under licence by NAB from Citigroup Inc. and related group entities.

Fees and charges apply. Credit Criteria apply. New card customers only and cannot be used in conjunction with any other offers.

  1. Purchases: The promotional rate of 0% p.a. will apply to the retail purchase balance for a promotional period of 14 months, commencing from the date your account is approved. At the end of the promotional period, the variable annual percentage rate for retail purchases, currently 21.49% p.a. will apply to the retail purchase balance. Please note you will not be entitled to any interest-free days on retail purchases at the end of the promotional period whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate.
    Balance Transfers: 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 within 90 days from card approval, for a period of 14 months, commencing from the date 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 Citi branded unsecured credit products.  For important information to consider before taking up a balance transfer, please click here.
    Minimum monthly payments required. Payments will be applied to your account as per the Credit Card Terms and Conditions and Other Important Information. Please note that if you make a retail purchase before your balance transfer is processed, payments made during the promotional period will be applied to the retail purchase balance before the balance transfer. This offer is valid until 31 August 2022. Post this advertised date; we reserve the right to continue, withdraw or change the offer at any time without notice.

  2. Subject to your acceptance you will not be billed an annual fee for 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 31 August 2022. Post this advertised date; we reserve the right to continue, withdraw or change the offer at any time without notice.

  • $10% discount is valid on 'Limited Time LUX Exclusive' hotel offers (excludes flights) at luxuryescapes.com/au or on the Luxury Escapes mobile app. Offer valid at Australian website only. Offer is valid exclusively to Citi branded credit cardholders and is not transferable. Maximum discount available per transaction is $250. Offer is valid until 1 March 2023. To be eligible, customers must use their Citi branded credit card at checkout along with the promo code CITI10, and the discount will be applied automatically. Excludes transactions made through a third-party establishment or payment processor. Offer is not valid on flights, LUX Partner Properties, LUX Premium Collection, Last Minute Escapes, Tours, Cruises, Experiences or Gift Cards. Offer is not combinable with any other discount or offer.

  • #Place an order of $25 or more at Deliveroo, either at deliveroo.com.au or in-app via the Deliveroo app, and pay with your Citi branded credit card to enjoy $10 cashback. Offer valid at Australian website only. Offer is limited to $10 cashback once a month from 1 April 2021 - 31 December 2022 and only spend on the primary cardholder's Citi branded credit card will count toward the offer. Excludes any payment made directly to a restaurant. Excludes transactions made through a third-party establishment or payment processor. Cashback will be credited to your Account within 60 days from the qualifying spend provided your Account is open and in good standing. Cashback will not be credited to your Account if the qualifying spend is refunded. Cashback will reduce the outstanding balance of your Account but will not count towards your next monthly repayment obligation. Please note that if you have a Balance Transfer you will be charged interest on any spend that you make.

  • *Mobile Phone Protection Insurance (Cover) is provided under and by way of a group policy (Group Policy) issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. This Cover is available to Cardholders ("you/your") while you remain an eligible Mastercard and/or Visa cardholder of NAB, subject to NAB’s and AIG's right to alter the Cover. The terms, conditions and excluded cover are specified in the 'Citi Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions' as amended from time to time. When eligible, you have the benefit of cover as a third party beneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. Neither Citi nor NAB is the issuer or insurer of the Cover. Neither Citi nor NAB nor any of its related corporations guarantee any of the benefits under the Cover. Please note that you must have a contract with a mobile phone provider and a monthly automatic billing arrangement.

  • @All rewards are subject to the Terms and Conditions of the Citi Rewards Program. The Citi Rewards Credit Card earns 1 Point per $1 on eligible Domestic Spend up to $10,000 per Statement Period and 1 Point per $1 on eligible International Spend, uncapped. 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.

  • πCiti 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 the Citi Mobile® App 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. For all Citi PayAll payments set up between 1 April 2021 to 31 October 2022 (the Period), the Citi PayAll fee will be reduced to 0%. Any recurring Citi PayAll payments set up during the Period will not incur the Citi PayAll fee for the duration in which those payments are scheduled to occur. Any Citi PayAll payments set up after the Period ends will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment. Any recurring Citi PayAll payments set up prior and after the Period will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment. This fee will apply to all recurring payments made for the duration in which those payments are scheduled to occur. 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.

  • 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.

  • 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 branded 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 National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) to administer your Diners Club Card. NAB is the credit provider and issuer of Citi branded credit cards and has acquired the business relating to these products from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098). Any credit balance in your Diners Club Card Account is not a deposit liability of NAB or any other affiliate of NAB, and is not a protected account and is not guaranteed.

  • All rewards on your Linked Diners Club Card are subject to the Terms and Conditions of the Citi 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.

  • »This feature is known as Pay with Points. 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 Citi 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.

  • =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 Citi 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 Citi Rewards Program.

  • 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.

  • §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.

  • ~Complimentary insurance covers are subject to eligibility requirements: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business.  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. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

  • >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.

  • <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.

Diners Club Pty Limited ABN 35 004 343 051.

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