Citi Rewards Credit Cards

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

Receive 120,000 bonus reward Points when you spend $3,000 in 90 days from Card approval.
2 pts per $1 spent on selected purchases and receive a complimentary Priority Pass membership with two airport lounge visits per year.

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.

Largest international bank in Australia

Citi Australia (or Citibank Australia) is part of Citigroup, a US-based multinational banking and financial services group. It has been operating in Australia since 1985, and is the country’s largest international bank.

Although it has very few retail banking branches (currently six, located in Sydney, Melbourne, Brisbane and Perth) its bank accounts and credit cards can be easily managed via Citibank Online Banking or the Citi Mobile App.

Wide range of rewards credit cards

Of the nine Citi credit cards currently offered, seven are rewards cards: four cards earning Citi Rewards points, two Qantas Frequent Flyer points cards and one Emirates Skywards Miles card.

The four Citi Rewards cards, with a variety of points earning rates, complimentary benefits and annual fees, are the Citi Rewards Classic Credit Card, Citi Rewards Platinum Card, Citi Rewards Signature Credit Card and Citi Prestige Card.

Points capping

Two Citi Rewards cards, the Citi Rewards Classic Credit Card and Citi Rewards Platinum Card, have points caps, limiting the number of points that can be earned in a single month. The caps are, however, quite generous (5,000 points per month for the Classic card and 10,000 for the Platinum card) and are unlikely to be reached regularly by most cardholders.

The Citi Rewards Signature Credit Card and Citi Prestige Card have no points capping, so there is no limit to the number of points that can be earned with those cards.

Points don’t expire

Unlike some of its competitors, Citi does not impose an expiry date on its rewards points. You can continue to accrue points for a major redemption such as a long haul flight, and take as much time as you need.

Any points remaining after a card account is closed cannot be redeemed, however.

First purchase bonus points

From time to time Citi offers first purchase bonus points (sometimes known as sign-up bonus points) to new cardholders. This means that cardholders will receive a significant points boost for reaching a specified spending target within a set time period (e.g. 100,000 points for spending $3,000 within the first 90 days after card approval). Bonus points can be redeemed in just the same way as regular points, and therefore have considerable value.

Not all cards, and points, are created equal

The various Citi Rewards cards earn points at varying rates per dollar spent. Cards with a higher annual fee earn points faster.

Also, when it comes to redeeming points, Citi Rewards points earned by the Prestige, Signature and Platinum cards are more valuable than those earned by the less expensive Classic card. That is, Prestige, Signature and Platinum cardholders will require fewer points for some redemptions.

Supplementary cardholders earn points

If you request an additional card on your account, any purchases made by the supplementary cardholder will also earn points at the same rate as the primary cardholder. All points are credited to the account of the primary cardholder.

Points redemption options

There is a wide variety of redemption options for Citi Rewards points, including:

  • Converting points into frequent flyer points with Virgin Australia, Singapore Airlines and Emirates
  • Shopping with points at amazon.com
  • Gift cards to use at national retail chains
  • A range of merchandise from an online catalogue
  • Air travel, hotel accommodation, cruises and car hire
  • Movie tickets and other entertainment activities
  • Cashback, annual fee credit and charity donations

Citi Rewards cards have other complimentary benefits

Earning points is not the only benefit you can expect with a Citi Rewards card. Depending on your card level and annual fee, you may receive some of the following, for no extra charge:

  • Domestic and overseas travel insurance
  • Shopper’s insurance: extended warranty, purchase protection, price protection
  • Free nights at luxury hotels
  • Airport lounge access plus other travel benefits
  • Free bottle of wine at selected restaurants
  • Luxury hotel privileged guest membership
  • Free golf green fees
  • Visa Front Line Access
  • Citi World Privileges
  • Introductory interest rates on balance transfers and purchases

Browse the range of Citi Rewards cards listed on this page to find the one most suitable for you.

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Points earned
Citi Rewards Signature Credit Card Points Offer
Apply by 31 jul 18
Receive 120,000 bonus reward Points when you spend $3,000 in 90 days from Card approval.
2 pts per $1 spent on selected purchases and receive a complimentary Priority Pass membership with two airport lounge visits per year.
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Citi Rewards
Citi Rewards
1 pt
per $1 spent
120,000
points
after spend criteria
Citi Rewards Platinum Card Balance Transfer Offer
Apply by 31 jul 18
0% p.a. for 26 months on balance transfers.
One-off 2.5% balance transfer fee applies.
Reduced annual fee of $49 p.a. in the first year ($149 p.a. thereafter).
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Citi Rewards
Citi Rewards
-
-
Citi Rewards Platinum Card Points Offer
Apply by 31 jul 18
Receive 100,000 points when you spend $3,000 in 90 days from card approval.
0% p.a. for 15 months on balance transfers.
Reduced annual fee of $49 p.a. in the first year ($149 p.a. thereafter).
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Citi Rewards
Citi Rewards
1 pt
per $1 spent capped
100,000
points
after spend criteria
Citi Rewards Classic Credit Card
Apply by 31 dec 18
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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Citi Prestige Card
Apply by 31 jul 18
Receive 150,000 bonus reward Points when you spend $3,000 on your card within 90 days of card approval.
3 pts per $1 spent on selected purchases.
One of the most prestigious credit cards for high income earners.
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Citi Rewards
Citi Rewards
1 pt
per $1 spent
150,000
points
after spend criteria
 

Q&As about Citi Rewards Credit Cards from customers

Q: 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.

Q: 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.

Q: 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.

Q: 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).

Q: 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.

Q: 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.

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

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

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Q: 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
Q: Do supplementary cardholder purchases earn points?

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

Q: 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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