Citi Credit Cards

Citi (formerly known as Citibank) is a provider of credit cards, bank accounts, home loans, personal loans, investment products, and insurance products.[/bs_lead]

“Live more with Citi.” (Citi)

Types of Citi credit card

Citi logoThere are 8 different types of Citi credit card:

  1. Citi Prestige
  2. Emirates Citi World
  3. Citi Qantas Signature
  4. Citi Rewards Signature
  5. Citi Rewards Platinum
  6. Citi Classic
  7. Citi Simplicity
  8. Citi Clear Platinum

At the time of writing, sign-up bonuses apply to certain cards. For example, with the Emirates Citi World credit card, you can earn a 10% discount off an Emirates flight the first time you make a purchase using the card.

Samsung Pay is now available with Citi credit cards:

Source: Citi Australia

All Citi credit cards come with the following benefits:

  • Contactless payments: Make payments under $100 with all cards enabled with Visa payWave – applies to all cards except Emirates Citi World credit card, which is enabled with MasterCard PayPass.
  • Online: Card can be managed through online banking and mobile app.
  • Budgeting help: Track your account with SMS and email alerts.
  • Insurance (optional): Optional CardAssure Credit Card Insurance available at an extra cost of $0.69 per $100 of balance on the card. Cover pays varying amounts of the card balance if cardholder experiences a life event, serious injury or illness, involuntary unemployment, critical illness, or death. Age limits apply to coverage (18 – 59 years only).
  • Emergency card replacement: Worldwide emergency card replacement assistance if your card is lost or stolen.
  • Security: Card is protected by Fraudshield.

The inclusions mentioned represent a selection of what is covered at the time of writing. Additional terms and conditions may apply to different features. Additional fees may apply to the product. CANSTAR is not making any suggestion or recommendation to you about this product. Please ensure that you read the product disclosure statement to determine all the current options and inclusions for the product you are considering.

Compare Credit Cards

Citi Prestige Credit Card

Citi Prestige Credit Card

Features

  • Card type: VISA
  • Minimum credit limit: $30,000
  • Maximum credit limit: $100,000
  • Minimum income requirement: $150,000/year
  • Rewards program: Choose from either Citi Rewards Program or Citi Qantas Rewards Program.
    • Citi Rewards: Earn 2 points for every dollar spent on purchases in Australia (uncapped, no expiry); earn 5 points for every dollar spent on international purchases including online shopping. Points are redeemable for gift cards, merchandise, cashback, and more. Extensive travel rewards available.
    • Citi Qantas Rewards: Earn 1 Qantas Frequent Flyer point for every dollar spent on eligible purchases. Points are redeemable for Classic Award flights on Qantas, Jetstar, and participating partner airlines, merchandise, experiences, and gift cards from Qantas Frequent Flyer online store. Additional annual fee applies (see below).
    • Complimentary travel: A complimentary one-way transfer to or from select airports, available twice per year in the Asia Pacific region. One complimentary night at any hotel worldwide when you stay a minimum of 4 consecutive nights there. Three complimentary green fees per year at participating golf clubs.
    • Concierge: Citi Prestige Priority hotline number.
    • Lounge access: Unlimited airport lounge access for you and one guest with Priority Pass membership.
    • Dining: Free wine every time you dine with the Citibank Dining Program.
    • Exclusive offers: Citi World Privileges, VISA Front Line Access, including pre-sale access to event tickets.
    • Financial advice: Citigold provides access to banking and investment financial advice.
  • Insurance (complimentary):
    • International Travel Insurance when you purchase your flights with the card.
    • Interstate Flight Inconvenience Insurance when you purchase your flights with the card.
    • Transit Accident Insurance when you pay for your transport with the card, up to $500,000.
    • Purchase Cover for items lost, stolen, or accidentally damaged within 90 days of purchase.
    • Extended Warranty Insurance doubles the manufacturer’s Australian warranty on new items, for up to an additional 12 months.
    • Guaranteed Pricing Scheme to claim the difference in cost (more than $75 but less than $500) if you find the same product advertised for a lower price within 60 days at a store within 25km, and you bought the product in person not online.

Rates and Fees

  • Interest rate on purchases: 99% p.a.
  • Interest free days: Up to 44 days if balance paid in full every month
  • Cash advance rate: 74% p.a.
  • Cash advance fee: Greater of 3.5% or $3.50
  • Balance transfer rate: 0% for first 6 months (afterwards reverts to 21.74% a.)
  • Balance transfer fee: No balance transfer fee
  • Annual fee: $700/year, plus (for Citi Qantas Rewards only) an additional $49/year for Citi Qantas Rewards membership
  • Additional cardholder annual fee: $0/year for up to 4 additional cardholders (must be 16 years or older)
  • Minimum monthly repayment: Greater of 2% of balance or $30
  • Payment handling fee: $2.50 to pay at Australia Post over the counter
  • International fees: 40% conversion fee on all purchases and cash advances overseas; $5 cash advance fee for overseas ATMs plus 3.40% conversion fee
  • Paper statement fee: $7/statement
  • Late fee for overdue minimum payment: $10
  • Over-the-limit fee: $40
  • Dishonour fee: $15

Emirates Citi World Credit Card

Emirates Citi World Credit Card

Features

  • Card type: MasterCard
  • Minimum credit limit: $15,000
  • Maximum credit limit: $100,000
  • Minimum income requirement: $75,000/year
  • Rewards program:
    • Emirates: 10% discount off an Emirates flight the first time you make a purchase using the card.
    • Emirates Skywards Miles (rewards points): Earn 1 point for every dollar spent on purchases in Australia up to $3,000/month, then earn 0.5 points per dollar spent up to $10,000/month; earn 1.25 points for every dollar spent on international purchases (uncapped); earn 1.5 points on airline ticket purchases. Points are redeemable for travel rewards and more.
    • Lounge access: Two complimentary airport lounge passes per year at any Emirates lounge in Australia, when flying Emirates.
    • Chauffeur: One complimentary chauffeur-driven service per year to and from the airport, when flying Emirates.
    • Accommodation upgrades: Starwood Preferred Guest membership upgrade to Gold status; provides free room upgrades.
    • Dining: Free wine every time you dine with the Citibank Dining Program.
    • Exclusive offers: Citi Word Privileges and World MasterCard travel and entertainment benefits. Access to World Golf greens and tours.
  • Insurance (complimentary):
    • International Travel Insurance when you purchase your flights with the card.
    • Interstate Flight Inconvenience Insurance when you purchase your flights with the card.
    • Transit Accident Insurance when you pay for your transport with the card, up to $500,000.
    • Purchase Cover for items lost, stolen, or accidentally damaged within 90 days of purchase.
    • Extended Warranty Insurance doubles the manufacturer’s Australian warranty on new items, for up to an additional 12 months.
    • Guaranteed Pricing Scheme to claim the difference in cost (more than $75 but less than $500) if you find the same product advertised for a lower price within 60 days at a store within 25km, and you bought the product in person not online.

Rates and Fees

  • Interest rate on purchases: 99% p.a.
  • Interest free days: Up to 55 days if balance paid in full every month
  • Cash advance rate: 74% p.a.
  • Cash advance fee: Greater of 3.5% or $3.50
  • Balance transfer rate: 0% for first 9 months (afterwards reverts to 21.74% a.)
  • Balance transfer fee: No balance transfer fee
  • Annual fee: $149 for first year; afterwards 299/year
  • Additional cardholder annual fee: $0/year for up to 4 additional cardholders (must be 16 years or older)
  • Minimum monthly repayment: Greater of 2% of balance or $30
  • Payment handling fee: $2.50 to pay at Australia Post over the counter
  • International fees: 40% conversion fee on all purchases and cash advances overseas; $5 cash advance fee for overseas ATMs plus 3.40% conversion fee
  • Paper statement fee: $7/statement
  • Late fee for overdue minimum payment: $10
  • Over-the-limit fee: $40
  • Dishonour fee: $15

Citi Qantas Signature Credit Card

Citi Qantas Signature Credit Card

Features

  • Card type: VISA
  • Minimum credit limit: $15,000
  • Maximum credit limit: $100,000
  • Minimum income requirement: $75,000/year
  • Rewards program:
    • Citi Qantas Rewards: Earn 1 Qantas Frequent Flyer point for every dollar spent on purchases in Australia (up to $3,000/month); earn 1 Qantas point for every dollar spent on international purchases (uncapped). Points are redeemable for Classic Award flights on Qantas, Jetstar, and participating partner airlines, merchandise, experiences, and gift cards from Qantas Frequent Flyer online store. Additional annual fee applies (see below).
    • Concierge: 24/7 personal concierge available worldwide.
    • Lounge access: Complimentary Priority Pass membership and 2 airport lounge passes per year.
    • Airport: 15% discount on Visa SpeedPass Meet and Assist service to get you through immigration faster.
    • Dining: Free wine every time you dine with the Citibank Dining Program.
    • Exclusive offers: Citi World Privileges, including discounts on dining, theme parks, magazines, shopping, wine, travel, movie tickets, and pre-sale access to event tickets.
  • Insurance (complimentary):
    • International Travel Insurance when you purchase your flights with the card.
    • Interstate Flight Inconvenience Insurance when you purchase your flights with the card.
    • Transit Accident Insurance when you pay for your transport with the card, up to $500,000.
    • Purchase Cover for items lost, stolen, or accidentally damaged within 90 days of purchase.
    • Extended Warranty Insurance doubles the manufacturer’s Australian warranty on new items, for up to an additional 12 months.
    • Guaranteed Pricing Scheme to claim the difference in cost (more than $75 but less than $500) if you find the same product advertised for a lower price within 60 days at a store within 25km, and you bought the product in person not online.

Rates and Fees

  • Interest rate on purchases: 99% p.a.
  • Interest free days: Up to 55 days if balance paid in full every month
  • Cash advance rate: 74% p.a.
  • Cash advance fee: Greater of 3.5% or $3.50
  • Balance transfer rate: 0% for first 6 months (afterwards reverts to 21.74% a.)
  • Balance transfer fee: No balance transfer fee
  • Annual fee: $199 for first year, afterwards $395/year, plus an additional $49/year for Citi Qantas Rewards membership
  • Additional cardholder annual fee: $0/year for up to 4 additional cardholders (must be 16 years or older)
  • Minimum monthly repayment: Greater of 2% of balance or $30
  • Payment handling fee: $2.50 to pay at Australia Post over the counter
  • International fees: 40% conversion fee on all purchases and cash advances overseas; $5 cash advance fee for overseas ATMs plus 3.40% conversion fee
  • Paper statement fee: $7/statement
  • Late fee for overdue minimum payment: $10
  • Over-the-limit fee: $40
  • Dishonour fee: $15

Compare Frequent Flyer Credit Cards

Citi Rewards Signature Credit Card

Citi Rewards Signature Credit Card

Features

  • Card type: VISA
  • Minimum credit limit: $15,000
  • Maximum credit limit: $100,000
  • Minimum income requirement: $75,000/year
  • Rewards program:
    • Citi Reward Points: Earn 1.5 points for every dollar spent on purchases in Australia (up to $20,000/month); earn 1.5 points for every dollar spent on international purchases (uncapped). Points are redeemable for gift cards, merchandise, cashback, and more.
    • Concierge: 24/7 personal concierge available worldwide. Citi Travel Centre is also available to assist with booking flights, hotels, rental cars, and holiday packages.
    • Lounge access: Complimentary Priority Pass membership, plus 2 airport lounge visits per year.
    • Airport: 15% discount on Visa SpeedPass Meet and Assist service to get you through immigration faster.
    • Dining: Free wine every time you dine with the Citibank Dining Program.
    • Exclusive offers: Citi World Privileges, including discounts on dining, theme parks, magazines, shopping, wine, travel, movie tickets, and pre-sale access to event tickets.
  • Insurance (complimentary):
    • International Travel Insurance when you purchase your flights with the card.
    • Interstate Flight Inconvenience Insurance when you purchase your flights with the card.
    • Transit Accident Insurance when you pay for your transport with the card, up to $500,000.
    • Purchase Cover for items lost, stolen, or accidentally damaged within 90 days of purchase.
    • Extended Warranty Insurance doubles the manufacturer’s Australian warranty on new items, for up to an additional 12 months.
    • Guaranteed Pricing Scheme to claim the difference in cost (more than $75 but less than $500) if you find the same product advertised for a lower price within 60 days at a store within 25km, and you bought the product in person not online.

Rates and Fees

  • Interest rate on purchases: 99% p.a.
  • Interest free days: Up to 55 days if balance paid in full every month
  • Cash advance rate: 74% p.a.
  • Cash advance fee: Greater of 3.5% or $3.50
  • Balance transfer rate: 0% for first 6 months (afterwards reverts to 21.74% a.)
  • Balance transfer fee: No balance transfer fee
  • Annual fee: $199 in first year; afterwards, $395/year
  • Additional cardholder annual fee: $0/year for up to 4 additional cardholders (must be 16 years or older)
  • Minimum monthly repayment: Greater of 2% of balance or $30
  • Payment handling fee: $2.50 to pay at Australia Post over the counter
  • International fees: 40% conversion fee on all purchases and cash advances overseas; $5 cash advance fee for overseas ATMs plus 3.40% conversion fee
  • Paper statement fee: $7/statement
  • Late fee for overdue minimum payment: $10
  • Over-the-limit fee: $40
  • Dishonour fee: $15

Citi Rewards Platinum Credit Card

Citi Platinum Credit Card

Features

  • Card type: VISA
  • Minimum credit limit: $6,000
  • Maximum credit limit: $100,000
  • Minimum income requirement: $35,000/year
  • Rewards program:
    • Citi Reward Points: Earn 1.25 points for every dollar spent on purchases in Australia (up to $10,000/month); earn 1.25 points for every dollar spent on international purchases (uncapped). Points are redeemable for gift cards, merchandise, cashback, and more.
    • Concierge: 24/7 personal concierge available worldwide. Citi Travel Centre is also available to assist with booking flights, hotels, rental cars, and holiday packages.
    • Dining: Free wine every time you dine with the Citibank Dining Program.
    • Exclusive offers: Citi World Privileges, VISA Frontline Access, and VISA Travel and Entertainment Deals, including discounts on travel, dining, theme parks, magazines, shopping, wine, travel, movie tickets, and pre-sale access to event tickets.
  • Insurance (complimentary):
    • International Travel Insurance when you purchase your flights with the card.
    • Transit Accident Insurance when you pay for your transport with the card, up to $500,000.
    • Purchase Cover for items lost, stolen, or accidentally damaged within 90 days of purchase.
    • Extended Warranty Insurance doubles the manufacturer’s Australian warranty on new items, for up to an additional 12 months.
    • Guaranteed Pricing Scheme to claim the difference in cost (more than $75 but less than $500) if you find the same product advertised for a lower price within 60 days at a store within 25km, and you bought the product in person not online.

Rates and Fees

  • Interest rate on purchases: 99% p.a.
  • Interest free days: Up to 55 days if balance paid in full every month
  • Cash advance rate: 74% p.a.
  • Cash advance fee: Greater of 3.5% or $3.50
  • Balance transfer rate: 0% for first 24 months (afterwards reverts to 21.74% a.)
  • Balance transfer fee: 5% of balance transfer amount
  • Annual fee: Depends on sign-up offer chosen: $99 in first year for cashback offer, or $199 in first year for balance transfer offer; afterwards, $249/year
  • Additional cardholder annual fee: $90/year per card for up to 4 additional cardholders (must be 16 years or older)
  • Minimum monthly repayment: Greater of 2% of balance or $30
  • Payment handling fee: $2.50 to pay at Australia Post over the counter
  • International fees: 40% conversion fee on all purchases and cash advances overseas; $5 cash advance fee for overseas ATMs plus 3.40% conversion fee
  • Paper statement fee: $7/statement
  • Late fee for overdue minimum payment: $10
  • Over-the-limit fee: $40
  • Dishonour fee: $15

Compare Rewards Credit Cards

Citi Classic Credit Card

Citi Classic Credit Card

Features

  • Card type: VISA
  • Minimum credit limit: $2,000
  • Maximum credit limit: $100,000
  • Minimum income requirement: $25,000/year
  • Rewards program:
    • Citi Reward Points: Earn 1 point for every dollar spent on purchases in Australia (up to $5,000/month); earn 1 point for every dollar spent on international purchases (uncapped). Points are redeemable for gift cards, merchandise, cashback, and more.
    • Dining: Free wine every time you dine with the Citibank Dining Program.
    • Exclusive offers: Citi World Privileges offers.
  • Insurance (complimentary):
    • Purchase Cover for items lost, stolen, or accidentally damaged within 90 days of purchase.
    • Guaranteed Pricing Scheme to claim the difference in cost (more than $75 but less than $500) if you find the same product advertised for a lower price within 60 days at a store within 25km, and you bought the product in person not online.

Rates and Fees

  • Interest rate on purchases: 99% p.a.
  • Interest free days: Up to 55 days if balance paid in full every month
  • Cash advance rate: 74% p.a.
  • Cash advance fee: Greater of 3.5% or $3.50 for branch withdrawal, or 3.4% fee for ATM withdrawal
  • Balance transfer rate: 0% for first 12 months (afterwards reverts to 21.74% a.)
  • Balance transfer fee: No balance transfer fee
  • Annual fee: $99/year
  • Additional cardholder annual fee: $15/year for up to 4 additional cardholders (must be 16 years or older)
  • Minimum monthly repayment: Greater of 2% of balance or $30
  • Payment handling fee: $2.50 to pay at Australia Post over the counter
  • International fees: 40% conversion fee on all purchases and cash advances overseas; $5 cash advance fee for overseas ATMs plus 3.40% conversion fee
  • Paper statement fee: $7/statement
  • Late fee for overdue minimum payment: $10
  • Over-the-limit fee: $40
  • Dishonour fee: $15

Compare Balance Transfer Credit Cards

Citi Simplicity Credit Card (Low Fee Card)

Citi Simplicity Credit Card

Features

  • Card type: VISA
  • Minimum credit limit: $2,000
  • Maximum credit limit: $100,000
  • Minimum income requirement: $35,000/year
  • Rewards program:
    • Concierge: 24/7 personal concierge available worldwide.
    • Dining: Free wine every time you dine with the Citibank Dining Program.
    • Exclusive offers: Citi World Privileges and VISA Platinum Privileges, including discounts on entertainment and pre-sale access to event tickets.
  • Insurance (complimentary):
    • Transit Accident Insurance when you pay for your transport with the card, up to $500,000.
    • Purchase Cover for items lost, stolen, or accidentally damaged within 90 days of purchase.
    • Extended Warranty Insurance doubles the manufacturer’s Australian warranty on new items, for up to an additional 12 months.
    • Guaranteed Pricing Scheme to claim the difference in cost (more than $75 but less than $500) if you find the same product advertised for a lower price within 60 days at a store within 25km, and you bought the product in person not online.

Rates and Fees

  • Interest rate on purchases: 99% p.a. for up to 24 months, afterwards reverts to variable retail purchase rate of 19.99% p.a.
  • Interest free days: Up to 55 days if balance paid in full every month
  • Cash advance rate: 99% p.a.
  • Cash advance fee: Greater of 3.5% or $3.50
  • Balance transfer rate: 0% for first 12 months (afterwards reverts to 19.99% a.)
  • Balance transfer fee: 3% of balance transfer amount
  • Annual fee: $0/year (No annual fees)
  • Additional cardholder annual fee: $0/year for up to 4 additional cardholders (must be 16 years or older)
  • Minimum monthly repayment: Greater of 2% of balance or $30
  • Payment handling fee: $2.50 to pay at Australia Post over the counter
  • International fees: 40% conversion fee on all purchases and cash advances overseas; $5 cash advance fee for overseas ATMs plus 3.40% conversion fee
  • Paper statement fee: $7/statement
  • Late fee for overdue minimum payment: No late fees
  • Over-the-limit fee: $40
  • Dishonour fee: $15

Compare Low Fee Credit Cards

Citi Clear Platinum Credit Card (Low Rate Card)

Citi Clear Platinum Credit Card

Features

  • Card type: VISA
  • Minimum credit limit: $6,000
  • Maximum credit limit: $100,000
  • Minimum income requirement: $35,000/year
  • Rewards program:
    • Concierge: 24/7 personal concierge available worldwide.
    • Dining: Free wine every time you dine with the Citibank Dining Program.
    • Exclusive offers: Citi World Privileges and VISA Platinum Privileges, including discounts on entertainment and pre-sale access to event tickets.
  • Insurance (complimentary):
    • Transit Accident Insurance when you pay for your transport with the card, up to $500,000.
    • Purchase Cover for items lost, stolen, or accidentally damaged within 90 days of purchase.
    • Extended Warranty Insurance doubles the manufacturer’s Australian warranty on new items, for up to an additional 12 months.
    • Guaranteed Pricing Scheme to claim the difference in cost (more than $75 but less than $500) if you find the same product advertised for a lower price within 60 days at a store within 25km, and you bought the product in person not online.

Rates and Fees

  • Interest rate on purchases: 0% for up to 9 months, afterwards reverts to ongoing retail purchase rate of 14.99% p.a.
  • Interest free days: Up to 55 days if balance paid in full every month
  • Cash advance rate: 74% p.a.
  • Cash advance fee: Greater of 3.5% or $3.50
  • Balance transfer rate: 0% for first 9 months (afterwards reverts to 21.74% a.)
  • Balance transfer fee: No balance transfer fee
  • Annual fee: $99/year
  • Additional cardholder annual fee: $0/year for up to 4 additional cardholders (must be 16 years or older)
  • Minimum monthly repayment: Greater of 2% of balance or $30
  • Payment handling fee: $2.50 to pay at Australia Post over the counter
  • International fees: 40% conversion fee on all purchases and cash advances overseas; $5 cash advance fee for overseas ATMs plus 3.40% conversion fee
  • Paper statement fee: $7/statement
  • Late fee for overdue minimum payment: No late fees
  • Over-the-limit fee: $40
  • Dishonour fee: $15

Compare Low Rate Credit Cards

Eligibility to apply for a Citi Credit Card

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

  • At least 18 years old.
  • Permanent Australian resident, or recent permanent Australian resident within 12 months.
  • Earning the specified minimum income requirement (e.g. Signature card requires $75,000/year income).
  • Good credit rating.
  • If you are self-employed, you will need your accountant’s details.

CANSTAR provides an information service. It is not a credit provider, and in giving you information about credit products CANSTAR is not making any suggestion or recommendation to you about a particular credit product.

If you decide to apply for a credit card you will deal directly with the financial institution, and not with CANSTAR. Rates and product information should be confirmed with the relevant financial institution. For more information, read our detailed disclosure, important notes, and additional information.

About Citi Australia

Citi Australia was formed in 1977 as the Citicorp Australia Holdings in 1977. It then commenced consumer operations in Australia in 1985 as Citibank, the first foreign bank to be granted a banking licence.

Today Citi serves over 1 million customers in Australia, making it the largest international bank in Australia. Citi Australia is part of Citigroup, one of the world’s largest providers of financial services. Citigroup celebrated its 200th anniversary as a bank in 2012.

Source: Citi Australia

Being a large multi-national corporation, Citi has a considerable corporate and social responsibility. They support the Australian community by focussing on supporting youth in education and finding employment. The Australian Citi Foundation Grant partners at the time of writing include Creating Futures for Youth by the Brotherhood of St. Laurence, Sister School by Global Sisters, the Skilling Australia Foundation, and Community Schoolyard by Social Ventures Australia.

Citi also established the Global Community Day in 2006 to provides tens of thousands of Citi employees and their families to volunteer for worthy causes. Citigroup also contributes to the global community via the.

As for protecting the environment, Citigroup’s efforts towards sustainability include investing $71.2 billion in 2015 for social and environmental solutions, which is a big step towards their 10-year, $100 billion goal. This goal includes investing in renewable energy, the popular Citi Bikes sponsorship, water conservation, clean tech, and more.

Citi Bikes

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Written by: TJ Ryan