Credit Cards

Things you should know

Fees and charges apply. Credit criteria apply. New credit card customers only. These offers are not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer. A credit check is performed each time you apply for a credit card. Credit reporting bodies make a record of these enquiries and this information may be used and disclosed for the purposes of assessing your credit worthiness, including your credit score and credit rating. For example, making multiple credit applications over a short period of time could have a negative effect on your credit score, as this may reduce your chances of approval.

Refer to the full Terms and Conditions related to these products here. To obtain a copy of the Target Market Determination (TMD) related to these products, 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.

• ø4th Night on Us: The promo code "PRESTIGE4N" must be applied at checkout to redeem the benefit. 4th Night on Us benefit is capped at 4 redemptions per calendar year and bookings must be made and used in the same calendar year. The credit amount is capped at $1,000 per redemption. 4th Night on Us is a special feature of the Citi Prestige Credit Card. Valid for Citi Prestige Primary Cardholders only. A minimum of 4 consecutive nights' stay is required in order to receive a credit for one night. This benefit cannot be used in conjunction with other offers/benefits. The credit value of the one night is calculated as the average nightly room rate for the total nights' stay. Only one credit amount will be paid per Citi Prestige Primary Cardholder per room per booking. Booking for the accommodation must be of the same room types. Back-to-back stays are not allowed. Back-to-back stays are stays at the same city/state booked on two reservations (as an example, you book four nights at a hotel on one reservation for Monday, Tuesday, Wednesday and Thursday and book another four nights on another reservation for Friday, Saturday, Sunday and Monday. In this situation, you would only be eligible for one complimentary night for the 8-night stay). Between each booking, a minimum of a 7-day window is required. Luxury Escapes Pty Ltd pays a commission to National Australia Bank for certain booking types. Offer is renewed each year unless we notify you otherwise. Please refer to the full Terms and Conditions for further information.

• $Luxury Escapes
  For Citi Prestige Card: 10% discount is valid on 'Limited Time LUX Exclusive' hotel offers in Australia and 15% discount on ‘Limited Time LUX Exclusive’ international hotel offers and a 10% discount on international tours (excluding flights) at luxuryescapes.com/au or on the Luxury Escapes mobile app. Offer valid at Australian website only. Offer is exclusive to Citi Prestige Credit Cardholders and is not transferable. Maximum discount available per transaction is $500 for Limited Time Lux Exclusive hotels and $250 for international tours. Offer is valid if booked by 1 March 2026. To be eligible, customers must use their Citi Prestige Credit Card at checkout along with the promo code PRESTIGELUX when purchasing ‘Limited Time LUX Exclusive’ hotels, or MYLUXTOURS10 when purchasing an international tour, and the discount will be applied automatically. Excludes transactions made through a third-party establishment or payment processor. We may vary or end this offer at any time acting reasonably. We will notify you of any changes electronically (including via www.citibank.com.au/credit-cards/benefits) or other appropriate method as soon as reasonably practicable. Offer is not valid on flights, LUX Partner Properties, LUX Premium Collection, Last Minute Escapes, Cruises, Experiences or Gift Cards. Offer is not combinable with any other discount or offer. Offer ends 1 March 2026.
  For all other cards: 10% discount is valid on 'Limited Time LUX Exclusive' hotel offers in Australia and 15% discount on ‘Limited Time LUX Exclusive’ international hotel offers and a 10% discount on international tours (excluding flights) at luxuryescapes.com/au or on the Luxury Escapes mobile app. Offer is valid at Australian website only. Offer is exclusive to Citi branded cardholders and is not transferable. Maximum discount available per transaction is $250. Offer is valid if booked by 1 March 2026. To be eligible, customers must use their Citi branded card at checkout along with the promo codes MYLUXPROMO when purchasing ‘Limited Time LUX Exclusive’ hotels or MYLUXTOURS10 when purchasing an international tour, and the discount will be applied automatically. Excludes transactions made through a third-party establishment or payment processor. We may vary or end this offer at any time acting reasonably. We will notify you of any changes electronically (including via www.citibank.com.au/credit-cards/benefits) or other appropriate method as soon as reasonably practicable. Offer is not valid on flights, LUX Partner Properties, LUX Premium Collection, Last Minute Escapes, Cruises, Experiences or Gift Cards. Offer is not combinable with any other discount or offer. Offer ends 1 March 2026.

• ∞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 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.

• ≥Airport lounge access: One complimentary digital Priority Pass™ Membership, with 15 complimentary lounge visit entitlements, is a special feature of the Citi Prestige Credit Card. The Citi Prestige primary cardholder will receive 15 lounge visit entitlements for each 12-month period, commencing from registration and provided their account is in good standing (for example – the account is not in default, suspended or closed). The lounge visit entitlement may be used by the primary cardholder and any accompanying guests, provided they attend together. For each visit, one lounge visit entitlement is required per person. For example, a visit by the primary cardholder and one guest will require 2 lounge visit entitlements. Unused lounge visit entitlements will expire at the end of each 12-month period and will not be carried over. Visits outside of the complimentary allowance will be charged directly by Priority Pass™. To view details for lounge visit entitlements, including entitlement period dates, login to the Priority Pass™ App. Citi Prestige primary cardholders must enrol for the Priority Pass™ Standard Membership at www.prioritypass.com/prestigeaumc. Access the Digital Membership Card by using the Priority Pass™ App which can be downloaded via the Apple App Store or the Google Play Store. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass™ is available at selected 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.

• »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 examples are based on current redemption rates as at 28 October 2024 and is subject to change.

• π5% discount on international flights with Trip.com
  To be eligible to receive the 5% discount on your international flight from Australia, the flight must be booked via the unique Trip.com link on either the Mobile App or website from 28 November 2024 to 31 December 2025 for travel by 30 September 2026. To receive the 5% discount, you must enter the promotional code at checkout and pay with your eligible Citi Credit Card. Eligible cards are Citi Prestige Mastercard, Premier Mastercard, Rewards Mastercard, Simplicity Mastercard, Clear Mastercard and Classic Plus Card. The discount will apply to the price including taxes and fees. This discount applies to single, return and multi-city flights from Australia. Bookings of "flight+hotel" and "ticket+hotel" are excluded from this promotion. Only one promo code can be applied to each reservation. Promo codes cannot be used in conjunction with any other promotions or offers and cannot be exchanged for cash or Trip Coins. Cancellation policy may vary. Please refer to the cancellation policy of the specific ticket type before booking. Trip.com reserves the right to cancel any bookings of members who engage in fraudulent, disruptive, or abusive behaviour, or who violate these terms. We may vary or cancel the discount offer at any time acting reasonably. We may vary or end this offer at any time. Other forms of payment e.g. PayPal, gift cards or loyalty points will not be eligible for the discounted offer. Listed Citi Credit Cards are eligible provided your account is open and in good standing (for example - your account is not in default, suspended or closed).

• £10% off selected hotels with Expedia or Wotif
  To receive the 10% discount on your stand-alone prepaid hotel booking at participating hotels you must book via the unique www.expedia.com.au/traveloffer  or www.wotif.com/traveloffer link from 25 February 2025 to 31 January 2026 for stays completed by 30 June 2026, enter the Coupon code on the payment page, and pay with your valid Citi Credit Card issued by NAB. Discount applies to the first room in multi-room bookings and cannot be combined with other Coupon codes or applied to past bookings. Taxes, fees, and other charges are not included in the discount. The offer is subject to availability and Expedia and Wotif booking terms (see Expedia and Wotif). We may vary or end this offer at any time acting reasonably. We will notify you of any changes electronically (including via www.citibank.com.au/credit-cards/benefits) or other appropriate method as soon as reasonably practicable. NAB may receive a commission from Expedia or Wotif on all hotel bookings made under this offer.