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Eligible Transaction:
Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi accounts, bank fees and charges such as interest and ATM charges, transactions made using Points and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). Please note that whether or not a transaction is an Eligible Transaction will be determined based on information provided either by the merchant or the relevant financial institution (including information about the type of business conducted by the merchant). This means that, for example, spend with certain merchants may be characterised as spend with a government related entity and therefore not an Eligible Transaction, even if that merchant is not in fact a government related entity.

Citi Rewards Signature Credit Card

120,000 bonus Points.1
Music to your ears.

  • Earn up to 2 Points for every dollar you spend2
  • Complimentary international travel insurance3
  • Travel in style with complimentary lounge passes4
Citi Rewards Signature Credit Card

Be rewarded with

120,000

bonus Points1

What will you treat yourself to with your welcome bonus?

Be rewarded with 120,000 bonus Points when you spend $4,000 in the first 90 days from approval on the Citi Rewards Signature Credit Card.1 That's currently $550 worth of gift cards to spend in Australia's favourite retailers5, or thousands of air miles with any of our airline partners.6


Points per $1 spent


International Spend

on Eligible TransactionsEligible Transactions2 made overseas or online with a merchant that is based overseas

2 Citi Points


Domestic Spend

on Eligible TransactionsEligible Transactions2 made directly with major: airlines, hotel chains and restaurants in Australia

2 Citi Points


Domestic Spend

on Eligible TransactionsEligible Transactions2 made directly with major: supermarkets, petrol outlets and national retailers

1.5 Citi Points


Domestic Spend

for all other Eligible TransactionsEligible Transactions2 

1 Citi Point






So many ways to treat yourself with your Points
Digital Gift Cards

Digital Gift Cards

Choose from Myer, David Jones, JB Hi-Fi, Bunnings and many more. Digital gift cards are delivered via email and can be used straight away.

Pay with Points

Pay with Points

Treat yourself with your Points. Whether it's your daily coffee or your London hotel booking, you can use your Points to pay for it and receive a statement credit.9

Travel

Travel

Redeem from a range of travel options such as flights, hotels, car hire etc. or simply transfer your Points to airline miles at a participating partner.6

There's plenty to love about a Citi Rewards Signature Credit Card
  • Complimentary International Travel Insurance

    When you purchase your flights with your Citi Rewards Signature Card, it may cover you and your family for International Travel Insurance when travelling overseas for medical expenses, loss or theft of personal items, unexpected trip cancellation and more.3 Terms, conditions, exclusions and limits apply. Find out more.

  • Complimentary lounge passes

    Your complimentary Priority Pass membership can make your next travel experience more enjoyable, with two airport lounge visits yours to enjoy every year.4

  • Enjoy a bottle of wine with our compliments

    Enhance your next dining experience with a complimentary bottle of wine at hundreds of partner restaurants across the country when you pay with your Citi Card.10

  • 0% p.a. on balance transfers for 15 months

    Save on interest payments by transferring any outstanding credit card balances from your non-Citi cards and enjoy 0% p.a. interest for 15 months on the amount transferred (1% BT fee applies, reverts to cash advance rate).11 Please note, no interest free days apply to retail purchases while you have a balance transfer.

  • When you have to spend, spend wisely with a Citi instalment plan

    A Citi instalment plan can make it easier to pay for life’s important purchases. Split big buys into smaller, fixed monthly repayments at a lower interest rate over a range of selected terms.12

  • Discounted $199 annual fee in the first year

    Enjoy the benefits of the Citi Rewards Signature Card at a discounted annual fee of $199 for the first year. Each year after that it's still packed with value at just $395.13

Extra benefits for you

Turn your smartphone into a mobile wallet and experience faster, more convenient ways to pay with Apple Pay14 and Samsung Pay.

Whether you're looking for London restaurant recommendations or tickets to that show you've been wanting to see, give our concierge service a call. Available from anywhere in the world, 24 hours a day, 7 days a week.15

Make the most of special offers just for Citi cardholders with Citi World Privileges. From upgraded hotel rooms and card rentals to online shopping discounts and money off your restaurant bill, there’s something to enjoy wherever you go.16

Linked Diners Club Card

Earn an extra 10,000 bonus Points with a Linked Diners Club Card17

Earn Points faster with a Linked Diners Club Card.7 Simply request a Linked Diners Club Card when you apply and spend on it within 90 days of approval to earn an extra 10,000 bonus Points.17 You will also enjoy:

  • An uncapped earn rate of 2 Points per $1 spent on all Eligible Transactions Eligible Transactions8
  • Points earned will be added to your Rewards Balance
  • No International Transaction Fees when spending overseas18
  • One PIN used across both Visa Credit Card and Linked Diners Club Card, one monthly payment and same online banking login details.

Enjoy all this with no additional fees. Linked Diners Club Cards are accepted at Coles, Woolworths, Bunnings and many more retailers at home and abroad (see a full list of retailers and our FAQ here).

Here's what you'll need to get started

Around 15 minutes to complete the application

Around 15 minutes to complete the application

 

Earn more than $150,000 a year#

Earn more than $75,000 a year

 

Be 18 years or older and an Australian resident

Be 18 years or older and an Australian resident

Things you should know

To access the full Terms and Conditions related to this product, click here.

Fees and charges apply. Credit Criteria apply. New cards customers only and cannot be used in conjunction with any other offers. 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. Terms and conditions apply and are available upon request.

1. To earn 120,000 bonus Citi rewards Points, you must apply for a Citi Rewards Signature Credit Card by 31 January 2020, then spend $4,000 on your Citi Rewards Signature Credit Card within 90 days of approval. Cash Advances, Balance Transfers, Refunds, Chargebacks, Special Promotions and spend on a Linked Diners Club Card do not contribute to the spend threshold. The bonus Citi rewards Points will be credited within 6 - 8 weeks of meeting the spend criteria. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. Points do not expire while the card remains open and in good standing. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. This offer is valid until 31 January 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

2. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. The Citi Rewards Signature Credit Card earns 2 Points per $1 on eligible International Spend and for selected purchases made and booked directly from a range of major restaurants and restaurant chains, major hotel chains, major travel agencies, major travel aggregators and flights directly booked with major airlines. 1.5 Points per $1 for selected purchases made at major petrol outlets, major supermarkets and major national retailers. 1 Point per $1 spent everywhere else on Eligible Transactions. Domestic Spend and International Spend means any Eligible Transaction made with a merchant who respectively tells us they are located within Australia or outside Australia. Please click hereclick here for the full definition of Eligible Transactions. Please note purchases not ordered or booked directly from the restaurant (e.g. through a delivery company) are not included in the higher earn rate. Please note that whether or not a purchase is eligible to earn Points and how many (e.g. whether the merchant is a "major restaurant") will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). If, for example, a restaurant is not classified as a restaurant by the card scheme, it will not be treated as a "major restaurant" for calculating Points. Points do not expire while the card remains open and in good standing.

3. Complimentary insurance covers are subject to eligibility requirements : AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 of Level 16, 310 Ann Street, Brisbane, QLD 4000 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street, Sydney NSW 2000 has issued an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) of 2-26 Park Street, Sydney NSW 2000 which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Insurance Terms and Conditions which may be amended from time to time. Citi does not guarantee this insurance.

4. One complimentary Priority Pass™ Standard Membership, with two complimentary lounge visits, for the primary cardholder is a Special Feature of the Citi Rewards Signature Credit Card. Citi Rewards Signature Credit Cardholders must enrol for the Priority Pass Standard Membership at www.prioritypass.com/citibankaus. 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 to two at the beginning of each membership year while you remain a Citi Rewards Signature Credit Cardholder. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass is currently available at Cairns, Darwin and Brisbane International Airports and Sydney Kingsford Smith. For the full list of up to date airport lounges and Priority Pass™ and Conditions of Use please refer to www.prioritypass.com.

5. Gift cards are only redeemable using Points via www.citirewards.com. The number of Points required to redeem gift cards may vary at the time of redemption. Gift cards are non-reloadable or redeemable for cash. Information accurate as of 9 May 2019.

6. You must be a member of the airline and hotel loyalty programs in which you wish to claim airline and hotel loyalty points and have advised us of your airline and hotel loyalty program membership number prior to any such redemption. Membership of an airline and hotel loyalty program will be subject to the terms and conditions of that program. Airline Loyalty Points may take up to 28 business days to appear in your Airline Loyalty Program membership account.

7. Separate Diners Club Terms and Conditions apply to a Linked Diners Club Card as it is a separate credit facility from Diners Club that is paid through your Citi Credit Card. Eligibility criteria apply including that you must be approved for an account that is eligible for a Linked Diners Club Card. Diners Club has appointed Citi to administer the Linked Diners Club Card. Any credit balance on the Linked Diners Club Card is not a deposit liability of Citi, or any other affiliate of Citi, is not a protected account and is not guaranteed.

8. All rewards on your Linked Diners Club Card are subject to the Terms and Conditions of the Citibank Rewards Program and the Linked Diners Club Card Extra Terms Part 3. Eligible Transaction is defined in the Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, government related transactions and all other transactions set out within the definition. Please click hereclick here for the full definition of Eligible Transactions. Points do not expire while the card remains open and in good standing.

9. Pay with Points is available on eligible purchases. An eligible purchase means an Eligible Transaction that you use Pay with Points within 60 days of the Transaction Date. Eligible Transaction is defined in the Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, government related transactions and all other transactions set out within the definitiondefinition.

10. Conditions apply. Visit citibank.com.au/dine.

11. 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 the balance transfer fee for a period of 15 months. The balance transfer fee of 1% is charged once, is calculated on the amount transferred and is added to your balance transfer amount at the time Citi processes your request. The 15 month promotional period commences once the 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. (22.24% p.a. effective 1 October 2019). This offer excludes balances transferred from Citibank unsecured credit products. Please note you are not entitled to any interest free days on retail purchases whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. For important information to consider before taking up a balance transfer, please click here. This offer is valid until 31 January 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

12. Citi instalment plans are defined in the Credit Card T&Cs as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing. Your Fixed Payment Option uses part of your existing credit limit. As you pay off your Fixed Payment Option, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. For the full terms and conditions of your Fixed Payment Option, please refer to the Credit Card Terms and Conditions and Other Important Information.

13. 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 whilst the account remains open. This offer is valid until 31 January 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

14. Apple Pay works with iPhone 6 and later in stores, in selected apps, and on participating websites in Safari; with Apple Watch in stores and selected apps (requires iPhone 6 or later); with iPad Pro, iPad (5th generation), iPad Air 2, and iPad mini 3 and later in selected apps and on participating websites in Safari; and with Mac (2012 or later) on participating websites in Safari with an Apple Pay–enabled iPhone or Apple Watch. For a list of compatible Apple Pay devices, see support.apple.com/en-au/km207105. You can use Apple Pay in stores/merchants wherever NFC contactless payment is accepted. For certain merchant terminals, a transaction limit may apply. You can also make in-app purchases and websites in Safari where Apple Pay is available as a payment option. Terms and conditions apply to the use of Apple Pay. Apple, the Apple logo, Apple Pay, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.

15. Concierge Services is a complimentary service available to the Primary Cardholder of a Citi Rewards Signature Credit Card. Refer to the Terms and Conditions of the Citibank Rewards Program. Concierge Services provided by Aspire Lifestyles (Australia) Pty Ltd.

16. 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 www.citiworldprivileges.com/au/ for up-to-date offer details.

17. To earn 10,000 bonus Points, you must request a Linked Diners Club Card during your application process and then make your first spend on the Linked Diners Club Card within the first 90 days from the card approval. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. The bonus Points will be credited within 6 - 8 weeks of meeting the spend criteria. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program and the Linked Diners Club Card Extra Terms Part 3. This offer is valid until 31 January 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

18. No International Transaction Fee is only applicable for transactions made on your Linked Diners Club Card; including on the No International Transaction Fee is only applicable for transactions made on your Linked Diners Club Card; including on the amounts transferred to your Citi Credit Card. If you make an international transaction using your Citi Credit Card, an International Transaction Fee will be charged (where applicable).

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