Citi Rewards Credit Cards | Review & Compare Offers

Citi Rewards Credit Cards

Compare credit cards that earn points into the Citi Rewards program.

Earn up to 120,000 points points. (Conditions Apply)
Enjoy 0% p.a. for 15 months with 1% on balance transfers.
$199 p.a. annual fee for the first year, $395 p.a. thereafter.
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Citi Rewards Signature Credit Card Points Offer
Apply by 31 jan 20
Application
on Citi's website
People are happy
Rated 4.8 out of 5 for customer satisfaction.
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My monthly spend: 
$5,000
 
Features: 
All features
Types: 
All types
rewards program
earn rate
sign up bonus
Points earned
Citi Rewards Platinum Card Balance Transfer Offer
Apply by 28 may 20
0% p.a. on balance transfers for 26 months which could help you get on top of things. A one-off 1.5% balance transfer fee applies.
Reduced annual fee of $49 p.a. in the first year, ($149 p.a. thereafter).
Earn 1 pt per $1 spent on eligible Domestic Spend in Australia, up to $10,000 per statement period.
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Citi Rewards
Citi Rewards
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Citi Rewards Platinum Card Points Offer
Apply by 31 jan 20
Earn up to 120,000 bonus points. Get 80,000 bonus points when you spend $3,000 in the first 90 days from account approval date and an additional 40,000 bonus points on payment of second year annual fee.
Reduced annual fee of $49 p.a. in the first year ($149 p.a. thereafter).
Enjoy 0% p.a. for 15 months with 1% fee on balance transfers. Please note, no interest free days apply to retail purchases while you have a balance transfer.
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Citi Rewards
Citi Rewards
1 pt
per $1 spent
up to $10,000
then 0.5 pts
per statement period
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80,000
points
after spend criteria
Citi Rewards Platinum Credit Card
Apply by 31 dec 19
17 reviews
0% p.a. for 13 months on retail purchases.
0% p.a. on balance transfers for 13 months which could help you get on top of things. A one-off 1% balance transfer fee applies. Please note, no interest free days apply to retail purchases while you have a balance transfer.
Reduced annual fee of $49 p.a. in the first year ($149 p.a. thereafter).
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Citi Rewards
Citi Rewards
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Citi Rewards Classic Credit Card
Apply by 31 dec 19
6 reviews
0% p.a. for 15 months on balance transfers (1.5% BT fee applies).
Enjoy up to $50 cash back, 5% cash back on all retail purchases (up to $1,000 spend) in the first 90 days from account approval.
Low annual fee of $49 p.a. in the first year ($99 p.a. thereafter).
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Citi Rewards
Citi Rewards
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in 12 mths (approx.) What can I do with these?
Citi Prestige Card
Apply by 31 jan 20
Earn up to 150,000 points points. (Conditions Apply)
One of the most prestigious credit cards for high-income earners.
3 pts per $1 spent on all eligible International Spend.
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Citi Rewards
Citi Rewards
1 pt
per $1 spent
150,000
points

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Q&As about Citi Rewards Credit Cards from customers

Who are Citi Australia?

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.

Do all Citi credit cards earn Citi Rewards points?

No. Citi currently offers nine credit cards, only four of which are connected to the Citi Rewards program.

How can I earn Citi Rewards points?

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.

How many Citi Rewards points will I earn 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).

Do all card transactions earn Citi Rewards points?

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.

Do all Citi Rewards credit cards charge the same annual fee?

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.

Is there a charge for belonging to the Citi Rewards program?

There is no charge other than the card’s annual fee.

Do Citi Rewards points expire?

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.

Is there any limit to the number of Citi Rewards points I can earn?

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.

Is there a monthly threshold, beyond which the points earning rate declines?

No. There are points caps on two cards (Classic and Platinum) but no points rate thresholds on any of the cards.

What are Citi Rewards bonus points?

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.

What can Citi Rewards points be redeemed for?

The options include:

  • Conversion to points or air miles with Virgin Australia, Singapore Airlines and Emirates
  • Shopping with points at amazon.com
  • Gift cards to use at national retailers
  • Merchandise from an online catalogue
  • Flights, hotel accommodation, cruises and car rental
  • Movie tickets and other activities
  • Cashback or annual fee credit
  • Charity donations

Do supplementary cardholder purchases earn points?

Yes. The points earned by supplementary cardholders are credited to the points account of the primary cardholder.

What are the other benefits of Citi Rewards credit cards?

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:

  • International and domestic travel insurance
  • Extended warranty cover, purchase protection and price protection insurance
  • Free nights at premium hotels
  • Airport lounge membership and other travel benefits
  • Free bottle of wine when you dine at selected restaurants
  • Premium hotel privileged guest membership
  • Green fees at selected golf courses
  • Visa Front Line Access
  • Citi World Privileges
  • Introductory interest rates on balance transfers and/or purchases

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