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Citi Premier Credit Card
200,000 bonus Citi reward Points

when you spend $7,000 on eligible purchases in the first 3 months from approval and keep your card open for over 12 months.1
That's $800 when you Pay with Points.»

Apply now

Insurance
Earn Citi reward Points
Earn up to 2 Citi reward Points per $1 spent on Eligible Transactions, up to 200,000 Points over a 12 month period.&
Star
Priority PassTM
Receive two complimentary airport lounge visits every year when you enrol in Priority PassTM.
Card
Complimentary Mobile Phone Insurance
Pay your monthly mobile phone bill with your Citi Premier Credit Card and you'll receive Accidental Damage and Theft insurance cover.*

3 simple steps to unlock 200,000 bonus Citi reward Points1

Effortless application

1. Effortless application

Apply for the Citi Premier Credit Card with a swift 10 minute process.

Shop and earn

2. Shop and earn

Spend $7,000 on eligible purchases within 3 months from approval to earn an impressive 150,000 bonus Points.

Enjoy long-term rewards

3. Enjoy long-term rewards

Keep your card open for over 12 months and we'll add an additional 50,000 bonus Points to your total.

 

Earn Citi reward Points when you spend

Online Spend

on Eligible Transactions& made online

Citi reward Points
per $1 spent

2 Points
 

International Spend

on Eligible Transactions& made overseas or online with a merchant that is based overseas

Citi reward Points
per $1 spent

2 Points
 

Domestic Spend

on all other Eligible Transactions&

Citi reward Points
per $1 spent

1 Point

Citi reward Points are capped at 200,000 per 12 month period when you use your Citi Premier Credit Card on Eligible Transactions on Online Spend, International Spend and Domestic Spend.&

Rates and fees

Balance transfer rate
0% p.a. for 6 months2 with no balance transfer fee. Reverts to cash advance rate. Please note, you will be charged interest on retail purchases while you have a balance transfer.

Annual fee
$150 in the first year and each subsequent year if you spend $48,000 on eligible purchases or cash advances in the previous year. Otherwise $300.3

Additional cardholder fee
$0. You may have up to 4 additional cardholders, who must be 16 years or older.

Retail purchase rate
21.49% p.a. or pay off eligible purchases at a fixed interest rate over a set term with a Citi Instalment Plan.^

Cash advance rate
22.24% p.a.

Interest free period
Up to 44 days interest-free on retail purchases (unless you have a balance transfer).<

Minimum credit limit
$10,000

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.

A wealth of ways to spend your Citi reward Points

Pay with Points

Pay with Points

Redeem your Citi reward Points for eligible purchases and receive a credit back.»

Shop with Points

Shop with Points

Use your Citi reward Points to pay for purchases at kogan.com.=

Transfer your Points

Transfer your Points

Easily transfer your Citi reward Points to a variety of Airline and Other Loyalty Programs including Flybuys, Singapore Airlines KrisFlyer and Velocity Frequent Flyer.§

 

Find out more

A card that works harder for you

Airport Lounge Access

Two airport lounge visits yours to enjoy every year with your complimentary Priority Pass™ membership.

T&Cs apply.

Learn more >

Complimentary Mobile Phone Insurance

Because accidents happen. Complimentary mobile phone insurance is now available on eligible Citi Credit Cards. We've got you covered.

T&Cs apply.*

Learn more >

Complimentary International Travel Insurance

Spend a minimum of $500 towards your overseas holiday with your Citi Premier credit card and you may be covered for medical expenses, cancellation, loss or theft of personal items and more.~

Eligibility, terms, conditions, limits, exclusions and applicable sub-limits apply.

Learn more >

My Cashback

Get more with My Cashback

Enjoy a range of cashback offers from brands you love and shop with.

T&Cs apply.

Learn more >

Luxury Escapes

Enjoy 10% off (up to $250) Limited Time LUX Exclusive hotel offers with your Citi Premier Card. Valid until 1 March 2025.

T&Cs apply.$

Learn more >

Citi Instalment Plans

Break big purchases into smaller, more manageable monthly repayments at a fixed rate over a set term. 

T&Cs apply.^

Learn more >

Citi PayAll

Pay your rent, taxes, education fees and more with your Citi Credit Card. The Citi PayAll fee is currently 0.95% as outlined in the Financial Table and is set at the point of scheduling your Citi PayAll payment.

T&Cs apply.π

Learn more >

Citi Credit Card Benefits

Keep up to date with the latest offers and benefits available on your Citi credit card.

Learn more >

Trade-offs

Higher ongoing retail purchase rate

Higher ongoing retail purchase rate than our Citi Clear Card.

Annual fees apply

Annual fees apply. For a no annual fee credit card see our Citi Simplicity Card.

Unable to earn airline points

A lower reward Point earn rate than our Citi Prestige Card.

Contactless payment with your smartwatch

More ways to pay

Enjoy the ease of cashless and contactless payments with your Citi Credit Card. Simply tap and pay with your card in hand, on your phone, or on your wearable.

Learn how to set up a mobile wallet >

Learn about Apple Pay >

Learn about Google Pay >

Learn about Samsung Pay >

Multiple cards

Browse our full range of cards to find the offer and benefits that are right for you.


Find out more

FAQs

Things you should know

Fees and charges apply. Credit criteria apply. New Citi Premier credit card customers only and cannot be used in conjunction with any other offers.

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 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.

  1. Bonus Citi reward Points
    150,000 bonus Citi reward Points: You will receive 150,000 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, fees, refunds and Chargebacks. The 150,000 bonus Citi reward Points will be credited to your Rewards Balance within 2 months of meeting the spend criteria. Additional 50,000 bonus Citi reward Points: An additional 50,000 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 22 February 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 22.24% 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 22 February 2024. We may vary or end this offer at any time.

  3. Annual fee
    Subject to your acceptance you will be billed an annual fee of $150 for the first year and every year afterwards if you spend a minimum of $48,000 on eligible Retail Purchases and Cash Advances in each 12-month period, starting from the date your Account was approved in accordance with our Credit Card Terms and Conditions and Other Important Information. Excludes Balance Transfers, Special Promotions, interest, fees, refunds and Chargebacks. If you do not meet the minimum spend in the previous year you will be charged an annual fee of $300. Annual fees are subject to change. If you subsequently opt out of Citi Rewards and into Citi Qantas Rewards an annual fee of $350 will apply to your account instead. Please note, you will be charged interest on retail purchases while you have a balance transfer. This offer commenced 22 February 2024. We may vary or end this offer at any time.

  • &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. The Citi Premier Card earns 1 Point per $1 on Citi PayAll payments. Citi PayAll Payments are for Domestic Spend only, International Spend is excluded. 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.

  • Airport lounge access
    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.

  • $Luxury Escapes
    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 if booked by 1 March 2025. 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.

  • »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 22 February 2024 and is subject to change.

  • =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.

  • <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.

  • §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.

  • ^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.

  • πCiti PayAll
    Citi PayAll payments 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). 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. The Citi PayAll fee is currently 0.95% and is part of your Terms and Conditions including your Financial Table. This fee is set at the point of scheduling your Citi PayAll payment, applies for the duration the Citi PayAll payments are scheduled and is charged to your account each time a Citi PayAll payment is made. For more information please refer to Citi PayAll fees by visiting Citi Credit Card Fees and Charges. 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.

  • ~Additional Complimentary Insurances
    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 (Allianz) 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 which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

  • *Mobile Phone Protection 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.

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