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.

Compare Citi Credit Cards

If you’re considering a Citi 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).

Types of Citi credit card

Citi logoThere are 8 different types of Citi credit card at the time of writing:

  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.

Android Pay and Samsung Pay are 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.

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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
  • Digital wallet: Smartphone payments via digital wallet are enabled for Samsung Pay, custom digital wallets, and Android NFC.
  • 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.
  • Rewards program: Earn Citi Rewards points for money spent using the card. Enjoy Citibank Dining Program, 24/7 concierge services, Citi World Privileges, and more.

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
  • Digital wallet: Smartphone payments via digital wallet are enabled for Samsung Pay, custom digital wallets, and Android NFC.
  • 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.
  • Rewards program: Earn Skywards Miles points for money spent using the card. Enjoy Citibank Dining Program, 24/7 concierge services, Citi World Privileges, and more.

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
  • Digital wallet: Smartphone payments via digital wallet are enabled for Samsung Pay, custom digital wallets, and Android NFC.
  • 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.
  • Rewards program: Earn Qantas Frequent Flyer Points for money spent using the card. Enjoy Citibank Dining Program, 24/7 concierge services, Citi World Privileges, and more.

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
  • Digital wallet: Smartphone payments via digital wallet are enabled for Samsung Pay, custom digital wallets, and Android NFC.
  • 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.

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
  • Digital wallet: Smartphone payments via digital wallet are enabled for Samsung Pay, custom digital wallets, and Android NFC.
  • 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.
  • Rewards program: Earn Citi Rewards points for money spent using the card. Enjoy Citibank Dining Program, 24/7 concierge services, Citi World Privileges, and more.

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
  • Digital wallet: Smartphone payments via digital wallet are enabled for Samsung Pay, custom digital wallets, and Android NFC.
  • 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.
  • Rewards program: Earn Citi Rewards points for money spent using the card. Enjoy Citibank Dining Program, 24/7 concierge services, Citi World Privileges, and more.

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
  • Digital wallet: Smartphone payments via digital wallet are enabled for Samsung Pay, custom digital wallets, and Android NFC.
  • 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.
  • Rewards program: Enjoy Citibank Dining Program, 24/7 concierge services, Citi World Privileges, and Visa Platinum Privileges.

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
  • Digital wallet: Smartphone payments via digital wallet are enabled for Samsung Pay, custom digital wallets, and Android NFC.
  • 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.
  • Rewards program: Enjoy Citibank Dining Program, 24/7 concierge services, Citi World Privileges, and Visa Platinum Privileges.

Compare Low Rate Credit Cards

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.

Citi FAQs

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.

For more information on eligibility criteria, refer to the Citibank 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 and check our list of documentation you may need when applying for a credit card.

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 Citibank Online 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. Find out more about how credit limits are determined here.

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 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.

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Citi Clear Platinum Visa & Simplicity Credit Cards

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Clear Platinum Visa & Simplicity

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Written by: TJ Ryan | Last updated: