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Citi Rewards Credit Card
Citi Rewards Credit Card

Citi Credit Cards

Citi Rewards Credit Card

Updated 16 November 2020

Longest 0% balance transfer in market @ 30 months. You can transfer up to 3 non-Citi issued personal loans (including car loans), credit cards and/or store cards. Great for consolidating debts into one monthly interest free payment. $49 annual fee the first year, $149 p.a. thereafter. Range of complimentary insurance covers.

T&Cs apply. Offer ends 31 March 2021

Purchase Rate (p.a)

21.49%

Balance Transfer (p.a)

0% for 30 months No balance transfer fee.
Reverts to 22.24% p.a.

Annual Fee (p.a)

$49 first year. Then $149 p.a.

$0 over 30 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • A long 0% balance transfer offer for 30 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 credit limit of up to $100,000
  • 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.
  • $49 annual fee the first year. $149 annual fee thereafter
  • Eligible with Apple Pay and Samsung Pay

  • 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 Credit Card

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 (Balance Transfer)

  • 0% p.a. for 30 months on balance transfers
  • No balance transfer fee applies
  • $49 annual fee for the first year
  • Earn 1 Citi reward Point per $1 on Citi Card
  • Earn 2 Citi reward Points per $1 on linked Diners Club Card
  • Suite of complimentary insurances
  • Free bottle of wine when dining at Citibank Dining Program partner restaurants. T&Cs apply.
  • Exclusive perks from Mastercard Priceless Cities and Citi World Privileges
  • Personal concierge service
  • Compatibility with Apple Pay and Samsung Pay
  • Annual Fee: $49 for the first year ($149 p.a. ongoing)
  • Additional Cardholder Fee: $90
  • Purchase Rate: 21.49% p.a.
  • Cash Advance Rate: 22.24% p.a.

This Card: The Lowdown

Offering one of the longest balance transfers in the market, the Citi Rewards Credit Card is the card to apply for if you’re looking to pay down debt. How long is the offer exactly? As a new cardholder, you can benefit from 30 months – yes, that’s two and a half years – paying zero interest on your transferred balance, giving you the time you need to pay it down completely.

Want to save even more money? This card has you covered. As part of this very appealing introductory offer, you will a reduced annual fee in the first year. This not only lets you put more aside to pay off your transferred balance, it essentially lets you ‘test drive’ the card at a reduced rate for a whole year.

That means every single reward point you earn, and every perk you use, comes at zero cost to you. So, what’s the go with the perks then? Aside from being a rewards earner, the Citi Rewards Credit Card has a nice selection of perks on the table, providing access to a full suite of insurance covers, a personal concierge service, and a heap of Citi perks. Did somebody say free wine?

Obviously, the card will work best for cardholders who want to pay down an existing credit card balance, while still having the means to pay off new spending month by month. It is a rewards card after all. But, with a bit of organisation knowhow, this card could easily be a winner, providing the opportunity to save big on interest over a seriously long intro period.

 

Digging Deeper

With the basics covered, it’s time to dig a little deeper into what’s on offer with the Citi Rewards Credit Card, so you can decide whether this card is right for you.

Balance Transfer Offer

As one of the longest 0% balance transfer offers we can remember coming across, this certainly is one special intro offer. So, why would you want such a long offer?

  • You have a significant balance you want to pay down: Whether you have one big balance or a number of smaller ones, it all adds up to one thing: you have a large lump of debt. Using this intro offer, you will have 30 long months to clear that debt, allowing you to get rid of it once and for all.
  • You want to save on interest: Carrying a balance on a credit card means paying out interest, every single month. With a 0% offer such as this, you pay no interest on your transferred balance. So, as you pay less in interest, you pay off more of what you owe.
  • You want to spring clean your finances: Want to streamline your wallet? With this offer, you can transfer the balances from your non-Citi cards, to then close them and focus your attentions on your Citi Rewards card.

Well then, what do you need to know about the offer to make it work for you? While you should always read the small print before you take advantage of any intro offer, here are some of the highlights that we deem essential reading.

  • Your total balance transfers may not exceed 80% of your approved credit limit. Be sure to take this into account when deciding which balances to transfer.
  • Balances can only be transferred from non-Citi credit cards.
  • The introductory 0% p.a. interest rate applies only to balances transferred at the point of application. Any balances transferred after that will not receive the introductory rate.
  • The 30-month introductory period begins when the balance transfer is processed.
  • No interest free days apply to purchases while you have a balance transfer.
  • If you don’t pay off your transferred balance within the introductory period, the remaining balance will revert to the card’s cash advance rate.
  • This offer is valid until 31 March 2021.
TIP: Make the most of the offer by working out how much you will need to repay each month to clear your transferred balance within 30 months, and then set up an automatic monthly payment. Be aware of any new spending, and be sure to pay it off on a regular basis to avoid interest accruing.

 

Annual Fee Offer

Complementing the card’s 0% balance transfer offer, Citi has reduced the annual fee on the Citi Rewards Credit Card to $49 in the first year. This has a few major benefits.

  • You are paying less in annual fees, so you can pay down more of your transferred balance.
  • You can try the card on for size, while paying zero annual fees for the privilege.
  • You can make the most of the extras on offer, allowing you to see whether they will work well for you.
  • Your rewards earn offers significantly more value in the first year.
  • You can decide if the card provides value long term, before the standard annual fee kicks in.

 

This Card: As a Rewards Card

Looking past the offer, let’s see how this card operates as a rewards earner.

Using the Citi Rewards Credit Card, you will earn points on Citibank’s own Citi Rewards program. As a fairly flexible option, the program provides a wide range of redemption options, while also allowing cardholders to transfer their points to partner programs such as Emirates Skywards, Singapore Airlines KrisFlyer and flybuys.

Earning Points

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

As you can see from the above earn rate, points are capped at a monthly spend of $10,000 on spending within Australia. While this may not be ideal for bigger spenders, you may still be able to enjoy value by adding to your points total with overseas spending, and purchases made using your linked Diners Club Card.

Diners Club Card

How does the linked Diners Club Card work then?

  • When you use your Diners card, you will benefit from an uncapped earn rate of 2 Citi reward Points per $1 on all eligible transactions.
  • There are no international transaction fees, reducing your outgoings when spending online or in person at overseas retailers.
  • While acceptance may not be across the board, your Diners Club Card will be accepted in more places than you may think, including Coles, Woolworths, Bunnings, and a wide range of other retailers both here in Australia and overseas (check out the Citi site for a full list).
  • As the two cards are linked, all points earned are held within one balance, which can be managed online.

Redeeming Points

Time to redeem those points? You have a number of options open to you.
Pay with Points: When you Pay with Points, you decide which eligible purchases you have made that you want to cover using your points. This essentially allows you to redeem your points against almost anything.

Shop with Points: Allowing you to use your points to shop directly with participating retailers, this is another flexible option. Currently, you can shop direct at Kogan and Apple, with the option to use Points Plus Pay at Apple if you don’t have enough points to cover your purchase.

Travel: As travel starts to open up again, you can start planning your next adventure, using the Citi Travel Portal to redeem your Citi reward Points for flights, hotels, car hire and activities, or to create your own itinerary. You can make up the remaining balance with your card if you don’t have enough points to cover the cost of your booking.

Transfer: Providing even more flexibility, you have the option to transfer your Citi reward Points to Citi’s partner programs, which include Emirates Skywards, Singapore Airlines KrisFlyer, flybuys and more.

Transferring your points to another program obviously opens your options even further, giving you the opportunity to redeem your points for any of the rewards on offer within those programs. For example, transferring your points to flybuys could give you money off your Coles shop, helping to reduce your household expenses day to day.

 

This Card: Extras on Offer

Citi credit cards are well known for their perks. So, what can you expect in terms of extras on your Citi Rewards Credit Card?

Complimentary Insurances

Providing access to a full suite of complimentary insurances, the Citi Rewards Credit Card could offer some much-needed peace of mind on your purchases. Cover includes:

  • International Travel Insurance: When you purchase your flights with your card, you and your family could benefit from International Travel Insurance when travelling overseas, with cover offered on medical expenses, loss or theft of personal items, unexpected trip cancellation and more.
  • Transit Accident Insurance: Purchase your overseas travel tickets with your card, and you and your family may be covered for up to $500,000 for injuries sustained while travelling.
  • Purchase Cover Insurance: Eligible items purchased on the card receive 90 days cover against loss, theft or accidental damage anywhere in the world.
  • Extended Warranty Insurance: Eligible purchases will receive up to a maximum of 12 months from the manufacturer's warranty, to cover the cost of repairing or replacing the item.
  • Guaranteed Pricing Scheme: Purchase an eligible item on the card, and get the best price if, within 60 days of the purchase, it’s available for a lower price from a store within 25km.
TIP: Always read the small print within the PDS before you rely on credit card insurance.

 

Citibank Dining Program

When you dine at any of the partner restaurants within the Citibank Dining Program and pay using your card, you will receive a free bottle of wine to enjoy with your meal.

Global Perks

With the Citi Rewards Credit Card, you will have access to Mastercard Priceless Cities and Citi World Privileges, where you can take advantage of exclusive offers and discounts at home in Australia, and overseas.

Personal Concierge

Ever wondered what it would be like to have a personal assistant? With access to a personal concierge service, you can have the next best thing. Available 24 hours a day, 7 days a week, your personal concierge is on hand to help with everything from booking travel to gift buying, no matter where you happen to be in the world.

Compatibility

With the Citi Rewards Credit Card, you can make the most of your mobile wallet by syncing your card to Apple Pay or Samsung Pay to enjoy a faster checkout when shopping in person and online. Want contactless? No problem. With this option, you touch nothing but your device when you pay.

Security & Support

As you would expect from a provider with a global presence as large as Citi, the Citi Rewards Credit Card comes with all the service and support you could need. This includes emergency card replacement, round-the-clock customer service and fraud protection.

This Card: The Essentials

Time to get down to it. What will it cost to keep this card in your wallet? In terms of annual fees, you will pay nothing in the first year thanks to the intro offer. From there, it’s $149 per year ongoing. Additional cardholders come at a cost of $90 per year. Is it worth it? It really depends on the value of what you get back from the card in rewards and extras. Do some sums and work it out.

As for interest, the rates on this card are far from low. However, they are pretty standard for rewards cards with extras on the side. You can avoid worrying about interest by clearing your balance each month – to take advantage of up to 55 days interest free on purchases – but be aware this feature isn’t offered while there is a balance transfer on the account.

In terms of other notable numbers, the minimum credit limit is $6,000, while the maximum credit limit is $100,000, based on applicant circumstances. You will need to have a minimum annual income of $35,000 to apply. However, as with any rewards card, bigger spenders will tend to find more value, especially when the standard annual fee comes into play.

Decision Time

If you’re looking for a long 0% balance transfer offer, you would be hard pushed to find a better one than this. With 30 months at 0% p.a., you have two and a half years to put a serious dent in your debt, as you save big on interest. Paying $49 annual fee in the first year provides even more of an incentive to apply, as it essentially allows you to try out the card’s many extras, while earning rewards on a reduced annual fee first year.

User reviews

Citi Rewards Credit Card ( based on 5 Creditcard.com.au user reviews )

81% rating based on 5 reviews

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 30 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 $149 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 $49

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 Credit Card

The card offers great earning potential with 1 points for each dollar spent on eligible Domestic Spend (up to $10,000 per statement period) and eligible International Spend (uncapped). Points can be redeemed on a wide range of items, including merchandise, travel, and entertainment. When choosing the Citi Rewards card, you will also benefit from complimentary insurances and up to 55 days interest free on purchases.

Key features

  • Balance transfer rate of 0% p.a. for 30 months. Reverts to Cash Advance rate. Please note, no interest free days apply to retail purchases while you have a balance transfer
  • Ability to transfer personal loans, credit card and store card balances
  • Maximum credit limit up to $100,000
  • Balance transfer up to 80% of your approved credit limit
  • $49 annual fee the first year. $149 annual fee 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.
  • 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.

19 questions (showing the latest 10 Q&As)

Adin

Adin

25 November 2020
I have 36000 personal loan + 2 credit cards to transfer in 30 months 0 interest rates how much i need to pay for this
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 November 2020
    Hi Adin, the minimum monthly payment is 2% of your balance. Annual fee first year is $49. Then $149 for the next 2 years. If you had a $40,000 balance transfer. Then your monthly payments would be around $800 at a minimum. Though to pay 40k off in full in 30 months with no other purchases. It would be around $1,350 a month to achieve. Though there is no guarantee they will approve you for the full balance transfer. This will depend on your ability to repay and credit history.
Jason

Jason

23 November 2020
Looking for a long term 0% interest credit card that I can use to purchase a dealer vehicle at around $16,000. I have excellent credit score, income vs expenses and intend on paying the purchase amount within the terms of the 0% can you recommend this or an alternative card? Seems like this tactic might be a US thing?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 November 2020
    Hi Jason, have a look at our 0% purchases section. Not sure how long you will need. Though the longest is 0% for 17 months with the ANZ Platinum. If you need longer you can always look at a balance transfer before the intro purchase rate expires (subject to credit approval). The Vertigo Platinum could also work with a lower revert purchase rate.
Mandy

Mandy

14 November 2020
Hi Just trying to help my friend roll debt into one she’s good with paying money but has things everywhere. So the limit is 3 cards could she roll over 4 cards totalling around 36000 so she can then cut them up? She has loans but would look at rolling those with her current lender that way she is paying only 2 things and not several. Would she be better to ring you rather than online.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 November 2020
    Hi Mandy, this balance transfer is for up to 3 cards or loans. Therefore that is the max. She could look to do a Citi balance transfer for the highest 3 cards. Then look at another balance transfer 6 months down the track for the final card. We are an online service so phone calls are not typically something that we do. Though she could speak to Citi or hit me for any further questions. She would need good credit for approval and so affordability for paying off all the current cards with the new card as well.
Kirsty

Kirsty

4 November 2020
- Do you have to pay over 30 months or can it be less and if less are there any additional charges? - If we BT $16000 do we choose how much to repay each week? looking at $250 p/w. Let me know by email please, Thanks Kirsty
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 November 2020
    Hi Kirsty, you can pay off the balance transfer at any time without any extra fees. Its no problem on payments as long as you at least meet the minimums. At that payment rate and no other purchases it would be paid off in 64-65 weeks.
Vashek

Vashek

2 November 2020
Hi I have a Go Master Card that i am wanting to pay through this 30 months interest free special
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 November 2020
    Hi Vashek, it is possible to transfer Go Mastercard debt to this offer, subject to credit approval.
Robert Curry

Robert Curry

17 October 2020
Can I get a
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 October 2020
    Hi Robert, please let me know in more detail what your question is. This card/offer is not available for pensioners. As long as you meet all the minimum requirements you can apply.
Anthony

Anthony

7 October 2020
I have a credit card balance with ANZ which I would like to do a balance transfer. I however am currently on a work visa in the UK, currently full-time employed and continue to make payments. Am I still eligible to apply for the Citi Rewards Credit and transfer my balance to it? Regards, Anthony
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 October 2020
    Hi Anthony, you would need to reside in Australian plus have Australian employment to be eligible. Hope the UK is treating you well.
Christine

Christine

6 October 2020
My husband and I want to consolidate debt. He has a GE card (10K) + NAB credit (6K). I have a NAB (10K) + car loan (10K). Can we have do 1 transfer to a Citi card or would we have to do 2 cards? Also, does the 80% of balance to transfer mean you can only transfer 80% of the balance on the existing cards/loans OR 80% of the balance transferred must not be more than 80% of the credit limit of the Citi card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 October 2020
    Hi Christine, a balance transfer needs to be between the same legal person. Therefore both you and your husband would need to get separate balance transfers for each of your personal debt. On the 80%, this means that you can transfer an amount equal or less than 80% of your new credit limit. For example, if you get approved for a $20,000 limit. Then you transfer up to $16,000. It does not relate to you being only to transfer 80% of your current debt.
hari

hari

5 October 2020
Can i Take balance transfer of 30K if my existing cc limit is 8K?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 October 2020
    Hi Hari, you need to have the debt to transfer at the time of application. If you only have 8k credit card debt. Then you would only be able to transfer that amount. You can also transfer non-Citi personal loans or store cards.
sonya peteRson

sonya peteRson

28 September 2020
how many credit cards can I pay off with 0% transfer
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 September 2020
    Hi Sonya, this offer will take up to 3 non-Citi issued credit cards for a balance transfer.
Peter

Peter

25 September 2020
Hi, I had a loan through a family member and they wished to have it paid out. I successfully applied for an 8k personal loan with an online lender to do this, and also in order to use it as an instrument to balance transfer over to a 0% for 30 months Citi card. The personal loan is obviously at a fairly high rate, and I figured once approved then it could be transferred to Citi. I earn executive level salary, and my credit score is 795. However when going through the Citi application it immediately declined. Would you have any advice?
Tyler

Tyler

1 September 2020
Hi, I am looking to apply for the Citi Rewards Credit Card to transfer the balance of my personal loan. My credit rating is about 600 maybe slightly higher and my income before tax is 80k. The only amount I have owning is 6200 on the personal loan that I would like to transfer to this card. Are you able to tell me if I would be eligible based off my credit score? I’m hesitant to apply as I know applications affect my score. Thanks! Tyler
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 September 2020
    Hi Tyler, credit score is one aspect but is not everything for approval. Key factors are affordability taking into consideration your income v expenses. With your other credit liabilities been a key to affordability also. Which agency is the 600 score with as it varies between the 3 different credit score organisations? Bottom line from the info you have provided. There is no way to clearly access your eligibility. Though you do meet the minimum requirements. Applying for credit in isolation has little impact on your credit score. Its when you apply for a range of different credit items in a short period that can give it a beating. The general rule is to apply for just 1 credit item in a 6 month period. Balance transfers make sense. Cutting your loan interest to 0% and paying it off in the intro time is going to save you $$.
Jon

Jon

31 August 2020
Hi After applying for the card how long do I have to nominate the transfers - can I do this throughout the 2 year life or does this need to be nominated on application
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 September 2020
    Hi Jon, its at the time of application that you need to provide these details. It is uncommon that you will get another change to balance transfer, post the new application process.
SS

SS

28 August 2020
Hi, I am not a current customer however looking got a balance transfer card so I can transfer to a current CC with another bank that has a high interest rate. Will this be possible?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 August 2020
    Hi SS, you can transfer up to 3 non-Citi credit cards or personal loans to this balance transfer offer. Therefore, if approved, you can transfer your current high interest credit card debt to this offer.
A.Kiani

A.Kiani

24 August 2020
Hi. I am with CBA, have a personal and a business account. Can I transfer balance to both accounts.? Regards.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 August 2020
    Hi A, a balance transfer must be between the same legal person or entity. Therefore you could only transfer your personal credit card debt, not your business. I am not aware of a business based balance transfer. Though a longer way around would be to get a personal loan to pay your business credit card. Then look to transfer that personal loan debt, subject to credit approval.
Martin

Martin

21 August 2020
Hi ! I’m thinking about doing line of credit ! Could I transfer money to my mortgage From the 26 months 0% interest credit card ? I bank with ANZ . Thanks . Martin
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 August 2020
    Hi Martin, you cannot transfer mortgage debt to any balance transfer offer. With Citi you can transfer up to 3 non-Citi, personal loans, store or credit cards. ANZ is definitely no problem but not for home loan debt.
Paul

Paul

18 August 2020
hello, I was just wondering in terms of paying off the loan from you guys is there a minimum payment required each week? also, could I pay off the loan quicker if desired
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 August 2020
    Hi Paul, there is a minimum monthly $30 or 2% of Card Balance. Though you can pay your balance off at any time with no penalty. So you can pay it off much quicker.
Paul

Paul

17 August 2020
Hi, I am thinking about getting a $7000 credit transfer through you guys. I was just wondering with the 1.5%, one of payment charged, would that be $7000* 1.5%? or 1.5% of $7000 charged? kind regards, Paul
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 August 2020
    Hi Paul, the 1.5% one off fee is added to your balance transfer amount. Therefore the $7,000 balance transfer would become a total balance transfer of $7,105 (inc the fee). You will still have the 26 months to pay off the $7,105 at 0% interest.
mae

mae

31 July 2020
how much credit limit of credit card citi reward or or citi simplicity?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 July 2020
    Citi Rewards up to $100,000 and Simplicity the same. Though no one would get the max limit straight away. Citi will assign your credit limit after accessing your application and based on affordability.

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