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Welcome to a world of everyday rewards.
Citi Rewards Card Benefits
Luxury Escapes
Get 10% off (up to $250) on 'Limited Time LUX Exclusive' hotel offers with your Citi Rewards Card using Promo Code: CITI10.*
Valid until 1 March 2025.
Complimentary Mobile Phone Insurance
Enjoy monthly cover on your eligible mobile phone for Accidental Damage or Theft when you pay your Monthly Mobile Plan bill with your Citi Rewards Card.+ Learn more
Complimentary Insurance
Receive complimentary insurances including International and Domestic Travel Insurance, Purchase Protection Insurance and Extended Warranty Insurance.~ Learn more
BINGE
Get $10 cashback every month until 31 October 2025 when you sign up for a Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription with your Citi Rewards Mastercard. Stream the TV shows and movies everyone is talking about.>
Offer ends 31 October 2025
Find out more about your card benefits
Learn moreCiti reward Points
Earn rewards on your everyday spend
on Eligible Transactions made overseas or online with a merchant that is based overseas.¥
on Eligible Transactions capped at $10,000 spend per statement period.¥
Citi Rewards Program
Redeem rewards the way you want
Whether it's a daily coffee or some online shopping, just pay for eligible purchases with your Citi Rewards Card and use your Points to receive a credit back.∞
- Download and log in to the Citi Mobile® App or sign on to Citi Online
- Select your eligible purchases and click 'Pay with Points'
- Receive a credit back within 2 business days
Use your Points to pay for products on Kogan.com by registering your Citi Rewards Card and selecting Shop with Points at the checkout.?
- Register for a Kogan account at Kogan.com and log in
- Select 'Card Rewards' and add your Citi Rewards Card details
- Choose 'Shop with Points' at the checkout
Alternatively visit Citi Rewards to explore our range of eVouchers, cashback, Apple products and Points transfer partner options.
Citi Instalment Plans
Break big expenses into smaller, fixed monthly repayments.
Like buy now pay later, but for anything, 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.@
Citi Mobile® App
For a simple and fast way of transacting at your fingertips, download the Citi Mobile® App today.
• Activate your new card and set up your PIN
• Instantly lock and unlock your card to prevent misuse
• View your recent transactions and statements
• View reward Points and latest offers available to you
What happens next?
Once you receive your card, sign the back and then activate it.
The easiest way to activate your card is using the Citi Mobile® App or your Citi Online account.
View more instructions on activating your card.
Add your Citi Card to your Mobile Wallet using Apple Pay, Google Pay or Samsung Pay to experience a faster more convenient way to pay.
Set up recurring payments by contacting your regular merchants and adding your Citi Card details to ensure payments are made on time.
Request for an additional cardholder (up to four) on your account at $90 per additional cardholder, who must be 16 years or older.
For more information about Managing your Account such as Citi Online, setting up Citi Alerts,
changing your PIN etc. visit citibank.com.au/help-and-support.
Terms and Conditions
Credit Card Terms and Conditions and Other Important Information
Notice of changes to Citi PayAll for all Citi Credit Cards - effective 20 January 2025
Citi Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions
Citi Credit Cards Complimentary Insurance Policy Information Booklet – effective 1 November 2023
Citigroup Pty Limited Credit Assistance Provider Credit Guide
* 10% discount is valid on 'Limited Time LUX Exclusive' hotel offers (excludes flights) at luxuryescapes.com/au or on the Luxury Escapes mobile app. Offer valid at Australian website only. Offer is valid exclusively to Citi branded credit cardholders and is not transferable. Maximum discount available per transaction is $250. Offer is valid until 1 March 2025. To be eligible, customers must use their Citi credit card at checkout along with the promo code CITI10, and the discount will be applied automatically. Excludes transactions made through a third-party establishment or payment processor. Offer is not valid on flights, LUX Partner Properties, LUX Premium Collection, Last Minute Escapes, Tours, Cruises, Experiences or Gift Cards. Offer is not combinable with any other discount or offer.
+ 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 National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). 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”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. This Cover is available to Cardholders ("you/your") while you remain an eligible Mastercard and/or Visa cardholder of NAB, subject to NAB’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. Neither Citi nor NAB is the issuer or insurer of the Cover. Neither Citi nor NAB nor any of its related corporations guarantee any of the benefits under the Cover. Please note that you must have a contract with a mobile phone provider and a monthly automatic billing arrangement.
~ AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB") which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). 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"). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.
> To be eligible for the $10 monthly cashback (Cashback Offer) your monthly payment for your BINGE Standard or BINGE Premium subscription must be made between 20 November 2024 – 31 October 2025 (Promotional Period) using your eligible Citi Prestige Mastercard, Citi Premier Mastercard, Citi Rewards Mastercard, Citi Clear Mastercard credit cards. The Cashback Offer is only available on BINGE Standard or Premium monthly subscriptions. BINGE Standard and Premium subscriptions will automatically renew each month at full RRP. Must sign up via binge.com.au. Excludes sign ups via Hubbl.com.au. This Cashback Offer cannot be used in conjunction with any other offer, promotion, special offer, discount, coupon, or discount code, nor is it transferrable. Subscriptions purchased using any other form of payment (e.g. through a third-party establishment or payment processor such as Telstra, PayPal, gift cards, Apple Pay, Samsung Pay and Google Pay, or loyalty points) will not be eligible for the Cashback Offer. The Cashback Offer will be credited to your account by the next statement after the eligible BINGE subscription has been purchased each month you stay subscribed to BINGE during the Promotional Period, provided your account is in good standing (for example – your account is not in default, suspended or closed). Cashback will not be credited to your account if the qualifying spend is refunded. Customers who upgrade to the BINGE Standard or Premium plan during the Promotional Period, otherwise in accordance with these terms, will be eligible for the Cashback Offer, which will be paid by the statement after first full payment of the higher subscription fee. The Cashback Offer payment will reduce the outstanding balance of your credit card account but will not count towards your next minimum monthly repayment obligation. Please note that if you have a Balance Transfer you will be charged interest on any spend that you make. Credit is not redeemable for cash or other payment form. Use of BINGE requires acceptance of the Hubbl Streaming & Account Customer Terms. Please note that any questions regarding your BINGE subscription should be directed to BINGE Support. Any questions regarding your cashback or credit card account should be directed to the Citi Customer Service Team. We may vary or cancel the Cashback 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.
¥ All rewards are subject to the Terms and Conditions of the Citi 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, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi branded accounts, 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). Please note that whether or not a transaction is an Eligible Transaction will be determined based on information provided either by the merchant or the relevant financial institution (including information about the type of business conducted by the merchant). This means that, for example, spend with certain merchants may be characterised as spend with a government related entity and therefore not an Eligible Transaction, even if that merchant is not in fact a government related entity; or
∞ 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.
? 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 a participating Rewards Program ("eligible reward card"), enrol your eligible reward card with Kogan.com and agree to the Shop with Card Reward Points terms and conditions. Participating Rewards Programs include Citi Rewards. 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 at kogan.com/au/terms-conditions-card-reward-points are to be read in conjunction with the Rewards Program terms and conditions.
@ Citi Instalment Plans are defined in the Credit Card Terms and Conditions 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 (for example – your account is not in default, suspended or closed). 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.
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