Your browser does not support JavaScript! Pls enable JavaScript and try again.
[object Object]

Citi Rewards Credit Card
100,000 Flybuys bonus points
when you spend $5,000 on eligible purchases within 3 months from approval.1
Plus, 0% p.a. on purchases for 6 months.2

Apply now

Star
Complimentary Mobile Phone Insurance
Pay your monthly mobile phone bill with your Citi Rewards Credit Card and you'll receive Accidental Damage and Theft insurance cover*
Pay with Points
Complimentary VIP membership for one year with Wrapd
Get access to exclusive discounts, cashback offers and new arrivals from the go-to shopping platform. Offer ends 1 June 2024«
My Cashback
My Cashback
Enjoy no fuss, no hassle cashback offers each month. Simply spend, save and enjoy!

Earn Citi reward Points when you spend

Domestic Spend

on Eligible Transactions@ capped at $10,000 spend per statement period

Citi reward Points
per $1 spent

1 Point
 

International Spend

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

Citi reward Points
per $1 spent

1 Point

Rates and Fees

Annual fee
$199

Additional cardholder fee
$90 per card, annually. You may have up to 4 additional cardholders, who must be 16 years or older.

Retail purchase rate
0% p.a. for 6 months.2 Reverts to variable retail purchase rate, currently 21.49% p.a.

Cash advance rate
22.24% p.a.

Interest free period
Up to 55 days interest-free on retail purchases.<

Minimum credit limit
$2,000

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

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

Shop with Points

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

Transfer your Points

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

A card that works harder for you

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 >

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 1 June 2024. T&Cs apply.«

Learn more >

Get more with 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 >

Complimentary International Travel Insurance

Spend a minimum of $500 towards your overseas holiday with your Citi Rewards 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 (up to $250) Limited Time LUX Exclusive hotel offers with your Citi Rewards Card. Valid until 1 March 2025.

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 >

More ways to pay with your Citi credit card

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 Rewards 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. Flybuys bonus points
    New Citi Rewards Credit Card customers only and cannot be used in conjunction with any other offers. To be eligible to receive 100,000 Flybuys bonus points, you must be a Flybuys member, apply for the Citi Rewards Credit Card by 30 September 2024, have your application approved, then spend a minimum of $5,000 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. $199 annual credit card fee applies. Offer can only be redeemed once per customer. NAB will request your Flybuys membership number from you via email within 2 months of you meeting the spend criteria. The Flybuys points will be credited to your Flybuys account within 1 month from the date NAB receive your Flybuys membership number. Your Citi Rewards Credit Card must remain open and in good standing (for example – your account is not in default, suspended or closed) to receive the Flybuys points. If you do not provide NAB with your Flybuys membership number within 2 months from NAB first requesting it, NAB reserve the right to credit the equivalent amount of Citi reward Points to your Citi Rewards Credit Card. Offer limited to one allocation of 100,000 Flybuys bonus points per member. Flybuys points are administered by Loyalty Pacific Pty Ltd and subject to the Flybuys Terms and Conditions which are available at flybuys.com.au. This offer ends 30 September  2024. Post this advertised date; NAB reserve the right to continue, withdraw or change the offer at any time without notice. Loyalty Pacific Pty Ltd (ABN 82 057 931 334) (trading as Flybuys) receives payment from NAB for the Flybuys points that its members earn in connection with this offer.

  2. Retail purchase rate offer
    The promotional rate of 0% p.a. will apply to the retail purchase balance for a promotional period of 6 months, commencing from the date your account is approved. At the end of the promotional period, the variable annual percentage rate for retail purchases, currently 21.49% p.a. will apply to the retail purchase balance. This offer ends 30 September 2024. Post this advertised date; NAB reserve the right to continue, withdraw or change the offer at any time without notice.

  • $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.

  • My Cashback offers
    My Cashback 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 more information, visit the My Cashback page.

  • ~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.

  • @Points earn rate
    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.

  • »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 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.

  • <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.

  • πCiti PayAll
    Citi PayAll 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). 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. Please note the promotional offer of the 0% PayAll fee ended on 31 October 2023. 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.

  • «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 1 June 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 1 June 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 1 June 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.

Show more