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Citi Credit Cards

Pauline Hatch     

Citi is a global leader in finance products and a familiar name in Australian homes. It offers an extensive range of credit cards including everday cards, prestige cards, rewards cards, and frequent flyer cards.

Citi rewards cards offer points with Citi Rewards, Qantas and Velocity frequent flyer programs. There are often excellent introductory offers with Citi cards that can include cashback, gift cards or bonus rewards points. Compare Citi cards using the toggles on the table below to sort by feature. Citi has a simple online application process that you can access by clicking ‘apply now’, or read our full review.
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161 reviews for 13 cards listed
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Citi Clear Credit Card

121 reviews
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Citi Rewards Card – Purchases and Balance Transfer Offer

6 reviews
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Citi Clear Card – Cashback Offer

1 review
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Citi Simplicity Credit Card

8 reviews
$0 saved over 6 months

3 reviews
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2 reviews
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1 review
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1 review
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10 reviews
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1 review
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6 reviews
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Citi Group - Leading Global Card Issuer

Citi Australia is part of one of the largest financial services companies in the world, the Citi Group, which operates in more than 100 countries. Citi Australia offers a full suite of popular balance transfer and rewards credit cards.

About Citi Credit Cards

Citi does not target any particular market, but has rewards cards linked to Emirates Airlines as well as three Citi premium options for rewards cards.

Citi offers a range of transactional and savings accounts which include deposit accounts, foreign deposit accounts and mortgages, insurance and charge cards to consumers. Alongside with these products are features that ensure secure and convenient experience for its consumers such as the Citi Online and Citi Mobile® App.

History

Citi is among the largest financial services companies in the world, and operates in more than 100 countries. Citi Australia has been operating for more than 30 years, with one million plus Australian customers and more than one thousand Australian corporate and institutional clients.

Citi Australia traditionally offers some of the best balance transfer rates on the Australian market, and has been known for developing credit card products that function like a personal loan.

Citi also has a markets & financing and wealth management arm active in Australia and does work on investment research, as well as rewards programs like Diners Club which is owned by Citi Group.

How long does it take to apply for a Citi credit card?

Citi says on its website it should take 10 minutes to fill out the form if you have your personal details to hand, however we advise customers to allow 10-15 minutes. You will receive an e-mail within 60 seconds of submitting the application to confirm it has been received and to provide you a reference number.

How do I check the status of my application?

You will receive an e-mail with a link telling you how to do this. The e-mail will have a 13-digit reference number for you to enter into the Citi website.

Can I transfer the balance of a personal loan to Citi?

Yes, you can transfer a loan balance to Citi. You should read the terms and conditions carefully before applying, and the account you are transferring from cannot be a Citi loan account.

How long does it take for Citi to process a balance transfer?

The general advice is to allow up to 10 business days.

What can I do on the Citi Mobile® App?

The Citi Mobile® App lets you view your balance, view rewards points available, pay bills, view foreign exchange rates, and locate an ATM branch.

Can I transfer funds to someone else using my Citi credit card account?

No, this is not possible. You can pay BPay billers using the BPay function so long as that biller accepts credit card payments.

Can I earn rewards points on BPay transactions using my Citi credit card?

Yes. There are around 14,000 billers you can pay using BPay with your Citi credit card and this can be a way to help earn rewards points as you pay bills.

Recently Asked Questions

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38 questions (showing the latest 10 Q&As)

Russell

Russell

11 July 2023
Best credit card for free international insurance. No need for points. Have Applied for ANZ black card but impossible service. Do all cards require travel purchase prior. ANZ has a min $250 spend prior.
    Pauline - CreditCard.com.au

    Pauline

    12 July 2023
    Hi Russell, although we can’t recommend one card over the other, the best card is ultimately a matter of personal opinion. You can however check out a range of cards that have travel insurance included. And most of the cards have a minimum travel-related spend requirement in order to be covered. For more information, you’ll have to dig into each card's insurance terms and conditions, qualifying requirements, and general exclusions.
Daniela

Daniela

9 February 2023
Currently have an emirates Citibank card with miles going directly to the Emirates skywards program. Which would be another Citibank card which is similar but gives me an option of which frequent flyer program I choose? Thankyou
    Pauline - CreditCard.com.au

    Pauline

    10 February 2023
    Hi Daniela, the Citi Rewards Card – Purchases and Balance Transfer Offer lets you easily transfer your Citi reward Points to a variety of airline and other loyalty programs including Singapore Airlines KrisFlyer and Velocity Frequent Flyer. You can also visit Citi’s website or contact them directly for more information on other credit card products with a points transfer feature that could work for you.
Rhonda

Rhonda

27 November 2021
I am interested in the Citi simplicity credit card, but as I,m on the pension my income is less than $10,000 per year. Most months I have less than $500.00 on my card, which I pay off before it’s due. Do you have a card suitable for me?
    Pauline - CreditCard.com.au

    Pauline

    29 November 2021
    Hi Rhonda, you’ve come through to CreditCard.com.au and not Citibank. In saying that from anecdotal evidence the minimum income for the lower end of credit cards is around $15,000 p.a. With what you’ve stated above it might be worthwhile to talk to your current provider to see if they have any offers for you. Sorry we couldn’t be of more assistance.
Rhonda

Rhonda

25 November 2021
How do I apply for a city bank credit card
    Pauline - CreditCard.com.au

    Pauline

    26 November 2021
    Hi Rhonda, you can apply for any Citibank credit card online. Thay have different cards with different offers that you can compare. If we have the card you’re interested in, you can click the Go To Offer button beside the card name. Please bear in mind that different cards have different eligibility requirements which you can see on every card page. Remember to check the card’s T&Cs and TMD too before proceeding with your application. Happy card hunting!
Zak

Zak

7 August 2021
Which is the best card to get to be able to consolidate personal loan and credit cards?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 August 2021
    Hi Zak, thanks for your question! While we do not recommend one card over another, each of the cards have different offers. Currently only CIti cards and cards backed by Citi like Qantas accept personal loan debt. If you'd like to compare your options we have curated a list of credit cards that offer consolidating personal loans and credit card balances. Let us know how you go!
Mark

Mark

9 June 2021
On permanent disability Centrelink can I apply
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 June 2021
    Hi Mark, thanks for your question. There are some credit cards that have a lower threshold for income requirements at $15,000 p.a. You’ll need to provide evidence of income and meet the other eligibility requirements. We’ve compiled a range of lower income credit cards you can consider here. Best of luck!
Melissa

Melissa

11 December 2020
I am looking to do a balance transfer to the Citi bank offer. I have two cards with a combinded amount of $7000 but i am not sure if i can combine the transfer for two cards. Also I am not sure if Citi underwrite these cards. They are one with St George and one with Bendigo bank
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 December 2020
    Hi Melissa, you can transfer both Bendigo and St.George credit card debt to this Citi balance transfer offer. Best of luck with your application.
Sathyajith pk

Sathyajith pk

25 July 2020
How much credit card 1 year fee
Jo

Jo

8 April 2019
I am looking for a credit card which has no annual fee for first 6-12 months , the least transaction fees or foreign exchange fee that I can use for ATM withdrawals and purchases in USA and Canada. Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 April 2019
    Hi Jo, this combination is very difficult to achieve. There is only 1 card that provides no cash advance fees overseas plus no foreign fees. It's the ANZ Rewards Travel Adventure. Though this card is currently out of market. Likely to be back next month if that can work. This is a great card as it also delivers reward points and insurance. Outside of this the classic choice would be the 28 Degrees. It has no annual or foreign fees. Though you will be charged a cash advance fee, even if in Debit. Best if you can stick to purchases to avoid the fees. For cash withdrawals, may I suggest the Orange Everyday. Its using your money but this way you can avoid any cash fees.
Michael

Michael

14 March 2019
Do you have a process to transfer points to frequent flyer programs, eg qantas , Singapore airlines
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 March 2019
    Hi Michael, you can do the transfer online through the CitiRewards.com site. It depends on what card you have to where you can transfer points. Some cards will automatically transfer points if say its linked with Qantas.
liz

liz

30 January 2019
If I already have a citi bank credit card can I change it to another type of credit card you have?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 January 2019
    Hi Liz, yes this is possible. Though you would need to go through the application process once more. You will not be able to transfer Citi credit card debt to another Citi offer. If you have current Citi debt and are looking to balance transfer. Then something like the HSBC Platinum could work.
Belinda

Belinda

20 December 2018
To my knowledge I have a good credit rating Unfortunately I had a small debt with Bancorp that I finalised 11 business days ago They assured me this would clear my record I have the finalised bill as proof, but this somehow is holding me back I'm after a low rate credit card limit of $5,000 I am on a disability pension and have the means either my budget to afford this What can I do?? Pls help
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 December 2018
    Hi Belinda, I would definitely check your credit report to see if there is an negative activity from Bancorp. If they have agreed not to place anything negative on your credit file, then you need to ensure this is the case. All credit cards require good credit to get approved. If your credit file is clean then the ANZ Low Rate might be an option for you.
Chris

Chris

18 November 2018
how long would my credit card arrive after application if approved?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 November 2018
    Hi Chris, it varies based on a range of factors. As a guide it should take 5-10 workings days to process an application. Post approval you should have your card within 5 working days but this could be faster.
Bruce

Bruce

31 August 2018
Are you aware that Citi have advised me in writing to enter a false answer in their application process?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 September 2018
    Hi Bruce, we are a credit card comparison service. We are not involved in the actual Citi credit card application process nor receive any information from this. In the end you should complete your application truthfully.
Bruce

Bruce

16 August 2018
What can you do if the answer you give to a Citibank application question, is not accepted by the program? Can you have a request on your credit report removed?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 August 2018
    Hi Bruce, I am not sure on your exact situation with Citi. When you apply for credit it is recorded on your credit file. Whether you are approve, I believe is not. Having a single application on your credit file will not have a huge impact on your ability to get credit. If you apply for multiple credit within a short period of time then its likely you will be auto declined. My suggestion is only to apply for 1 or a maximum of 2 credit items (but not often) in a 6 month period.
raymond

raymond

14 March 2018
I have never had a credit card before and was wondering how to go about getting one.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 March 2018
    Hi Raymond, you can apply online for a credit card in around 10-15 mins. You need to have a range of information ready such as income / expenses, assets / liabilities. You also will need to provide your ID and proof of the income. What type of card are you looking for? One that provides rewards and that you pay off in full each month?
michael

michael

24 January 2018
what would be the best credit card for $8000
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 January 2018
    Hi Michael, are you looking to transfer $8,000? It will depend on what bank this debt is with as a balance transfer needs to be between different banks. Also how long you need to pay off the debt then is a factor. I like the St George Vertigo Platinum exclusive due to no annual fee first year, 0% for 24 months on balance and no balance transfer fees.
Donna

Donna

18 December 2017
hi just wondering on Citibank if bpay is considered a cash advance or if you get the 55 days interest free?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 December 2017
    Hi Donna, BPAYs are typically seen as purchases. Therefore you can get up to 55 days interest free depending on when you make the bpay in your billing cycle. To get interest free days you must pay off the card in full the previous period.
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