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Citi Premier Qantas Credit Card

100,000 bonus Qantas Points
when you spend $6,000 on eligible purchases in the first 3 months from approval and keep your card open for over 12 months.1

Apply now

Citi Premier Credit Card

Important Information

Please note the Citi Credit Card Annual Percentage Rate for retail purchases and cash advances will increase from 21.49% p.a. to 22.49% p.a. and from 22.24% p.a. to 22.99% p.a. respectively. This change will be effective from 28 November 2024. Please refer to the variation notice - Notice of changes to your Annual Percentage Rate - effective 28 November 2024 for further details.

Special offer
Special offer
Get 100,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months from approval and keep your card open for over 12 months.1
Complimentary Lounge Passes icon
Complimentary airport lounge access
Receive complimentary membership and two airport lounge visits every year when you enrol in Priority Pass™️.
Luxury Escapes icon
Luxury Escapes
Enjoy 10% off Limited Time LUX Exclusive hotel offers (up to $250 per booking) booked by 1 March 2025.$
Complimentary Travel Insurance icon
Complimentary Travel Insurance
Access to Complimentary International and Domestic Travel Insurance with your Citi Premier Qantas Credit Card.~
Complimentary Mobile Phone Insurance icon
Complimentary Mobile Phone Insurance
Pay your Monthly Mobile Plan bill with your Citi Premier Qantas Credit Card and you'll be covered for Accidental Damage and Theft.*
Citi PayAll icon
More Points with Citi PayAll
Make payments with Citi PayAll to earn Qantas Points+ on everyday expenses from rent to education fees and more. 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.π
MyCashback 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.
Purchase Protection Insurance and Extended Warranty Insurance icon
Buy with confidence
Receive Purchase Protection Insurance and Extended Warranty Insurance for eligible products purchased with your Citi Premier Qantas Credit Card.~

3 simple steps to unlock 100,000 bonus Qantas Points1

Effortless application

1. Effortless application

Apply for the Citi Premier Qantas Credit Card with a swift 10 minute process.

Shop and earn

2. Shop and earn

Spend $6,000 on eligible purchases within 3 months from approval to earn an impressive 70,000 bonus Qantas Points.

Enjoy long-term rewards

3. Enjoy long-term rewards

Keep your card open for over 12 months and we'll add an additional 30,000 bonus Qantas Points to your total.

 

Earn Qantas Points when you spend

Online Spend

on Eligible Transactions+ made online

Qantas Points
per $1 spent

1 Point
 

International Spend

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

Qantas Points
per $1 spent

1 Point
 

Domestic Spend

on all other Eligible Transactions+

Qantas Points
per $1 spent

0.5 Point

Qantas Points are capped at 100,000 per 12 month period when you use your Citi Premier Qantas Credit Card on Eligible Transactions on Online Spend, International Spend and Domestic Spend.+

Rates and fees

Balance transfer rate
22.24% p.a.
A promotional rate does not apply to Balance Transfers for this offer. Your total transferred balance will be charged interest at the applicable Annual Percentage Rate for Cash Advances.

Annual fee
$350 in the first year. $175 in subsequent years if you spend $48,000 or more on eligible purchases or cash advances in the previous year, otherwise $350.2

Additional cardholder fee
$0. You may have up to 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 over a set term with a Citi Instalment Plan.^

Cash advance rate
22.24% p.a.

Interest free period
Up to 44 days interest-free on retail purchases.<

Minimum credit limit
$10,000

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.
Keep up to date with the latest offers and benefits available on your Citi Premier Qantas 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 Premier Qantas 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 Premier 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 Qantas Points
    70,000 bonus Qantas Points:
    You will receive 70,000 bonus Qantas Points when you spend a minimum of $6,000 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, fees, refunds and Chargebacks. The 70,000 bonus Qantas Points will be credited to your Qantas Frequent Flyer membership account within 2 months of meeting the spend criteria. Additional 30,000 bonus Qantas Points: An additional 30,000 bonus Qantas Points will be credited to your Qantas Frequent Flyer membership account within 2 months of your Account being open for 12 months, provided it has been activated by you. Your Citi Premier Qantas Credit Card must remain open, in good standing (for example – your account is not in default, suspended or closed) and enrolled in Citi Qantas Rewards for the bonus Qantas Points to be awarded. All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Qantas Points are defined in the Citi Rewards and Citi Qantas Rewards Program Terms and Conditions as Qantas Frequent Flyer Points. You must be a member of the Qantas Frequent Flyer Program and provide your membership number to us. A joining fee may apply. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions, available at qantas.com/terms. 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.

  2. Annual fee
    Subject to your acceptance you will be billed an annual fee of $350 for the first year in accordance with our Credit Card Terms and Conditions and Other Important Information. You will be billed an annual fee of $175 for every year afterwards if you spend a minimum of $48,000 on eligible Retail Purchases and Cash Advances in each 12-month period, starting from the date your Account was approved. Excludes Balance Transfers, Special Promotions, interest, fees, refunds and Chargebacks. If you do not meet the minimum spend in the previous year you will be charged an annual fee of $350. Annual fees are subject to change. If you subsequently opt out of Citi Qantas Rewards and into Citi Rewards an annual fee of $300 will apply to your account instead. This offer commenced 30 May 2024. We may vary or end this offer at any time.

  • +Points earn rate
    All rewards are subject to the Terms and Conditions of the Citi Qantas Rewards Program. Citi Premier Qantas Credit Card earns 1 Point per $1 for Eligible Transactions made online, 0.5 Point per $1 spent everywhere else on eligible Domestic Spend and 1 Point per $1 spent on eligible International Spend. The points earn is capped at 100,000 points over a 12 month period. The annual cap will reset on your next statement cycle date following the anniversary of your enrolment to your Rewards program. The Citi Premier Qantas Card earns 0.5 Points per $1 on Citi PayAll payments. Citi PayAll Payments are for Domestic Spend only, International Spend is excluded. 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. Points do not expire while the card remains open and in good standing (for example – your account is not in default, suspended or closed). Qantas Points are defined in the Citi Rewards and Citi Qantas Rewards Program Terms and Conditions as Qantas Frequent Flyer Points. Qantas Points are earned in accordance with the Citi Qantas Rewards Program Terms and Conditions. You must be a member of the Qantas Frequent Flyer Program and have advised us of your Qantas Frequent Flyer Program membership number before you can participate in Citi Qantas Rewards. You will only earn Qantas Frequent Flyer Points after you advise us of your Qantas Frequent Flyer Program membership number. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions, available at qantas.com/terms. Your Rewards Balance will be automatically redeemed for Qantas Frequent Flyer Points at the end of each Statement Period. It may take 28 business days for the Qantas Frequent Flyer Points to appear in your Qantas Frequent Flyer membership account. Transactions made indirectly with the online merchants (e.g. through a third party provider such as BPAY and PayPal), mobile wallet or recurring payments are not eligible for the higher earn rate. Please note, a transaction qualifies as an Eligible Transaction made online if it is made via the internet or a mobile application, which is reflected as an online transaction by system indicators and processed by the respective merchants/ acquirers as an online transaction through Visa/Mastercard networks. If a transaction with an online merchant is not classified as an online transaction by the card scheme, it will not be treated as an online transaction for calculating Points. The annual cap will reset on your next statement cycle date following the anniversary of your enrolment to your Rewards program. Please click here for the full definition of Eligible Transactions. The cap includes Points earned on Domestic and International spend.

  • Airport Lounge Access
    One complimentary digital Priority Pass™ Standard Membership, with two complimentary lounge visits, for the primary cardholder is a Special Feature of the Citi Premier Credit Card. Citi Premier Cardholders must enrol for the Priority Pass™ Standard Membership at www.prioritypass.com/premieraumc and follow the prompts. You will need to download the Priority Pass™ App via the Apple App Store or get it on the Google Play Store to access your Digital Membership Card. The first two visits within each 12-month membership period from registration (membership year) are complimentary to the primary cardholder only, after which any additional visits by you and visits by your guests will be charged directly to you by Priority Pass™ at their ordinary standard rates. Unused visits cannot be carried forward to the following membership year. The total number of complimentary visits will be reset to two at the beginning of each membership year while you remain a Citi Premier Cardholder. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass™ is available at select airports. For the full list of up-to-date airport lounges and Priority Pass™ Conditions of Use please refer to www.prioritypass.com.

  • $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.

  • ~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.

  • *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.

  • 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.

  • <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 payments 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. 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.

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