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| Home>Credit Cards>Citibank Classic |
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The Classic credit card - Simply rewarding
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Apply now for the Citibank Rewards Credit Card - Classic and you will earn 1 reward point per $1 spent1 on all purchases.
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Plus, enjoy a free bottle of award winning wine every time you dine at partner restaurants, with Citibank's Dining Program2 and receive a range of discounts with Citibank World Privileges3.
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You will also enjoy up to 55 days interest free on all purchases4 and receive complimentary Purchase Cover Insurance5 and Guaranteed Pricing5 for added peace of mind.
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| Benefits of the Citibank Rewards Credit Card - Classic include:
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- An earn rate of 1 point per $1 spent on all purchases1
- A free bottle of award winning wine every time you dine at partner restaurants, with Citibank's Dining Program2
- An introductory rate of 6.9% p.a. for 6 months on balances transferred, after the introductory period the rate will revert to the Cash Advance Rate6
- Up to 55 days interest free on purchases4
- Complimentary Purchase Cover Insurance5 and Guaranteed Pricing Scheme5
- Annual fee $89.
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Qualification |
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Minimum Income Requirement |
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$25,000 p.a. |
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Minimum Age |
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18 |
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Additional Cardholders |
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Up to 4
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Additional Cardholder Minimum Age
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16
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Manage your Account
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Accessibility
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- Citibank Online
- Mobile Banking
- CitiPhone banking
- ATM
With your Citibank credit card and your ATM PIN, you can withdraw cash up to $1,000 per day. Multiple withdrawals may be required to access up to $1,000. Standard cash advance fees and charges may apply.
- EFTPOS
- Over the counter
You can make withdrawals at any bank in the world that displays the VISA or MasterCard logo (photo identification required). Your Citibank Credit Card and ATM PIN will be required. Fees and charges may apply.
- Visa payWave
Visa payWave is the latest in secure, contactless technology. For transactions under $100, just wave your Visa payWave-enabled card in front of a Visa payWave reader and go - there's no need for a signature or pin.
- MasterCard PayPass
MasterCard PayPass is the fast, convenient and secure way to pay when you're on the go. To make sure PayPass transactions are as simple and convenient as cash, a signature or PIN is not needed for transactions below $100. For purchases of more than $100, you'll be asked to sign or enter your PIN just as you would for any other MasterCard transaction.
- Worldwide acceptance at over 22 million locations
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Online budgeting tool
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Track your expenses and control your finances with our online budgeting tool
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Citi Alerts
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Track your account activity with free SMS and email alerts
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Payment Methods
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- Citibank Online
- Automatic Direct Debit (Easi-Pay)
- Funds transfer
- BPAY
- CitiPhone Banking
- Australia Post
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Statement Frequency
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Monthly
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Statement Delivery
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Online e-Statements or by mail
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Statement Frequency
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Monthly
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For more information on the fees and charges involved with any Citibank Credit Card, click here to view the Citibank Fees and Charges
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To find out how interest is calculated and charged, download Your guide to understanding interest on your Citibank Credit Card (Adobe PDF, 78.8kb). |
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Citibank Rewards
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Complimentary Rewards Program1
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1 Reward point per $1 spent
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Citibank Travel Program7
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Yes
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Voucher, Gift Certificates & Merchandise Rewards
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Yes
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Cash Back Rewards
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Yes
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Privileges
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Citibank World Privileges3
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26,000 merchants around the world
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| See how the value adds up |
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Customer Benefit |
Estimated Value |
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Annual Rewards Points earn
Assumes $3,000 spend per month. Based on gift card redemption value. |
$200 |
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Free bottles of wine
RRP of 6 average Dining Program bottles. Assumes 6 dining experiences. |
$210 |
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Complimentary Purchase Cover Insurance
Based on cost of comparable cover. |
$21 |
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Total estimated value |
$431 |
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Annual fee |
$89 |
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Net customer value |
$342 |
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| Some of these features are not available for sale, so we have estimated their retail value. Actual value may be more or less based on individual use. Conditions and exclusions apply. Assumes enrolment in the Citibank rewards program. |
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Applying for a Citibank Credit Card is simple. The application process should take less than 10 minutes to complete if you have all your personal information ready, and you will receive a response in 60 seconds after submitting the form.
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 To be eligible, you must meet the following criteria |
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- Are at least 18 years of age.
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Have a good credit rating.
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Earn taxable income of $25,000 per year or more
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Are a permanent Australian resident.
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If you are an existing Citibank Credit Card, you must have held your current Citibank account for at least 9 months before you can apply for another Credit Card.
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Please note that if you do not satisfy all these criteria, we apologise, but you will not be eligible for a Citibank Rewards Credit Card - Classic at this time.
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| Information required when applying online |
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Your personal details
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- Your contact details
- Driver's licence number (if you have one)
- Current residential status (and previous residential details if you have been at your current address for less than 3 years)
- If renting or boarding, your landlord or real estate agent's details
- Contact details of a relative or friend not living with you
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Your financial position
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- Your employer's address and switch telephone number (as listed in the White Pages)
- Annual and monthly income (before and after tax)
- Contact details for your accountant if self-employed
- The value of your home and car, if applicable, and any other assets
- Types and amounts of other income (e.g. rental income)
- Details of your main expenses, including the current balances owing on your Credit Cards, loans and investment mortgages
- If you plan to transfer a balance from another financial institution, please provide us with key details of that account, including: the name the account's held in; the type of card/account; the card/account number; the amount to be transferred and the issuing organisation's name and address.
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| Speed-up your Credit Card application |
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To expediate your approval, ensure you give us a contact phone number that we can call you on easily. You can also contact your payroll department (or accountant if you're self-employed) in advance to ensure they're ready and willing to confirm your income details when we call for verification.
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Fees and charges apply. Terms and conditions apply and are available upon request.
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Subject to your acceptance you will be billed an annual account fee which is currently $89 for the Citibank Rewards Credit Card - Classic (Classic card), and $15 for an additional Classic card. Allow up to 15 working days to process your Application subject to verification.
#Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $25,000 per year and your credit rating. Credit limit is up to $7,500 at point of initiation. Over time, you may increase your credit limit up to $10,000, if you satisfy our credit criteria.
1. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. Cash advances do not earn Reward points. Reward points never expire while the card remains open and in good standing.
2. Citibank's Dining Program is operated by Pinpoint Pty Ltd ABN 49 002 693 656 and Zenith Wine Agencies Pty Ltd ABN 66 128 399 717 and is open to Citibank cardholders. The cardholder is entitled to receive a gift of a selected bottle of wine when using their Citibank credit or debit card to pay for their restaurant bill. This offer is available only at participating partner restaurants for dine-in customers who order a minimum of a main course per person or spend over $50 in participating yum cha restaurants, and is limited to one free bottle of wine per booking. Split bills are not permitted. The free bottle of wine must be requested at the time of ordering. The free bottle of wine cannot be taken away or consumed off premises and is not available to customers selecting a degustation menu option with matching wines. The free bottle of wine specified may be out of stock or replaced. Should this occur, the restaurant will provide a similar quality bottle of wine at their discretion. Program not to be used in conjunction with any other offer.
3. World privilege payment must be made using a Citibank Credit Card. Privileges cannot be used in conjunction with any other promotional programs or offers. Citibank 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.
4. The maximum 55 days interest free period applies when you pay your balance off in full for two consecutive months. If you carry a balance on your credit card from month to month, the 55 days interest free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers.
5. Purchase Cover Insurance and Guaranteed Pricing Scheme are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at www.citibank.com.au/complimentaryinsurance. An excess applies to Purchase Cover Insurance.
6. The 6.9% 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 balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Annual Percentage Rate for Cash Advances, currently 21.74% p.a. The current Annual Percentage Rate for retail purchases is 20.99% p.a. Interest rates are variable, subject to change and credit criteria. The interest rates are current as at 1 June 2012. This offer ends 31 December 2012. Current Citibank Credit Cardholders are not eligible to apply for this introductory offer.
7. Citibank Travel Program service call centre is operated by Pinpoint Travel Group Pty Ltd, Licence No. 2TA002974. Travel booked via the call centre must be paid in full using the customer's Citibank Rewards Credit Card, with a cashback processed to the value of points redeemed. Cashback on customer account may take up to 14 days. Redemption via the Citibank Travel Program call centre is available only to customers enrolled in the Citibank Rewards Program and is not available to cardholders who enrol in airline frequent flyer direct earn rewards programs. All offers are subject to availability and change without notice. Offers may vary according to itinerary options, currency fluctuations and taxes at the time of booking.
© 2012 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No. 238098. Citibank®, Citi® and Arc Design® are service marks of Citigroup Inc.
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