Citi Rewards Signature Credit Card | Review & Apply Online

Citi Rewards Signature Credit Card Points Offer

What do you want this card for?
Save money
Earn points
Offer
Card features
balance transfer
purchase
annual fee
Apply
Citi Rewards Signature Credit Card Points Offer
Apply by 31 jan 20
Citi Rewards Signature Credit Card Points Offer
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.
Add to comparison
15 months
0% p.a.
then 22.24%
with a 1% fee
21.49% p.a.
ongoing
$199
1st year
then $395

Pros & cons

What's good?

What's not so good?

Earn up to 120,000 points points when you spend $4,000 in the first 90 days of your card from account approval date.
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.
Enjoy 0% p.a. for 15 months with 1% on balance transfers. Please note, no interest free days apply to retail purchases while you have a balance transfer.
2 pts per $1 for selected domestic purchases made and booked directly from a range of major: restaurants and restaurant chains, hotel chains and airlines (flights only).
1.5 pts per $1 for selected domestic purchases made at major: petrol outlets, supermarkets and national retailers.
2 pts per $1 spent on eligible International Spend.
Transfer your Citi Rewards points to airline frequent flyer programs including Virgin Australia Velocity and Singapore Airlines KrisFlyer.
$199 p.a. annual fee for the first year, $395 p.a. thereafter.
A range of complimentary insurances.
Free wine every time you dine with the Citibank Dining Program.
Loads of value but the $395 p.a. annual fee in the second year is a substantial cost.
Citi Rewards points transfer over to airline frequent flyer programs at a less than a one-for-one ratio.
No option to earn points into the Qantas program.
Once the balance transfer rate ends it reverts to the cash advance rate of 22.24% p.a. which could really sting if you are still carrying a big balance at the end.

Please note that within Australia, Priority Pass is currently available at Cairns, Darwin and Brisbane International Airports and Sydney Kingsford Smith. For the full list of up to date airport lounges and Priority Pass™ and Conditions of Use please refer to www.prioritypass.com.
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).
Please note, no interest free days apply to retail purchases while you have a balance transfer.

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
Signature
Card type
Visa
Card use
Personal
Credit rating
Good
Gambling transactions allowed
No
Joint application
No
Minimum age
18 years old
Minimum income
$75,000
Minimum income for pensioners
Same as standard
Pensioners
Rewards program
Citi Rewards
Temporary residents
Yes

Cardholders

Additional cardholders
4
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$15,000
Maximum credit limit
$100,000

Repayments

Interest charged from
Purchase date
Interest free period
Up to 55 days on purchases
Minimum repayment
2%

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.15 months1%80% of credit limit22.24% p.a.

Balance transfers to this card

Balance transfer earns rewards
No
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
No

Banks you can't balance transfer from

You can't balance transfer to the Citi Rewards Signature Credit 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 ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.15 months1%80% of credit limit 22.24% p.a.
PurchasesN/AN/AN/AN/A N/A

Ongoing interest rates

MonthlyAnnually
Cash advances 1.85% 22.24% p.a.
Purchases 1.79% 21.49% p.a.

Fees

Annual fee
$199 p.a.
Annual fee 2nd year
$395 p.a.
Cash advance fee
3.5%
Dishonour fee
$15
Duplicate statement fee
$0
Foreign exchange fee
3.4%
Late payment fee
$30
Over limit fee
N/A
Overseas ATM balance fee
$0
Overseas ATM withdrawal fee
$5
Overseas emergency card replacement fee
$0
Transaction verification fee
N/A

Rewards & points

Cool stuff you can get with your points

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

Rewards program basics

Reward points expiry
Never as long as you keep your account active
Rewards program
Citi Rewards
Sign up bonus
120,000 points
Spend required for bonus points
$4,000 in the first 90 days from approval date

Earning points with this card

Frequent flyer points
N/A
Overseas earn rate
2 pts per $1 spent
Points cap per month
Unlimited
Points cap per year
Unlimited
Points earned on ATO payments
N/A
Reward points
1 pt per $1 spent

Additional benefits

Airport lounge access
Yes
Complimentary flight voucher
No
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 $75,000 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.

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