Citi
Citi

Citi Prestige Card (0% p.a. for 6 months, reverts to cash advance rate.)

Purchase Rate
21.49% p.a.
Cash Advance Rate
22.24% p.a.
Interest Free
Up to 44 days
Annual Fee
$700.00
Balance Transfer Rate
0% p.a. for first 6 months
  • Earn up to 200,000 bonus Points when you spend $7,500 in the first 60 days from account approval.
  • 0% p.a. for 6 months (reverts to cash advance rate).
  • Offer is valid until 28 April 2022.
  • Earn from 1 Point per $1 spent on selected purchases.
  • One Luxury Airport Transfer in selected cities in Australia up to $100.
  • Complementary Priority Pass™ grants you and a guest access to over 1,200 airport lounges.
  • With Priceless Cities, explore unforgettable experiences in more than 40 cities across the world. To learn more, visit priceless.com.
  • For the full list of up to date airport lounges and Priority Pass™ Conditions of Use please refer to www.prioritypass.com
  • 4th night free when you book 4 consecutive nights at a huge range of hotels.

Key Features
Rewards Program
Rewards
Joining Fee
$0.00
Annual Fee
$700.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Rewards Program
  • Earn 3 Points per $1 spent for all eligible International Spend
  • Earn 3 Points per $1 spent for selected domestic purchases made and booked directly from a range of major: restaurants, restaurant chains, hotel chains and airlines (flights only)
  • Earn 2 Points per $1 spent for selected domestic purchases made at major: petrol outlets, major supermarkets and national retailers
  • Earn 1 Point per $1 spent everywhere else on domestic Eligible Transactions.

Fee & Repayments

Annual Fee $700.00
Annual Fee First Year $700.00
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 3
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
International Airlines Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Asia Miles and Emirates Skywards 
Conditions

Other Charges

Duplicate Statement Fee -
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $0.00
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 $150,000 per year and your credit rating. Terms and conditions apply and are available upon request. To be eligible to receive 200,000 bonus Citi reward Points, you must apply for the Citi Prestige Card by 28 April 2022, then spend a minimum of $7,500 on eligible purchases using your new card within 60 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 Prestige 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. Fourth night free benefit is capped at 4 redemptions per calendar year and is renewed each year unless specified otherwise. 4th night free is a Special Feature of the Citi Prestige Credit Card. Valid for Citi Prestige Primary Cardholders only. A minimum of 4 consecutive nights' stay is required in order to enjoy one night on a complimentary basis. There are no credits for any unused free nights if the guest checks out early. Only one complimentary night is allowed per Citi Prestige Primary Cardholder per room per booking. To qualify for the complimentary night, booking for the services must be made at least 48 hours prior to commencement of stay, and the cardholder who booked the stay must be one of the paying guests. Complimentary night must be utilised during the same stay as the purchased nights; purchased and complimentary nights must be of the same room types. Back-to-back stays are not allowed. Back-to-back stays are stays at the same city/state booked on two reservations (as an example, you book four nights at a hotel on one reservation for Monday, Tuesday, Wednesday and Thursday and book another four nights on another reservation for Friday, Saturday, Sunday and Monday. In this situation, you would only be eligible for one complimentary night for the 8-night stay). Please refer to the full Terms and Conditions for further information. This feature is known as Pay with Points. 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. Information accurate as of 1 March 2021. Luxury Transfer Service is a special feature of the Citi Prestige Credit Card. The primary cardholder is entitled to one complimentary transfer up to the value of $100 in selected cities in Australia. A return trip can be booked in the one transfer, however the return trip must be to and from the same address and be on the same day. Luxury transfer service is capped at one redemption per calendar year and is renewed each year unless specified otherwise. Luxury transfer service must be booked by the primary cardholder, or an additional cardholder on behalf of the primary cardholder. Additional charges apply to baby seats, wait time and additional kilometres. Luxury transfer imposes limits on the number of passengers per car and/or the number of pieces of luggage per passenger. Any charges above the $100 allowance are to be borne by the cardholder. Any unused amount will be forfeited. All bookings are subject to availability. Booking for the services must be made at least 48 hours prior to commencement of travel. For full terms and conditions visit www1.citibank.com.au/prestige-benefits/terms. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. The Citi Prestige Card earns 3 Points per $1 on eligible International Spend and for selected purchases made and booked directly from a range of major restaurants and restaurant chains, major hotel chains, major travel agencies, major travel aggregators and flights directly booked with major airlines. 2 Points per $1 for selected purchases made at major petrol outlets, major supermarkets and major national retailers. 1 Point per $1 spent everywhere else on Eligible Transactions. The Citi Prestige Card earns 1 Point per $1 on Citi PayAll payments unless enrolled in Qantas Points which earns 0.5 Points per $1 on Citi PayAll Payments. 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. Citi PayAll Payments are for Domestic Spend only, International Spend is excluded. Please click here for the full definition of Eligible Transactions. Please note purchases not ordered or booked directly from the restaurant (e.g. through a delivery company) are not included in the higher earn rate. Please note that whether or not a purchase is eligible to earn Points and how many (e.g. whether the merchant is a "major restaurant") will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). If, for example, a restaurant is not classified as a restaurant by the card scheme, it will not be treated as a "major restaurant" for calculating Points. Points do not expire while the card remains open and in good standing. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate will apply to balances transferred with this offer within 90 days from card approval for a period of 6 months from the date the balance transfer is processed. At the end of the balance transfer promotional 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 be entitled to any interest free days on 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. Offer ends 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 Terms and Conditions 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. 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. 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. 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. 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. 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. 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). One complimentary digital Priority Pass™ Membership, with unlimited lounge visits, for the primary cardholder is a Special Feature of the Citi Prestige Card. Citi Prestige Credit Cardholders must enrol for the Priority Pass Standard Membership at www.prioritypass.com/prestigeaumc by 31 December 2021. The primary cardholder may bring one guest for free per visit. Any additional guests will be charged directly by the lounge. 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 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 along with the Citi Prestige Credit Card Benefit Terms and Conditions for further information. 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. 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. 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. 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. © 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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