Citi Rewards Platinum Card Points Offer

Offer

Card features

balance transfer

purchase

annual fee

Apply

Apply by 31 mar 19

Citi Rewards Platinum Card Points Offer

Earn up to 200,000 points. (Conditions Apply)

Reduced annual fee of $49 p.a. in the first year ($149 p.a. thereafter).

0% p.a. for 12 months on balance transfers with no balance transfer fee.

Add to comparison

12 months
0% p.a.
then 21.74%
with a 0% fee

20.99% p.a.
ongoing

$49
1st year
then $149

How do I apply?

Pros & cons

What's good?

What's not so good?

Earn up to 200,000 points, earn 10,000 bonus points each month for 20 months from approval when you spend $1,000 or more in each statement period

Reduced annual fee of $49 p.a. in the first year ($149 p.a. thereafter).

Get 10,000 bonus Points when you request a Linked Diners Club Card during the application process, and then make your first spend on the Linked Diners Club Card within the first 90 days from approval.

Earn 1 pt per $1 spent on eligible Domestic Spend in Australia, up to $10,000 per statement period.

Earn 1 pt per $1 spent on eligible International Spend overseas (uncapped).

Transfer your Citi Rewards points to airline frequent flyer programs including Emirates Skyward Miles, Velocity Frequent Flyer and Singapore Airlines KrisFlyer.

Complimentary International Travel Insurance, Purchase Cover Insurance and more.

Enjoy a free bottle of award winning wine every time you dine at hundreds of participating restaurants with the Citibank Dining Program.

Citi Rewards points transfer over to airline frequent flyer programs at a less than a one-for-one ratio.

Points are capped at 10,000 per statement period for the card’s Citi Rewards Program.

The 12 months balance transfer period is a long time to get it paid down to zero but any balance left unpaid will be charged interest at the 21.74% p.a. cash advance rate.

Separate Diners Club Terms and Conditions apply to a Linked Diners Club Card as it is a separate credit facility from Diners Club that is paid through your Citi Credit Card. Eligibility criteria apply including that you must be approved for an account that is eligible for a Linked Diners Club Card. Diners Club has appointed Citi to administer the Linked Diners Club Card. Any credit balance on the Linked Diners Club Card is not a deposit liability of Citi, or any other affiliate of Citi is not a protected account and is not guaranteed.
All rewards on your Linked Diners Club Card are subject to the Terms and Conditions of the Citibank Rewards Program and the Linked Diners Club Card Extra Terms Part 2. Eligible Transaction is defined in the Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) cash advances, balance transfers, special promotions, BPAY payments, government related transactions and all other transactions set out within the definition. Points do not expire while the card remains open and in good standing.
No International Transaction Fee is only applicable for transactions made on your Linked Diners Club Card; including on the amounts transferred to your Citi Credit Card. If you make an international transaction using your Citi Credit Card, an International Transaction Fee will be charged (where applicable).

Disclaimer (2): Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

The basics

About this card

Card setup

Single

Card tier

Platinum

Card type

Visa

Card use

Personal

Credit rating

Good

Gambling transactions allowed

Joint application

Minimum age

18 years old

Minimum income

$35,000

Minimum income for pensioners

Same as standard

Pensioners

Eligible (more details)

Rewards program

Citi Rewards

Temporary residents

Yes

Cardholders

Additional cardholders

Additional card fee

$90 p.a.

Credit limits

Minimum credit limit

$6,000

Maximum credit limit

$100,000

Repayments

Interest charged from

Purchase date

Interest free period

Up to 55 days on purchases

Minimum repayment

Balance transfers

The offer

	Interest rate	Period	Fee	Limit	Revert rate
Balance transfers	0% p.a.	12 months	0%	80% of credit limit	21.74% p.a.

Balance transfers to this card

Balance transfer earns rewards

Balance transfer fee payment due

First statement

Balance transfer from personal loan

Yes

Balance transfer processing time

10 - 14 days

Interest free days with unpaid balance

0 days

Maximum balance transfer

80% of credit limit

Available to existing customers

Banks you can't balance transfer from

You can't balance transfer to the Citi Rewards Platinum Card Points Offer at the promotional balance transfer rate from:

Bank of Queensland
Beyond Bank
Citi
Family First Credit Union
FCCS Credit Union
IMB
MyState Financial
Qantas Money
Suncorp

Rates & fees

Promotional interest rates

	Interest rate	Period	Fee	Limit	Revert rate
Balance transfers	0% p.a.	12 months	0%	80% of credit limit	21.74% p.a.
Purchases	N/A	N/A	N/A	N/A	N/A

Ongoing interest rates

	Monthly	Annually
Cash advances	1.81%	21.74% p.a.
Purchases	1.75%	20.99% p.a.

Fees

Annual fee

$49 p.a.

Annual fee 2nd year

$149 p.a.

Cash advance fee

3.5%

Dishonour fee

$15

Duplicate statement fee

Foreign exchange fee

3.4%

Late payment fee

$10

Over limit fee

N/A

Overseas ATM balance fee

Overseas ATM withdrawal fee

Overseas emergency card replacement fee

Transaction verification fee

N/A

Rewards & points

Cool stuff you can get with your points

$100 Supermarket Gift Card

20,900 pts

2 x Gold Class Cinema Tickets

20,900 pts

Fitbit Flex wireless activity tracker

48,200 pts

American Tourister Suitcase

55,200 pts

Apple TV - 64GB (4th. Gen)

74,800 pts

Dyson V6 Absolute handstick vacuum cleaner

161,100 pts

Disclaimer: Points required accurate as of the 31st March 2018.

Earn rates

Spend type	Spend
Everyday spend	Up to $10,000 1 pt per $1 spent per statement period 0.5 pts per $1 spent
Reset	N/A
Points cap	10,000

Rewards program basics

First purchase bonus

- points

Reward points expiry

Never as long as you keep your account active

Rewards program

Citi Rewards

Spend required for bonus points

$1,000 or more each statement period

Earning points with this card

Frequent flyer points

N/A

Overseas earn rate

1 pt per $1 spent

Points cap per month

10,000

Points cap per year

120,000

Points earned on ATO payments

N/A

Reward points

1 pt per $1 spent up to $10,000 then 0.5 pts per $1 spent per statement period

Additional benefits

Airport lounge access

Complimentary flight voucher

Concierge service

Yes

Minimum criteria for this card

What you need before applying

Be over 18 years old

You are a resident or citizen of Australia

Earn a regular income of more than $35,000 per year

Have a good credit history

You have your personal details ready to complete the online application

Have not applied for multiple credit cards recently

Temporary residents are eligible

Age Pension, Disability Pension and Widower's Pension are acceptable.

Carer's Allowance and Child Support Payments are acceptable.

Joint applications are not allowed

Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.