Citi Rewards Credit Card (0%p.a. for 13 months on retail purchases and 0%p.a. for 13 months on balance transfer. One off 1% BT fee applies.)

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
Balance Transfer Rate
0% p.a. for first 13 months
Intro Purchase Rate
0% p.a. for up to 13 months
  • 0%p.a. for 13 months on purchases and balance transfers.** (Purchases reverts to retail purchase rate. One off 1% BT fee applies. BT reverts to cash advance rate)
  • Reduced annual fee of $49 for the first year (a reduced rate of $149 ongoing).
  • Offer valid until 31 March 2020.
  • A Range of complimentary insurances such as International Travel Insurance and Purchase Cover Insurance.
  • As a Citi cardholder, you’ll receive a free bottle of award-winning wine to enjoy with your meal every time you dine at a partner restaurant.

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 International Spend (uncapped)

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