Citi Credit Cards

Updated 11 April 2019

Globally recognised, and with a presence in more than 100 countries, Citi is one of the world's leading financial services providers. Citi offers a range of credit cards, including cards with a low on-going purchase rate, rewards cards, and a frequent flyer card with Emirates airline.

Citibank is a division of Citigroup, one of the world's largest financial services organisations. Combining the strength of its worldwide consumer banking network with local expertise gained on the ground in Australia, Citi provides a huge range of financial products and services including deposit accounts, mortgages and insurance, as well as credit cards and charge cards. While its range of cards certainly packs a punch in terms of features, it does offer more basic options for cardholders who want to keep it simple.

Founded in 1812, Citibank started out life as the City Bank of New York, to later become First National City Bank of New York. While the organisation now has a presence in nearly 100 countries, it wasn’t until 1985 that Citibank commenced consumer operations here in Australia, when it became the first foreign bank to be granted a banking licence. Today, Citi counts more than one million Australians and one thousand local corporate and institutional clients as customers.

If you’re looking to join those one million customers, take a look at the range of Citi cards on the page below. Cardholders looking to earn rewards on their card spending have plenty to choose from, with options to earn on a variety of rewards programs. These cards are often packed with features, making them a fantastic option for cardholders who want their card to pack a punch. Of course, there are more basic options on offer too, with some offering low rates and low fees, and some great intro offers as well.

Citi Rewards Platinum Credit Card – 0% Purchase Offer

Citi Rewards Platinum Credit Card – 0% Purchase Offer

1 review

Apply by 30 Apr 19

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$0 saved over 13 months
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$ saved over 13 months
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Citi Simplicity Credit Card

Citi Simplicity Credit Card

4 reviews
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$0 saved over 6 months
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$ saved over 6 months
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Citi Clear Platinum Credit Card

Citi Clear Platinum Credit Card

114 reviews

Apply by 30 Jun 19

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$0 saved over 14 months
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$ saved over 14 months
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Citi Rewards Platinum Credit Card

Citi Rewards Platinum Credit Card

22 reviews

Apply by 30 Apr 19

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$0 saved over 26 months
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$ saved over 26 months
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Citi Rewards Classic Credit Card

Citi Rewards Classic Credit Card

25 reviews
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$0 saved over 15 months
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$ saved over 15 months
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1 review
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points earned over 12 months
1 point
16.77% Complete (success)
Citi Rewards
200,000
points
16.77% Complete (success)
Citi Rewards
$49
first year
16.77% Complete (success)
then $149 p.a.
Your points
$120,000 saved over 12 months
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2 reviews

Apply by 30 Jun 19

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points earned over 12 months
0.5 points
16.77% Complete (success)
Qantas Frequent Flyer
50,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$248
first year
16.77% Complete (success)
then $444 p.a.
Your points
$120,000 saved over 12 months
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4 reviews

Apply by 31 Dec 19

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points earned over 12 months
1 point
16.77% Complete (success)
Emirates Skywards
60,000
points
16.77% Complete (success)
Emirates Skywards
$149
first year
16.77% Complete (success)
then $299 p.a.
Your points
$120,000 saved over 12 months
Calculate your savings icon

5 reviews
More info
points earned over 12 months
1.5 points
16.77% Complete (success)
Citi Rewards
300,000
points
16.77% Complete (success)
Citi Rewards
$199
first year
16.77% Complete (success)
then $395 p.a.
Your points
$120,000 saved over 12 months
Calculate your savings icon

6 reviews
More info
points earned over 12 months
1 point
16.77% Complete (success)
Citi Rewards
400,000
points
16.77% Complete (success)
Citi Rewards
$700
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

Citi Group - Leading Global Card Issuer

Citi Australia is part of one of the largest global banking networks 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

The bank 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 also offers mobile banking, online banking and a range of transactional and savings accounts. These include deposit accounts, foreign deposit accounts and mortgages, insurance and charge cards to consumers.

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.

The bank also has a markets & banking 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.

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.
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.
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.
The general advice is to allow up to 10 business days.
The Citi mobile app lets you: View your balance, view rewards points available, pay bills, view foreign exchange rates, access Citi Dining and World Privileges and locate an ATM branch.
No, this is not possible. You can pay BPay billers using the BPay function so long as that biller accepts credit card payments.
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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30 questions (showing the latest 10 Q&As)

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
hijust 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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