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Citi Prestige credit card
275,000 bonus Citi reward Points
when you spend $10,000 on eligible purchases within 3 months from approval.1

Apply now

Insurance
4th Night on Us
Book four consecutive nights or more at a range of hotels with Luxury Escapes and receive a credit back for one night (up to $1,000 credit per booking). T&Cs apply.ø
Plane
Priority Pass™
Unlimited complimentary access to over 1,500 Priority Pass™ lounges around the world for you and one guest.
Car
Uber Rides Cashback
Enjoy $10 cashback once per month when you spend $40 or more with Uber Rides within the same month.

Earn Citi reward Points when you spend

International Spend

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

Citi reward Points
per $1 spent

3 Points
 

Domestic Spend

on Eligible Transactions¥ made directly with major: airlines, hotel chains and restaurants in Australia

Citi reward Points
per $1 spent

3 Points
 

Domestic Spend

on Eligible Transactions¥ made directly with major: supermarkets, petrol outlets and national retailers

Citi reward Points
per $1 spent

2 Points
 

Domestic Spend

on all other Eligible Transactions¥ including Citi PayAll Paymentsπ

Citi reward Points
per $1 spent

1 Point

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
$700

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
$20,000

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.§

A card that works harder for you

4th Night on Us

4th Night on Us

Book four consecutive nights or more at a range of hotels with Luxury Escapes and receive a credit back for one night (up to $1,000 credit per booking).

T&Cs apply.ø

Learn more >

Airport Lounge Access

Airport Lounge Access

Leave airport crowds behind with unlimited complimentary access to over 1,500 Priority Pass™ lounges around the world for you and one guest.

T&Cs apply.

Learn more >

Uber Rides Cashback

Uber Rides Cashback

Enjoy $10 cashback once per month when you spend $40 or more with Uber Rides within the same month.

T&Cs apply.

Learn more >

Complimentary Mobile Phone Insurance

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 >

Save with discounts and cashback with Wrapd

Save with discounts and cashback with Wrapd

Save time and money with Wrapd, your go-to shopping platform. Browse and shop from a diverse mix of global, local and emerging brands including COS, Net-A-Porter, Mytheresa, July, R.M Williams and more. Plus enjoy complimentary VIP membership for one year to access exclusive discounts, cashback offers and new arrivals.

Offer ends 30 September 2024. T&Cs apply.«

Learn more >

Complimentary International Travel Insurance

Spend a minimum of $500 towards your overseas holiday with your Citi Prestige 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 >

Luxury Escapes

Luxury Escapes

Enjoy 10% off Limited Time LUX Exclusive hotel offers (up to $500) and international tours (up to $250) with your Citi Prestige Card. Valid until 1 March 2025.

T&Cs apply.$

Learn more >

Concierge Service

Concierge Service

A personal concierge service to help you get the most out of your next occasion or experience. Available from anywhere in the world, 24 hours a day, 7 days a week. T&Cs 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 >

Citi Instalment Plans

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

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

Citi Credit Card Benefits

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

Learn more >

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 Prestige 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
    To be eligible to receive 275,000 bonus Citi reward Points, you must spend a minimum of $10,000 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 bonus Citi reward Points will be credited to your Rewards Balance within 2 months of meeting the spend criteria. Your Citi Prestige 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. All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Please note that if you have a balance transfer you will not be entitled to any interest free days on retail purchases. This means that all spend will be charged interest at the applicable annual percentage rate. 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 from the date the balance transfer is processed. At the end of the balance transfer promotional 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.

  • ø4th 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 is renewed each year unless specified otherwise. 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). Luxury Escapes Pty Ltd pays a commission to National Australia Bank for certain booking types. Offer valid from 1 June 2024 until 31 December 2024 (Benefit Period) and is renewed each year unless we notify you otherwise. Please refer to the full Terms and Conditions for further information.

  • $Luxury Escapes
    10% discount is valid on 'Limited Time LUX Exclusive' hotel offers (excludes flights) or any international tour at luxuryescapes.com/au or on the Luxury Escapes mobile app. Offer valid at Australian website only. Offers are valid exclusively to Citi Prestige cardholders and is not transferable. Maximum discount available per transaction is $500 for Limited Time Lux Exclusive hotels and $250 for international tours. Offers are valid if booked by 1 March 2025. To be eligible, customers must use their Citi Prestige Card at checkout along with the promo code PRESTIGECITI10 when purchasing Limited Time LUX Exclusive hotels, or CITITOUR10 when purchasing an international tour, 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, Cruises, Experiences or Gift Cards. Offer is not combinable with any other discount or offer.

  • Airport lounge access
    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/prestigeaumc. 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.

  • Uber Rides cashback
    To be eligible to receive the $10 cashback you must be enrolled in My Cashback. Limited to $10 cashback once per calendar month when you spend a minimum of $40 in one or more transactions with your Citi Prestige Mastercard. Payment must be made directly with Uber Rides via the Uber App. Excludes Uber Eats, Uber Pass and transactions made through a third-party establishment or payment processor. Cashback will be credited to your Account within 30 days from the qualifying spend provided your Account is open and in good standing (for example – your account is not in default, suspended or closed). 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.

  • ¥Points earn rate
    All rewards are subject to the Terms and Conditions of the Citi Rewards Program. The Citi Prestige Card earns 3 Points per $1 on eligible International Spend and for selected purchases made and booked directly from a range of major restaurants and restaurant chains, major hotel chains, major travel agencies, major travel aggregators and flights directly booked with major airlines. 2 Points per $1 for selected purchases made at major petrol outlets, major supermarkets and major national retailers. 1 Point per $1 spent everywhere else on Eligible Transactions. The Citi Prestige Card earns 1 Point per $1 on Citi PayAll payments unless enrolled in Qantas Points which earns 0.5 Point per $1 on Citi PayAll Payments. 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. Citi PayAll Payments are for Domestic Spend only, International Spend is excluded. Please click here for the full definition of Eligible Transactions. Please note purchases not ordered or booked directly from the restaurant (e.g. through a delivery company) are not included in the higher earn rate. Please note that whether or not a purchase is eligible to earn Points and how many (e.g. whether the merchant is a "major restaurant") will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). If, for example, a restaurant is not classified as a restaurant by the card scheme, it will not be treated as a "major restaurant" for calculating Points. Points do not expire while the card remains open and in good standing (for example – your account is not in default, suspended or closed).

  • 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.

  • »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.

  • =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, Hotel and Other Loyalty Program in which you wish to claim Airline, Hotel and Other Loyalty Points and have advised us of your airline and hotel loyalty program membership number prior to any such redemption. Membership of an airline and hotel loyalty program will be subject to the terms and conditions of that program. Airline, Hotel and Other Loyalty Points may take up to 28 business days to appear in your Airline, Hotel and Other Loyalty Program membership account.

  • <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.

  • ~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.

  • «Save with discounts and cashback with Wrapd
    Receive one-year complimentary VIP membership of Wrapd. To redeem this offer, you must download the Wrapd app, create an account, enter referral code WRAPDCITI and the first six digits of your Citi credit card number. This offer is available for Citi Prestige, Citi Premier and Citi Rewards cardholders. This offer is redeemable until 30 September 2024. If you are an existing Wrapd member, you will be eligible to redeem this offer by contacting Wrapd via in-app support and providing the offer code by 30 September 2024. If you already have a Wrapd VIP membership, you will be eligible to redeem this offer upon the expiration of your current membership before 30 September 2024. If you redeem this offer with Wrapd, your use of the Wrapd app will be subject to Wrapd’s terms and conditions available here. $5 will be credited to your account upon redemption and will be available within 24 hours in your Wrapd wallet. Cashback applicable offers are listed throughout the app. To withdraw your funds, you must have accumulated a minimum of $10 cashback and have a PayPal account. The cashback will be deposited into your PayPal account within 3 - 5 working days. For more information on cashback offers, please take a look at the FAQs available at https://www.wrapd.ai/pages/faq.

  • *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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