PLATINUM

Citibank Rewards Credit Card - Platinum

1.5% p.a. for 15 months on balance transfers1.

Rethink banking. Powered by Citi.

Citibank Rewards Credit Card - Platinum 1.5% p.a. for 15 months on balance transfers¹. Rethink banking. Powered by Citi.

The Platinum card - reward yourself with savings.

Save money and be rewarded for everyday purchases with the Platinum credit card. Built on Visa's Platinum platform, this card offers unique lifestyle experiences such as reserved seating with Visa Front Line Access9 and exclusive travel and entertainment deals9 and complimentary insurances2.

Apply before 20 November 2013 and receive a low introductory rate of 1.5% p.a. for 15 months on balance transfers1. Plus enjoy a free bottle of award winning wine every time you dine, and use your card to pay at partner restaurants, with the Citibank Dining Program4.

You can also apply for the award winning Citibank Plus everyday bank account - totally fee free5. Simply complete the short application form for the Citibank Plus account once your Citibank Platinum card application has been completed.

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Benefits

Benefits of the Citibank Rewards Credit Card - Platinum include:

  • A low introductory rate of 1.5% p.a. for 15 months on balances transferred1. After the introductory period, the rate will revert to the cash advance rate1.
  • 1.25 points per $1 spent on purchases in Australia and 3 points per $1 spent on international purchases, up to 250,000 points every year with Citibank's Rewards Program3.
  • A free bottle of award winning wine every time you dine, and use your card to pay, at partner restaurants with Citibank Dining Program4.
  • A range of complimentary insurances including International Travel Insurance, Transit Accident Insurance, Extended Warranty, Purchase Cover and Guaranteed Pricing Scheme2.
Features

Flexibility

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.

 1.5% p.a. for 15 months1. Cash advance rate after 15 months.
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 free6
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
Supplementary Fee $90
Card Type Visa

Qualification

Minimum Income Requirement $35,000
Minimum Age 18
Additional Cardholders Up to 4
Additional Cardholder Minimum Age 16

Manage your Account

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)
    • unds 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.

To find out how interest is calculated and charged, download Your guide to understanding interest on your Citibank Credit Card (Adobe PDF, 78.8kb).

Rewards

Citibank Rewards

Citibank's Dining Program3 Receive a free bottle of award winning wine every time you dine at partner restaurants
Complimentary Rewards Program2

Enjoy Complimentary access to a superior Rewards program with Reward points that don't expire while the card remains open.
  • Domestic: 1.25 reward points per $1 spent
  • International: 3 reward points per $1 spent
Citibank Travel program7 Yes
Voucher, Gift Certificates & Merchandise Rewards Yes
Cash Back Rewards Yes

Privileges

Citibank World Privileges8 26,000 merchants around the world
Personal 24 Hour Concierge Services

Personal Concierge Service (Exclusive to Platinum cardholders).

Enjoy the privilege and convenience of a Personal Concierge to provide you with information and assistance for both business and pleasure. 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 Citibank Platinum you can use the Personal Concierge from anywhere in the world, and is available to you 24 hours 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 Deals9 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 & Discounts 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

Apply now for the Platinum card and new cardholders will receive a low introductory rate of 1.5% p.a. for 15 months on balances transferred1. After the introductory period, the rate will revert to the cash advance rate.

With a range of benefits including a generous earn rate, complimentary insurance and free award winning wine every time you dine, see how the value adds up with the Citibank Platinum Card.

The rewards really do add up.

Customer Benefit Estimated Value
Annual Rewards Points earn

Assumes $3,000 spend per month. Based on Myer gift card redemption value.

 $250
Free bottles of wine

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

 $210
Complimentary Purchase Cover Insurance* $21
Complimentary Extended Warranty Insurance* $100
Complimentary International Travel Insurance* $100
Total estimated value $681
Annual fee $199

Net customer value

$482

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.

* Based on cost of comparable cover

Security

Security

Digital Signature No
Fraudshield ®

If we detect any irregular transactions on your Account, we will call 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 Insurance2

Purchase your travel tickets with your Platinum card and you will be covered for unlimited medical expenses, trip cancellation, loss or damage to personal items and more.

 Yes
Complimentary Transit Accident Insurance2

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

 Yes
Complimentary Purchase Cover Insurance2

If any items are lost, stolen or damaged anywhere in the world within 90 days of purchase on your Platinum card, they will be repaired, replaced, rebuilt or reinstated, free of charge.

 $200,000
Complimentary Extended Warranty Insurance2

Generally, the manufacturers warranty period is doubled when you purchase items with your Platinum card.

 Yes
Complimentary Guaranteed Pricing Scheme2

Guaranteed Pricing Scheme enables you to receive a refund of the price difference when you purchase in-store an eligible item which later goes on sale. Conditions apply.

 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.

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  • Signature Save with 1.5% p.a for 15 months on balance transfers¹.
  • Select. 60,000 bonus reward points.

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.

# 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. Credit limit is up to $30,000 at point of initiation. Over time, you may increase your credit limit up to $100,000, if you satisfy our credit criteria.

  1. Your total balance transfers may not exceed 80% of your credit limit. The 1.5% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 15 months. 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, and subject to change. The interest rates are current as at 1 April 2013. This offer ends 20 November 2013. Current Citibank Credit Cardholders are not eligible to apply for this introductory offer.
  2. International Travel Insurance, Extended Warranty Insurance, Transit Accident Insurance, Guaranteed Pricing Scheme Insurance and Purchase Cover Insurance 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.
  3. All rewards are subjected to the Terms and Conditions of the Citibank Rewards Program. Cash advances do not earn Reward points.
  4. 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.
  5. Citibank Plus is issued by Citigroup Pty Limited ABN 88 004 325 080, AFSL 238098 ('Citibank'). The Terms and Conditions that apply are available on request. Total balances held by a depositor with Citibank, up to an amount of AUD$250,000, automatically access the Financial Claims Scheme. For more information go to www.apra.gov.au or call 1300 55 88 49. Any advice is general advice only. It was prepared without taking into account your objectives, financial situation, or needs. Before acting on this advice you should consider if it's appropriate for your particular circumstances. Further information and our dispute resolution process is available at www.citibank.com.au or by phone on 1300 137 931.
  6. 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.
  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 - Platinum, 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.
  8. 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.
  9. Exclusive Platinum Visa Entertainment Offers supplied by Visa. Visit www.visaentertainment.com.au for details.

© 2013 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.