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Citi Rewards – e-voucher offer
Citi Rewards – e-voucher offer

Citi Credit Cards

Citi Rewards – e-voucher offer

Updated 9 September 2020

Receive a $500 e-voucher to spend at Myer, JB Hi-Fi, Bunnings or Coles when you spend $3,000 in your first 90 days. Use it on someone you love – especially if that someone is you. Discounted annual fee of $99 in the first year ($199 p.a. thereafter).

T&Cs apply. Offer ends 30 November 2020

Points Earn Rate (per $1 spent)

1 point

Capped at $10000 (domestic spend)

Rewards Program

Citibank Rewards Program

Bonus Points

N/A

Pros and cons

  • $500 e-voucher to spend at Myer, JB-Hi-Fi or Coles when you spend $3,000 in the first 90 days from approval.
  • Reduced annual fee of $99 in the first year. $199 p.a. thereafter
  • Earn 1 point per $1 spend on eligible Domestic Spend (up to $10,000 per statement period)
  • Complimentary insurance covers
  • The Citibank Dining Program offers customers a free bottle of wine every time they dine at partner restaurants. T&Cs apply.
  • 0% balance transfers for 12 months. Reverts to Cash Advance rate. Please note, no interest free days apply to retail purchases while you have a balance transfer
  • Balance transfer personal loan as well as credit cards and/or store cards

  • High purchase rate of 21.49% p.a.
  • Additional card holder fee of $90
  • Points cap on eligible Domestic Spend – up to $10,000 per statement period

Creditcard.com.au review

Editor Review

Citi Rewards – e-voucher offer

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The Citi Rewards Credit Card Review (e-Voucher)

Searching for an amazing introductory offer on an amazingly rewarding rewards card? Look no further than the Citi Rewards Credit Card. After a $3,000 minimum spend within 90 days of card approval, you will get your hands on a $500 e-Voucher that you can spend at Myer, JB Hi-Fi or Coles. On top of that, you will pay a reduced annual fee of $99 for the first year, so you can enjoy even more value from the rewards and extras on offer.

What we love...

What would you do with an extra $500? With the Citi Rewards Credit Card, you could soon find out. Opting in on this offer, you could get a $500 e-Voucher, which you can use on whatever takes your fancy at Myer, JB Hi-Fi or Coles. All you need to do is spend $3,000 on eligible purchases within the first 90 days from card approval, and you will receive your e-Voucher to start spending.

Want to use it to cover the family food shop? Done. Want to go on a spending spree to buy new clothes for summer? You got it. Want to treat that special someone to something special? Go on then. Whether it’s a new tablet from JB Hi-Fi, a new set of saucepans from Myer, or a few weeks off your food shop at Coles, that $500 could go a long way.

Meanwhile, the other part of this offer helps you save on the card’s annual fee. Normally, this card has an annual fee of $149, but with this intro offer, that’s reduced to $99 for the first year. This kind of offer can be a great find on a rewards card, as it allows you to get more back from your rewards earn, while making good use out of all those lovely extras.

What’s not so great...

The main thing to take into consideration here are the costs you will have to cover to keep this card in your wallet. Think about the standard ongoing annual fee – and the sizeable additional cardholder fee if that applies to you – and work out whether the card offers good value in terms of the rewards you earn, and the extras you make use of.

Other costs in play include the card’s purchase rate and cash advance rate, which, like most rewards cards, are significant. With that being said, you really don’t want to be carrying a balance on a rewards card anyway, as it will reduce the value of the rewards you earn. To avoid worrying about the card’s interest rate, make sure you clear your balance each month.

Why should you choose this card?

Looking beyond the introductory offer, why should you apply for the Citi Rewards Credit Card? One of the great things about this option as a rewards card is its flexibility. You earn Citi rewards Points on everyday spending, to then enjoy the wide range of rewards on offer, with the option to convert your points to flybuys and a variety of highly regarded frequent flyer programs.

  • Earn 1 Citi rewards Point per $1 on all eligible transactions made overseas or online with a merchant that is based overseas
  • Earn 1 Citi rewards Point per $1 on all eligible transactions in Australia (up to $10,000 per statement period)
  • Earn 1 Citi rewards Point per $1 on all eligible transactions using Citi PayAll
  • Earn 2 Citi rewards Points per $1 on all eligible transactions made using the Linked Diners Club Card

More on redemption options?

  • Pay with Points: When you Pay with Points you can cover almost anything by using your Citi rewards Points to pay down eligible purchases.
  • Shop with Points: You can use your points to pay at the checkout at Kogan and Apple.
  • Travel: When you’re ready to travel, you can use your Citi rewards Points to book flights, hotels, car hire and activities, or create your own itinerary 24/7 via the Citi Travel Portal.
  • Transfer: If you so choose, you can transfer your Citi rewards Points to other partner programs, including Emirates Skywards, Singapore Airlines KrisFlyer, flybuys and more.

And now to those features and extras.

  • Connect: With your Citi Rewards Credit Card, you can sync your device using Apple Pay or Samsung Pay to enjoy the convenience of a faster checkout in person and online.
  • Service & Support: Backed by Citi’s excellent customer support, the card provides round-the-clock customer service and fraud protection, with emergency card replacement and 24/7 customer service if your card is lost or stolen.
  • Complimentary Insurance: Enjoy peace of mind with complimentary International Travel Insurance, Transit Accident Insurance, Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme on all eligible purchases.
  • Citibank Dining Program: Enjoy a free bottle of wine every time you dine and pay with your Citi card at one of the program’s partner restaurants.
  • Citi PayAll: Set up single or regular Citi PayAll payments to cover anything from your rent and taxes, to education fees, childcare and bills, managing it all using the Citi Mobile App.
  • Mastercard Priceless Cities: Access unforgettable experiences around the world with Priceless Cities.
  • Citi World Privileges: Benefit from exclusive access to special offers, such as upgraded car rentals and hotel rooms, to online shopping discounts.
  • Personal Concierge: Your personal assistant is on hand 24/7 to help with anything from restaurant reservations to travel bookings.

Overall Rating

As you would expect from a Citi offering, the Citi Rewards Credit Card provides access to a wide range of perks, while allowing you to earn points on the supremely flexible Citi Rewards Program. Apply today to take advantage of this excellent offer, giving you a $500 e-Voucher, plus a reduced annual fee of $99 for the first year.

User reviews

Citi Rewards – e-voucher offer ( based on 1 Creditcard.com.au user review )

83% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 21.49% p.a.

Cash advance rate 22.24% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 12 months

Balance transfer revert rate 22.24% p.a.

Balance transfer from personal loan Yes

Balance transfer fee No fee

Balance transfer limit 80% of approved credit limit

Banks you can't balance transfer from Citi

Credit limits

Minimum credit limt $6,000

Maximum credit limit $100,000

Fees & repayments

Annual fee $199 p.a.

Additional card holder fee Up to 4 - $90 p.a.

Foreign transaction fee 3.4%

Minimum repayment Whichever is greater: $30; or 2% of Card Balance; or The sum of 1.00% of the Card Balance, Late Payment Fee (if any) and interest charged for that month, plus any Monthly Instalment for that month

Annual fee the first year $99

Cash advance fee 3.5%

Late payment fee $30

Rewards and points

Rewards program

Rewards Program Citibank Rewards Program Citibank Rewards Program

Bonus points N/A

Annual points cap 120,000

Bonus points spend criteria N/A

Earning points with this card

Citi Rewards points 1 point per $1 spent

Points cap per month Capped at $10000 (domestic spend)

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes

Flight Inconvenience Insurance No

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No

Extras

Citibank Dining Program offers customers a free bottle of wine every time they dine at partner restaurants. T&Cs apply.

Eligible with Apple Pay and Samsung Pay

Overview

Citi Rewards – e-voucher offer

Key features

  • $500 e-voucher to spend at Myer, JB-Hi-Fi or Coles when you spend $3,000 in the first 90 days from approval.
  • Reduced annual fee of $99 in the first year. $199 p.a. thereafter
  • Complimentary International Travel Insurance, Transit Accident Insurance, Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme
  • The Citibank Dining Program offers customers a free bottle of wine every time they dine at partner restaurants. T&Cs apply.
  • 0% balance transfers for 12 months. Reverts to Cash Advance rate. Please note, no interest free days apply to retail purchases while you have a balance transfer
  • 1 point per $1 spend on eligible International Spend (uncapped)
  • 1 point per $1 spend on eligible Domestic Spend (up to $10,000 per statement period)

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian resident

  • Minimum income of $35,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

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