Citi Signature Qantas Credit Card | Review & Comparison

Citi Signature Qantas Credit Card

What do you want this card for?
Save money
Earn points
My monthly spend: 
$5,000
 
Offer
Card features
Rewards program
Earn rate
Sign up bonus
Points earned
Citi Signature Qantas Credit Card
Apply by 31 jan 20
Citi Signature Qantas Credit Card
Receive 100,000 bonus Qantas Points when you spend $5,000 within 90 days from card approval.
Redeem Points for Qantas Frequent Flyer travel, experiences and more.
0% p.a. for 15 months on balance transfers.
Add to comparison
Qantas Frequent Flyer
Qantas Frequent Flyer
0.5 pts
per $1 spent capped
100,000
points
after spend criteria
 
in 12 mths (approx.)
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Pros & cons

What's good?

What's not so good?

Receive 100,000 bonus Qantas points when you spend $5,000 within 90 days from card approval.
0% p.a. for 15 months on balance transfers. Please note, no interest free days apply to retail purchases while you have a balance transfer.
Avail the reduced annual fee of $199 p.a. for the first year. Annual fee reverts to $395 p.a. on the anniversary of your card.
Receive 50,000 bonus Qantas points upon payment of the second-year annual fee.
1 Qantas Point per $1 spent on eligible International Spend.
1 Qantas Point 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).
0.75 Qantas Points per $1 for selected domestic purchases made at major petrol outlets, supermarkets and national retailers.
1 x complimentary Priority Pass Membership and 2 x complimentary airport lounge visits per year. (Conditions Apply)
Complimentary international travel insurances including Transit Accident Insurance and Interstate Flight Inconvenience Insurance.
Personal 24 Hour Concierge Services.
0.5 Qantas Points per $1 everywhere else on domestic Eligible Transactions up to $20,000 per Statement Period.
The annual fee first and second year is sizeable.
*You’ll need to pay an extra $49 annual fee to opt into the Citi Qantas Rewards program. That’s on top of the card’s annual fee.

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, please refer to www.prioritypass.com
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
Qantas Frequent Flyer
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 limit21.74% 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 Signature Qantas Credit Card 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 21.74% p.a.
PurchasesN/AN/AN/AN/A N/A

Ongoing interest rates

MonthlyAnnually
Cash advances 1.81% 21.74% p.a.
Purchases 1.75% 20.99% p.a.

Fees

Annual fee
$248* p.a.
Annual fee 2nd year
$444* 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

Rewards program basics

First purchase bonus
100,000 points
Reward points expiry
Never as long as you keep your account active
Rewards program
Qantas Frequent Flyer
Spend required for bonus points
$5,000 within 90 days

Earning points with this card

Frequent flyer points
0.5 pts per $1 spent
Overseas earn rate
1 pt per $1 spent
Points cap per month
20,000 (domestic)
Points cap per year
240,000 (domestic)
Points earned on ATO payments
N/A
Reward points
N/A

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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