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 Platinum Credit Card

0% p.a. for 24 months on balance transfers1.

(1.5% BT fee applies)

Citi Rewards Platinum Credit Card 0% p.a. for 24 months on balance transfers¹. (1.5% BT fee applies)

Citi Rewards Platinum Credit Card

Enjoy more with the Citi Rewards Platinum Card

Get your life moving again with the Citi Rewards Platinum Credit Card. Start saving with a balance transfer of 0% p.a. for 24 months on balance transfers1 with a 1.5% BT fee (reverts to the cash advance rate)

Rewards and benefits:

  • 1 Citi Reward Points per $1 spent on eligible Domestic Spend in Australia (up to $10,000 per statement period) and 1 point per $1 spent on eligible International Spend (uncapped)2.
  • A reduced annual fee of $49 in the first year, reverting to a discounted annual fee of $149 thereafter3.
  • Complimentary International Travel Insurance, Purchase Cover Insurance and more4.
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 24 months (1.5% BT fee applies)1. Reverts to cash advance rate after 24 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 free5
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.

$49 annual fee in the first year, reverting to a discounted annual fee of $149 thereafter3.

Additional Cardholder Fee $90
Card Type Visa
Minimum Income Requirement $35,000
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 Program10
Citi Travel Centre6 Your ticket to a world of rewards. Use your Citi Rewards Points to book flights, hotels, rental cars and access a range of holiday packages - from international travel to weekends away. Find out more about Citi Rewards
Voucher, Gift Certificates & Merchandise Rewards Yes
Cash Back Rewards2 Yes


Citi World Privileges7 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 Platinum you can use the Personal Concierge from anywhere in the world, available to you 24 hours a 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 Deals8 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
Special Offers & Discounts9 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.



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 Transit Accident Insurance4

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 Insurance4

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 Insurance4

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

Complimentary Guaranteed Pricing Scheme4

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.

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 and cannot be used in conjunction with any other offer.

#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. 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. Offer ends 31 July 2017. Offer may be extended.
  2. 2. 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. 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.
  3. 3. 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. For additional cardholders an annual fee also applies, currently $90 per card.
  4. 4. 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
  5. 5. 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 when you have Balance Transfers.
  6. 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. 7. Payment must be made using a Citi 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 for up-to-date offer details.
  8. 8. Exclusive Platinum Visa Entertainment Offers supplied by Visa. Visit for details.
  9. 9. Platinum cardholders receive exclusive access to unique events. Each event will be subject to separate terms and conditions.
  10. 10. Conditions apply. Visit

© 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.