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Things you should know

Fees and charges apply. Credit criteria apply. New credit card customers only. These offers are not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer. A credit check is performed each time you apply for a credit card. Credit reporting bodies make a record of these enquiries and this information may be used and disclosed for the purposes of assessing your credit worthiness, including your credit score and credit rating. For example, making multiple credit applications over a short period of time could have a negative effect on your credit score, as this may reduce your chances of approval.

Refer to the full Terms and Conditions related to these products here. To obtain a copy of the Target Market Determination (TMD) related to these products, 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 Limited (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.

Citi Premier Credit Card Offers

150,000 bonus Citi reward Point offer:

1. Bonus Citi reward Points offer

120,000 bonus Citi reward Points: You will receive 120,000 bonus Citi reward Points when you spend a minimum of $7,000 on eligible purchases using your new card within 3 months from approval. Eligible purchases exclude Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria. The 120,000 bonus Citi reward Points will be credited to your Rewards Balance within 2 months of meeting the spend criteria. Additional 30,000 bonus Citi reward Points: An additional 30,000 bonus Citi reward Points will be credited to your Rewards Balance within 3 months of your Account being open for 12 months, provided it has been activated by you. All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Your Citi Premier Card must remain open, in good standing (for example – your account is not in default, suspended or closed) and enrolled in the Citi Rewards program for the bonus Citi reward Points to be awarded. Please note, you will be charged interest on retail purchases while you have a balance transfer. This offer commenced 20 November 2024. We may vary or end this offer at any time. This offer is not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer.

2. Balance transfer offer

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 3 months from card approval for a period of 6 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 22.99% p.a. This offer excludes balances transferred from Citi branded unsecured credit products. Please note, you will be charged interest on retail purchases while you have a balance transfer. For important information to consider before taking up a balance transfer, please click here. This offer commenced 20 November 2024. We may vary or end this offer at any time.

100,000 bonus Qantas Points

3. Bonus Qantas Points offer

70,000 bonus Qantas Points: You will receive 70,000 bonus Qantas Points when you spend a minimum of $6,000 on eligible purchases using your new card within 3 months from approval. Eligible purchases exclude Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria. The 70,000 bonus Qantas Points will be credited to your Qantas Frequent Flyer membership account within 2 months of meeting the spend criteria. Additional 30,000 bonus Qantas Points: An additional 30,000 bonus Qantas Points will be credited to your Qantas Frequent Flyer membership account within 2 months of your Account being open for 12 months, provided it has been activated by you. Your Citi Premier Qantas Credit Card must remain open, in good standing (for example – your account is not in default, suspended or closed) and enrolled in Citi Qantas Rewards for the bonus Qantas Points to be awarded. All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Qantas Points are defined in the Citi Rewards and Citi Qantas Rewards Program Terms and Conditions as Qantas Frequent Flyer Points. You must be a member of the Qantas Frequent Flyer Program and provide your membership number to us. A joining fee may apply. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions, available at qantas.com/terms. This offer commenced 20 November 2024. We may vary or end this offer at any time. This offer is not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer.

Additional Terms & Conditions

» Pay with Points

Pay with Points is available on eligible purchases. An eligible purchase is a transaction we will present to you in your Citi Mobile^® App or Citi Online that can be paid by redeeming your reward Points. The types of transactions that may be paid by redeeming your reward Points may change and we will present these to you in the Citi Mobile^® App or Citi Online. The estimated Pay with Points value in the above example is based on current redemption rates as at 28 November 2024 and is subject to change.

& Citi reward Points earn rate

All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Citi Premier Credit Card earns 2 Points per $1 for Eligible Transactions made online, 1 Point per $1 spent everywhere else on eligible Domestic Spend and 2 Points per $1 spent on eligible International Spend. The Points earn is capped at 200,000 points over a 12 month period. The annual cap will reset on your next statement cycle date following the anniversary of your enrolment to your Rewards program. The cap includes points earned on Domestic and International spend. 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. Points do not expire while the card remains open and in good standing (for example – your account is not in default, suspended or closed). Transactions made indirectly with the online merchants (e.g. through a third party provider such as BPAY and PayPal), mobile wallet or recurring payments are not eligible for the higher earn rate. Please note, a transaction qualifies as an Eligible Transaction made online if it is made via the internet or a mobile application, which is reflected as an online transaction by system indicators and processed by the respective merchants/ acquirers as an online transaction through Visa/Mastercard networks. If a transaction with an online merchant is not classified as an online transaction by the card scheme, it will not be treated as an online transaction for calculating Points. The annual cap will reset on your next statement cycle date following the anniversary of your enrolment to your Rewards program. Please click here for the full definition of Eligible Transactions. The cap includes Points earned on Domestic and International spend.

+ Qantas Points earn rate

All rewards are subject to the Terms and Conditions of the Citi Qantas Rewards Program. Citi Premier Qantas Credit Card earns 1 Point per $1 for Eligible Transactions made online, 0.5 Point per $1 spent everywhere else on eligible Domestic Spend and 1 Point per $1 spent on eligible International Spend. The points earn is capped at 100,000 points over a 12 month period. The annual cap will reset on your next statement cycle date following the anniversary of your enrolment to your Rewards program. The cap includes points earned on Domestic and International spend. 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. Points do not expire while the card remains open and in good standing (for example – your account is not in default, suspended or closed). Qantas Points are defined in the Citi Rewards and Citi Qantas Rewards Program Terms and Conditions as Qantas Frequent Flyer Points. Qantas Points are earned in accordance with the Citi Qantas Rewards Program Terms and Conditions. You must be a member of the Qantas Frequent Flyer Program and have advised us of your Qantas Frequent Flyer Program membership number before you can participate in Citi Qantas Rewards. You will only earn Qantas Frequent Flyer Points after you advise us of your Qantas Frequent Flyer Program membership number. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions, available at qantas.com/terms. Your Rewards Balance will be automatically redeemed for Qantas Frequent Flyer Points at the end of each Statement Period. It may take 28 business days for the Qantas Frequent Flyer Points to appear in your Qantas Frequent Flyer membership account. Transactions made indirectly with the online merchants (e.g. through a third party provider such as BPAY and PayPal), mobile wallet or recurring payments are not eligible for the higher earn rate. Please note, a transaction qualifies as an Eligible Transaction made online if it is made via the internet or a mobile application, which is reflected as an online transaction by system indicators and processed by the respective merchants/ acquirers as an online transaction through Visa/Mastercard networks. If a transaction with an online merchant is not classified as an online transaction by the card scheme, it will not be treated as an online transaction for calculating Points. The annual cap will reset on your next statement cycle date following the anniversary of your enrolment to your Rewards program. Please click here for the full definition of Eligible Transactions. The cap includes Points earned on Domestic and International spend.

~ Complimentary Insurances

Complimentary insurance covers: 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, exclusions, limits and applicable sub-limits of the group policy are set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet effective 1 July 2025 which may be amended from time to time. For insurable events that occurred prior to 1 July 2025, please refer to Citi Credit Cards Complimentary Insurance Policy Information Booklet dated 1 November 2023. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

∞ Citi Premier Card - Priority Pass^™

One complimentary digital Priority Pass^™ Standard Membership, with two complimentary lounge visits, for the primary cardholder is a special feature of the Citi Premier Card. Citi Premier Cardholders must enrol for the Priority Pass^™ Standard Membership at www.prioritypass.com/premieraumc and follow the prompts. You will need to download the Priority Pass^™ App via the Apple App Store or get it on the Google Play Store to access your Digital Membership Card. The first two visits within each 12-month membership period from registration (membership year) are complimentary to the primary cardholder only, after which any additional visits by you and visits by your guests will be charged directly to you by Priority Pass^™ at their ordinary standard rates. Unused visits cannot be carried forward to the following membership year. The total number of complimentary visits will be reset to two at the beginning of each membership year while you remain a Citi Premier Cardholder. The membership is subject to the Priority Pass^™ Conditions of Use. Please note that within Australia, Priority Pass^™ is available at select airports. For the full list of up-to-date airport lounges and Priority Pass^™ Conditions of Use please refer to www.prioritypass.com.

≥ Citi Prestige Card - Priority Pass^™

One complimentary digital Priority Pass^™ Membership, with unlimited lounge visits, for the primary cardholder is a Special Feature of the Citi Prestige Card. Citi Prestige Credit Cardholders must enrol for the Priority Pass^™ Standard Membership at www.prioritypass.com/premieraumc. The primary cardholder may bring one guest for free per visit. Any additional guests will be charged directly by the lounge. You will need to download the Priority Pass^™ App via the Apple App Store or get it on the Google Play Store to access your Digital Membership Card. The membership is subject to the Priority Pass^™ Conditions of Use. Please note that within Australia, Priority Pass^™ is available at select airports. For the full list of up-to-date airport lounges and Priority Pass^™ Conditions of Use please refer to www.prioritypass.com along with the Citi Prestige Credit Card Benefit Terms and Conditions for further information.

π 5% discount on international flights with Trip.com

To be eligible to receive the 5% discount on your international flight from Australia, the flight must be booked via the unique Trip.com link on either the Mobile App or website from 28 November 2024 to 31 December 2025 for travel by 30 September 2026. To receive the 5% discount, you must enter the promotional code at checkout and pay with your eligible Citi Credit Card. Eligible cards are Citi Prestige Mastercard, Premier Mastercard, Rewards Mastercard, Simplicity Mastercard, Clear Mastercard and Classic Plus Card. The discount will apply to the price including taxes and fees. This discount applies to single, return and multi-city flights from Australia. Bookings of "flight+hotel" and "ticket+hotel" are excluded from this promotion. Only one promo code can be applied to each reservation. Promo codes cannot be used in conjunction with any other promotions or offers and cannot be exchanged for cash or Trip Coins. Cancellation policy may vary. Please refer to the cancellation policy of the specific ticket type before booking. Trip.com reserves the right to cancel any bookings of members who engage in fraudulent, disruptive, or abusive behaviour, or who violate these terms. We may vary or cancel the discount offer at any time acting reasonably. We may vary or end this offer at any time. Other forms of payment e.g. PayPal, gift cards or loyalty points will not be eligible for the discounted offer. Listed Citi Credit Cards are eligible provided your account is open and in good standing (for example - your account is not in default, suspended or closed).

¥ $10 monthly cashback with BINGE

To be eligible for the $10 monthly cashback (Cashback Offer) your monthly payment for your BINGE Standard or BINGE Premium subscription must be made between 20 November 2024 – 31 October 2025 (Promotional Period) using your eligible Citi Prestige Mastercard, Citi Premier Mastercard, Citi Rewards Mastercard, Citi Clear Mastercard credit cards. The Cashback Offer is only available on BINGE Standard or Premium monthly subscriptions. BINGE Standard and Premium subscriptions will automatically renew each month at full RRP. Must sign up via binge.com.au. Excludes sign ups via Hubbl.com.au. This Cashback Offer cannot be used in conjunction with any other offer, promotion, special offer, discount, coupon, or discount code, nor is it transferrable. Subscriptions purchased using any other form of payment (e.g. through a third-party establishment or payment processor such as Telstra, PayPal, gift cards, Apple Pay, Samsung Pay and Google Pay, or loyalty points) will not be eligible for the Cashback Offer. The Cashback Offer will be credited to your account by the next statement after the eligible BINGE subscription has been purchased each month you stay subscribed to BINGE during the Promotional Period, provided your account is in good standing (for example – your account is not in default, suspended or closed).  Cashback will not be credited to your account if the qualifying spend is refunded. Customers who upgrade to the BINGE Standard or Premium plan during the Promotional Period, otherwise in accordance with these terms, will be eligible for the Cashback Offer, which will be paid by the statement after first full payment of the higher subscription fee.  The Cashback Offer payment will reduce the outstanding balance of your credit card account but will not count towards your next minimum monthly repayment obligation. Please note that if you have a Balance Transfer you will be charged interest on any spend that you make. Credit is not redeemable for cash or other payment form. Use of BINGE requires acceptance of the Hubbl Streaming & Account Customer Terms. BINGE is not available for use in Very Remote regions of Australia. Cashback is limited to one cashback a month per card account. Please note that any questions regarding your BINGE subscription should be directed to BINGE Support. Any questions regarding your cashback or credit card account should be directed to the Citi Customer Service Team. We may vary or end this offer at any time.

* Mobile Phone Insurance

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.

$ Luxury Escapes

For Citi Prestige Cards: 10% discount is valid on 'Limited Time LUX Exclusive' hotel offers in Australia and 15% discount on ‘Limited Time LUX Exclusive’ international hotel offers and a 10% discount on international tours (excluding flights) at luxuryescapes.com/au or on the Luxury Escapes mobile app. Offer valid at Australian website only. Offer is exclusive to Citi Prestige Credit Cardholders and is not transferable. Maximum discount available per transaction is $500 for Limited Time Lux Exclusive hotels and $250 for international tours. Offer is valid if booked by 1 March 2026. To be eligible, customers must use their Citi Prestige Credit Card at checkout along with the promo code PRESTIGELUX when purchasing ‘Limited Time LUX Exclusive’ hotels, or MYLUXTOURS10 when purchasing an international tour, and the discount will be applied automatically. Excludes transactions made through a third-party establishment or payment processor. We may vary or end this offer at any time acting reasonably. We will notify you of any changes electronically (including via www.citibank.com.au/credit-cards/benefits) or other appropriate method as soon as reasonably practicable. Offer is not valid on flights, LUX Partner Properties, LUX Premium Collection, Last Minute Escapes, Cruises, Experiences or Gift Cards. Offer is not combinable with any other discount or offer. Offer ends 1 March 2026.
For all other cards: 10% discount is valid on 'Limited Time LUX Exclusive' hotel offers in Australia and 15% discount on ‘Limited Time LUX Exclusive’ international hotel offers and a 10% discount on international tours (excluding flights) at luxuryescapes.com/au or on the Luxury Escapes mobile app. Offer is valid at Australian website only. Offer is exclusive to Citi branded cardholders and is not transferable. Maximum discount available per transaction is $250. Offer is valid if booked by 1 March 2026. To be eligible, customers must use their Citi branded card at checkout along with the promo codes MYLUXPROMO when purchasing ‘Limited Time LUX Exclusive’ hotels or MYLUXTOURS10 when purchasing an international tour, and the discount will be applied automatically. Excludes transactions made through a third-party establishment or payment processor. We may vary or end this offer at any time acting reasonably. We will notify you of any changes electronically (including via www.citibank.com.au/credit-cards/benefits) or other appropriate method as soon as reasonably practicable. Offer is not valid on flights, LUX Partner Properties, LUX Premium Collection, Last Minute Escapes, Cruises, Experiences or Gift Cards. Offer is not combinable with any other discount or offer. Offer ends 1 March 2026.

£ 10% off selected hotels with Expedia or Wotif

To receive the 10% discount on your stand-alone prepaid hotel booking at participating hotels you must book via the unique www.expedia.com.au/traveloffer  or www.wotif.com/traveloffer link from 25 February 2025 to 31 January 2026 for stays completed by 30 June 2026, enter the Coupon code on the payment page, and pay with your valid Citi Credit Card issued by NAB. Discount applies to the first room in multi-room bookings and cannot be combined with other Coupon codes or applied to past bookings. Taxes, fees, and other charges are not included in the discount. The offer is subject to availability and Expedia and Wotif booking terms (see Expedia and Wotif). We may vary or end this offer at any time acting reasonably. We will notify you of any changes electronically (including via www.citibank.com.au/credit-cards/benefits) or other appropriate method as soon as reasonably practicable. NAB may receive a commission from Expedia or Wotif on all hotel bookings made under this offer.

< Interest free period

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.

^ Citi Instalment Plan

Citi Instalment Plan is defined in the Credit Card Terms and Conditions as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). For the full terms and conditions that apply to Fixed Payment Options, please refer to the Credit Card Terms and Conditions and Other Important Information.

∆ My Cashback offers

My Cashback offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). For more information, visit the My Cashback page.

% Personal Concierge Service

Concierge Services is a complimentary service available to the Primary Cardholder only. For more information, including how to contact Concierge Services, visit the Citi Premier Credit Card Benefits or Citi Prestige Credit Card Benefits. See the Terms and Conditions of the Citi Rewards Program for more details.

ø 4th Night on Us

The promo code "CitiPrestige" must be applied at checkout to redeem the benefit. 4th Night on Us benefit is capped at 4 redemptions per calendar year and bookings must be made and used in the same calendar year. The credit amount is capped at $1,000 per redemption. 4th Night on Us is a special feature of the Citi Prestige Credit Card. Valid for Citi Prestige Primary Cardholders only. A minimum of 4 consecutive nights' stay is required in order to receive a credit for one night. This benefit cannot be used in conjunction with other offers/benefits. The credit value of the one night is calculated as the average nightly room rate for the total nights' stay. Only one credit amount will be paid per Citi Prestige Primary Cardholder per room per booking. Booking for the accommodation must be of the same room types. Back-to-back stays are not allowed. Back-to-back stays are stays at the same city/state booked on two reservations (as an example, you book four nights at a hotel on one reservation for Monday, Tuesday, Wednesday and Thursday and book another four nights on another reservation for Friday, Saturday, Sunday and Monday. In this situation, you would only be eligible for one complimentary night for the 8-night stay). Between each booking, a minimum of a 7-day window is required. Luxury Escapes Pty Ltd pays a commission to National Australia Bank for certain booking types. Offer is renewed each year unless we notify you otherwise. Please refer to the full Terms and Conditions for further information.

∝ Uber Premier $100 cashback

To be eligible to receive the Uber Premier $100 cashback, as the primary cardholder, you must make the booking for an Uber Ride via the Uber app and spend AUD$100 or more in one transaction using your Citi Prestige Card.  The benefit is capped at one redemption per calendar year.  Payment must be made directly with your Citi Prestige Card via the Uber app. Excludes Uber Eats, Uber Pass, Uber Gift Card and transactions made through a third-party establishment or payment processor. The Uber Premier $100 Cashback will be calculated on the first eligible spend during the calendar year and credited to your account within eight weeks after the qualifying transaction is processed provided your account is open and in good standing (for example – your account is not in default, suspended or closed). Cashback will not be credited to your account if the qualifying spend is refunded or reversed. Cashback will reduce the outstanding balance of your account but will not count towards your next monthly repayment obligation depending on when it is credited to your account. Please refer to the full Terms and Conditions for further information. Only available for travel within Australia.

= Shop with Points

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, 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.

§ Points transfer

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.