Enjoy the time you need plus perks you’ll love
Earn Citi reward Points on Eligible Transactions3 and redeem them for digital gift cards or eligible purchases. As a Citi card holder, we’ll also treat you to a complimentary bottle of wine every time you dine and use your Citi card to pay at partner restaurants. Conditions apply. Learn more about the Citibank Dining Program.
on balance transfers1
(1.5% BT fee applies, reverts to cash advance rate)
Take a long break from high interest payments
Rest easy with 30 months interest free on balances from non-Citi accounts you move over to a Citi Rewards credit card.1 Over that time, you could save on interest payments – making it that much easier to get on top of your credit card debt. Please note, no interest free days apply to retail purchases while you have a balance transfer.
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 at the Citi credit card fees and charges page.
Earn Citi reward Points when you spend
on Eligible Transactions3 made overseas or online with a merchant that is based overseas
Earn uncapped7 Citi reward Points on everyday expenses such as rent, taxes, education fees, property management fees, childcare and miscellaneous bills
A wealth of ways to spend your Citi reward Points
Pay with Points
Pay for almost anything with your Citi reward Points.
With the Citibank 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.10
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.11
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.12
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: Emirates Skywards, Singapore Airlines KrisFlyer, flybuys and many more.13 To learn more about points transfer, see Points Transfer FAQs.
Earn Citi reward Points faster and unlock savings with a Linked Diners Club Card8
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.9
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.14
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 online banking 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 that best suits you.4 Learn more about Citi Instalment Plans
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 Citi 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 Insurance16
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 Purchase Cover Insurance and Extended Warranty Insurance16
Make your card work harder for you
Free wine, anyone?
More rewards with your next meal.
Enjoy a free bottle of wine every time you dine and pay with your Citi card at one of our partner restaurants. Conditions apply. Learn more about Citibank Dining Program.
A new way to pay and earn rewards.
With Citi PayAll, you can now pay for your rent, taxes, education fees, property management fees, childcare, miscellaneous bills and more using your Citi credit card. For a fee of 2% of the Citi PayAll amount you can turn payments into rewards by earning uncapped7 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.6
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.17
Rewards the world over
Exclusive benefits at home and away.
Make the most of special offers just for Citi cardholders with Citi World Privileges. From upgraded hotel rooms and card rentals to online shopping discounts and money off your restaurant bill, there’s something to enjoy wherever you go.18
Manage your finances when and where you want with:
- The Citi Mobile® App
- Citibank Online
- CitiPhone Banking
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.
Learn more about Apple Pay.
Learn more about Samsung Pay.
Not quite sure what you are looking for? Explore our other credit cards
Travel and Reward Credit Cards
Balance Transfer Credit Cards
Low Rate Credit Cards
Still have a question?
Refer to the full Terms and Conditions related to this product here.
Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $35,000 per year and your credit rating.
Fees and charges apply. Cards are offered, issued and administered by Citigroup Pty Limited. Terms and conditions apply and are available upon request. Credit Criteria apply. New cards customers only and cannot be used in conjunction with any other offers.
Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer at point of application, and the balance transfer fee for a period of 30 months. The balance transfer fee of 1.5% is charged once, is calculated on the amount transferred and is debited to your account on the day or after your balance transfer is processed. The 30 month promotional period commences once the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance and balance transfer fee will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.24% p.a. This offer excludes balances transferred from Citibank unsecured credit products. Please note you are not 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 30 November 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.
Subject to your acceptance you will not be billed an annual fee in the first year. This will revert to $199 in subsequent years. This offer applies to the primary cardholder only. For additional cardholders an annual fee also applies, currently $90 per card. Annual fees are subject to change. This offer is valid until 30 November 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.
All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. 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.
Citi Instalment Plans are defined in the Credit Card T&Cs 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. Your Fixed Payment Option uses part of your existing credit limit. As you pay off your Fixed Payment Option, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. For the full terms and conditions of your Fixed Payment Option, 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.
Citi 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 mobile banking 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. A fee of 2% of the amount of the Citi PayAll payment is payable and is debited to your Account each time a Citi PayAll payment is made. 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 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 Citi to administer the Linked Diners Club Card. Any credit balance on the Linked Diners Club Card is not a deposit liability of Citi, or any other affiliate of Citi, 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 Citibank 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 Citibank Rewards Program and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, government related transactions and all other transactions set out within the full definition.
To use your reward Points toward eligible purchases at Kogan.com, you must have a Kogan.com account, be the primary cardholder of a card enrolled in the Citibank 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 Citibank 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 Credit Card. If you make an international transaction using your Citi 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 of Level 16, 310 Ann Street, Brisbane, QLD 4000 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street, Sydney NSW 2000 has issued an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) of 2-26 Park Street, Sydney NSW 2000 which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. 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. Citi does not 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 Citibank Rewards Program. Concierge Services provided by Aspire Lifestyles (Australia) Pty Ltd.
Payment must be made using a Citi Credit Card. Privileges cannot be used in conjunction with any other promotional programs or offers. Citi and the business establishment reserve the right to change the terms and conditions at any time. Refer to www.citiworldprivileges.com/au/ for up-to-date offer details.
© 2020 Citigroup Pty Limited. All rights reserved. ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world. Diners Club Pty Limited ABN 35 004 343 051.