4.9% p.a.^ø on the life of balance transfers^†

Transfer your outstanding balances from other credit or store cards and you'll enjoy a low 4.9% p.a.^ø until you have paid off the entire balance^†

Generous credit limit up to $7,000^#

Citibank Silver gives you a higher credit limit so you have the purchasing power and flexibility you need.

FREE Rewards Programme⁺

Enjoy FREE access to a superior Rewards Programme. Earn 1 Reward point for every $1 you spend.

Up to 55 Days Interest-Free

Enjoy up to 55 days interest-free on purchases.

Qantas Frequent Flyer Points^

Redeem Reward points for Qantas Frequent Flyer points at a rate of 1 Reward point for 1 Qantas Frequent Flyer point.

Fly any airline, anytime with Citibank Take Flight^®!

Simply redeem your Reward points directly to pay for flights. You can choose discounted fares and redeem fewer points, or top up with cash to fly sooner¹. You could redeem your points today and fly tomorrow!

PhotoCard Security

Allows you to personalise your Card as an extra safeguard against unauthorised use.

Apply now and receive a response within 60 seconds

Other features that a Citibank Silver Card provides

Citibank World Privileges

It's your passport to exclusive upgrades, benefits and discounts at thousands of hotels, restaurants, shops and services worldwide. With everything from glorious weekends away to sumptuous dinners in Australia's finest restaurants, you'll find something to tempt you.

Purchase Cover²

Provides insurance for most new purchases on your Citibank Credit Card. If any items are lost, stolen or damaged within three months of purchase, we'll arrange for them to be repaired, replaced, rebuilt or reinstated, free of charge, anywhere in the world.

FRAUDSHIELD^®

Monitoring to warn against irregular spending.

Optional CreditShield^® Plus Insurance³

If you are unable to work due to illness, accident or unemployment, CreditShield^® Plus will cover your minimum monthly repayments. In the event of death or total disablement CreditShield^® Plus will pay off your outstanding balance up to $20,000.

Worldwide Acceptance

Worldwide acceptance at over 22 million locations

Worldwide Customer Service

Worldwide personal customer service 24 hours a day, 7 days a week

Annual Fee

$69

ø Citibank Credit Cards are currently offering an introductory rate of 4.9% forever on balances you transfer. Fees and charges apply. Terms and conditions apply.
† Balances transferred are repaid before other cash advances and retail purchases. Transactions made other than with this offer will be subject to interest at Citibank's standard Silver, Gold & Platinum credit card rate, currently 19.85%p.a.
# Actual credit limit will be based on Citibank credit criteria.
+ All Rewards are subject to the Terms and Conditions of the Citibank Rewards Programme. Cash advances do not earn Reward points. Reward points never expire while the card remains open.
^ A Citibank Credit Cardholder must be a member of the Qantas Frequent Flyer program to redeem Reward points for Qantas Frequent Flyer (QFF) points. A joining fee applies. Membership of the QFF program is subject to Qantas Frequent Flyer Terms and Conditions. QFF members can redeem Reward points at a rate of 1 Reward point for 1 QFF point. All redemption requests must be in blocks of 10,000 Reward points.
1 Minimum of 3,000 Reward points must be used when booking. Please allow 1 business day for points to be redeemed. Once points are redeemed the booking cannot be cancelled. Flights are subject to airline schedules, routes and availability. A Service Fee may apply.
2 Purchase Cover is underwritten by Zurich Australia Insurance Ltd (ABN 13 000 296 640 AFSL No. 232507) and is subject to the Terms and Conditions and exclusions contained in the Policy of Insurance. Please refer to the Terms and Conditions sent to you at card opening for a full explanation of cover and exclusions.
3 CreditShield^® is underwritten by MetLife Insurance Ltd (ABN 75 004 274 882 AFSL No. 238096) and is subject to the Terms and Conditions and exclusions contained in the Policy of Insurance.