Pay with Points

Use your Points to get credit back for almost anything you buy with your Citi credit card.*

Whether it's your first flat white in the morning, a cheeky pizza, groceries or a wardrobe refresh you can use your Points to get a credit back no matter how big or small the purchase.

Limited Time Offer

Receive a $20 JB Hi-Fi eGift Card

when you redeem 20,000 Points or more using ‘Pay with Points’ in November 2020.^


How to Pay with Points anytime via the Citi Mobile® App:


Go to 'See all transactions' and tap your eligible purchase*


Tap 'Pay with Points'


Receive a credit back within 2 business days


If you don’t have the Citi Mobile® App, download it today.

Alternatively if you’re using a desktop you can sign on to Citibank Online, click 'Pay with Points' under the 'Rewards' tab and follow the prompts.


Don't have a Citi credit card?

Simply click below to view our range of credit cards and offers available.

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How much can your Points give you?

Select your card


2,500 Points = $10


4,000 Points = $10


2,500 Points = $10


2,500 Points = $10

Important Information

*Pay with Points is available on eligible purchases. An eligible purchase means an Eligible Transaction (excluding Citi PayAll Payments) that you Pay with Points within 60 days of the Transaction Date. An Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi accounts, bank fees and charges such as interest and ATM charges, transactions made using Points and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs) and excludes any transaction that you are not permitted to make under your Account Terms and Conditions.

^To be eligible to receive a $20 JB Hi-Fi eGift Card you must redeem 20,000 Points or more using Pay with Points from 30 October to 30 November 2020. Offer is limited to one eGift card per account. Your eGift card will be sent to your registered email address. eGift Cards are not reloadable or redeemable for cash. Your account must remain open and in good standing for your eGift Card to be received.

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