Home / Banking / Credit Cards / Citibank Personal Credit (2.9% p.a. for 12
months BTO)

Citibank Personal Credit (2.9% p.a. for 12
months BTO)

 
 
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Details
Purchase Rate 15.59%
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Cash Advance Rate 15.59%
0 days
Interest Free
$99
Annual Fee
  • Balance Transfer Rate 2.9%for first 24 months

    • With a Citibank Personal Credit account you receive the best features from a personal loan, credit card and cheque account to use for your everyday expenses and for those bigger things in life.
    • Easy access to funds using a Visa Debit Card, online, personalised cheques, ATMs and over the phone.
    • You pay no re-draw fees, no cash advance fees, no monthly servicing fees and no ATM fees at over 3,000 ATMs across Australia.
    • Generous credit limit up to $30,000.
    • Enjoy a low ongoing interest rate of 15.59% p.a. and a low annual fee of $99.
    • Enjoy a free bottle of award winning wine every time you dine with our partner restaurants, a range of worldwide discounts, access to exclusive holiday packages and Visa Entertainment offers.
    • Receive complimentary insurances on purchases - Guaranteed Pricing Scheme, Purchase Cover Insurance and Extended Warranty Insurance.
    Visit website for more features

    Card Details

    Rewards Program N Overseas ATM Availability N
    Insurance Cover for Purchases Y Interest Paid on Credit Balance N
    Automatic Travel Insurance N    


     
     
    Rewards Points per Dollar
    Spend to Redeem $100 Gift Card*
    Spend at Loyalty Partner for $100 Gift Card*
    Linked to Frequent Flyer N
    Frequent Flyer Ratio
    SPEND FOR SYD/MEL RETURN*


    Lifetime of Points
    Rewards Program Partners
    Rewards Bonus Points Partners
    Domestic Airlines
    International Airlines
    Conditions
    Annual Fee $99 Minimum Repayment 2.75%
    Annual Fee First Year $99 Interest Charged From PurchaseDate
    Rewards Joining Fee Late Payment Fee $30
    Supplementary Card Fee    
    Duplicate Statement Fee $15 Overseas ATM Balance Fee
    Transaction Verification Fee $0 Overseas ATM Withdrawl Fee
    Over Limit Fee $40 Overseas Emergency Card Replacement Fee
     


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    * For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

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