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Citi Australia

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How much should I have in savings?

How much should I have in savings?

Savings per month by generation in Australia.

Learn more
0% p.a. for 24 months on balance transfers (1.5% BT fee applies)1 - reverts to cash advance rate
Spend points however you like, including offsetting eligible purchases with Select and Credit2
International Travel Insurance on us, making it easier to say yes3

About the Citi Rewards Platinum Credit Card

With 24 months interest free on balance transfers (one off 1.5% BT fee applies, reverts to cash advance rate)1 and a rewards program that lets you offset eligible purchases with points2, say yes to life’s opportunities with confidence. Enjoy all this and more for a reduced annual fee of $49 for the first year4 (reverts to a discounted annual fee of $149 thereafter).

Rewards and benefits

Earn points when you spend5

  • 1 Point per dollar

    For eligible Domestic spend
    (up to $10, 000 per statement period)

  • 1 Point per dollar

    For eligible International Spend (uncapped)

Spend points the way you want

Redeem them for eligible purchases with Select and Credit and receive a statement credit back on your account2 or convert them to cashback6
Turn them into frequent flyer miles including Emirates Skyward miles, Velocity frequent flyer and Singapore Airlines KrisFlyer7
Redeem rewards in the Citi Rewards Store including gift cards, electronics, homewares and more


Complimentary cover

Say yes with confidence knowing you have complimentary cover such as International Travel Insurance, Purchase Cover Insurance and Extended Warranty Insurance3. Find out more here.

The hottest tickets before anyone else

Get your hands on some of the hottest tickets in town before they’re released to the general public with Visa Front Line Access8.

Free wine when you dine

Receive a complimentary bottle of wine on us every time you dine at hundreds of partner restaurants and pay with your Citi card, thanks to the Citibank Dining Program9.

Personal Concierge Service7

No time to plan your next adventure? Let your personal concierge help you out. From suggesting a brewery in Brooklyn, to booking concert tickets in Melbourne, they can assist you from anywhere in the world, 24 hours a day, 7 days a week. Simply call 1800 818 008.

Rewards the world over

Want even more rewarding opportunities? We have you sorted, with a range of exclusive offers available at home or around the world. With deals on dining, shopping and local experiences, you’ll be sure to find something to say yes to10.

Rates and Fees

Balance transfer rate

0% p.a. for 24 months (1.5% BT fee applies)1. Cash advance rate after 24 months.

Annual fee

$49 annual fee in the first year, reverting to a discounted annual fee of $149 thereafter4

Additional cardholder fee

$90. You may have up to four (4) additional cardholders, who must be 16 years or older.

Retail purchase rate

20.99% p.a.

Cash advance rate

21.74% p.a.

Interest free period

Up to 55 days interest-free11

Maximum credit limit


There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be viewed at the Citi fees and charges page.


Emergency card replacement

24/7 customer service if your card is lost or stolen.

Fraud protection

Fraudshield® detects irregular transactions on your account, and Citi's 2 Way SMS Alerts 24/7 service allows us to immediately alert you via text message of any credit card transactions deemed to be suspicious, and enables you to confirm instantly whether a transaction is genuine or fraudulent.

Visit Online Security at Citi for more information and to ensure you have provided us with your current mobile phone number to benefit from this service.

Complimentary International Travel Insurance3

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.

Complimentary Transit Accident Insurance3

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.

Complimentary Purchase Cover Insurance3

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.

Complimentary Extended Warranty Insurance3

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

Complimentary Guaranteed Pricing Scheme3

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.

Read more about our insurance products.

You may choose to take out optional credit insurance. Learn more about credit insurance here.

Using your card

Accessing your account

Manage your finances when and where you want with:

  • Citibank Online
  • The Citi Mobile® Banking App
  • CitiPhone Banking

Visa credit cards have worldwide acceptance at 40 million locations.

Contactless payments

With Visa payWave, make payments under $100 quickly and securely by tapping your credit card – there's no need for a signature or pin.

Samsung Pay

Use your Platinum card with Samsung Pay to make purchases on the go. Learn more about Samsung Pay

Citi PaySM

Turn your AndroidTM smartphone into a mobile wallet and experience a faster, more convenient way to pay. Find out more about Citi Pay.

Receiving your statements

You will receive your statements monthly, either online via e-statements or by mail.

Here's what you'll need to apply

Apply now

Around 15 minutes to complete the application

Earn more than $35,000 a year

Be 18 years or older and an Australian resident

Not quite what you are looking for?


What information do I need to apply?

Having the following information ready will make it quicker for you to complete your application.

  • Details about your employment (e.g. employment status, employer's contact details, time with employer in years and months)
  • If you are self-employed, your accountant's name, name of their accounting firm, and contact phone number
  • Gross income and monthly expenses
  • For balance transfers, name on account, type of card/account, card/account number, amount being transferred and the issuing organisation's name and address

For further information, visit our How to Apply page

What does the Citi Mobile® Banking App offer?

With Citi's Mobile® App, you're in control of your finances even on the move. Our One-Time PIN mobile banking security feature means you'll always have peace of mind when banking online.

Features include:

  • Instantly activate your credit card
  • Check your balance and a real-time display of your credit card transactions
  • Receive account alerts as push notifications
  • iPhone users can sign in using their fingerprint with Touch ID Sensor
  • Find and book Citibank Dining Program partner restaurants
View all FAQs

Important information

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

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 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 $35,000 per year and your credit rating.

  1. 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 24 months. The 24 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. This offer is valid until 31 January 2018. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.
  2. Select and Credit is available on eligible purchases. An eligible purchase means an Eligible Transaction that you Select and Credit 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 definition.
  3. 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.

  4. Subject to your acceptance you will be billed an annual fee of $49 in the first year. This will revert to a discounted annual fee, of $149, in subsequent years whilst the account remains open. For additional cardholders an annual fee also applies, currently $90 per card. This offer is valid until 31 January 2018. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.
  5. All rewards are subject to the Terms and Conditions of the Citi Rewards Program. 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. 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.
  6. All rewards are subject to the Terms and Conditions of the Citi Rewards Program. You must redeem a minimum of 5,000 Points for any Cashback claim. A Cashback Reward is not allocated to repay a specific transaction. The Cashback amount will be credited to your account within 28 days of the purchase date. Please note that a Cashback Reward does not satisfy your obligation to make the Payment Due on your statement as you must make all payments as set out in your Account Terms and Conditions
  7. 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.
  8. Exclusive Platinum Visa Entertainment Offers supplied by Visa. Visit https://www.visaplatinum.com.au/Register/Subscribe for details.
  9. Conditions apply. Visit citibank.com.au/dine
  10. 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.
  11. 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.

© 2017 Citigroup Pty Limited. All rights reserved. ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.


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.