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100,000 Flybuys bonus points when you spend $5,000 in the first 90 days
Citi Rewards – Flybuys offer
Citi Rewards – Flybuys offer

Citi Credit Cards

Citi Rewards – Flybuys offer

Updated 30 January 2024

Collect 100,000 Flybuys bonus points when you apply for a new Citi Rewards Credit Card by 30 April 2024 and spend $5,000 on eligible purchases within 90 days from card approval. Enjoy 0% p.a. on balance transfers for 6 months with no balance transfer fee plus, a range of complimentary insurances.
T&Cs apply.

Points Earn Rate (per $1 spent)

1 point

Capped at $10000 (domestic spend)

Rewards Program

Citi Rewards Program

Bonus Points

100,000 pts

Flybuys bonus points when you spend $5,000 in the first 90 days

Pros and cons

  • Collect 100,000 Flybuys bonus points when you apply for a Citi Rewards Credit Card by 30 April 2024, and spend $5,000 within 90 days from approval
  • 0% balance transfer offer for 6 months (no BT fee applies). Reverts to Cash Advance rate. Please note, no interest free days apply to retail purchases while you have a balance transfer.
  • Earn 1 point per $1 spend on eligible Domestic Spend (up to $10,000 per statement period)
  • Receive monthly cashback on purchases from your favourite stores with My Cashback offers
  • Enjoy 10% off or up to $250 on Limited Time Lux Exclusive hotel offers until 1 March 2024. T&Cs apply
  • Complimentary insurance covers
  • Access to Citi PayAll payments and Citi instalment plans

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

Creditcard.com.au review

Editor Review

Citi Rewards – Flybuys offer

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. about this card.

The Citi Rewards Credit Card Review - Flybuys offer

Apply for the Citi Rewards Credit Card today, and you could take advantage of 100,000 bonus Flybuys points. You’ll also save on interest with 0% p.a. on balance transfers for the first 6 months (no balance transfer fee applies). Ongoing, you will earn rewards on the ever-flexible Citi Rewards Program, while accessing the card’s wide range of perks. Minimum spend of $5,000 within 90 days of card approval applies.

Clarification on earning points: The bonus offer is paid in Flybuys points, but the points you earn on your spending every day are Citi reward points. You can transfer Citi points to Flybuys via your Citi Mobile App or online account (or a number of other rewards or frequent flyer programs).

What we love...

Time to get into that offer.

As a new cardholder, you can get your hands on 100,000 bonus Flybuys points – all you need to do is spend $3,000 on eligible purchases within 90 days of card approval. So then, what can you spend those points on – and what are they worth? When it comes to value – as with any rewards redemption – it really depends on how you use the points.

You could opt to cash-in your 100,000 Flybuys bonus points for $375 worth of Flybuys dollars at participating retail partners. Alternatively, you could redeem your points within the Flybuys store. There are many redemption options, with varying values on offer so it’s up to you to choose how to redeem your points in order to get the best value for you.

If you are looking to cut down your interest costs, this card also gives 0% interest on balance transfers for 6 months with no balance transfer fee.

What’s not so great...

Before you apply, think about what you will pay out on the card to take advantage of its offer – and its various features. Make sure you can afford to spend $5,000 on the card within the first three months, to then pay back your spending before it attracts interest. Also, think about whether the standard annual fee offers value on your spending ongoing.

If you tend to carry a balance, you may find this card helpful in paying down your existing debt. Keep in mind that a significant cash advance rate (currently 22.24% p.a.) kicks in after the 6-month promotional period. If you’ve got a balance to transfer, paying it off should be your focus over chasing bonus points.

Why should you choose this card?

If you’re looking for a rewards card that earns points on a flexible rewards program, the Citi Rewards Credit Card may just be for you.

  • 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)

And options to redeem the points you earn?

  • Pay with Points: Use your points to cover eligible purchases. All you need to do is choose which purchases you want to cover with points, and you will receive a credit back.
  • Shop with Points: You can use your points to pay when shopping at Kogan's website.
  • Transfer: Choose to transfer your Citi reward Points to partner programs, including Emirates Skywards, Singapore Airlines KrisFlyer, Flybuys and more.

Let’s take a quick look at the various extras on offer.

  • My Cashback. My Cashback is a no-fuss, hassle-free rewards program of Citi which allows cardholders to automatically receive monthly cashback on their purchases when they use their Citi Clear Card to shop from their favorite brands. Access the program in the Citi Mobile® App and check some personalised offers.
  • Compatibility with Apple Pay, Google Pay, and Samsung Pay
  • 24/7 support offering round-the-clock customer service, and fraud protection
  • Complimentary insurance covers including International Travel Insurance, Transit Accident Insurance, Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme
  • Complimentary Mobile Phone Insurance
  • Personal concierge service available 24/7
  • Access to Citi instalment plans
  • You can take advantage of the Citi PayAll feature which lets you schedule recurring payments for your rent, education fees, childcare, taxes, bills, and more. Effective 1 November 2023, the Citi PayAll fee changed to 0.95% of the amount being paid.

Overall Rating

The Citi Rewards Credit Card is a seriously rewarding rewards card, offering access not just to the Citi Rewards Program, but to a number of excellent extras, including overseas travel insurance. On top of all that, as a new cardholder, you can benefit from 100,000 bonus Flybuys points (minimum spend applies) plus, 0% balance transfer offer for 6 months with no balance transfer fee.

User reviews

Citi Rewards – Flybuys offer ( based on 1 Creditcard.com.au user review )

76% 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 6 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

Brands you can't balance transfer from Citi

Credit limits

Minimum credit limit $2,000

Maximum credit limit $100,000

Fees & repayments

Annual fee $199 p.a.

Additional cardholder fee Up to 4 - $90 p.a.

Foreign transaction fee 3.4%

Minimum repayment 2% or $30 whichever is greater

Cash advance fee Domestic 3.5% or $3.50 (whichever is greater) ; International $5

Late payment fee $30

Rewards and points

Rewards program

Rewards Program Citi Rewards Program Citi Rewards Program

Bonus points 100,000 points

Annual points cap 120,000

Bonus points spend criteria Flybuys bonus points when you spend $5,000 in the first 90 days

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 No

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance Yes

Extras

Mobile Phone Insurance

Eligible with Apple Pay, Google Pay, and Samsung Pay

Overview

Citi Rewards – Flybuys offer

Key features

  • Collect 100,000 Flybuys bonus points when you apply for a Citi Rewards Credit Card by 30 April 2024, and spend $5,000 within 90 days from approval
  • 0% balance transfer offer for 6 months with no BT fee. 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)
  • Receive monthly cashback on purchases from your favourite stores with My Cashback offers
  • Enjoy awesome experiences around the world through Mastercard Priceless Cities
  • Enjoy 10% off or up to $250 on Limited Time Lux Exclusive hotel offers until 1 March 2024. T&Cs apply
  • Complimentary International Travel Insurance, Transit Accident Insurance, Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme

Minimum criteria to apply for this card

  • Be over 18 years old

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

  • You must be a permanent Australian resident

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

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

7 questions (showing the latest 10 Q&As)

Jane

Jane

7 February 2023
Hi I applied and got the approval letter on the 27 of Jan. I haven’t activated yet but just want to ensure will I be eligible for the flybuys points offer still
    Pauline - CreditCard.com.au

    Pauline

    8 February 2023
    Hi Jane, the terms on the card say, “To be eligible to receive 40,000 Flybuys bonus points, you must apply for the Citi Rewards Card by 31 January 2023, then spend a minimum of $3,000 on eligible purchases using your new card within 90 days from approval.” So it would seem that as long as you applied before the cut-off date, you’re still eligible. To check for sure, you can contact Citi directly on 1300 032 824. Thanks for your question!
Frances Ho

Frances Ho

12 December 2022
Citi Rewards Credit Card - any International transaction fee?
Rosangela

Rosangela

24 August 2022
i got a citi card, and trying to find out how to link with my flybys account to get the 40000 points, please, is this something u can help
    Pauline - CreditCard.com.au

    Pauline

    25 August 2022
    Hi Rosangela, yes we can! According to the Citi Rewards Flybuys card’s terms, they will actually request via email your Flybuys membership information from you in 8 weeks from meeting the spend criteria. The Flybuys points will then be added to your Flybuys account within 6 weeks from when they receive your Flybuys information.
AL

AL

3 September 2021
I had a Citi Simplicity Visa in the past but cancelled it last year. Am I eligible to apply for this card and get the 100,000 flybuy bonus?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 September 2021
    Hi AL, after digging more information, I see that you may apply for the Citi Rewards - Flybuys Offer credit card as long as you’ve not had this same card before.
Vish Shah

Vish Shah

8 August 2021
Hello, Just a quick question that with flybuys point can my wife also apply for this card as we both have same flybuys membership and I already claimed this offer. Can my wife also be eligible to get 100k flybuys or its just per household? Thanks Vish
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 August 2021
    Hi Vish, great question! We dug through all of Citi’s PDF terms and conditions but couldn’t find any information on the specifics. You can give Citi a call on 13 24 84 to find out more. If you get an answer, let us know!
Tracey

Tracey

10 June 2021
What is the criteria for New Customers. What if I held a Qantas Credit card which is part of the city group will that be considered a new or existing customer?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 June 2021
    Hi Tracey, thanks for your question. We did some digging and it looks like you’ll be recognised as a ‘new customer’ if you haven’t had any Citi branded credit card. Hope this answers your question.
Shannon owen

Shannon owen

15 May 2021
What card would be suitable for me,I am on an pension and work casually as massager
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 May 2021
    Hi Shannon, thanks for your question! A good place to start comparing is our Pensioner Credit Cards page that you can check for options. It’s important before applying to make sure you meet all the eligibility criteria.
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