Citi Rewards Credit Card

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100,000 bonus Flybuys points

when you spend $5,000 on eligible purchases within 3 months from approval.¹

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. Bonus Flybuys 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 bonus Flybuys points, you must be a Flybuys member, apply for the Citi Rewards Credit Card by 3 February 2025, 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 Citi PayAll payments, Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria. $199 annual credit card fee applies. Offer can only be redeemed once per customer. NAB will request your Flybuys member 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 2 months from the date NAB receives your Flybuys member 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 member 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 bonus Flybuys 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 3 February 2025. 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 3 February 2025. 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.

• *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.

• @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. The estimated Pay with Points value in the above example is based on current redemption rates as at 30 May 2024 and is subject to change.

• =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. The estimated Shop with Points value in the above example is based on current redemption rates as at 30 May 2024 and is subject to change.

• §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 Plans
  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.

• ~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.