Compare Citi credit cards for their low promotional rates and fantastic rewards to find the best option for you.

Citi credit cards

Citi Rewards 100,000 Bonus Citi Reward Points Offer

Citi Rewards 100,000 Bonus Citi Reward Points Offer

Balance transfer


Purchase rate

21.49% p.a. ongoing

Annual fee

$99.00 for 1st year


  • Receive 100,000 bonus Citi reward Points after spending $5,000 on eligible purchases within the initial 3 months days from approval. Terms and Conditions apply.
  • The initial year presents a discounted annual fee of $99 ($199 p.a. thereafter).
  • Comes with complimentary mobile phone Insurance.*

*Citi Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions


  • Earn 100,000 bonus points when you meet the criteria.
  • Discounted annual fee.
  • You can shop and use your points to receive a credit back.
  • 10% off Limited Time LUX Exclusive hotel offers (up to $250 per booking) booked by 1 March 2025.


  • No ongoing introductory balance transfer or purchase offer.
Citi Clear Credit Card

Citi Clear Credit Card

Balance transfer

24 months at 0% p.a.

Purchase rate

14.99% p.a. ongoing

Annual fee

$49.00 for 1st year


  • Benefit from 0% p.a. for 24 months on Balance Transfers (with a 1.5% Balance Transfer fee). The rate reverts to the cash advance rate.
  • Get a discounted first-year annual fee of $49 ($99 p.a. thereafter)
  • Enjoy a low ongoing variable purchase rate of 14.99% p.a.
  • Access to complimentary insurances including Extended Warranty Insurance and Purchase Protection Insurance.*

*Complimentary insurance covers are subject to eligibility requirements: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.


  • Low ongoing variable purchase rate of 14.99% p.a.
  • Add up to 4 additional cardholders at $0 fee.
  • Up to 55 days interest-free on retail purchases.
  • Enjoy 10% off (up to $250) Limited Time LUX Exclusive hotel offers until 1 March 2025.


  • There is no rewards program on this card.
  • After the initial year, the annual fee reverts to $99 p.a.
  • Interest will be charged on retail purchases while you have a balance transfer.
Citi Rewards Card Balance Transfer and Purchase Offer

Citi Rewards Card Balance Transfer and Purchase Offer

Balance transfer

15 months at 0% p.a.

Purchase rate

15 months at 0% p.a.

Annual fee

$199.00 p.a. ongoing


  • 0% p.a. for 15 months on purchases and balance transfers. Balance transfer reverts to cash advance rate.
  • Complimentary mobile phone insurance when you pay your monthly mobile plan bill with your Citi Rewards Credit Card .
  • Earn up to 1 Citi reward point for every $1 spent.


  • 0% p.a. on balance transfers and purchases for the first 15 months.
  • No balance transfer fee.
  • Earn up to 1 Citi reward point for every $1 spent.
  • 10% off Limited Time LUX Exclusive hotel offers (up to $250 per booking) booked by 1 March 2025.


  • Balance transfer changes to a 22.24% p.a. cash advance rate after 15 months.
  • Fee for an additional card is $90.

Citi has been operating in Australia since the 1980s but as of 1st June 2022, its consumer banking segment was acquired by NAB. Consequently, all credit card services previously offered by Citi are now issued under NAB credit cards, and any existing agreements with Citi have transitioned to NAB.

Types of Citi credit cards

Citibank offers a variety of credit cards tailored to different spending habits and preferences. Understanding the types of Citi credit cards available can help you choose the one that best aligns with your financial objectives. From cashback cards to rewards cards, Citi has options for various categories of spenders.

  • Cashback credit cards: Citi's cashback credit cards offer the convenience of earning cash rebates on your everyday expenses. These cards typically provide a percentage of your spending as cash rewards, allowing you to save money while making regular purchases.
  • Rewards credit cards: Citi's rewards credit cards are ideal for individuals who enjoy earning points or miles for their spending. These cards often come with loyalty programs that allow you to redeem points for travel, gift cards, merchandise, and more.
  • Frequently flyer credit cards: Citi offers travel credit cards with features such as travel insurance, airport lounge access, and bonus miles for airfare purchases. These cards are designed to enhance your travel experience and provide value when you're on the go.
  • Low rate credit cards: If you tend to carry a balance on your credit card, a low rate card from Citi can help you save on finance charges. These cards offer competitive interest rates, making them suitable for individuals looking to minimize interest costs.

Benefits of Citi credit cards

Citi credit cards come with a range of benefits that can add value to your overall cardholder experience. Understanding the advantages of holding a Citi credit card can help you make an informed decision when choosing a card that aligns with your lifestyle and financial goals.

  • Rewards programs: Citi's rewards programs allow cardholders to earn points, miles, or cashback on their everyday spending. These rewards can be redeemed for a variety of items, including travel, merchandise, gift cards, and statement credits.
  • Introductory offers: Many Citi credit cards offer introductory offers, such as bonus points or cashback for new cardholders. These offers can significantly boost your rewards balance or savings in the early months of card ownership.
  • Travel benefits: Citi travel credit cards often include perks such as travel insurance, airport lounge access, and concierge services. These benefits can make your travel experience more convenient and enjoyable, and provide peace of mind while you're on the road.
  • Exclusive perks: Some Citi credit cards offer exclusive perks, such as presale concert tickets, access to VIP events, or special discounts at partner merchants and hotel brands. These perks can enhance your cardholder experience and provide additional value beyond rewards and benefits.

Eligibility criteria for Citi credit cards

Before applying for a Citi credit card, it's essential to understand the eligibility criteria set by the bank. Meeting these requirements can increase your chances of approval and ensure you can enjoy your chosen card's features and benefits.

  • Income requirements: Citi credit cards often have minimum income requirements that applicants must meet to be eligible for approval. The income threshold may vary depending on the card type and level of benefits offered.
  • Credit score: Your credit score plays a significant role in the approval process for a Citi credit card. A good credit score demonstrates your creditworthiness and responsible financial behaviour, increasing your likelihood of being approved for a card.
  • Residential status: Citi may require applicants to be Australian residents or have specific visa types to be eligible for certain credit cards. Verify the residential status requirements before applying for a card to ensure you meet all criteria.

Fees and charges associated with Citi credit cards

Understanding the fees and charges associated with Citi credit cards is crucial when evaluating the cost-effectiveness of holding a card. Awareness of these expenses can help you manage your finances responsibly and avoid unexpected costs.

  • Annual fees: Many Citi credit cards have an annual fee that cardholders must pay to maintain the card. The annual fee varies depending on the card type and level of benefits offered. Consider whether the benefits of the card outweigh the annual fee before applying.
  • Interest rates: Citi credit cards have interest rates that apply to outstanding balances. It's essential to understand the interest rate structure of your card, including standard purchase rates, cash advance rates, and promotional rates, to manage your card usage effectively.
  • Foreign transaction fees: If you frequently make purchases in foreign currencies or while travelling abroad, be aware of any foreign transaction fees associated with your Citi credit card. These fees can add to the cost of your purchases and impact your overall spending.
  • Late payment fees: Missing a payment or paying late on your Citi credit card can result in late payment fees. These fees can add up over time and impact your credit score. It's important to make timely payments to avoid additional charges.

Help choosing a Citi credit card

Unlock the ideal Citi credit card with our expert guidance.

  • FAQs

  • Pros & cons

How can I redeem rewards earned through my Citi credit card?

To redeem rewards on your Citi credit card, log in to your online account or the Citi mobile app, navigate to the rewards section, and choose from the available options like cash back, travel, or merchandise.

Are any special promotions or offers available for new Citi credit card applicants?

Citi offers special promotions for new credit card applicants, including bonus points, cashback rewards, or introductory APR rates. Check the Citi website or contact customer service for the latest offers.

Can you request a credit limit increase on a Citi credit card?

For a credit limit increase on your Citi credit card, you can either request it online through your account management page or call Citi's customer service directly. Approval may depend on your creditworthiness and account history.

Can I transfer a balance from another credit card to my Citi credit card?

You can transfer balances from other credit cards to your Citi credit card, often at a lower introductory APR. Check your card's terms or contact customer service for eligibility and transfer details.

How do I access and manage my Citi credit card account online?

Access and manage your Citi credit card account online by registering on the Citi website or via the Citi mobile app. Here, you can view statements, make payments, and manage account settings.

What types of insurance coverage are included with Citi travel credit cards?

Citi travel credit cards typically include insurance coverages such as travel accident insurance, trip cancellation and interruption protection, and baggage delay insurance. Coverage details vary by card, so review your card's benefits guide for specifics.


Generous rewards programs

Citi credit cards often feature generous rewards programs, allowing users to earn points or cashback on their purchases, which can be redeemed for a variety of rewards including travel, merchandise, or statement credits.

Extensive travel benefits

Many Citi credit cards offer extensive travel benefits such as complimentary travel insurance, airport lounge access, and travel credits, making them appealing options for frequent travelers.

Introductory offers

Citi frequently provides attractive introductory offers for new cardholders, such as bonus points upon sign-up, waived annual fees for the first year, or promotional interest rates on balance transfers or purchases.

Global acceptance

Citi credit cards are widely accepted globally, thanks to their affiliation with major international payment networks like Visa and Mastercard, providing users with convenience and flexibility when traveling or making purchases abroad.

Enhanced security features

Citi employs advanced security features on its credit cards, including fraud detection systems, real-time transaction monitoring, and the option for virtual card numbers for online purchases, offering peace of mind to cardholders.


High annual fees

Some Citi credit cards may come with high annual fees, particularly premium or rewards cards with extensive benefits, which may not be justified for users who do not fully utilize the card's features.

Complex rewards programs

While rewarding, Citi's rewards programs can be complex to navigate, with varying redemption options, points valuation, and restrictions, requiring users to carefully manage their rewards to maximize their value.

Foreign transaction fees

Citi credit cards typically charge foreign transaction fees for purchases made in a foreign currency, which can add up to significant costs for users who frequently travel internationally or shop from overseas merchants.

High APRs

Citi credit cards often come with relatively high annual percentage rates (APRs), especially for cash advances or purchases outside of promotional periods, potentially leading to increased costs for users who carry a balance.

Limited customer service accessibility

While Citi offers customer service support for credit card-related inquiries, accessing assistance may sometimes be challenging due to long wait times or limited availability, especially during peak hours or weekends.