Enjoy 75,000 Reward Points
on your first spend1.

Rethink banking.

Enjoy 75,000 Reward Points on your first spend¹. Rethink banking.

Citibank Rewards Credit Card - Signature

The Signature card.

Apply for the Citi Rewards Signature Credit Card today and receive 75,000 points on your first spend within 90 days from card approval1 – that's equivalent to $400 worth of Myer gift cards! You will also receive a reduced $199 annual fee in the first year (normally $395 per year)4 and 0% p.a. for 6 months on balance transfers3 (reverts to cash rate).

Take advantage of:

  • The Citi Rewards Program2:
    • Earn 1.5 rewards points per $1 spent on all eligible domestic purchases, up to $20,000 per statement period
    • Earn 1.5 rewards points per $1 spent internationally (uncapped). Calculate the Rewards Points you could earn
  • Complimentary Priority Pass™ Membership and two airport lounge visits per year8
  • A range of complimentary insurances including International Travel Insurance and Interstate Flight Inconvenience Insurance10. Find out more
  • Discounted Airport Meet & Assist service11
  • Free wine every time you dine with the Citibank Dining Program.5
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 6 months3. Cash advance rate after
6 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-free12
Maximum Credit Limit

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

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 $395)4.
Additional cardholder fee $0
Minimum Income Requirement $75,000
Minimum Age 18
Additional Cardholders Up to 4
Additional Cardholder Minimum Age 16
  • 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.

  • 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.


Citi Rewards

Citibank Dining Program Free wine every time you dine with the Citibank Dining Program5
Complimentary Rewards Program2

Enjoy Complimentary access to a superior Rewards program with Reward points that don't expire while the card remains open.

  • Domestic: 1.5 rewards points per $1 spent (up to $20,000 per statement period)2
  • International: 1.5 rewards points per $1 spent (uncapped)2
Citi Travel Centre6 Yes
Voucher, Gift Certificates & Merchandise Rewards Yes
Cash Back Rewards2 Yes


Visa SpeedPass' Meet and Assist service11

For more information click here

15% discount to help you fast track immigration services
Citi World Privileges9

Terms and conditions apply. Refer to for up-to-date offer details.

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 Signature you can use the Personal Concierge from anywhere in the world, available to you 24 hours day, 7 days a week.

Yes, please call 1800 818 008
Special Offers & Discounts7 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.


Digital Signature No

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.


Peace of mind

Complimentary Interstate Flight Inconvenience10

Purchase your travel tickets with your Signature card and you may be covered for events like flight delays, cancellations, baggage delays and personal item damage.

Complimentary International Travel Insurance10

Purchase your overseas travel tickets with your Signature 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.

Complimentary Transit Accident Insurance10

Purchase your overseas travel tickets with your Signature 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.

Complimentary Purchase Cover Insurance10

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

Complimentary Extended Warranty Insurance10

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

Complimentary Guaranteed Pricing Scheme10

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.

Emergency card replacement Yes
24/7 Customer Service Yes
Optional Credit Account Insurance 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.

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 $75,000 per year and your credit rating.

  1. You will earn 75,000 Citi Reward Points when you spend on your card within 90 days of card approval. Cash advances, balance transfers and special promotions are excluded from this offer. Offer ends 30 April 2017. Offer may be extended. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. Citi Reward Points never expire as long as your account remains open. Bonus Reward Points will ordinarily be credited within 2 weeks of meeting spend criteria.
  2. All rewards are subjected to the Terms and Conditions of the Citibank Rewards Program. Cash advances do not earn Reward Points. Different Reward Points earn rates apply to cardholders who enrol in airline frequent flyer direct earn rewards programs.
  3. 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 6 months. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for cash advances, currently 21.74% p.a. Offer ends 30 April 2017. Offer may be extended.
  4. 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.
  5. Conditions apply. Visit
  6. 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
  7. Signature cardholders receive exclusive access to unique events. Each event will be subject to separate terms and conditions.
  8. One complimentary Priority Pass™ Standard Membership, with two complimentary lounge visits, for the primary cardholder is a special feature of the Signature card. Signature cardholders must enrol for the Priority Pass Standard Membership at 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 two at the beginning of each membership year while you remain a Signature cardholder.
  9. 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 for up-to-date offer details.
  10. 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

    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
  11. Signature cardholders receive a 15% discount on the retail price of Visa SpeedPass' Meet and Assist service. Visit to book and to view the terms and conditions that apply.
  12. 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.

© 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.