75,000 flybuys BONUS POINTS + $100 Kmart eGift Card1

Reduced annual fee of $49 in the first year2

Transfer your Citi reward Points to flybuys3

75,000
flybuys
BONUS POINTS

+
$100
Kmart
eGift Card

when you spend $3,000 in the first 90 days from approval.1

See double! Get rewarded now AND ongoing with the Citi Rewards Mastercard

Collect 75,000 flybuys BONUS POINTS and a $100 Kmart eGift card when you spend $3,000 in the first 90 days from approval.1

The rewards keep coming… You can collect both flybuys points and Citi reward Points when you shop at a flybuys partner store, scan your flybuys card and pay with your Citi Rewards Mastercard. Not shopping at a flybuys partner store? No worries, you'll still earn Citi reward Points on Eligible Transactions.4

Plus, save with a reduced annual fee of $49 in the first year, reverting to $149 in subsequent years.2

Last but not least, you can enjoy other ongoing benefits, such as Complimentary Insurances,5 access to the Citibank Dining Program and the ability to break big expenses into smaller, fixed monthly repayments with Citi Instalment Plans.6

 

Balance transfer rate
0% p.a. on balance transfers for 15 months (1% BT fee applies, 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 annual fee in the first year, $149 in subsequent years.2

 


 

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.6

 


 

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).8

 


 

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.


Do more with Citibank Rewards Program

Citi reward Points per $1 spent

International Spend

on Eligible Transactions4 made overseas or online with a merchant that is based overseas

1 Point

Domestic Spend

on Eligible Transactions4 capped at $10,000 spend per statement period

1 Point

Citi PayAll9 Spend

Earn uncapped10 Citi reward Points on everyday expenses such as rent, taxes, education fees, property management fees, childcare and miscellaneous bills

1 Point

Linked Diners Club Card11

on all Eligible Transactions12

2 Points

A wealth of ways to spend your Citi reward Points

Transfer your Citi reward Points to flybuys, Airline and Other Loyalty Programs

Citi reward Points Transfer.

With points transfer, you can easily transfer your Citi reward Points to flybuys3, or a variety of other Airline and Loyalty Programs including: Emirates Skywards, Singapore Airlines KrisFlyer and many more.13 To learn more about Points Transfer, see Points Transfer FAQs.

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.14

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.15

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.16


Earn Citi reward Points faster and unlock savings with a Linked Diners Club Card11

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.12

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.17

Accepted more places than you think

Linked Diners Club Cards are accepted at Coles, 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.6 Learn more about Citi Instalment Plans

More ways to pay

Turn your smartphone into a mobile wallet thanks to Apple Pay18 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 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 Purchase Cover Insurance and Extended Warranty Insurance5

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.


Take advantage of savings and Citi privileges

Free wine, anyone?

More rewards with your next meal.

Enjoy a free bottle of wine every time you eat and pay with your Citi card at one of our many Australian partner restaurants. Conditions apply. Learn more about Citibank Dining Program.

Citi PayAll

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 uncapped10 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.9

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.19

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.20

 

Emergency card replacement
24/7 customer service if your card is lost or stolen.

 

24/7 worldwide 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. Visit Online Security at Citi for more information and to ensure you have provided us with your current mobile phone number to benefit from this service.

 


 

Complimentary International Travel Insurance5
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 Insurance5
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 Insurance5
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 Insurance5
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 Scheme5
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
  • 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.

 


 

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.18 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

Apply now

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

Balance Transfer Credit Cards

Low Rate Credit Cards

Still have a question?

Important information

Refer to the full Terms and Conditions related to this product here.

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 75,000 flybuys bonus points and a $100 Kmart eGift card, you must apply for a Citi Rewards Credit Card by 30 September 2020, then spend $3,000 or more on it within 90 days from approval. Cash Advances, Balance Transfers, refunds, Chargebacks, Special Promotions and spend on a Linked Diners Club Card do not contribute to the spend threshold. Your Citi Rewards Credit Card must remain open and in good standing to receive the 75,000 flybuys bonus points and $100 Kmart gift card. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. This offer is valid until 30 September 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 75,000 flybuys bonus points: We will request your flybuys membership number from you via email within 8 weeks of meeting the spend criteria. The flybuys points will be credited to your flybuys account within 6 weeks from the date we receive your flybuys membership number. If you do not provide us with your flybuys membership number within 8 weeks from us first requesting it, we reserve the right to credit the equivalent amount of Citi reward Points to your Citi Rewards Credit Card. flybuys points are administered by Loyalty Pacific Pty Ltd and subject to the flybuys Terms and Conditions which are available at flybuys.com.au. $100 Kmart eGift Card: The Kmart eGift card will be sent to you within 8–10 weeks of meeting the spend criteria, to the email address maintained with your credit card account. The Kmart eGift card can be used for the purchase of goods and services at Kmart stores excluding Kmart Tyre & Auto Service stations, Kmart New Zealand, PixiFoto and purchases initiated by phone, email, online or fax. No change given, balance remains on the card for use against future purchases and cannot be reissued if lost or stolen. Kmart eGift cards are subject to the Gift Card Terms of Use. eGift cards are non-reloadable and non-redeemable for cash.

  2. 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 30 September 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

  3. To redeem Citi reward Points for flybuys points you must be a flybuys member and advise us of your flybuys membership number at the time of redemption. The rate at which Citi reward Points are redeemed for flybuys points will vary based on your credit card and will be displayed at the time of redemption. Visit citirewards.com to transfer Citi reward Points to flybuys points. flybuys points may take up to 28 days to appear in your flybuys account. The redemption of Citi reward Points will be administered solely by Citi and are subject to the Terms and Conditions of the Citibank Rewards Program. Once Citi reward Points have been redeemed for flybuys points, they are governed by the standard flybuys terms and conditions and cannot be changed, cancelled or reversed.

  4. 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 Citibank 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.

  5. 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.

  6. 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.

  7. 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 15 months. The balance transfer fee of 1% is charged once, is calculated on the amount transferred and is added to your balance transfer amount at the time Citi processes your request. The 15 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 September 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

  8. 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.

  9. 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.

  10. 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.

  11. 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.

  12. 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.

  13. 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.

  14. 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.

  15. 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.

  16. 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.

  17. 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).

  18. 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.

  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.

© 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. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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