Citi Rewards Signature Credit Card (120,000 bonus points when you spend $4,000 in the first 90 days from account approval + 0%p.a. for 15 months on BT, 1% BT fee applies.)

Purchase Rate

21.49 %
p.a.
Cash Advance Rate
22.24% p.a.
Interest Free
Up to 55 days
Annual Fee
$395.00
Balance Transfer Rate
0% p.a.
for first 15 months
  • Get up to 120,000 bonus points when you spend $4,000 in the first 90 days from account approval.
  • Enjoy the benefits of the Citi Signature Card for just $199 in your first year, reverts to $395.
  • Offer is valid until 31 January 2020.
  • Earn up to 2 Reward Points per $1 spent on Eligible Transactions – uncapped.
  • 0% p.a. for 15 months on Balance Transfers**, with 1% BT fee applies. Reverts to cash advance rate.
  • 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.
  • 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
  • A range of complimentary insurances such as International Travel Insurance and Interstate Flight Inconvenience Insurance.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases 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.
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

Visit the issuer's website for additional information.

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. Late Payment Fee - $30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account. † 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 2. 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 definition. Please click herefor the full definition of Eligible Transactions. Points do not expire while the card remains open and in good standing. φ 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). 1. To earn 120,000 bonus Citi rewards Points, you must apply for a Citi Rewards Signature Credit Card by 31 January 2020, then spend $4,000 on your Citi Rewards Signature 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 January 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 2. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. The Citi Rewards Signature Credit Card earns 2 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. 1.5 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. 3. 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, OLD 4000 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000122 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. 4. One complimentary Priority Pass™ Standard Membership, with two complimentary lounge visits, for the primary cardholder is a Special Feature of the Citi Rewards Signature Credit Card. Citi Rewards Signature Credit Cardholders must enrol for the Priority Pass Standard Membership at www.prioritypass.com/citibankaus. Once you have enrolled, please allow up to 15 working days for your Priority Pass card to arrive in the mail. 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 Rewards Signature Credit Cardholder. The membership is subject to the Priority Pass™ Conditions of Use. 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. 5. Gift cards are only redeemable using Points via www.citirewards.com. The number of Points required to redeem gift cards may vary at the time of redemption. Gift cards are non-reloadable or redeemable for cash. Information accurate as of 9 May 2019. 6. You must be a member of the airline and hotel loyalty programs in which you wish to claim airline and hotel 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 Loyalty Points may take up to 28 business days to appear in your Airline Loyalty Program membership account. 7. 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. 8. 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 definition. Please click here for the full definition of Eligible Transactions. Points do not expire while the card remains open and in good standing. 9. Pay with Points is available on eligible purchases. An eligible purchase means an Eligible Transaction that you use Pay with Points within 60 days of the Transaction Date. 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 definition. 10. Conditions apply. Visit citibank.com.au/dine. 11. 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, and the balance transfer fee for a period of 15 months. The balance transfer fee of 1% is charged once, is calculated on the amount transferred and is added to your balance transfer amount at the time Citi processes your request. The 15 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 and balance transfer fee 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 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. This offer is valid until 31 January 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. **Please note, no interest free days apply to retail purchases while you have a balance transfer.** 12. 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. 13. Subject to your acceptance you will be billed an annual fee of $199 in the first year. This will revert to the full annual fee, currently $395, in subsequent years whilst the account remains open. This offer is valid until 31 January 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 14. 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/km207l05. 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. 15. Concierge Services is a complimentary service available to the Primary Cardholder of a Citi Rewards Platinum Credit Card. Refer to the Terms and Conditions of the Citibank Rewards Program. Concierge Services provided by Aspire Lifestyles (Australia) Pty Ltd. 16. 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. 17. To earn 10,000 bonus Points, you must request a Linked Diners Club Card during your application process and then make your first spend on the Linked Diners Club Card within the first 90 days from the card approval. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. The bonus 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 and the Linked Diners Club Card Extra Terms Part 3. This offer is valid until 31 January 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 18. No International Transaction Fee is only applicable for transactions made on your Linked Diners Club Card; including on the 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). © 2019 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.

* 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 Rewards Signature Credit Card (120,000 bonus points when you spend $4,000 in the first 90 days from account approval + 0%p.a. for 15 months on BT, 1% BT fee applies.)

Purchase Rate 21.49 % p.a.
Cash Advance Rate 22.24% p.a.
Interest Free Up to 55 days
Annual Fee $395.00
Balance Transfer Rate 0 % p.a. for first 15 months

Top Features

  • Get up to 120,000 bonus points when you spend $4,000 in the first 90 days from account approval.
  • Enjoy the benefits of the Citi Signature Card for just $199 in your first year, reverts to $395.
Show More Top Features

More Information

Rewards Program
Overseas ATM Availability
Insurance Cover for Purchases
Automatic Travel Insurance
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
Annual Fee $395.00
Minimum Repayment Greater of 2% or $30.00
Annual Fee First Year $199.00
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 -
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. Late Payment Fee - $30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account. † 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 2. 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 definition. Please click herefor the full definition of Eligible Transactions. Points do not expire while the card remains open and in good standing. φ 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). 1. To earn 120,000 bonus Citi rewards Points, you must apply for a Citi Rewards Signature Credit Card by 31 January 2020, then spend $4,000 on your Citi Rewards Signature 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 January 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 2. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. The Citi Rewards Signature Credit Card earns 2 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. 1.5 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. 3. 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, OLD 4000 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000122 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. 4. One complimentary Priority Pass™ Standard Membership, with two complimentary lounge visits, for the primary cardholder is a Special Feature of the Citi Rewards Signature Credit Card. Citi Rewards Signature Credit Cardholders must enrol for the Priority Pass Standard Membership at www.prioritypass.com/citibankaus. Once you have enrolled, please allow up to 15 working days for your Priority Pass card to arrive in the mail. 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 Rewards Signature Credit Cardholder. The membership is subject to the Priority Pass™ Conditions of Use. 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. 5. Gift cards are only redeemable using Points via www.citirewards.com. The number of Points required to redeem gift cards may vary at the time of redemption. Gift cards are non-reloadable or redeemable for cash. Information accurate as of 9 May 2019. 6. You must be a member of the airline and hotel loyalty programs in which you wish to claim airline and hotel 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 Loyalty Points may take up to 28 business days to appear in your Airline Loyalty Program membership account. 7. 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. 8. 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 definition. Please click here for the full definition of Eligible Transactions. Points do not expire while the card remains open and in good standing. 9. Pay with Points is available on eligible purchases. An eligible purchase means an Eligible Transaction that you use Pay with Points within 60 days of the Transaction Date. 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 definition. 10. Conditions apply. Visit citibank.com.au/dine. 11. 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, and the balance transfer fee for a period of 15 months. The balance transfer fee of 1% is charged once, is calculated on the amount transferred and is added to your balance transfer amount at the time Citi processes your request. The 15 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 and balance transfer fee 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 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. This offer is valid until 31 January 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. **Please note, no interest free days apply to retail purchases while you have a balance transfer.** 12. 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. 13. Subject to your acceptance you will be billed an annual fee of $199 in the first year. This will revert to the full annual fee, currently $395, in subsequent years whilst the account remains open. This offer is valid until 31 January 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 14. 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/km207l05. 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. 15. Concierge Services is a complimentary service available to the Primary Cardholder of a Citi Rewards Platinum Credit Card. Refer to the Terms and Conditions of the Citibank Rewards Program. Concierge Services provided by Aspire Lifestyles (Australia) Pty Ltd. 16. 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. 17. To earn 10,000 bonus Points, you must request a Linked Diners Club Card during your application process and then make your first spend on the Linked Diners Club Card within the first 90 days from the card approval. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. The bonus 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 and the Linked Diners Club Card Extra Terms Part 3. This offer is valid until 31 January 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 18. No International Transaction Fee is only applicable for transactions made on your Linked Diners Club Card; including on the 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). © 2019 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.

* 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.