• Enjoy an ongoing earn rate of 1 point per $1 spent on all purchases.
• A free bottle of award winning wine every time you dine at participating restaurants, with Citibank's Dining Program.
• Up to 55 days interest free on purchases.
• Complimentary Purchase Cover.
• Read the terms and conditions

• Citibank reward points never expire as long as your account remains open.
• Costs extra to enrol in an airline frequent flyer program.

How does the Citibank Rewards Credit Card – Classic 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
	Citibank Rewards Credit Card – Classic	20.99%	21.74%	$89	-%	- months
	The Average Credit Card	17.15%	21.03%	$96	2.86%	7 months

Are you interested in a credit card that offers a wide variety of features, including a reward program that is known to be one of the best? If so, you do not have to look any further than the Citibank Rewards credit card – Classic. This card is the perfect choice for both pleasure and business related purchases. Read on for our full impartial of this Citibank rewards credit card.

Pros

Before we get into the finer benefits of the Citibank Rewards – Classic, consider this: the eligibility requirements are very low. Requirements include: be at least 18 years of age; have annual taxable earnings of at least $25,000; have a good credit score; and, be a permanent resident of Australia.

Earning points is as simple as using your Citibank Rewards – Classic for everyday purchases like buying petrol, ordering goods online or shopping at the local supermarket. It has a competitive earn rate where with every dollar spent, you will earn 1 point. Compared with other gold cards, this earn rate is in line. However, platinum level cards such as the platinum version of this card will have a better earn rate.

When you carry the Citibank Rewards – Classic you will be treated like royalty. This is particularly true if you dine at restaurants that participate in the Citibank Dining Program where you will receive a free bottle of award winning wine with every meal.

Cons

The $89 p.a. annual fee is one of the main drawbacks of the card, although higher than average annual fees are the norm for gold cards. This card’s annual fee is actually extremely competitive when compared with other gold level cards. Only you know if you are willing to pay this small fee for all the benefits you receive in return.

The cash advance rate is 21.74% p.a. and the standard interest rate is 20.99% p.a. and although these rates are slightly higher than what you would find with other credit cards, you may not be able to do much better in terms of ongoing standard rates. The card also lacks an introductory offer on purchases, which would be great considering you have to spend to earn points.

Conclusion

With the Citibank Rewards credit card – Classic you know that you are going to have access to a top notch reward program that allows you to cash in points for everything from cash back to travel perks and much more. When you add this to other benefits, you will begin to realise that this credit card has a lot to offer.