Your browser does not support JavaScript! Pls enable JavaScript and try again.
Citi Rewards Mastercard

Citi Rewards Mastercard®

When it comes to rewards, you’re spoilt for choice.


Apply now  Or call us on 1300 032 824

Call to Apply

Receive 90,000 Citi reward Points and a $100 Coles eGift Card when you spend $3,000 in your first 90 days from approval
Receive 90,000 Citi reward Points and a $100 Coles eGift Card when you spend $3,000 in your first 90 days from approval1
Use Citi reward Points to get a credit back for almost anything you buy
Use Citi reward Points to get a credit back for almost anything you buy2
Earn 1 Citi reward Point per dollar on Eligible Transactions
Earn 1 Citi reward Point per dollar on Eligible Transactions3

So many rewards in one little card.

The Citi Rewards Mastercard rewards you for the way you live. Whether it’s lunches, the weekly shop, streaming subscriptions or other eligible spend, you’ll be earning Citi reward Points.3 Points you can use to get a credit back for almost anything you buy2, to pay for purchases at kogan.com4 or transfer to airline miles with a participating airline5 when the time's right. Plus when you feel like celebrating, enjoy a free bottle of wine every time you dine at one of our many partner restaurants and pay with your Citi Rewards Mastercard, terms and conditions apply, find out more.

90,000
Citi reward Points
+
$100
Coles eGift Card

when you spend $3,000 in the first 90 days from approval1

Start earning Points fast

Enjoy 90,000 Citi reward Points1 – the equivalent to $400 in digital gift cards at a range of our partners6 – when you spend $3,000 in the first 90 days from approval.1 If that’s not enough, we’ll also give you a $100 Coles eGift Card too.1

Balance transfer rate
0% p.a. for 15 months (no balance transfer fee, reverts to cash advance rate).7 Please note, no interest free days apply to retail purchases while you have a balance transfer.  

Annual fee
$49 in the first year, $149 in subsequent years.8

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 and select from a range of repayment terms with a Citi Instalment Plan.9

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).10

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 at the Citi credit card fees and charges page.

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

 


 

Travel and Reward Credit Cards

Learn More

Balance Transfer Credit Cards

Learn More

Low Rate Credit Cards

Learn More

FAQs

  • What information do I need to apply?

    Having the following information ready will make it quicker for you to complete your application.

    • Details about your employment (e.g. employment status, employer's contact details, time with employer in years and months)
    • If you are self-employed, your accountant's name, name of their accounting firm, and contact phone number
    • Gross income and monthly expenses
    • For balance transfers, name on account, type of card/account, card/account number, amount being transferred and the issuing organisation's name and address

    For further information, visit our How to Apply page.

     

  • What does the Citi Mobile® Banking App offer?

    With Citi's Mobile® App, you're in control of your finances even on the move. Our One-Time PIN mobile banking security feature means you'll always have peace of mind when banking online.

    Features include:

    • Instantly activate your credit card
    • Check your balance and a real-time display of your credit card transactions
    • Receive account alerts as push notifications
    • Find and book Citibank Dining Program partner restaurants
    • Keep up to date on exclusive offers
    • Temporarily lock and unlock credit card

     

Still have a question?

Important information

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.

  1. To be eligible to receive 90,000 bonus Citi reward Points and a $100 Coles eGift Card, you must apply for the Citi Rewards Card by 29 July 2021, then 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. Your Citi Rewards Card must remain open and in good standing to receive the 90,000 bonus Citi reward Points and $100 Coles eGift Card. Citi reward Points: The bonus Citi reward Points will be credited to your Rewards Balance within 6 - 8 weeks of meeting the spend criteria. All rewards are subject to the Terms and Conditions of the Citibank Rewards ProgramColes eGift Card: The Coles eGift Card will be sent to you within 90 days of meeting the spend criteria, to the email address maintained with your credit card account. Coles eGift Card can be redeemed at Coles Supermarkets and Coles Central. Coles eGift Card cannot be redeemed at Coles Online, Coles Express or Liquorland. Coles eGift Card is subject to the Gift Card Terms of Use. eGift cards are non-reloadable and non-redeemable for cash. 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 July 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

  2. This feature is known as Pay with Points. 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.

  3. 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.

  4. 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.

  5. 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.

  6. Gift cards are only redeemable using Points via www.citirewards.com. The number of Points required to redeem gift cards may vary at the time of redemption. Gift cards are non-reloadable or redeemable for cash. Information correct as of 1 February 2021.

  7. 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 at point of application for a period of 15 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 Citibank 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. Offer ends 29 July 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

  8. Subject to your acceptance you will be billed an annual fee of $49 in the first year. This will revert to $149 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 29 July 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

  9. 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.

  10. 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.

  11. 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.

  12. 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.

  13. 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.

  14. 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.

  15. 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.

  16. 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).

  17. 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.

  18. 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.

  19. 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.

  20. 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.

© 2021 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.

˅ Show more