PLATINUM CREDIT CARD

Citi Rewards Platinum Credit Card

0% p.a. for 24 months on balance transfers1.

(1.5% BT fee applies)

Rethink banking.

Citi Rewards Platinum Credit Card
Platinum

Citi Rewards Platinum Credit Card

Get your life moving.

Are you looking to take advantage of a long balance transfer? Or do you prefer to be rewarded with bonus points? With the Citi Rewards Platinum card, there's two great offers to choose from to help get your life moving.

Choose the offer that suits you best...

0

%

p.a.

for 24 months on

balance transfers1

(with a 1.5% BT fee)

60,000 Bonus Points

when you spend $2,000 within 90 days2

plus
0

%

p.a.

for 18 months on

balance transfers3

Take advantage of:

  • 1.25 Citi Reward Points per $1 spent on eligible purchases in Australia (up to $10,000 per statement period) and 1.25 points per $1 spent overseas (uncapped)4.
  • Savings with a balance transfer. (After the promotional period, any outstanding balances will revert to the cash advance rate.)
  • A reduced annual fee for the first year5.
  • Complimentary International Travel Insurance, Purchase Cover Insurance and more6.
Features
Balance Transfer Rate

Transferring balances from one credit card to another, usually to take advantage of a lower interest rate. Transfers are limited to the available credit on the receiving card.

0% p.a. for 24 months1 or 0% p.a. for 18 months3 (1.5% BT fee applies) after 24 months. Reverts to cash advance rate after BT period
Retail Purchase Rate

The rate that a bank or credit provider charges for the money it lends to you.

20.99% p.a.
Cash Advance Rate 21.74% p.a.
Interest Free Period
Some credit cards give the cardholder the option to make transactions on their account without being charged any interest. If your card has an 'interest free day' clause (check your pre contractual statement or your conditions of use) then you will qualify for interest free use so long as you pay the entire closing balance of each monthly statement before the due date shown on the statement. If you pay less than the full closing balance as shown on the statement you will incur interest charges in accord with the conditions of use. If you short pay one time, you usually need to pay the full balance for two consecutive months before your account will be interest free again.

If you carry a balance on your credit card from month to month, you do not have an interest-free period even if your conditions of use say your account has interest free days options. You are charged interest immediately when you make a purchase.

For example, if you have a balance of $500 and make a payment of $50 on June 1st, and buy an item for $50 on June 2nd, you will immediately be charged interest on that $50 purchase. This is because you have an outstanding balance of approximately $450 between June 2nd and your next statement.

Importantly, if your credit card is not an interest free day type account, even if you pay the statement balance in full each month, you will still be charged interest.
Up to 55 days interest free7
Maximum Credit Limit

The maximum balance you can carry on your credit card or line of credit account.

$100,000#
Annual Fee

The annual fee is the yearly cost you pay for having the card. 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.

$199 annual fee in the first year (normally $249)5
Additional Cardholder Fee $90
Card Type Visa
Minimum Income Requirement $35,000
Minimum Age 18
Additional Cardholders Up to 4
Additional Cardholder Minimum Age 16
Accessibility
  • 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.

  • Worldwide acceptance at over 22 million locations
Online budgeting tool Track your expenses and control your finances with our online budgeting tool
Citi Alerts Track your account activity with free SMS and email alerts
Payment Methods
  • Citibank Online
    • Automatic Direct Debit (Easi-Pay)
    • Funds transfer
    • BPAY®
  • CitiPhone Banking
  • Australia Post
Statement Frequency Monthly
Statement Delivery Online e-Statements or by mail
Statement Frequency Monthly

For more information on the fees and charges involved with any Citibank Credit Card, view the Citibank Fees and Charges here.

Rewards

Citi Rewards

Citibank Dining Program Free wine every time you dine with the Citibank Dining Program12
Citi Travel Centre8 Your ticket to a world of rewards. Use your Citi Rewards Points to book flights, hotels, rental cars and access a range of holiday packages - from international travel to weekends away. Find out more about Citi Rewards
Voucher, Gift Certificates & Merchandise Rewards Yes
Cash Back Rewards3 Yes

Privileges

Citi World Privileges9 26,000 merchants around the world
Personal 24 Hour Concierge Services

Personal Concierge Service: Enjoy the privilege and convenience of a Personal Concierge to provide you with information and assistance for both business and leisure. This service can recommend a restaurant in New York, book theatre tickets in London and arrange flowers or last-minute gifts for family and friends. They will take care of the little things, so you can look after the big ones. With Citi Platinum you can use the Personal Concierge from anywhere in the world, available to you 24 hours a day, 7 days a week.

Yes, please call 1300 369 145
VISA Frontline access Reserve tickets to some of the biggest concerts, hottest shows and exciting sports events before they go on sale to the public.
VISA Travel and Entertainment Deals10 Exclusive travel and entertainment deals through Visa. From discount deals at international hotels to special VIP entertainment offers, the red carpet is always rolled out for Visa Platinum customers. Find out more at visaplatinum.com.au.
Special Offers & Discounts11 Save on dining, theme park entry, magazines, shopping, wine, travel packages, movie tickets, gift cards and more. Plus access to hard to get theatre, concert, sporting and musical events.
Value

See how the value adds up

Customer Benefit Estimated Value
Annual Reward Points earn

Assumes $1,500 spend per month. Based on Myer gift card redemption value.

$100
Free bottles of wine

RRP of 6 average Dining Program bottles. Assumes 6 dining experiences.

$210
Complimentary Purchase Cover Insurance

Based on cost of comparable cover

$21
Complimentary Extended Warranty Insurance

Based on cost of comparable cover

$100
Complimentary International Travel Insurance* $100
Total estimated value $531
Annual fee (first year) $199

Net customer value (first year)

$332

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 Citi Rewards Program.

*This is based on a basic level Travel insurance policy covering two persons travelling for a single period of 18 days to three countries.

Security

Security

Digital Signature No
Fraudshield®

If we detect any irregular transactions on your Account, we will contact you immediately, even if you are overseas (if we have your contact details). All you need to do is call CitiPhone Banking on 13 24 84 and provide your contact details before you travel.

Yes

Peace of mind

Complimentary International Travel Insurance6

Purchase your overseas travel tickets with your Platinum card and you and your family may be covered for medical expenses, trip cancellation due to unexpected circumstances, loss or theft of personal items and more.

Yes
Complimentary Transit Accident Insurance6

Purchase your overseas travel tickets with your Platinum card and you and your family may receive up to $500,000 if you were to sustain a fatal injury as a passenger whilst travelling.

Yes
Complimentary Purchase Cover Insurance6

If items are lost, stolen or damaged anywhere in the world within 90 days of purchase on your Platinum card, they may be repaired, replaced, rebuilt or reinstated, free of charge if you make a claim within 21 days.

Yes
Complimentary Extended Warranty Insurance6

Generally, the manufacturer's warranty period is doubled, up to 12 months, when you purchase items with your Platinum card.

Yes
Complimentary Guaranteed Pricing Scheme6

Guaranteed Pricing Scheme enables you to receive a refund of the price difference when you purchase in-store and then see the same product advertised at a lower price in a catalogue from a store within 25kms of the store from where the covered products were purchased, you can claim the difference within 60 days if the price difference is greater than $75, up to $500 and the product hasn't been purchased online.

Yes
Emergency card replacement Yes
24/7 Customer Service Yes
How to Apply

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.

Please refer to the How to Apply page for further information.

  • Emirates Citi World.
  • Citi Prestige. 70,000 bonus points on first spend.

Important information:

Fees and charges apply. Cards are offered, issued and administered by Citigroup Pty Limited. Terms and conditions apply and are available upon request. Credit Criteria apply. New cards customers only.

# Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $35,000 per year and your credit rating.

  1. Platinum 0% p.a. for 24 months on Balance Transfers: 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 balance transfer fee for a period of 24 months. The 24 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 and balance transfer fee will revert to the variable Annual Percentage Rate for Cash Advances, currently 21.74% p.a. Offer ends 31st December 2016. Offer may be extended.
  2. Platinum 60,000 Bonus Points: You will earn 60,000 Citi Reward Points when you spend $2,000 on your card within 90 days from card approval. All Rewards are subject to the terms and conditions of the Citi Rewards Program. Citi Reward Points never expire as long as your account remains open. Current Citi Credit Cardholders are not eligible to apply for this introductory offer. Offer ends 31st March 2017. Offer may be extended.
  3. Platinum 60,000 Bonus Points - 0% p.a. for 18 months on Balance Transfers: 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 18 months commencing once the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balances will revert to the variable Annual Percentage Rate for Cash Advances, currently
    21.74% p.a. Offer ends 31st March 2017. Offer may be extended.
  4. All rewards are subjected to the Terms and Conditions of the Citi Rewards Program. Cash advances do not earn Reward points.
  5. Subject to your acceptance you will be billed an annual fee of $199 in the first year. This will revert the standard annual fee, currently $249, in subsequent years. An annual additional cardholder fee applies, currently $90 per card.
  6. For any claims lodged on or after 1st May 2016, Complimentary Insurance is issued and managed by AGA Assistance Australia Pty Limited (trading as Allianz Global Assistance) (AFSL No.245631 ABN 52 097 227 177), 74 High Street, Toowong QLD 4066 on behalf of the insurer Allianz Australia Insurance Limited (AFSL No. 234708 ABN 15 000 122 850), 2 Market Street,
    Sydney NSW 2000, and is subject to Terms, Conditions, and exclusions, some limits and excess may apply. The Terms and Conditions are available at www.citibank.com.au/complimentaryinsurance.
  7. For any claims lodged prior to 1st May 2016, Complimentary Insurance is 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 is subject to Terms, Conditions and exclusions, some limits and excess may apply. The Terms and Conditions are available at www.citibank.com.au/complimentaryinsurance.

  8. 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.
  9. The Citi Travel Centre is operated by Connexions Loyalty Travel Solutions LLC, and its affiliate, Loyalty Travel Agency LLC (collectively, "Travel Services"). Redemption via the Citi Travel Centre is available only to customers enrolled in the Citi 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. For full terms and conditions visit https://www.citirewards.com/terms.htm
  10. Payment must be made using a Citi 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.
  11. Exclusive Platinum Visa Entertainment Offers supplied by Visa. Visit www.visaentertainment.com.au for details.
  12. Platinum cardholders receive exclusive access to unique events. Each event will be subject to separate terms and conditions.
  13. Conditions apply. Visit citibank.com.au/dine

© 2016 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citibank®, Citi® and Arc Design® are service marks of Citigroup Inc.