EXISTING CARDHOLDERS

Make sure you're getting the best out of your Credit Card features and benefits. View the full details of your Credit Card here.

You can manage your account with two easy options - available at anytime, 24 hours a day, seven days a week.

Citibank Online

Access and manage your accounts at any time that suits you with Citibank Online. Learn more about Citibank Online here.

CitiPhone Telephone Banking

You can also manage your accounts using CitiPhone Telephone Banking, available 24 hours a day, seven days a week. Learn more about CitiPhone services here.

Learn more about your statement and how to read it, as well as the benefits of eStatements and how to register for them here.

Making payments

Funds Transfer

You can make a funds transfer from a linked Citibank account (not Credit Card or other Ready Credit) through Citibank Online or CitiPhone Self Service Banking. To transfer funds from an existing Citibank account, sign on to Citibank Online or phone 13 24 84 to use CitiPhone Banking, then follow the prompts.

By Mail using a Cheque

You can post us your payment by enclosing your completed Remittance Advice provided with your monthly statement (for credit products only) or deposit slip (see below for more information on deposit books) and mail with your cheque (no notes or coins accepted) to the following address for each of the following products:

Citibank
GPO Box 749F
Melbourne VIC 8105

Please make your cheque payable to your Citibank account number and specify your account type e.g. Citibank Gold Credit Card account number. It would also assist us in processing your payment if you write the actual account number on the back of your cheque.

Cheques payable to the accountholder may also be accepted (e.g. dividend cheque, Medicare refund, etc) but cheques payable to a third party will not be accepted.

For more information on cheque clearance times, visit our Cheque Clearance page.

Australia Post

You can make payments at any Australia Post office displaying the Bank@Post™ symbol using cash or EFTPOS and these payments will be processed immediately. Remember to take your Remittance Advice and your Credit Card with you for a faster transaction.

For payments made at any other Australia Post office using cash or EFTPOS, please allow 48 hours for the payment to reach your account. When paying by cheque at any Australia Post office, please allow seven business days for the cheque to clear. However, funds will be considered received the day the cheque is deposited.

BPAY^®

If you are registered for internet and/or phone banking with the financial institution that holds the account you want to pay from, you can use Bpay^® to make repayments. Just follow the simple prompts and enter Biller Code 49502 followed by your 16-digit Citibank Credit Card number as your Customer Reference Number.

Easi-Pay

Download Credit Card Easi-Pay application form (Adobe PDF, 179 KB)

If you have chosen to make your repayments using our direct debit service Easi-Pay, your repayments will automatically be made on time from your nominated bank account. Using Easi-pay avoids the hassle of remembering to make repayments each month, and helps prevent incurring unwanted late fees. Please ensure there are sufficient funds in the account on the monthly due date.

Minimum Payments

How is my minimum payment calculated?

Your minimum monthly repayment is (rounded up to the nearest dollar): the greater of $30 and 2.00% of Card Balance; or where a Late Payment Fee is charged, the greater of $30, and the sum of 1% of the Card Balance, Late Payment Fee and interest charged for that month; or the Card Balance if it is less than $30, plus any Monthly Instalment for that month. Card Balance - the Closing Balance less any Instalment Loan balance and Monthly Instalment for that month. Payment is due on the date specified on your Credit Card statement.

What happens if I miss a repayment?

Citibank will charge you a late fee. Click here for details of the Fees and Charges. This fee can easily be avoided by ensuring that you pay your Citibank Credit Card minimum due on or before the due date. This information can be found on your monthly statement.

For Citibank Credit Cards with Interest Free Days, if you do not pay the full closing balance of your statement on or before the due date, then you will lose your interest free days and interest will be charged on each purchase from the date it was made.

To assist you with timely payments, Citibank has a facility called Easi-Pay that will automatically pay your monthly Credit Card bill from your nominated bank account. Download Credit Card Easi-Pay application form (Adobe PDF, 507 KB).

For more information and to apply for Easi-Pay, please call us on 13 24 84 or sign on to your online banking account.

You can make cash withdrawals from your Citibank Credit Card account via:

1. ATM

Accessing your accounts is easy with a Citibank Credit Card and your ATM PIN. With over 20,000 ATMs around Australia and more than 820,000 worldwide, you can do your banking anytime, anywhere.

Citibank customers enjoy access to the second largest bank ATM network in Australia free of direct charges. Citibank customers pay no ATM direct charge fees at over 2,500 Westpac-branded, St.George^ and BankSA ATMs nationwide.

You can withdraw cash up to $1,000 per day at any ATM that displays the VISA or MASTERCARD symbol. When overseas, you can also access cash from any ATM that displays the Plus, Star or NYCE symbols.

Use of your Citibank Credit Card to withdraw Cash from an ATM will attract a Cash Advance Fee. If the ATM is located overseas additional Foreign Currency Exchange Fees will also apply . Citibank has developed fee guides to help you understand when a fee is charged on your Citibank account and tips on how to avoid them. You can visit our Fees and Charges page to view and download a copy of these guides.

Find out more about ATM direct charging.

To find your nearest direct charge free ATM, visit ATM Locations.

You can also use Findmyciti.com to search for a Citibank ATM, branch or Citigold Centre anywhere in the Asia-Pacific region.

^Excludes St.George-branded ATMs at BP station outlets throughout Australia.

2. Over the counter

You can make withdrawals at any bank in the world that displays the VISA or MasterCard logo (photo identification required). Your Citi Credit Card and ATM PIN will be required. Fees and charges may apply.

Your Citibank ATM PIN (Personal Identification Number) can be used to:

1. Make a Cash Withdrawal

Cash Withdrawals of up to $1000 per day can be made at over 20,000 ATMs around Australia and more than 820,000 worldwide, at any bank in the world that displays the VISA or MasterCard logo (note photo identification is also required).

2. Make a Transaction at an EFTPOS Terminal

All Citibank Credit Cards are issued with an embedded micro chip , which is used to securely store your card's data. The chip is far more secure than a magnetic strip, making it much harder to fraudulently copy the details of your card. This chip also gives you the option to either sign the receipt or enter your PIN for verification when making purchases at an EFTPOS terminal.

Many countries, such as New Zealand, China and Europe, including the UK, Ireland, France and others, have recently introduced a chip and pin payment system. In some of these countries transactions performed with a chip Credit Card can only be completed with a PIN and not a signature. For this reason we strongly recommended that if you do not know your ATM PIN, you request one prior to traveling overseas.

How to request a new ATM PIN ?

All cardholders are issued a PIN with their Citibank Credit Card, however, if you have forgotten or misplaced your PIN, call us and we'll be happy to issue you with a new one today. Call CitiPhone Banking on 13 24 84 .

How to change your existing ATM PIN?

If you have received an ATM PIN but want to change it to a number you can more readily remember you can do this via Online Banking.

• Simple Log Onto Online Banking - Note that you will need to use the Online User ID and Password specific to the Citibank Credit Card that you wish to change the PIN for.
• Select 'Edit Profile and Preferences' - This is located above the sign out button
• Select 'Change ATM PIN' and follow the prompts.

BPAY lets you pay your bills at your convenience. Learn how to set-up a bill payee and pay your bills quickly and easily with the BPAY interactive tutorial.

A balance transfer involves transferring the existing balance(s) on your current credit(s) to a new Citibank Credit Card. It can mean big savings by reducing the interest charges on your existing card balance - along with streamlined card management. Learn more about balance transfers here.

You should check your statement against your personal records, as soon as possible to ensure that you recognise all transactions. If you don't recognise a transaction, call CitiPhone straight away on 13 24 84. Alternatively, you may wish to contact the merchant directly and to try and resolved the dispute yourself. View further information on disputing a transaction.

Please also be aware, if you have a recurring bill payment being debited from your account that you wish to cancel, we also suggest that you contact the biller or merchant responsible for debiting the amount in order to cancel the request.

You are able to make changes to your account, such as applying for additional accounts, upgrading your existing Credit Card or updating your contact details and preferences. Sign on to Citibank Online to make changes to your account here.

Convenience for your family - More reward points for you

Your Citibank Credit Card provides the option of having up to 4 Additional Cardholders linked to your account. It's a convenient way of ensuring family members have access to finance when they need it.

Additional Cardholders will be issued with their own Citibank Credit Card, and any transactions made using these cards will be separately itemised on your card Statement, making it easy to manage your finances. Your Additional Cardholder will also be able to benefit from all the same benefits and privileges as your own Citibank Credit Card. If you need a reminder of what these benefits are visit the About My Card Page.

Perhaps the biggest advantage of giving family members a Citibank Credit Card is the ability to top up your reward points more quickly. Because every time a family member uses their card on a retail purchase, they'll earn Citibank reward points, which contribute to your account.

A win win for everyone! - It's hard to think of a better way to provide your family with a great Credit Card and at the same time multiply your reward points.

Who can be an Additional Cardholder?

You can nominate anyone to be an Additional cardholder however they must be over the age of 16.

If there is an annual fee attached to any of my additional cards, when will it be billed to me?

The Additional Cardholder's annual fee is charged on the account's Anniversary date, along with the Primary Cardholder's annual fee. For details of the Additional Cardholder Annual Fee applicable to your Citibank Credit Card please visit the Fees and Charges Page.

What will the Additional cardholder be able to do?

Your Additional Cardholder will be issued with their own Citibank Credit Card. This card will have a different number than yours, allowing you to track their expenditure separately on your statement. You as the Primary Cardholder however remain liable for all transactions incurred on the account

Under the Privacy Act, and in accordance with our Terms & Conditions, we are limited as to the information we can give Additional Cardholders.

Only you the Primary Cardholder can do the following :

• Accept or Request Credit limit increases or Upgrades
• Close the account
• Conduct online Rewards Redemptions (Note: they can redeem reward points via our Rewards Call Centre)
• Update account information
• Setup/amend/cancel Easi-pay.

Applying for an Additional Card is easy. Simply choose one of the following options.

Online : Sign on to Internet Banking, go to Account Services, Credit Cards and choose the 'Additional Card' option.

Over the phone : Call CitiPhone on 13 CITI (13 24 84)

Mail

Complete and mail/fax back the Additional Card Application Form: (applicable for any type of Citibank Credit Card).

• Download Additional Card Application Form

Once I have requested an Additional Card/s where does the Additional Card/s get sent?

The cards will be sent to your address (as the Primary Cardholder) but to the attention of your nominated Additional Cardholder.

How long will it take to get the Additional Card/s sent to me?

Your Additional Card/s will be sent to you within 7 to 14 days after your request is received. You or the nominated Additional Cardholder can call up to activate the card.

How to Apply:

• Sign on to internet banking, go to 'Account Services', then 'Credit Cards' and choose either Gold or Platinum Upgrade option, or
• Call CitiPhone on 13 CITI (13 24 84), or
• Complete and mail or fax back an application form.

All upgrades are subject to Citibank's credit criteria. Please allow 5-10 working days for us to assess your application.

How long will it take to get my new Citibank Credit Card?

Your new Citibank Credit Card will be sent to you 7 to 14 days after we receive your request.

Can I continue to use my Existing Citibank Credit Card?

While your credit card is being upgraded/switched , a grace period exists where transactions on the existing credit card will be debited to the new credit card. During this grace period only retail and telephone purchases can be made. BPAY, Citibank Online, Cash Advances and ATM transactions will not work.

How will this affect my Annual Fee?

As your New Citibank Credit Card may have a different Annual Fee than your existing Citibank Credit Card a prorata charge will be made.

I have an Additional Cardholder will this Card be automatically Upgraded or Switched?

Yes - any Additional Cardholders will be automatically issued with a new Citibank Credit Card.

Will my existing reward points be transferred?

Yes. They are automatically switched over when your new Citibank Credit Card is opened, as long as the new Citibank Credit Card is eligible for Citibank Rewards. If you have decided to switch to a Citibank Credit Card that does not have Citibank Rewards as a feature then your Rewards Points will be forfeited. Note that if the card offers a different rewards program (e.g. Citibank Emirates Rewards) we will be unable to transfer your points across.

What will happen to my direct debits?

If you have authorised a company to automatically charge your Credit Card each month (e.g. electricity, telecommunications) you will need to advise them of your new card number. If you have authorised Citibank to direct debit your savings/cheque account to pay your existing Citibank Credit Card (known as Easi-Pay), this authorisation will automatically transfer to your new Citibank Credit Card.

What should I do with my existing Citibank Credit Card?

Once you have received and activated your new Citibank Credit Card simply cut up your existing one and start using your new Card straight away.

I have CardProtect3 on my existing Citibank Credit Card will this apply to my new Citibank Card?

CardProtect will automatically transfer to the new account (plus premiums where payable will automatically transfer to the new account).

After owning your Citibank Credit Card for 9 months, you can request an increase in your credit limit.

How to Apply:

• Sign on to internet banking, go to Account Services, Credit Cards and choose the Credit Limit Increase option, or
• Call CitiPhone on 13 CITI (13 24 84), or
• Complete and mail or fax back the application form: Credit Limit Increase.

An increase in your credit limit will be approved subject to Citibank's lending criteria. If you apply online, an approved credit limit increase is effective immediately. If requesting a credit limit increase through CitiPhone or via mail or fax, please allow 5 to 10 working days for us to assess your application.

Please note that:

• A minimum of 9 months from account opening date and 6 months from last increase are required before an increase will be considered
• Currently, the maximum increase at any one time is 50% of the existing limit
• Under ACT legislation, Cardholders who are ACT residents must apply for any increase in writing
• Credit Limits cannot be increased by more than the product maximum (i.e. Silver is $10,000).

How do I decrease my credit limit?

We understand your circumstances may change and you may need to decrease your credit limit*. You can request a decrease on your Credit Limit through one of the following ways;

• Over the phone call CitiPhone on 13 CITI (13 24 84)

• By mail please address letter to the following address:

  Attention: Unsecured loan processing

  Citibank
  PO Box 1625
  Sydney NSW 2001

• Online simply login to Citibank Online and click the mail icon to send us a secure email.

*Please note - the credit limit cannot be any lower than the product minimum.

With Credit Card Repayment Protection, Citibank will repay your Credit Card when you can't.

Learn more about Credit Repayment Protection here.

Citibank will charge your annual primary cardholder fee to your account on first use of your account, including when you activate your card, and then on each anniversary of the date Citibank approved your account.

If you have additional cardholders on your account, your annual additional cardholder fee will be charged to your account when the additional card is issued, pro rata up to the next anniversary of the date on which your account was approved and then payable with the annual fee.

There are no joining or ongoing fees for the Citibank Rewards program. You are automatically enrolled when your card is activated.

Sign on to Citibank Online and click on 'change my contact details' on the 'my home' page.

Yes you can use your points to pay your annual fee. Once your annual fee appears on your Credit Card statement you can redeem your points for the annual fee and we will credit your card with the relevant amount. You can even pay your Additional cards' fee using this method.

You can find out how many reward points you have in the following ways, you can:

• Log onto citibank.com.au/rewards
• View on the Citibank Mobile App
• Call CitiPhone on 13 CITI (13 24 84);
• View your monthly statement.

No. Your reward points do not expire as long as your account is open and operated in accordance with the Terms and Conditions.

Yes, if you upgrade from a Citibank Rewards Credit Card - Classic to a Rewards Platinum or Signature, your points will be automatically transferred to your new card. Your points will show on your next Credit Card statement.

Yes. You can transfer your reward points to another cardholder who is an immediate family member. Citibank requires this request to be in writing. Simply mail to Citibank Rewards, Locked Bag EDGECLIFF, NSW 2027 or fax to 1300 667 060.

Yes. The maximum number of reward points that may be awarded to each account in any period of 12 months beginning from the day you were enrolled in the Reward program:

You can sign on and view your points summary on the rewards section of the site. If you still have a question you can send us an email with your question or please call 13 CITI (13 24 84). You have up to 6 months to query your points.

Your reward points balance is updated every working day. To check your reward points balance at any time by following the below steps:

• Visit www.citibank.com.au/rewards
• Sign on for internet banking
• In the left hand navigation, in the Jump To drop down menu, select "Rewards"
• In the left hand navigation, select "Redemption Activity"
• You will be able to see your redemption history as well as your points balance on the top right hand corner.

OR

Call CitiPhone on 13 CITI (13 24 84)

OR

View your monthly statement.

You are able to redeem your points online at www.citibank.com.au/rewards. Choose the items that you would like to redeem for, sign on for internet banking and confirm the redemption. You are also able to redeem your rewards by calling 13 CITI (13 24 84) however an additional redemption of 2,000 points will apply to all phone redemptions. Make sure your day time delivery address and phone number are up to date in our system so that we can ensure your rewards arrive quickly. It may take up to 28 days for delivery.

You and your first additional cardholder authorised by you can redeem your reward points. Additionally, you are able to give permission for other additional cardholders to redeem rewards on the Reward Profile page after you log into www.citibank.com.au/rewards.

You can redeem your rewards points for vouchers, cashback, and a wide range of merchandise. You can even use your points for travel with our online booking service. With Citibank Take Flight you can book, search and compare flights and accommodation all in the one place. For more information visit www.citibank.com.au/takeflight and make sure you check out our last minute specials!

Merchandise is updated each quarter and last minute specials for Citibank Take Flight are updated on a more regular basis.

Yes. You can use the Fast Track (Points Plus Pay) facility that allows you to combine points and a dollar amount to redeem a Reward. The additional dollar amount is simply debited to your Citibank Rewards Credit Card.

Most rewards will need to be signed for so we recommend you provide us with a daytime delivery address when confirming your rewards redemption. We cannot deliver to PO Boxes but are happy to send it to your business address. If you change your delivery address for the reward it will not change where your statements are being sent.

No. Reward points cannot be used to pay the freight cost. Freight will be charged to your Citibank Rewards Credit Card.

You can access your Reward points balance and view rewards items by selecting the Rewards button on the home screen of the Citibank Mobile App.

Simply visit the App Store or Google Play^™ store and search for 'CitibankAU' to download the Citibank Mobile App.

Yes. You can view your Reward points balance through the mobile app; however you must be signed in to do so.

Yes. The Mobile App gives you the ability to search for reward items by category, keyword or product code, redeem reward points, and check your redemption history.

No. You can view rewards items without being signed into the app. You will however be prompted to sign in before processing a redemption.

Yes, the mobile app does support Points Plus Pay. If the Points Plus Pay option is available for the product you want to redeem, select the Points Plus Pay option and proceed with your redemption. Note: Not all products support the Points Plus Pay option.

If you're a Citibank Rewards Credit Card - Platinum, Signature or Select cardholder you can enrol in the Citibank Qantas Rewards program by calling CitiPhone on the numbers below:

You need to be a member of the Qantas Frequent Flyer Program and have advised us of your Qantas Frequent Flyer Program membership number before you can participate in Citibank Qantas Rewards. It is also important that your name on your card must match the name on your membership account. Your rewards balance will be automatically redeemed for Qantas Frequent Flyer Points at the end of each Statement Period. It may take up to 28 business days for the points to appear in your Qantas Frequent Flyer membership account.

Your points can only be credited to the Qantas Frequent Flyer's membership account in the account holder's name.

MY OFFERS is a feature available to Citibank customers who have registered for online access through our secured website. It lets you take advantage of exclusive offers you may be eligible for including credit limit increases, balance transfers, Credit Card Insurance and a variety of insurance products. To register for online access visit www.citibank.com.au.

Simply sign on to Citibank Online and click on MY OFFERS to discover the best Credit Card, Mortgage and Deposit options available for you. Alternatively, you can follow the link for 'More Credit Card Offers' to learn more about the Citibank Credit Card offers available to you.

MY OFFERS is easy to use. Simply click on any offer that interests you to find out more. If you would like to accept an offer, click on 'Continue' and follow the prompts all the way through to 'Confirmation'.

Yes, you can accept more than one offer at a time. You may accept any number of offers listed on the MY OFFERS page of your online account or any offer discussed with our Customer Service Officers.

If you have been a Citibank customer for 9 months, you can apply for a credit limit increase. These requests are subject to Citibank's credit criteria and your existing account being in good order at the time of processing and provided you have not accepted a credit limit increase in the last 6 months.

Currently no fees are charged for a credit limit increase. However, for every $1,000 of additional credit an additional repayment of $30 is required if the credit is fully utilised.

You can use your new credit limit within 24 hours of accepting it. However, if you would like to request a limit higher than the credit limit proposed, or if your financial circumstances have changed, we will require additional details about your financial position and your credit limit increase request will be subject to a credit assessment and verification of the information you have provided to us, to ensure the additional credit is suited to your financial circumstances.