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Compare credit cards that earn points into the Citi Rewards program.
Citi Rewards is a customer loyalty program operated by Citi Australia for holders of their credit cards. Cardholders earn points on their credit card spending, and points can be redeemed for a range of options, including merchandise, gift cards, travel and cashback.
Citi Australia is a part of US bank and financial services company Citigroup. The Australian operation began in 1985. Although it has only six retail bank branches in Australia, all Citi bank accounts and credit cards can be managed online.
No. Citi currently offers nine credit cards, only four of which are connected to the Citi Rewards program.
If you have a credit card connected to the Citi Rewards program, all your eligible purchases made with the card will earn rewards points at the rate specified for the particular card. E.g. 2 points per dollar spent.
This depends on the particular Citi Rewards card you hold. Some cards may have a blanket rate (e.g. 1 point per dollar spent) while other may have a tiered points system depending on the type of purchase (e.g. 3 points for spending at hotels and restaurants, 2 points at petrol stations and supermarkets, 1 point everywhere else).
Only 'eligible purchases’ earn points. In practice, this usually means all card spending except balance transfers, cash advances, interest charges, the annual fee and other card fees, foreign currency purchases, insurance payments and payments to the ATO.
No. Citi Rewards cards’ annual fees currently range from $99 to $700. The higher the annual fee, the faster you will earn points and the more complimentary benefits you will receive.
There is no charge other than the card’s annual fee.
Citi Rewards points have no expiry date, so you can hold them as long as you like before redeeming them. However, if you close your card account, any points left in your points account cannot be redeemed.
It depends on which card you have. The Citi Rewards Classic Card has a cap of 5,000 points per month and the Citi Rewards Platinum Card has a cap of 10,000 points per month. The Signature and Prestige cards have no points cap.
No. There are points caps on two cards (Classic and Platinum) but no points rate thresholds on any of the cards.
If there is an offer in place, first-purchase (or sign-up) bonus points are earned by new cardholders once they have reached a target spending amount within a specified time limit (e.g. 100,000 points for spending $3,000 within the first 90 days after card approval). They can be redeemed in exactly the same way as regular points.
The options include:
Yes. The points earned by supplementary cardholders are credited to the points account of the primary cardholder.
It depends on which card you have. The higher-fee cards have more complimentary benefits, but all Citi Rewards cards include at least some of: