• With your Citi Select Credit Card you will earn two points per dollar spent, plus enjoy the benefit of unlimited points that never expire.
• Use your points to travel on your own terms with access to an expanded range of travel reward, airline and hotel partners now available in the Citi Rewards program. Or if you prefer to have your points transferred automatically to your Qantas Frequent Flyer account each month, enroll in Citi Qantas Rewards (additional $49 p.a.). The choice is yours.
• Priority Pass membership gives you and your guest access to over 600 airport VIP lounges worldwide, regardless of your choice of airline or class of ticket or membership in an airline lounge program.
• Receive a distinct financial advantage, enjoy preferential rates on Citibank home loans and term deposits, plus access to a Citigold Financial advisor.
• You'll have access to the finest luxury lifestyle experiences created and customised for Citi Select Cardholders through the Visa Signature Bespoke Event Program.
• Read the terms and conditions

• The very best privileges, rewards and protections from any credit card.
• High interest rates and high annual fee (as you would expect).

How does the Citi Select Credit Card compare for rates and fees against an average credit card? Based on the data from our website this credit card comparison scorecard shows:

		Purchase Rate	Cash Adv Rate	Annual Fee	Bal. Transfer Rate	Bal. Transfer Rate Period
	Citi Select Credit Card	20.74%	21.24%	$700	6.9%	9 months
	The Average Credit Card	17.15%	21.03%	$96	2.86%	7 months

If you want to be the proud owner of the Citi Select card, the first credit card in Australia to launch with Visa’s exclusive signature programme, you will need to be earning over $120,000. The Citi Select credit card, as you may have guessed, is designed for high rollers and big spenders who want a card that rewards them for their spending. With access to an exclusive tier of services and benefits the Citi Select is a must-have. It offers unparalleled access to market leading rewards, exclusive invitations to one-off events, all of which comes with luxury VIP service. If you want a credit card that matches your high salary then look no further than the award winning Citi Select card.

Pros

When you sign up to the Citi Select credit card you are automatically enrolled onto the company’s reward scheme ($1 = 2 Citi Rewards points). Points can be redeemed for anything from travel to the latest gadgets. If you fly regularly then you’re in luck, because not only can you switch points for free flights but you also get complimentary access to over 600 VIP airport lounges worldwide without having to spend a cent! And if that isn’t enough, thanks to Visa’s Signature programme, the Citi Select card gives you discounts to personal departure and arrival concierge services to make your trip even more relaxing.

The Citi Select card also offers account holders first choice on some of the most sought-after tickets in Australia – never miss a gig or concert again! And if that isn’t enough, cardholders also get VIP access to the best restaurants and sporting events in the world.

Opening up a Select account with Citi will also give you access to the company’s premium banking and investment service whereby you will receive free financial health checks and preferential pricing on certain investment products.

With all these exclusive benefits you would expect the Citi Select account to cost an arm and a leg. Surprisingly this isn’t the case, at $700 p.a. the Select credit card isn’t bad value for money if you use all it offers.

Cons

If you have an existing balance and would like to move it over to the Select card, the 6.9% p.a. rate isn’t the most competitive. However, assuming you have a high income and want to max out the rewards, you probably have very little, if any balance.

Conclusion

With a $100,000 maximum credit limit and access to events money can’t buy, the Citi Select account is designed for high rollers looking for a credit card to match their lifestyle. If fine dining, VIP shopping and a personal concierge sound like your thing, then check out the Citi Select credit card now.