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Citi Rewards - flybuys offer
75,000 flybuys BONUS POINTS and a $100 Kmart eGift Card when you spend $3,000 in the first 90 days from approval.1

Collect 75,000 flybuys BONUS POINTS and a $100 Kmart eGift Card when you apply for a Citi Rewards Mastercard® and spend $3,000 in the first 90 days from approval.1

  • Linked Diners Club Card11
  • Instalment plans available12

Citi Rewards

Get on top of the everyday with 26 months interest free on balance transfers (1.5% balance transfer fee applies, reverts to cash advance rate).2 Please note, no interest free days apply to retail purchases while you have a balance transfer.

  • Linked Diners Club Card11
  • Instalment plans available12

Citi Clear
Low variable retail purchase rate of 14.99% p.a.

Enjoy 0% p.a. on balance transfers for 9 months (no balance transfer fee, reverts to cash advance rate).2 Please note, no interest free days apply to retail purchases while you have a balance transfer. Plus, you can also save with a low variable rate of 14.99% p.a. on retail purchases.

  • Instalment plans available12

Citi Premier
70,000 bonus Citi reward Points when you spend $5,000 in the first 60 days from approval.1

Welcome to a world of greater rewards with 70,000 bonus Citi reward Points when you spend $5,000 in the first 60 days from approval.1

  • Linked Diners Club Card11
  • Instalment plans available12

Citi Simplicity<sup>®</sup>
No late fees and no annual fees.

No late fees. No annual fee. Plus, save with 0% p.a. for 6 months on balance transfers (no balance transfer fee, reverts to cash advance rate).2 Please note, no interest free days apply to retail purchases while you have a balance transfer.

  • Instalment plans available12

Emirates Citi <i>World Mastercard<sup>®</sup></i>
50,000 Skywards Miles on your first spend within 90 days from card approval.3

The perfect companion for every world traveller. Receive 50,000 Skywards Miles on your first spend within 90 days from card approval. Plus if you spend a minimum of $500 on airline tickets via emirates.com during that period you will receive an additional 10,000 Skywards Miles.3 You'll also enjoy access to premium travel rewards and benefits.

  • Instalment plans available12

Citi Prestige
100,000 bonus Citi reward Points when you spend $7,500 in the first 60 days from approval.1

You’ve made your mark, now is the time to reap your rewards. Earn 100,000 Citi reward Points when you spend $7,500 in the first 60 days from approval.1 The Citi Prestige credit card can provide exceptional experiences and unlock special privileges including complimentary Priority Pass Membership with unlimited access to over 1,200 lounges worldwide.13

  • Linked Diners Club Card11
  • Instalment plans available12

Card categories

Travel and Rewards Cards

Discover credit cards that will earn you reward points on your everyday purchases.

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Balance Transfer Cards

Get on top of things with our balance transfer credit card offers.

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Premium Cards

Experience the unforgettable with premium travel benefits and a higher reward points earning potential.

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Low Rate Card

A low interest rate credit card can help you start saving on interest.

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No Annual Fee Card

The only Citi card with no late fees or annual fee, ever.

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If you're an existing customer and have found a better Citi Credit Card for your needs, please call 13 24 84.

Benefits for Citi Customers

Citi on Apple Pay.

Pay with your Citi credit card on Apple Pay to enjoy fast, easy and secure payments.10

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Citibank Dining Program.

Citi customers can enjoy  a free bottle of award winning wine every time they dine at partner restaurants and pay using their Citi debit or credit card.

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Citi Rewards Program.

Put life on Points with Citi Rewards. Use your Points to credit back purchases or redeem them for digital gift cards and travel. T&Cs apply.

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More from Citi

Top tips for staying on top of your credit card payments

Credit cards can provide a suite of benefits, offering convenience, financial flexibility and tangible rewards and benefits. However, it is important to keep on top of your monthly repayments to ensure you are maximising all of the benefits of a credit card.

The Rise Of Buy Now Pay Later And The Future of Credit Cards

Unless you’ve avoided setting foot in a retail store or jumping online to do some shopping in the past few years, you’ve likely heard about the latest payment option in Australia: Buy Now Pay Later.

How Do Credit Cards Work And How Do You Use Them

How Do Credit Cards Work And How Do You Use Them

Thinking of getting a credit card but unsure how they work? We outline how to use a credit card, their cost, features, common jargon and different cards for first-timers.

Still have a question?

Important information

Refer to the full Terms and Conditions related to these products 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. Citi Rewards Card - flybuys offer: 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. 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. 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.
    Citi Premier Card: To earn 70,000 bonus Citi reward Points, you must apply for a Citi Premier Card by 30 November 2020, then spend $5,000 on your Citi Premier Card within 60 days of approval. The bonus Citi reward Points will be credited within 6 - 8 weeks of meeting the spend criteria. 
    Citi Prestige Card: To earn 100,000 bonus Citi reward Points, you must apply for a Citi Prestige Card by 30 November 2020, then spend $7,500 on your Citi Prestige Card within 60 days of approval. The bonus Citi reward Points will be credited within 6 - 8 weeks of meeting the spend criteria. 
    For all cards: Cash Advances, Balance Transfers, refunds, Chargebacks, Special Promotions and spend on a Linked Diners Club Card do not contribute to the spend threshold. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program for Citi Rewards Card - flybuys offer and the Terms and Conditions of the Citibank Rewards Program for Citi Premier Card and Citi Prestige Card. Your Account must remain open and in good standing for the bonus Points to be awarded. Points do not expire while the Account remains open and in good standing.
    Please note that if you have a Balance Transfer, you will be charged interest on any spend that you make. Citi Rewards Card - flybuys offer is valid until 30 September 2020. Citi Premier Card offer and Citi Prestige Card offer are valid until 30 November 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.
  2. Balance Transfers: 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 (if applicable) for the advertised promotional period. The promotional period commences once the Balance Transfer is processed. Check the above table to determine the promotional period and any Balance Transfer fees associated with your selected credit card. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance and Balance Transfer fee (if applicable) will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.24% p.a. This offer excludes balances transferred from Citi 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.
    Post these advertised dates; Citi reserves the right to continue, withdraw or change the offer at any time without notice.
    Citi Rewards Card - flybuys offer valid until 30 September 2020.
    Citi Clear Card offer valid until 30 June 2020.
    Citi Premier Card offer valid until 30 November 2020.
    Citi Simplicity Card offer valid until 30 September 2020.
    Citi Rewards Card offer valid until 31 August 2020.
    Emirates Citi World Mastercard offer valid until 31 January 2021.
    Citi Prestige Card offer valid until 30 November 2020.
  3. Emirates Skyward Miles: To be eligible for the 50,000 bonus Skywards Miles, you must apply for your Emirates Citi World Mastercard before 31 January 2021, be approved and spend on your card within the first 90 days of card approval. Cash Advances, Balance Transfers, refunds, Chargebacks, BPAY and Special Promotions are excluded from this offer. To be eligible for the additional 10,000 Skywards Miles, within 90 days of card approval you must purchase airline tickets via emirates.com and spend a minimum of $500.
    Please note that if you have a Balance Transfer, you will be charged interest on any spend that you make. A Cardholder must provide their Emirates Skywards membership number to Citi for the Skywards Miles transfer to occur. You are required to provide Citi with your valid Emirates Skywards membership number within six months of your account opening, otherwise your Skywards Miles will be forfeited. Bonus Skywards Miles will ordinarily be credited within ten weeks of meeting spend criteria. Membership and the earning and redemption of Skywards Miles are subject to the Emirates Skywards Programme Terms and conditions.
  4. Interest free days: 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.
  5. Citi Rewards Card - flybuys offer: 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.
    Citi Rewards Card offer: 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 August 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 
    Emirates Citi World Mastercard: Subject to your acceptance, you will be billed an annual fee of $149 in the first year. This will revert to the full annual fee, currently $299, in subsequent years whilst the account remains open. This offer is valid until 31 January 2021. Citi reserves the right to continue, withdraw or change the offer at any time without notice.
  6. Citibank Dining Program: Conditions apply. Visit citibank.com.au/dine.
  7. Airline, Hotel and Other Loyalty Program Membership: You must be a member of the Airline, Hotel and Other Loyalty Program in which you wish to claim Airline, Hotel and Other Loyalty Points and have advised us of your airline and hotel loyalty program membership number prior to any such redemption. Membership of an airline and hotel loyalty program will be subject to the terms and conditions of that program. Airline, Hotel and Other Loyalty Points may take up to 28 business days to appear in your Airline, Hotel and Other Loyalty Program membership account.
  8. Citi World Privileges: 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.
  9. 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.
  10. 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.
  11. Linked Diners Club Card: 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. 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.
  13. One complimentary digital Priority Pass™ Membership, with unlimited lounge visits, for the primary cardholder is a Special Feature of the Citi Prestige Card. Citi Prestige Credit Cardholders must enrol for the Priority Pass Standard Membership at www.prioritypass.com/prestigeaumc by 31 December 2020. The primary cardholder may bring one guest for free per visit. Any additional guests will be charged directly by the lounge. 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 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 along with the Citi Prestige Credit Card Benefit Terms and Conditions for further information.
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