Citi Rewards Credit Card (0% p.a. for 14 months on purchases and BT, plus no BT fee, BT reverts to cash advance rate)

Purchase Rate
21.49% p.a.
Cash Advance Rate
22.24% p.a.
Interest Free
Up to 55 days
Annual Fee
Balance Transfer Rate
0% p.a. for first 14 months
  • Save with 0% p.a. for 15 months on purchases and balance transfers (no balance transfer fee, balance transfer reverts to cash advance rate)
  • $49 Annual fee for the first year (reverts to $149 thereafter).
  • Offer valid until 29 June 2022.
  • A Range of complimentary insurances such as International Travel Insurance and Purchase Cover Insurance.
  • With Priceless Cities, explore unforgettable experiences in more than 40 cities across the world. To learn more, visit

Key Features
Rewards Program
Joining Fee
Annual Fee
Insurance Cover
for Purchases
Overseas ATM
Automatic Travel

Rewards Program
  • 1 Point per $1 spent on eligible Domestic Spend (up to $10,000 per statement period) and 1 Point per $1 on Eligible Transactions made overseas or online with a merchant that is based overseas.

Fee & Repayments

Annual Fee $149.00
Annual Fee First Year $49.00
Rewards Joining Fee $0.00
Supplementary Card Fee $90.00
Minimum Repayment Greater of 2% or $30.00
Interest Charged From PurchaseDate
Late Payment Fee $30.00

Rewards Program

Rewards Points per Dollar 1
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* -
Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card*
Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines

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 $0.00
Terms & Conditions
Refer to the full Terms and Conditions related to this product here. Fees and charges apply. Credit Criteria apply. New card customers only and cannot be used in conjunction with any other offers. Purchases: The promotional rate of 0% p.a. will apply to the retail purchase balance for a promotional period of 14 months, commencing from the date your account is approved. At the end of the promotional period, the variable annual percentage rate for retail purchases, currently 21.49% p.a. will apply to the retail purchase balance. Please note you will not be entitled to any interest-free days on retail purchases at the end of the promotional period whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. Balance Transfers: 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 14 months, commencing from the date the balance transfer is 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 Citi unsecured credit products. For important information to consider before taking up a balance transfer, please click here. Minimum monthly payments required. Payments will be applied to your account as per the Credit Card Terms and Conditions and Other Important Information. Please note that if you make a retail purchase before your balance transfer is processed, payments made during the promotional period will be applied to the retail purchase balance before the balance transfer. This offer is valid until 29 June 2022. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. Subject to your acceptance you will be billed an annual fee of $49 for the first year. This will revert to $149 in subsequent years. This offer applies to the primary cardholder only. For additional cardholders an annual fee also applies, currently $90 per card. Annual fees are subject to change. This offer is valid until 29 June 2022. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 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. © 2022 National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the credit provider and issuer of Citi branded financial and credit products. NAB has acquired the business relating to these products from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to provide transitional services. “Citi”, “Citibank”, “Citigroup”, the Arc design and all similar trade marks and derivations thereof are used temporarily under licence by NAB from Citigroup Inc. and related group entities.

* 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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