Citi Credit Cards

Citi is a provider of credit cards, bank accounts, home loans, personal loans, investment products, and insurance products.

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If you’re considering a Citi credit card, check out what’s available below in our comparison table based on a monthly spend of $1,000. Please note that this table has been sorted by annual fee (lowest to highest).

What credit cards does Citi offer?

There are five different types of Citi credit cards at the time of writing:

Citi Prestige
Emirates Citi World Mastercard
Citi Rewards
Citi Simplicity
Citi Clear

We have summarised below some of the key features of these credit cards, according to the information available on Citi’s website at the time of writing.

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Citi Prestige Credit Card

Features

Card type: Mastercard
Minimum credit limit: $30,000
Maximum credit limit: $100,000
Minimum income requirement: $150,000 per year
Digital wallet: Smartphone payments via digital wallet are enabled for Apple Pay and Samsung Pay.
Contactless payments: Make payments under $100 with Mastercard PayPass.
Online: Card can be managed through online banking and mobile app.
Insurance: Card comes with international travel insurance, transit accident insurance, purchase cover insurance, extended warranty insurance and guaranteed pricing scheme.
Emergency card replacement: 24/7 customer service if your card is lost or stolen and worldwide customer service and fraud protection.
Rewards program: Earn Citi reward Points for money spent using the card. Earn more Citi reward Points with a linked Diners Club Card. Access to personal concierge services, Citi World Privileges, and more.

Emirates Citi World Credit Card

Features

Card type: Mastercard
Minimum credit limit: $15,000
Maximum credit limit: $100,000
Minimum income requirement: $75,000 per year
Digital wallet: Smartphone payments via digital wallet are enabled for Apple Pay and Samsung Pay.
Contactless payments: Make payments under $100 with Mastercard PayPass.
Online: Card can be managed through online banking and mobile app.
Insurance: Card comes with international travel insurance, transit accident insurance, interstate flight inconvenience insurance, purchase cover insurance, extended warranty insurance and guaranteed pricing scheme.
Emergency card replacement: 24/7 customer service if your card is lost or stolen and worldwide customer service and fraud protection.
Rewards program: Earn Emirates Skywards Miles for money spent using the card. Access to personal concierge services, Citi World Privileges, and more.

Citi Rewards Credit Card

Features

Card type: Mastercard
Minimum credit limit: $6,000
Maximum credit limit: $100,000
Minimum income requirement: $35,000 per year
Digital wallet: Smartphone payments via digital wallet are enabled for Apple Pay and Samsung Pay.
Contactless payments: Make payments under $100 with Mastercard PayPass.
Online: Card can be managed through online banking and mobile app.
Insurance: Card comes with international travel insurance, transit accident insurance, purchase cover insurance, extended warranty insurance and guaranteed pricing scheme.
Emergency card replacement: 24/7 customer service if your card is lost or stolen and worldwide customer service and fraud protection.
Rewards program: Earn Citi reward Points for money spent using the card. Earn more Citi reward Points with a linked Diners Club Card. Access to personal concierge services, Citi World Privileges, and more.

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Citi Simplicity Credit Card

Features

Card type: Mastercard
Minimum credit limit: $6,000
Maximum credit limit: $100,000
Minimum income requirement: $35,000 per year
Digital wallet: Smartphone payments via digital wallet are enabled for Apple Pay and Samsung Pay.
Contactless payments: Make payments under $100 with Mastercard PayPass.
Online: Card can be managed through online banking and mobile app.
Insurance: Card comes with transit accident insurance, purchase cover insurance, extended warranty insurance and guaranteed pricing scheme.
Emergency card replacement: 24/7 customer service if your card is lost or stolen and worldwide customer service and fraud protection.

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Citi Clear Credit Card

Features

Card type: Mastercard
Minimum credit limit: $6,000
Maximum credit limit: $100,000
Minimum income requirement: $35,000 per year
Digital wallet: Smartphone payments via digital wallet are enabled for Apple Pay and Samsung Pay.
Contactless payments: Make payments under $100 with Mastercard PayPass.
Online: Card can be managed through online banking and mobile app.
Insurance: Card comes with purchase cover insurance, extended warranty insurance, guaranteed pricing scheme and transit accident insurance.
Emergency card replacement: 24/7 customer service if your card is lost or stolen and worldwide customer service and fraud protection.

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Citi credit card FAQs

To apply for the Citi credit card, you must be able to satisfy the following criteria:

Be at least 18 years old
Be an Australian resident
Earn the specified minimum income requirement

For more information on eligibility criteria, refer to the Citi website.

First, check whether you are eligible to apply for a Citi credit card. See above for the eligibility requirements.

If you meet the eligibility requirements, you can apply online – it takes about 15 minutes, according to Citi. Have your ID and income details handy.

You can expect to receive a response in around 60 seconds (Citi). In some cases, an instant response cannot be made and you will need to provide further information before the card can be approved; in this case, the card provider will contact you. You can check your application status at any time online, via the online email contact form, or by calling 13 24 84 (within Australia) with your Application ID number.

You can manage your Citi credit card through Citi online banking. Use online banking to do things like view your recent transaction history, view your balance, edit recurring payments, and more.

When interest is charged:

Interest is charged when you carry a balance on your Citi credit card. Interest is charged on cash advances and bank cheques from the date of withdrawal (fees and charges apply) and balance transfers from the date of transfer.

When interest is not charged:

Up to 55 interest-free days apply to Citi credit card purchases if you have paid the balance in full for the previous month’s statement and for the current month’s statement (the statement on which the purchases are listed).

Your credit limit for a Citi credit card will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits available for each card.

You can request a decrease in credit limit at any time, keeping in mind the minimum credit limits on each card.

Citi credit cards offer the option of having up to 4 additional cardholders (aged over 16 years old) attached to your account. Additional cardholders receive their own Citi credit card linked to your account, and all transactions made using additional cards will be itemised separately on your credit card statement. Request an additional cardholder through online banking or by calling CitiPhone on 13 CITI (13 24 84).

You can close your Citi credit card account at any time by contacting CitiPhone:

Phone: 13 CITI (13 24 84) (within Australia) or + 61 2 8225 0615 (from overseas) (open 24 hours, 7 days, Mon-Sun)

Your card balance will need to be repaid in full even after the card is closed. You will continue to receive monthly statements until your card balance is fully repaid.

If you are experiencing financial hardship, contact the Hardship Assistance team to get help in making repayments:

Phone: 1800 722 879 (open Mon-Fri)

If you are closing your Citi credit card because you’re not satisfied with it, consider your other options when it comes to credit cards:

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Citi Australia was formed in 1977 as the Citicorp Australia Holdings in 1977. It then commenced consumer operations in Australia in 1985, the first foreign bank to be granted a banking licence. According to Citi, it is one of the world’s largest financial services companies and has a presence in nearly 100 countries.

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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 financial and credit products. NAB has acquired the business relating to these products from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to distribute and assist to administer the products.

“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.

Written by: TJ Ryan | Last updated: April 1, 2020

Citi Credit Cards

Compare Citi Credit Cards

What credit cards does Citi offer?

Citi Prestige Credit Card

Features

Emirates Citi World Credit Card

Features

Citi Rewards Credit Card

Features

Citi Simplicity Credit Card

Features

Citi Clear Credit Card

Features

Citi credit card FAQs

Eligibility to apply for a Citi Credit Card

How to apply for a Citi credit card

How do I manage my Citi credit card through online banking?

How is interest calculated on my Citi credit card?

When interest is charged:

When interest is not charged:

What will my credit limit be on my Citi credit card?

How do I add an additional cardholder to my Citi credit card?

How do I close my Citi credit card account?

About Citi Australia

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