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100,000 Flybuys bonus points when you spend $3,000 in the first 90 days
Citi Rewards – Flybuys offer
Citi Rewards – Flybuys offer

Citi Credit Cards

Citi Rewards – Flybuys offer

Updated 1 September 2021

Collect 100,000 Flybuys bonus points when you spend $3,000 on eligible purchases within 90 days from card approval and redeem them for $500 worth of Flybuys dollars at participating retail partners. Enjoy 0% p.a. on balance transfers for 15 months, 1% BT fee applies. Plus, save with a discounted annual fee of $49 for the first year and a range of complimentary insurances.

T&Cs apply. Offer ends 28 April 2022

Points Earn Rate (per $1 spent)

1 point

Capped at $10000 (domestic spend)

Rewards Program

Citibank Rewards Program

Bonus Points

100,000 pts

Flybuys bonus points when you spend $3,000 in the first 90 days

Pros and cons

  • Collect 100,000 Flybuys bonus points when you apply for a Citi Rewards Credit Card when you apply by 28 April 2022 and spend $3,000 within 90 days from approval
  • Reduced annual fee first year of $49. $149 p.a. thereafter
  • 0% balance transfer offer for 15 months (1% BT fee applies). 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
  • 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

  • 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

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 - Flybuys offer

Apply for the Citi Rewards Credit Card today, and you could take advantage of 100,000 bonus Flybuys points as you pay a reduced annual fee of $49 for the first year. You’ll also save on interest with 0% p.a. on balance transfers for the first 15 months (a one-time 1% 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 $3,000 within 90 days of card approval applies.

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 $500 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.

Now to the annual fee offer. You will pay a $49 annual fee for the first year, saving you $100. While this may not sound quite as exciting as bonus points, a reduced annual fee can be a great find on a rewards card such as this, as it allows you to get more value from the rewards you earn in the first year, while also letting you ‘test drive’ the card’s features at a lower cost.

If you are looking to cut down your interest costs, this card also gives 0% interest on balance transfers for 15 months.

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 $3,000 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 one-time 1% balance transfer fee applies and a significant cash advance rate (currently 22.24% p.a.) kicks in after the 15-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)
  • 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

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 and Apple.
  • Travel: Access the Citi Travel Portal to use your points to book flights, hotels, car hire, activities or even create your own itinerary.
  • 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.

  • Compatibility with Apple Pay and Samsung Pay
  • 24/7 support offering round-the-clock customer service, fraud protection and emergency card replacement
  • Complimentary insurance covers including International Travel Insurance, Transit Accident Insurance, Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme
  • Free bottle of wine when dining at partner restaurants within the Citibank Dining Program
  • Perks through Mastercard Priceless Cities and Citi World Privileges
  • Personal concierge service available 24/7
  • Access to Citi PayAll payments and Citi instalment plans

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) and a reduced annual fee of $49 for the first year.

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 15 months

Balance transfer revert rate 22.24% p.a.

Balance transfer from personal loan Yes

Balance transfer fee 1% one off

Balance transfer limit 80% of approved credit limit

Banks you can't balance transfer from Citi

Credit limits

Minimum credit limit $6,000

Maximum credit limit $100,000

Fees & repayments

Annual fee $149 p.a.

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

Foreign transaction fee 3.4%

Minimum repayment 2% or $30 whichever is greater

Annual fee the first year $49

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 Citibank Rewards Program Citibank Rewards Program

Bonus points 100,000 points

Annual points cap 120,000

Bonus points spend criteria Flybuys bonus points when you spend $3,000 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 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 – Flybuys offer

Key features

  • Collect 100,000 Flybuys bonus points when you apply for a Citi Rewards Credit Card when you apply by 28 April 2022 and spend $3,000 within 90 days from approval
  • Reduced annual fee first year of $49. $149 p.a. thereafter
  • 0% balance transfer offer for 15 months (1% BT fee applies). 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
  • 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
  • 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.

Recently Asked Questions

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

4 questions (showing the latest 10 Q&As)

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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