Citi Prestige Card (150,000 bonus Points when you spend $5,000 in the first 90 days from account approval)

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 150,000 bonus Points when you spend $5,000 in the first 90 days from account approval.
  • 0% p.a. for 6 months on balance transfers** (no BT fee)
  • Offer is valid until 31 March 2020
  • Linked Diners Club Card: Earn 10,000 bonus Points with a Linked Diners Club Card. Simply request a Linked Diners Club Card when you apply, and spend on it within 90 days of approval, to earn an extra 10,000 bonus Points.
  • 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.
  • 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.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases 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.
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
Terms & Conditions
Things you should know To access the full Terms and Conditions related to this product, click here. 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 earn 150,000 bonus Citi rewards Points, you must apply for a Citi Prestige Credit Card by 31 March 2020, then spend $5,000 on your Citi Prestige Credit Card within 90 days of approval. Cash Advances, Balance Transfers, Refunds, Chargebacks, Special Promotions and spend on a Linked Diners Club Card do not contribute to the spend threshold. The bonus Citi rewards Points will be credited within 6 - 8 weeks of meeting the spend criteria. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. Points do not expire while the card remains open and in good standing. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. This offer is valid until 31 March 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 4th night free benefit is capped at 4 redemptions until 31 December 2020. 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. One complimentary Priority Pass™ Membership, with unlimited lounge visits, for the primary cardholder is a Special Feature of the Citi Prestige Credit Card. Citi Prestige Credit Cardholders must enrol for the Priority Pass Standard Membership at www.prioritypass.com/citiprestigeaus by 31 December 2020. The primary cardholder may bring one guest per visit. Any additional guests will be charged directly by the lounge. Once you have enrolled, please allow up to 15 working days for your Priority Pass card to arrive in the mail. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass is available at some airports. For the full list of up to date airport lounges and Priority Pass™. Conditions of Use please refer to www.prioritypass.com All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. The Citi Prestige Credit 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. 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. 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. 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. 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. Luxury Airport Transfer Service is a special feature of the Citi Prestige Credit Card. Each Citi Prestige Credit Cardholder is entitled to one complimentary one-way airport transfer service up to $100 for trips to and from the airports at selected cities in Australia. This is capped at one redemption per calendar year per card. Luxury airport transfer services will only be available for the Primary Cardholder and the Additional Cardholder on behalf of the Primary Cardholder. And Additional charges will be incurred for extra stops, cancellation/amendment fees and waiting time charges, which will all be borne by the cardholder. Luxury airport 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. This will be advised at the time of booking. All bookings are subject to availability. Booking for the services must be made at least 48 hours prior to commencement of travel. Offer valid from 1 January until 31 December 2020. Please refer to the full Terms and Conditions for further information. 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. 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 at point of application, for a period of 6 months. The 6 month promotional period commences once 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 Citibank unsecured credit products. Please note you are not entitled to any interest free days 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 31 Deceember 2020 . Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 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. © 2020 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).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

Citi Prestige Card (150,000 bonus Points when you spend $5,000 in the first 90 days from account approval)

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

Top Features

  • Earn up to 150,000 bonus Points when you spend $5,000 in the first 90 days from account approval.
  • 0% p.a. for 6 months on balance transfers** (no BT fee)
Show More Top Features

More Information

Rewards Program
Overseas ATM Availability
Insurance Cover for Purchases
Automatic Travel Insurance
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
Annual Fee $700.00
Minimum Repayment Greater of 2% or $30.00
Annual Fee First Year $700.00
Interest Charged From PurchaseDate
Rewards Joining Fee $0.00
Late Payment Fee $30.00
Supplementary Card Fee $0.00
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

Things you should know To access the full Terms and Conditions related to this product, click here. 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 earn 150,000 bonus Citi rewards Points, you must apply for a Citi Prestige Credit Card by 31 March 2020, then spend $5,000 on your Citi Prestige Credit Card within 90 days of approval. Cash Advances, Balance Transfers, Refunds, Chargebacks, Special Promotions and spend on a Linked Diners Club Card do not contribute to the spend threshold. The bonus Citi rewards Points will be credited within 6 - 8 weeks of meeting the spend criteria. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. Points do not expire while the card remains open and in good standing. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. This offer is valid until 31 March 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 4th night free benefit is capped at 4 redemptions until 31 December 2020. 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. One complimentary Priority Pass™ Membership, with unlimited lounge visits, for the primary cardholder is a Special Feature of the Citi Prestige Credit Card. Citi Prestige Credit Cardholders must enrol for the Priority Pass Standard Membership at www.prioritypass.com/citiprestigeaus by 31 December 2020. The primary cardholder may bring one guest per visit. Any additional guests will be charged directly by the lounge. Once you have enrolled, please allow up to 15 working days for your Priority Pass card to arrive in the mail. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass is available at some airports. For the full list of up to date airport lounges and Priority Pass™. Conditions of Use please refer to www.prioritypass.com All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. The Citi Prestige Credit 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. 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. 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. 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. 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. Luxury Airport Transfer Service is a special feature of the Citi Prestige Credit Card. Each Citi Prestige Credit Cardholder is entitled to one complimentary one-way airport transfer service up to $100 for trips to and from the airports at selected cities in Australia. This is capped at one redemption per calendar year per card. Luxury airport transfer services will only be available for the Primary Cardholder and the Additional Cardholder on behalf of the Primary Cardholder. And Additional charges will be incurred for extra stops, cancellation/amendment fees and waiting time charges, which will all be borne by the cardholder. Luxury airport 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. This will be advised at the time of booking. All bookings are subject to availability. Booking for the services must be made at least 48 hours prior to commencement of travel. Offer valid from 1 January until 31 December 2020. Please refer to the full Terms and Conditions for further information. 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. 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 at point of application, for a period of 6 months. The 6 month promotional period commences once 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 Citibank unsecured credit products. Please note you are not entitled to any interest free days 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 31 Deceember 2020 . Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 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. © 2020 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).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.