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Citi Rewards Card

11.99% p.a. on Retail Purchases and Cash Advances1
plus no annual fee.2

Apply Now

Citi employees can access a Citi Rewards Card with a low retail purchase and cash advances rate of 11.99% p.a. (normally 21.49% p.a. on retail purchases and 22.24% p.a. on cash advances)1 and no annual fee2 while you're a Citi employee.

 

giftEarn Citi reward Points when you spend

 
Citi reward Points per $1 spent

International Spend
on Eligible Transactions3 made overseas or online with a merchant that is based overseas

1 Citi reward Point

Domestic Spend
on Eligible Transactions3 capped at $10,000 spend per statement period

1 Citi reward Point

Citi PayAll4 Spend
Earn uncapped5 Citi reward Points on everyday expenses such as rent, taxes, education fees, property management fees, childcare and miscellaneous bills

1 Citi reward Point

2 Citi reward Points

 

Spend Citi reward Points the way you want

Pay with Points

Treat yourself and redeem your Citi reward Points for eligible purchases you’ve already made on your credit card and receive a statement credit back on your account.8

Travel

Redeem from a range of travel options such as flights, hotels, car hire, etc. or simply transfer your Points to airline miles at a participating partner.9

Shop with Points

You can also use your Citi reward Points to pay for TVs, appliances, homewares and much more at kogan.com.10


Complimentary Insurances

Receive Complimentary Insurances including International Travel Insurance, Purchase Cover Insurance and Extended Warranty.11

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


Unlock priceless experiences through Mastercard® PricelessTM Cities

With Priceless Cities, explore unforgettable experiences around the world. Learn more at priceless.com.


Free wine when you dine

Enjoy a free bottle of wine every time you dine and pay with your Citi card at one of our partner restaurants. Conditions apply. Learn more about the Citibank Dining Program.


dollarA 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 a fee of 2% of the Citi PayAll amount you can turn payments into rewards by earning uncapped5 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.4


Personal Concierge Service

No time to plan your next adventure? Let your personal concierge help you out. From suggesting a brewery in Brooklyn, to booking concert tickets in Melbourne, they can assist you from anywhere in the world, 24 hours a day, 7 days a week. Simply call 1800 818 008.12


Rewards the world over

Want even more rewarding opportunities? We have you sorted, with a range of exclusive offers available at home or around the world. With deals on dining, shopping and local experiences, you’ll be sure to find something to say yes to.13


Annual fee
$0 while you are a Citi employee.2

Additional cardholder fee
$0 while you are a Citi employee.2 You may have up to four (4) additional cardholders, who must be 16 years or older.

Retail purchase rate
11.99% p.a. (normally 21.49%).1

Cash advance rate
11.99% p.a. (normally 22.24%).1

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.

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 International Travel Insurance11
When you purchase your flights with your Citi Rewards Card, 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 Insurance11
Purchase your overseas travel tickets with your Citi Rewards Card 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 Insurance11
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 Card if you make a claim within 21 days.
Complimentary Extended Warranty Insurance11
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 Card in the event that the product breaks.
Complimentary Guaranteed Pricing Scheme11
Purchase a product using your Citi Rewards Card, 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

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 Card using Apple Pay.14 It’s the easy and secure way to pay. Learn more about Apple Pay.

Samsung Pay
Use your Citi Rewards Card 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.

Earn Citi reward Points faster with a Linked Diners Club Card6

Citi Credit Card

Request a Linked Diners Club Card with your Citi Credit Card and when you use it you'll enjoy:

  • An uncapped earn rate of 2 Points per $1 spent on all Eligible Transactions7
  • Points earned will be added to your Rewards Balance
  • No International Transaction Fees when spending overseas15
  • One PIN used across both Mastercard and Linked Diners Club Card, one monthly payment and same online banking log in details.

Enjoy all this with no additional fees. Linked Diners Club Cards are accepted at Coles, Woolworths, Bunnings and many more retailers at home and abroad (See a full list of retailers and our FAQ here).

Here's what you'll need to apply

Be a Citi employee

Around 10 minutes to complete the application

Earn more than $35,000 a year

Be 18 years or older and an Australian resident

Important Information

To access the full Terms and Conditions related to this product, click here.

Fees and charges apply. Credit Criteria apply. New cards customers only and cannot be used in conjunction with any other offers. 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. Terms and conditions apply and are available upon request.

This offer is valid until 31 December 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

  1. A discounted annual percentage rate, currently 11.99%, will apply to Retail Purchases and Cash Advances while you are an employee of Citi. The standard annual percentage rate, currently 21.49% for Retail Purchases and 22.24% for Cash Advances, will apply if you are no longer an employee of Citi.

  2. No annual fee applies while you are an employee of Citi. An annual fee, of $199 will be charged on the next anniversary of the date your Account was approved if you are no longer an employee of Citi. The annual additional cardholder fee will also be waived while you are a Citi employee. An annual additional cardholder fee of $90 per additional card will be charged on the next anniversary of the date your Account was approved if you are no longer an employee of Citi. Annual fees are subject to change.

  3. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. 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.

  4. 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. A fee of 2% of the amount of the Citi PayAll payment is payable and is debited to your Account each time a Citi PayAll payment is made. 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.

  5. 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.

  6. 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.

  7. 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.

  8. 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.

  9. 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.

  10. 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.

  11. 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.

  12. Concierge Services is a complimentary service available to the Primary Cardholder of a Citi Rewards Credit Card. Refer to the Terms and Conditions of the Citibank Rewards Program. Concierge Services provided by Aspire Lifestyles (Australia) Pty Ltd.

  13. 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.

  14. 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.

  15. 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).

© 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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