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Citi Rewards credit card

Score 175,000 bonus Citi reward Points

when you spend $3,000 in the first 90 days from approval and keep your card for over 12 months.1


Apply now  Or call us on 1300 032 824

Call to Apply

Travel icon
Discount on selected hotel offers with Luxury Escapes until 1 March 2023$
icon
Cashback on Deliveroo available until 30 June 2022#
Insurance icon
Complimentary mobile phone insurance*
175,000
bonus Citi reward Points

Spend $3,000 on eligible purchases within the first 90 days from approval and you’ll get 100,000 bonus Citi reward Points. Plus, get an additional 75,000 bonus Citi reward Points when you keep your card for over 12 months.1

Benefits of the Citi Rewards credit card

Luxury EscapesLuxury Escapes – Enjoy 10% off (up to $250) Limited Time Lux Exclusive hotel offers until 1 March 2023$
Earn ponitsCashback on Deliveroo - Enjoy $10 cashback on one Deliveroo order of $25 or more every month until 30 June 2022#
Earn ponitsComplimentary mobile phone insurance - Enjoy monthly cover on your eligible mobile phone for Accidental Damage or Theft when you pay your Monthly Mobile Plan bill with your Citi Rewards credit card*
Balance transfer rate
0% p.a. for 15 months2 with no balance transfer fee. Reverts to cash advance rate. Please note, no interest free days apply to retail purchases while you have a balance transfer.

Annual fee
Just $49 in the first year, then $149 after that.3

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

Retail purchase rate
21.49% p.a. 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 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.

 

giftEarn 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

Pay for almost anything with your Citi reward 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

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

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

A range of redemption options.

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

Citi reward Points Transfer.

With points transfer, you can easily transfer your Citi reward Points to a variety of Airline and Other Loyalty Programs including: Velocity Frequent Flyer, Emirates Skywards, Singapore Airlines KrisFlyer, Flybuys and many more.§
To learn more, visit Citi Rewards.


 

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

Earn Citi reward Points faster with a Linked Diners Club Card

Enjoy an uncapped earn rate of 2 Citi reward Points per $1 spend on all Eligible Transactions.

No International Transaction Fees with a Linked Diners Club Card

Shop online or overseas and pay no International Transaction Fees when you use your Linked Diners Club Card.

Accepted more places than you think

Linked Diners Club Cards are accepted at Coles, Woolworths, Bunnings and many more retailers at home and abroad (See a full list of retailers here).

Convenience at your fingertips

One Rewards Balance, one PIN, one monthly payment and Citi Online access.


 

Want more control and security?

Citi Instalment Plans

Break big expenses into smaller, fixed monthly repayments.

Citi Instalment Plans make it easier to pay for life's expenses, whatever they are and whenever they crop up. You can break purchases into smaller, more manageable monthly repayments at a fixed rate over a set term.Learn more about Citi Instalment Plans

More ways to pay

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

Leave your wallet at home and pay the easy way with your smartphone. Experience a faster, more convenient way to pay. Learn how to set up a mobile wallet.

24/7 worldwide security

Round-the-clock customer service and fraud protection.

With ongoing monitoring, global fraud protection and alerts, you can rest assured knowing that any potentially fraudulent charges on your card will be detected and flagged with you quick smart.

Complimentary International Travel Insurance~

When you purchase your flights with your Citi Rewards credit card, it may cover you and your family for International Travel Insurance when travelling overseas for medical expenses, loss or theft of personal items, unexpected trip cancellation and more.

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 credit card, including Extended Warranty Insurance and Purchase Cover Insurance.

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


 

Make your card work harder for you

Luxury Escapes Discount

Save 10% on selected hotel offers with Luxury Escapes.

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

Ordering food with your Citi Credit Card just became more satisfying.

Get $10 cashback each month when you spend $25 or more, in one transaction, with Deliveroo.# Available from 1 April 2021 to 30 June 2022. The next time you're feeling peckish, choose from a wide range of delicious options, place your order and enjoy this cashback offer.

Citi PayAll

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

Unlock priceless experiences through Mastercard® PricelessTM Cities

With Priceless Cities, explore unforgettable experiences around the world. Learn more at priceless.com.

Ever wanted a personal assistant?

Our personal concierge is at your service.

No time to plan your next family adventure? Let our personal concierge help you out. They can assist you from anywhere in the world, 24 hours a day, 7 days a week.

24/7 worldwide customer service and fraud protection
With ongoing monitoring, global fraud protection and alerts, you can rest assured knowing that any potentially fraudulent charges on your card will be detected and flagged with you. Visit our Online Security webpage for more information and to ensure you have provided us with your current mobile phone number to benefit from this service.

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 credit card.

Complimentary International Travel Insurance~
When you purchase your flights with your Citi Rewards credit card, it may cover you and your family for International Travel Insurance when travelling overseas for medical expenses, loss or theft of personal items, unexpected trip cancellation and more.
Complimentary Transit Accident Insurance~
Purchase your overseas travel tickets with your Citi Rewards credit card you and your family may be covered for up to $500,000 for injuries sustained while overseas as a direct result of an accident whilst on a trip and occurring within 12 months of the accident.
Complimentary Purchase Cover Insurance~
Receive 90 days complimentary insurance up to specified amounts against loss, theft or accidental damage on covered products purchased anywhere in the world using your Citi Rewards credit card if you make a claim within 21 days.
Complimentary Extended Warranty Insurance~
Receive Extended Warranty Insurance for eligible purchases up to a maximum of 12 months from the manufacturer's warranty (for the same period as the original written warranty), for the cost of repairing or replacing the purchase made on your Citi Rewards credit card in the event that the product breaks.
Complimentary Guaranteed Pricing Scheme~
Purchase a product using your Citi Rewards credit card, and get the best price if, within 60 days of the purchase, it’s available for a lower price from a store within a 25 kilometre radius from where the covered product was purchased. If the price difference is greater than AU$75, we will refund the price difference up to $500. (Internet purchases are excluded).

 


 

Accessing your account

Manage your finances when and where you want with:

  • The Citi Mobile® App
  • Citi Online
  • Customer Service Centre


Welcome to the world of Mastercard. Experience the convenience of a card that is accepted at over 47 million merchants in more than 210 countries and territories.


Contactless payments
With Mastercard PayPass, make payments under $100 quickly and securely by tapping your credit card – there's no need for a signature or PIN.

Apple Pay
Enjoy all the benefits of your Citi Rewards credit card using Apple Pay.> It’s the easy and secure way to pay. Learn more about Apple Pay.

Samsung Pay
Use your Citi Rewards credit card with Samsung Pay to make purchases on the go.
Learn more about Samsung Pay.

Receiving your statements
You will receive your statements monthly, either online via e-statements or by mail.

Here's what you'll need to apply

Around 10 minutes to complete the application

Earn more than $35,000 a year

Be 18 years or older and an Australian resident

Not quite sure what you are looking for? Explore our other credit cards

 


 

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FAQs

Still have a question?

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. To be eligible to receive up to 175,000 bonus Citi reward Points, you must apply for the Citi Rewards Card by 29 June 2022. 100,000 bonus Citi reward Points: You will receive 100,000 bonus Citi reward Points when you spend a minimum of $3,000 on eligible purchases using your new card within 90 days from approval. Eligible purchases exclude Cash Advances, Balance Transfers, Special Promotions, interest, fees, refunds, Chargebacks and spend on a Linked Diners Club Card. The 100,000 bonus Citi reward Points will be credited to your Rewards Balance within 8 weeks of meeting the spend criteria. Additional 75,000 bonus Citi reward Points: An additional 75,000 bonus Citi reward Points will be credited to your Rewards Balance within 12 weeks 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 Rewards Card must remain open, in good standing and enrolled in the Citi Rewards program for the bonus Citi reward Points to be awarded. 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 is valid until 29 June 2022. Post this advertised date; we reserve the right to continue, withdraw or change the offer at any time without notice.

  2. 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 15 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 not be entitled to any interest free days on retail purchases whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. For important information to consider before taking up a balance transfer, please click here. This offer is valid until 29 June 2022. Post this advertised date; we reserve the right to continue, withdraw or change the offer at any time without notice.

  3. Subject to your acceptance you will be billed an annual fee of $49 for the first year. This will revert to $149 for 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 29 June 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 - 30 June 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.

  • ^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 the full terms and conditions that apply to Fixed Payment Options, please refer to the Credit Card Terms and Conditions and Other Important Information.

  • <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.

  • @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.

  • »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. Example credit amount is based on redemption rate as at 29 November 2021 and is subject to change.

  • =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.

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

  • >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.

  • ~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.

  • Concierge Services is a complimentary service available to the Primary Cardholder of a Citi Rewards Card. Refer to the Terms and Conditions of the Citi Rewards Program. Concierge Services provided by Aspire Lifestyles (Australia) Pty Ltd.

Diners Club Pty Limited ABN 35 004 343 051.

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