Citi Rewards Card Balance Transfer and Purchase Offer

On website

Citi Rewards Card Balance Transfer and Purchase Offer

Balance transfer

12 months at 0% p.a.

Purchase rate

12 months at 0% p.a.

Annual fee

$199.00 p.a. ongoing

Highlights

  • 0% p.a. for 12 months on purchases and balance transfers. Balance transfer reverts to cash advance rate.
  • Complimentary VIP membership for one year with Wrapd.
  • Earn 1 Citi reward point for every $1 spent.

Pros and cons

Pros

  • 0% p.a. on balance transfers and purchases for the first 12 months.
  • No balance transfer fee.
  • Earn 1 Citi reward point for every $1 spent.
  • Comes with complimentary mobile phone insurance

Cons

  • Balance transfer changes to a 22.24% p.a. cash advance rate after 12 months.
  • Annual fee is $199 p.a.
  • Fee for an additional card is $90.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Mastercard
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
4
Additional Card Fee Ongoing
$90.00

Credit limits

Minimum Credit Limit
$2,000.00
Maximum Credit Limit
$100,000.00

Repayments

Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2%

Balance transfers

Balance transfer offer

Balance Transfer Rate
0%
Balance Transfer Period
12 months
Balance Transfer Fee Percentage
0%

Balance transfer conditions

Balance Transfer From Personal Loan
Yes
Balance Transfer Limit Percentage
80%
Balance Transfer Revert Rate
22.24%

Rates, fees, charges

Cash advances

Cash Advance Rate
22.24% p.a.
Cash Advance Fee
$3.50
Cash Advance Fee Percentage
3.5%
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
0%
Purchase Rate Introductory Period
12 months
Purchase Rate Ongoing
21.49% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$199.00
Dishonour Fee
$15.00
Duplicate Statement Fee
$0.00
Foreign Exchange Fee Percentage
3.4%
Late Payment Fee
$30.00

Rewards

Rewards program basics

Rewards Program
Citi Rewards
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
None

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
1
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
1

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
Yes
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
Yes
Cardholder's Price Protection Insurance
Yes
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
Yes

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
Yes
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No

User reviews

Convenience

Customer service

Rates and fees

Rewards

Trust

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