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Citi Rewards Credit Card

0% p.a. | 15 Months
on purchases and balance transfers.1
Balance transfer reverts to cash advance rate.

Apply now

Citi Rewards Credit Card

Special offer icon
0% p.a. for 15 months on purchases and balance transfers
Start saving with our special offer of 0% p.a. for 15 months on purchases and balance transfers.1 Balance transfer reverts to cash advance rate.
Complimentary Mobile Phone Insurance icon
Complimentary Mobile Phone Insurance
Pay your Monthly Mobile Plan bill with your Citi Rewards Credit Card and you'll receive Accidental Damage and Theft insurance cover.*
Cashback offers icon
Cashback offers from the brands you love
No opt-in or registration. Simply spend at stores with My Cashback offers and automatically receive cashback.
Complimentary Travel Insurance icon
Complimentary Travel Insurance
Access up to 3 months complimentary International Travel Insurance and up to 14 days Domestic Travel Insurance with a Citi Rewards Credit Card when meeting eligibility criteria.~
Wrapd icon
Complimentary VIP membership for one year with Wrapd
As a VIP member, get access to exclusive discounts, cashback offers and new arrivals from the go-to shopping platform. Valid until 30 September 2024.«
Luxury Escapes icon
Luxury Escapes
Enjoy 10% off Limited Time LUX Exclusive hotel offers (up to $250 per booking) booked by 1 March 2025.$
Earn points when you spend at home or overseas icon
Earn points when you spend at home or overseas
Earn up to 1 Citi reward Point per $1 on Eligible Transactions.@
Choose your credit limit icon
Choose your credit limit
Apply for a credit limit from $2,000 up to $100,000.

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

Balance transfer rate
0% p.a. for 15 months1 with no balance transfer fee. Reverts to cash advance rate.

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 15 months.1 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

Pay with Points

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

For example: 2,500 Citi reward Points can be redeemed for a $10 credit back on your statement.

Shop with Points

Shop with Points

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

For example: 2,500 points can be redeemed for $10 when you Shop with Points at Kogan.com.

Transfer your Points

Transfer your Points

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

 

Keep up to date with the latest offers and benefits available on your Citi Rewards Credit Card.
Citi Premier Credit Card offers and benefits
Contactless payment with your smartwatch

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 >

Apply now in 3 simple steps

Ensure you’re eligible

1. Ensure you’re eligible

Have a look at our criteria below – if you tick every box, you’ll be eligible to apply.

Apply online

2. Apply online

Submit your Citi Rewards Credit Card application online in just 10 minutes.

Stay in touch

3. Stay in touch

We’ll advise when your application has been approved. You should receive your card within 5-7 business days.

What you need to apply

Receive a regular income

Receive a regular income

18 years or older

18 years or older

Permanent Australian resident

Permanent Australian resident

Mobile phone and email

Mobile phone and email

2 forms of identification

2 forms of identification:

  • Australian Driver Licence
  • OR Passport
  • OR Medicare Card
Proof of Income: Payslips

Proof of income: payslips

Multiple cards

Looking for something different in your credit card?

We have a variety of cards to help with travel expenses, or unlocking cashback offers - see where a Citi Credit Card can take you.

Browse other offers

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. Purchases and Balance Transfer offer
    Purchases:
     The promotional rate of 0% p.a. will apply to the retail purchase balance for a promotional period of 15 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. Please note you will not be entitled to any interest-free days on retail purchases at the end of the promotional period whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate.
    Balance Transfers: 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 within 3 months from card approval, for a period of 15 months, commencing from the date the balance transfer is processed. At the end of the balance transfer 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 Citi branded unsecured credit products.  For important information to consider before taking up a balance transfer, please click here.
    Minimum monthly payments required. Payments will be applied to your account as per the Credit Card Terms and Conditions and Other Important Information. Please note that if you make a retail purchase before your balance transfer is processed, payments made during the promotional period will be applied to the retail purchase balance before the balance transfer.
    This offer commenced 30 May 2024. We may vary or end this offer at any time. This offer is not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer.

  • $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.

  • «One Year Complimentary Wrapd VIP Membership
    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 30 September 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 30 September 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 30 September 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.

  • ~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.

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