Citi
Citi

Citi Premier Credit Card (130,000 bonus points when you spend $4,000 in the first 90 days from account approval)

Purchase Rate
21.49% p.a.
Cash Advance Rate
22.24% p.a.
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Interest Free
Up to 55 days
Annual Fee
$300.00
Balance Transfer Rate
0% p.a. for first 6 months
  • Get up to 130,000 bonus points when you spend $4,000 in the first 90 days from account approval.
  • Annual fee of $150 in the first year and each subsequent year if you spend $48,000 on eligible purchases or cash advances in the previous year. Otherwise $300.
  • Offer is valid until 28 April 2022.
  • Earn up to 2 Reward Points per $1 spent on Eligible Transactions – uncapped.
  • 0% p.a. for 6 months (reverts to cash advance rate).
  • Complimentary Priority Pass Membership and two airport lounge visits per year. 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
  • With Priceless Cities, explore unforgettable experiences in more than 40 cities across the world. To learn more, visit priceless.com.
  • A range of complimentary insurances such as International Travel Insurance and Interstate Flight Inconvenience Insurance.

Key Features
Rewards Program
Rewards
Joining Fee
$0.00
Annual Fee
$300.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Rewards Program
  • Earn 2 Points per $1 for all eligible International Spend
  • Earn 2 Points 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)
  • Earn 1.5 points per $1 for selected domestic purchases made at major: petrol outlets, supermarkets and national retailers.
  • 1 Points per $1 spent everywhere else on domestic Eligible Transactions.

Fee & Repayments

Annual Fee $300.00
Annual Fee First Year $150.00
Rewards Joining Fee $0.00
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2% or $30.00
Interest Charged From PurchaseDate
Late Payment Fee $30.00

Rewards Program

Rewards Points per Dollar 2
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* -
Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card*
SPEND FOR SYD/MEL RETURN* -
Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines Virgin Australia - Velocity Frequent Flyer
International Airlines Virgin Australia Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Emirates
Conditions

Other Charges

Duplicate Statement Fee -
Overseas ATM Balance Fee $0.00
Transaction Verification Fee -
Overseas ATM Withdrawal Fee $5.00
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee -
Terms & Conditions
Fees and charges apply. Credit Criteria apply. New cards customers only and cannot be used in conjunction with any other offers. Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $75,000 per year and your credit rating. Terms and conditions apply and are available upon request. To be eligible to receive 130,000 bonus Citi reward Points, you must apply for the Citi Premier Card by 28 April 2022, then spend a minimum of $4,000 on eligible purchases using your new card within 90 days from approval. Eligible purchases exclude Cash Advances, Balance Transfers, Special Promotions, interest, fees, refunds, Chargebacks and spend on a Linked Diners Club Card. The bonus Citi reward Points will be credited to your Rewards Balance within 6 - 8 weeks of meeting the spend criteria. Your Citi Premier Card must remain open, in good standing and enrolled in Citibank Rewards for the bonus Citi reward Points to be awarded. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. Please note that if you have a balance transfer you will not be entitled to any interest free days on retail purchases. This means that all spend will be charged interest at the applicable annual percentage rate. This offer is valid until 28 April 2022. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. Citi Premier Credit Card earns 2 Points per $1 for Eligible Transactions made online, 1 Point per $1 spent everywhere else on eligible Domestic Spend and 2 Points per $1 spent on eligible International Spend. The Points earn is capped at 200,000 points over a 12 month period. The annual cap will reset on your next statement cycle date following the anniversary of your enrolment to your Rewards program. The cap includes points earned on Domestic and International spend. The Citi Premier Card earns 1 Point per $1 on Citi PayAll payments. Citi PayAll Payments are for Domestic Spend only, International Spend is excluded. Domestic Spend and International Spend means any Eligible Transaction made with a merchant who respectively tells us they are located within Australia or outside Australia. Points do not expire while the card remains open and in good standing. Transactions made indirectly with the online merchants (e.g. through a third party provider such as BPAY and PayPal), mobile wallet, recurring payments or with a Linked Diners Club Card are not eligible for the higher earn rate. Please note, a transaction qualifies as an Eligible Transaction made online if it is made via the internet or a mobile application, which is reflected as an online transaction by system indicators and processed by the respective merchants/ acquirers as an online transaction through Visa/Mastercard networks. If a transaction with an online merchant is not classified as an online transaction by the card scheme, it will not be treated as an online transaction for calculating Points. The annual cap will reset on your next statement cycle date following the anniversary of your enrolment to your Rewards program. Please click here for the full definition of Eligible Transactions. The cap includes Points earned on Domestic and International spend. Pay with Points is available on eligible purchases. An eligible purchase means an Eligible Transaction (excluding Citi PayAll Payments) that you use Pay with Points on within 60 days of the Transaction Date. Eligible Transaction is defined in the Terms and Conditions of the Citibank Rewards Program 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 full definition. eGift cards are only redeemable using Points via www.citirewards.com. The number of Points required to redeem eGift cards may vary at the time of redemption. eGift cards are non-reloadable or redeemable for cash. This information is accurate as of 6 April 2021. Subject to your acceptance you will be billed an annual fee of $150 for the first year and every year afterwards if you spend a minimum of $48,000 on eligible Retail Purchases and Cash Advances in each 12-month period, starting from the date your Account was approved. Excludes Balance Transfers, Special Promotions, interest, fees, refunds, Chargebacks and spend on a Linked Diners Club Card. If you do not meet the minimum spend in the previous year you will be charged an annual fee of $300. Annual fees are subject to change. If you subsequently opt for Citibank Qantas Rewards an annual fee of $350 will apply to your account instead. Please note that if you have a balance transfer you will not be entitled to any interest free days on retail purchases. This means that all spend will be charged interest at the applicable annual percentage rate. This offer is valid until 28 April 2022. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer within 90 days from card approval for a period of 6 months, commencing once the balance transfer has been processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.24% p.a. This offer excludes balances transferred from Citibank unsecured credit products. Please note you will not entitled to any interest free days to retail purchases whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. For important information to consider before taking up a balance transfer, please click here. This offer is valid until 28 April 2022. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. Citi Instalment Plans are defined in the Credit Card T&Cs as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing. Your Fixed Payment Option uses part of your existing credit limit. As you pay off your Fixed Payment Option, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. For the full terms and conditions of your Fixed Payment Option, please refer to the Credit Card Terms and Conditions and Other Important Information. The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any fixed payment option balance which isn’t due for payment by that payment due date). No interest free period is available on Cash Advances or Balance Transfers. Whilst you have a Balance Transfer you will be charged interest on your daily unpaid balance. Citi PayAll offers are subject to eligibility and only available if your account is and remains in good standing. Set up Citi PayAll payment instructions using mobile banking or in any other way we tell you that you can make a Citi PayAll payment. This is an amount you authorise us to pay once or on a regular basis from your account to another bank account held with an Australian financial institution (other than through BPAY® ). This must be not less than 7 days from the date the Citi PayAll payment is set up, and if there is more than one payment to be made, the number and frequency of the payments and period over which they are to be made, you must ensure these details are correct. All Citi PayAll payments and Citi PayAll Fees we charge to your account will be added to the retail purchase balance and the Retail APR will apply to them. Citi PayAll payments are charged at the retail purchase rate applicable to your account and are only available on Citi PayAll payments outlined in the Credit Card Terms and Conditions and Other Important Information. For all Citi PayAll payments set up between 1 April 2021 to 31 October 2021 (the Period), the Citi PayAll fee will be reduced to 0%. Any recurring Citi PayAll payments set up during the Period will not incur the Citi PayAll fee for the duration in which those payments are scheduled to occur. Any Citi PayAll payments set up after the Period ends will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment. Any recurring Citi PayAll payments set up prior and after the Period will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment. This fee will apply to all recurring payments made for the duration in which those payments are scheduled to occur. Please note, there are limits on the Citi PayAll payments you can make in a period. Details of these limits can be found at citibank.com.au/payall-limits. These limits may change from time to time. For the full terms and conditions of Citi PayAll, please refer to the Credit Card Terms and Conditions and Other Important Information. There are limits on the Citi PayAll payments you can make in a period per month. Details of these limits can be found at citibank.com.au/payall-limits. 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 3. 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 full definition. To use your reward Points toward eligible purchases at Kogan.com, you must have a Kogan.com account, be the primary cardholder of a card enrolled in the Citibank Rewards Program ("eligible card"), enrol your eligible reward card with Kogan.com and agree to the Shop with Card Reward Points terms and conditions. You may only enrol one eligible reward card at any time. Customers who are enrolled in the Citi Qantas Rewards Program or Emirates Skywards Miles Program, will not be eligible for Shop with Points at Kogan.com. The Shop with Card Reward Points terms and conditions are to be read in conjunction with the Terms and Conditions of the Citibank Rewards Program. You can only redeem a Reward using Points Plus Pay if that Reward is eligible for Points Plus Pay redemption, you have accumulated the required amount of Points and you use your Card to purchase the Points Plus Pay redemption. You must be a member of the Airline, Hotel and Other Loyalty Program in which you wish to claim Airline, Hotel and Other Loyalty Points and have advised us of your airline and hotel loyalty program membership number prior to any such redemption. Membership of an airline and hotel loyalty program will be subject to the terms and conditions of that program. Airline, Hotel and Other Loyalty Points may take up to 28 business days to appear in your Airline, Hotel and Other Loyalty Program membership account. 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). Apple Pay works with iPhone 6 and later in stores, in selected apps, and on participating websites in Safari; with Apple Watch in stores and selected apps (requires iPhone 6 or later); with iPad Pro, iPad (5th generation), iPad Air 2, and iPad mini 3 and later in selected apps and on participating websites in Safari; and with Mac (2012 or later) on participating websites in Safari with an Apple Pay–enabled iPhone or Apple Watch. For a list of compatible Apple Pay devices, see support.apple.com/en-au/km207105. You can use Apple Pay in stores/merchants wherever NFC contactless payment is accepted. For certain merchant terminals, a transaction limit may apply. You can also make in-app purchases and websites in Safari where Apple Pay is available as a payment option. Terms and conditions apply to the use of Apple Pay. Apple, the Apple logo, Apple Pay, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Complimentary insurance covers are subject to eligibility requirements : AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 of Level 16, 310 Ann Street, Brisbane, QLD 4000 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street, Sydney NSW 2000 has issued an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) of 2-26 Park Street, Sydney NSW 2000 which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Insurance Terms and Conditions which may be amended from time to time. Citi does not guarantee this insurance. One complimentary digital Priority Pass™ Standard Membership, with two complimentary lounge visits, for the primary cardholder is a Special Feature of the Citi Premier Card. Citi Premier Cardholders must enrol for the Priority Pass Standard Membership at www.prioritypass.com/premieraumc and follow the prompts. You will need to download the Priority Pass™ App via the Apple App Store or get it on the Google Play Store to access your Digital Membership Card. The first two visits within each 12 month membership period from registration (membership year) are complimentary to the primary cardholder only, after which any additional visits by you and visits by your guests will be charged directly to you by Priority Pass at their ordinary standard rates. Unused visits cannot be carried forward to the following membership year. The total number of complimentary visits will be reset to two at the beginning of each membership year while you remain a Citi Premier Cardholder. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass is available at select airports. For the full list of up to date airport lounges and Priority Pass™ Conditions of Use please refer to www.prioritypass.com. Excludes any payment made directly to a restaurant. Offer is limited to $10 cashback once a month from 1 April to 30 September 2021 and only spend on the primary cardholder's Citi branded credit card will count toward the offer. Payment must be made directly at Deliveroo, either at deliveroo.com.au or in-app via the Deliveroo app. Offer valid at Australian website only. Excludes transactions made through a third-party establishment or payment processor. Cashback will be credited to your Account within 60 days from the qualifying spend provided your Account is open and in good standing. Cashback will not be credited to your Account if the qualifying spend is refunded. Cashback will reduce the outstanding balance of your Account but will not count towards your next monthly repayment obligation. Please note that if you have a Balance Transfer you will be charged interest on any spend that you make. Offer is limited to $5 cashback once a month from 1 April to 30 September 2021 and only spend on the primary cardholder's Citi branded credit card will count toward the offer. Subscriptions must be made via www.spotify.com.au/premium . Offer valid at Australian website only. For first time Spotify Premium users, cashback will not apply to Spotify’s first month free offer on new subscriptions. Excludes transactions made through a third-party establishment or payment processor. Cashback will be credited to your Account within 60 days from the qualifying spend provided your Account is open and in good standing. Cashback will not be credited to your Account if the qualifying spend is refunded. Cashback will reduce the outstanding balance of your Account but will not count towards your next monthly repayment obligation. Please note that if you have a Balance Transfer you will be charged interest on any spend that you make. Citibank Dining Program: Conditions apply. Visit citibank.com.au/dine to learn more about the Citibank Dining Program, including an up-to-date list of participating restaurants, and to view the full terms and conditions. Concierge Services is a complimentary service available to the Primary Cardholder of a Citi Premier Card. Refer to the Terms and Conditions of the Citibank Rewards Program. Concierge Services provided by Aspire Lifestyles (Australia) Pty Ltd. Payment must be made using a Citi Credit Card. Privileges cannot be used in conjunction with any other promotional programs or offers. Citi and the business establishment reserve the right to change the terms and conditions at any time. Refer to www.citiworldprivileges.com/au/ for up-to-date offer details. © 2021 Citigroup Pty Limited. All rights reserved. ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world. Diners Club Pty Limited ABN 35 004 343 051.

* 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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