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Citi Rewards Mastercard®

Savour every reward.


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Receive 90,000 Citi reward Points and a $100 Coles eGift Card when you spend $3,000 in your first 90 days from approval
Receive 90,000 Citi reward Points and a $100 Coles eGift Card when you spend $3,000 on eligible purchases within 90 days from approval1
Use Citi reward Points to get a credit back for almost anything you buy
Redeem your Citi reward Points for eligible purchases and receive a credit back2
$200 credit on your statement on account activation
$200 credit on your statement when you activate your account within 90 days from approval3

$200 credit is just for starters...

The Citi Rewards Mastercard rewards foodies unlike most other credit cards. When you activate your account within 90 days of approval, you'll receive $200 credit, so you could enjoy a meal on us.3

90,000
Citi reward Points
+
$100
Coles eGift Card

when you spend $3,000 on eligible purchases within 90 days from approval1

Plus

$200 credit on your statement

when you activate your account within 90 days from approval3

Start earning Points fast

Enjoy 90,000 Citi reward Points, and a $100 Coles eGift Card when you spend $3,000 on eligible purchases within 90 days from approval.1

Balance transfer rate
0% p.a. for 15 months (no balance transfer fee, reverts to cash advance rate).4 Please note, no interest free days apply to retail purchases while you have a balance transfer.  

Annual fee
$49 in the first year, $149 in subsequent years.5

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).7

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.

 

giftEarn Citi reward Points when you spend

 
Citi reward Points per $1 spent

International Spend
on Eligible Transactions8 made overseas or online with a merchant that is based overseas

1 Point

Domestic Spend
on Eligible Transactions8 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

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.2

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.13

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.14

Transfer your Citi reward Points to Airline and Other Loyalty Programs

Citi reward Points Transfer.

With points transfer, you can easily transfer your Citi reward Points to a variety of Airline and Other Loyalty Programs including: Emirates Skywards, Singapore Airlines KrisFlyer, flybuys and many more.15 To learn more about points transfer, see Points Transfer FAQs.


 

Earn ponitsEarn 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.16

Accepted more places than you think

Linked Diners Club Cards are accepted at Coles, Woolworths, 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 Pay17 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 Mobile Phone Insurance18

Receive monthly cover on your eligible mobile phone for Accidental Damage or Theft when you pay your Monthly Mobile Plan bill with your Citi Rewards Mastercard.

Terms, conditions, exclusions and limits apply. Find out more.

Complimentary International Travel Insurance19

When you purchase your flights with your Citi Rewards Mastercard, 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.

Terms, conditions, exclusions and limits apply. Find out more.

Complimentary Purchase Cover Insurance and Extended Warranty Insurance19

Receive complimentary insurance for eligible products purchased with your Citi Rewards Mastercard, including Extended Warranty Insurance and Purchase Cover Insurance.

Terms, conditions, exclusions and limits apply. Find out more.


 

Make your card work harder for you

Enjoy cashback on Deliveroo orders

Ordering food with your Citi credit card just became more satisfying.

Get $10 cashback each month when you spend $25 or more, in one transaction, with Deliveroo.20 Available from 1 April 2021 to 31 January 2022. The next time you're feeling peckish, choose from a wide range of delicious options, place your order and enjoy this cashback offer.

Enjoy cashback on Spotify Premium

We've given your music streaming experience an upgrade.

Get $5 cashback each month when you pay for a Spotify Premium subscription of $10 or more with your Citi credit card.21 Available from 1 April 2021 to 31 January 2022. Listen to music ad-free wherever you are, whether you're at home, on an exercise break or even at work.

Free wine, anyone?

More rewards with your next meal.

Enjoy a free bottle of wine every time you dine and pay with your Citi card at one of our partner restaurants.22 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 all Citi PayAll payments set up between 1 April 2021 to 31 October 2022, the Citi PayAll fee will be reduced to 0%.9 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.23

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.24

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 Mobile Phone Insurance18
Receive monthly cover on your eligible mobile phone for Accidental Damage or Theft when you pay your Monthly Mobile Plan bill with your Citi Rewards Mastercard.

Complimentary International Travel Insurance19
When you purchase your flights with your Citi Rewards Mastercard, 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 Insurance19
Purchase your overseas travel tickets with your Citi Rewards Mastercard 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 Insurance19
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 Mastercard if you make a claim within 21 days.
Complimentary Extended Warranty Insurance19
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 Mastercard in the event that the product breaks.
Complimentary Guaranteed Pricing Scheme19
Purchase a product using your Citi Rewards Mastercard, 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 Mastercard using Apple Pay.17 It’s the easy and secure way to pay. Learn more about Apple Pay.

Samsung Pay
Use your Citi Rewards Mastercard 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

Around 10 minutes to complete the application

Earn more than $35,000 a year

Be 18 years or older and an Australian resident

FAQs

  • What information do I need to apply?

    Having the following information ready will make it quicker for you to complete your application.

    • Details about your employment (e.g. employment status, employer's contact details, time with employer in years and months)
    • If you are self-employed, your accountant's name, name of their accounting firm, and contact phone number
    • Gross income and monthly expenses
    • For balance transfers, name on account, type of card/account, card/account number, amount being transferred and the issuing organisation's name and address

    For further information, visit our How to Apply page.

     

  • What does the Citi Mobile® Banking App offer?

    With Citi's Mobile® App, you're in control of your finances even on the move. Our One-Time PIN mobile banking security feature means you'll always have peace of mind when banking online.

    Features include:

    • Instantly activate your credit card
    • Check your balance and a real-time display of your credit card transactions
    • Receive account alerts as push notifications
    • Find and book Citibank Dining Program partner restaurants
    • Keep up to date on exclusive offers
    • Temporarily lock and unlock credit card

     

Still have a question?

Things you should know

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.

Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $35,000 per year and your credit rating.

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 90,000 bonus Citi reward Points and a $100 Coles eGift Card, you must apply for the Citi Rewards Card by 31 October 2021, then spend a minimum of $3,000 on eligible purchases using your new card within 90 days from approval. Eligible purchases exclude Cash Advances, Balance Transfers, Special Promotions, interest, fees, refunds, Chargebacks and spend on a Linked Diners Club Card. Your Citi Rewards Card must remain open and in good standing to receive the 90,000 bonus Citi reward Points and $100 Coles eGift Card. Citi reward Points: The bonus Citi reward Points will be credited to your Rewards Balance within 6 - 8 weeks of meeting the spend criteria. All rewards are subject to the Terms and Conditions of the Citibank Rewards ProgramColes eGift Card: The Coles eGift Card will be sent to you within 90 days of meeting the spend criteria, to the email address maintained with your credit card account. Coles eGift Card can be redeemed at Coles Supermarkets and Coles Central. Coles eGift Card cannot be redeemed at Coles Online, Coles Express or Liquorland. Coles eGift Card is subject to the Gift Card Terms of Use. eGift cards are non-reloadable and non-redeemable for cash. Please note that if you have a balance transfer you will not be entitled to any interest free days on retail purchases. This means that all spend will be charged interest at the applicable annual percentage rate. This offer is valid until 31 October 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

  2. This feature is known as Pay with Points. 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.

  3. To be eligible to receive a $200 statement credit, you must apply for the Citi Rewards Card by 31 October 2021 and activate your Account within 90 days from approval. Statement credit will be applied to your Account within 16 weeks of activation. Your Citi Rewards Card must remain open and in good standing to receive the statement credit. Statement credit will reduce the outstanding balance of your Account but will not count towards your next monthly repayment obligation. This offer is valid until 31 October 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

  4. 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 90 days from card approval for a period of 15 months from the date the balance transfer is processed. At the end of the balance transfer promotional 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 Citibank unsecured credit products. Please note you will not be 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. Offer ends 31 October 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

  5. 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 31 October 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

  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. 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.

  8. 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.

  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. For all Citi PayAll payments set up between 1 April 2021 to 31 October 2022 (the Period), the Citi PayAll fee will be reduced to 0%. Any recurring Citi PayAll payments set up during the Period will not incur the Citi PayAll fee for the duration in which those payments are scheduled to occur. Any Citi PayAll payments set up after the Period ends will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment. Any recurring Citi PayAll payments set up prior and after the Period will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment. This fee will apply to all recurring payments made for the duration in which those payments are scheduled to occur. 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. 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.

  14. 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.

  15. 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.

  16. 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).

  17. 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.

  18. 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 Citigroup Pty Limited (Citi) (ABN 88 004 325 080, AFSL and Australian credit licence 238098). This Cover is available to Cardholders ("you/your") while you remain a Mastercard and/or Visa cardholder of Citi, subject to Citi'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. Citi is not the issuer or insurer of the Cover. Neither Citi nor any of its related corporations guarantee any of the benefits under the Cover.

  19. 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.

  20. Excludes any payment made directly to a restaurant. Offer is limited to $10 cashback once a month from 1 April 2021 to 31 January 2022 and only spend on the primary cardholder's Citi branded credit card will count toward the offer. Payment must be made directly at Deliveroo, either at deliveroo.com.au or in-app via the Deliveroo app. Offer valid at Australian website only. Excludes transactions made through a third-party establishment or payment processor. Cashback will be credited to your Account within 60 days from the qualifying spend provided your Account is open and in good standing. Cashback will not be credited to your Account if the qualifying spend is refunded. Cashback will reduce the outstanding balance of your Account but will not count towards your next monthly repayment obligation. Please note that if you have a Balance Transfer you will be charged interest on any spend that you make.

  21. Offer is limited to $5 cashback once a month from 1 April 2021 to 31 January 2022 and only spend on the primary cardholder's Citi branded credit card will count toward the offer. Subscriptions must be made via www.spotify.com.au/premium. Offer valid at Australian website only. For first time Spotify Premium users, cashback will not apply to Spotify’s first month free offer on new subscriptions. Excludes transactions made through a third-party establishment or payment processor. Cashback will be credited to your Account within 60 days from the qualifying spend provided your Account is open and in good standing. Cashback will not be credited to your Account if the qualifying spend is refunded. Cashback will reduce the outstanding balance of your Account but will not count towards your next monthly repayment obligation. Please note that if you have a Balance Transfer you will be charged interest on any spend that you make.

  22. Citibank Dining Program: Conditions apply. Visit citibank.com.au/dine to learn more about the Citibank Dining Program, including an up-to-date list of participating restaurants, and to view the full terms and conditions.

  23. 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.

  24. 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.

© 2021 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.

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