We're starting to make changes to our website to help improve your browsing experience. This is one of our new pages - please continue browsing as normal. Citi cookies policy - you'll only see this message once. Citi uses cookies on this website. They help us understand how you use our website, which helps us improve the browsing experience - both for you and others. Cookies are stored locally on your computer or mobile device. To accept cookies continue browsing as normal, or see our cookies policy for more information.

Citi Australia

Latest News

How much should I have in savings?

How much should I have in savings?

Savings per month by generation in Australia.

Learn more
Earn up to 3 points per $1 Spent2
150,000 bonus reward Points1
Complimentary airport transfers3 & unlimited lounge access4

About the Citi Rewards Prestige Credit Card

Apply for the Citi Prestige Credit Card today and receive 150,000 bonus reward Points on your card when you spend $3,000 within 90 days of card approval1.

Earn up to 3 points per $1 spent2, plus enjoy unlimited lounge access for you and a guest with a complimentary Priority Pass4. You can also take advantage of one free night per year at one of our premium hotel partners around the world5.

Rewards and benefits

Rewards

Redeem reward Points for travel, gift cards, cash back, merchandise and more.

Plus, enjoy the flexibility of transferring points for a range of airline and hotel partners including Asia MilesTM, Virgin Australia Velocity, Singapore Airlines KrisFlyer and Emirates Skywards6.


Uncapped earn rates2:

  • 3 Points per dollar

    For all eligible International Spend

  • 3 Points per dollar

    For selected domestic purchases made and booked directly from a range of major: restaurants and restaurant chains, hotel chains and airlines (flights only)

  • 2 Points per dollar

    For selected domestic purchases made at major: petrol outlets, supermarkets and national retailers

  • 1 Point per dollar spent

    Everywhere else on domestic Eligible Transactions

Exclusive travel benefits

Arrive in style with a complimentary one-way transfer to or from selected airports twice per year in the Asia Pacific3. Plus enjoy unlimited airport lounge access for you and a guest with a complimentary Priority Pass4. www.prioritypass.com.

Complimentary nights with our premium hotel partners around the world

Enjoy a little luxury with a complimentary night at one of our premium hotel partners around the world5. Plus, take the opportunity to extend your trip with a complimentary extra night at any hotel worldwide when you stay for four consecutive nights7.

Dedicated service is yours

No time to plan rewarding moments? Let your personal concierge lend a helping hand. From recommending a restaurant in New York, to booking theatre tickets at home, they can assist you from anywhere in the world, 24 hours a day, 7 days a week. Call us on the Citi Prestige Priority numbers: 1800 782 9481800 782 948 or +61 2 8225 0042+61 2 8225 0042 (chargeable) if calling from overseas.

Citigold

Access to expert wealth management advice from a Citigold Relationship Manager8.

Complimentary travel insurance

Ensure you're covered whatever opportunity you pursue with complimentary cover including International Travel Insurance, Purchase Cover Insurance and Extended Warranty9. Find out more here.

Enjoy a free bottle of wine, on us

Receive a free 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 Program10.

Opportunity awaits

Tee off around the world with three complimentary green fees at participating golf clubs each year11 and get exclusive access to some of the most sought-after events in Australia before they're released to the general public with Visa Front Line Access12.

Want more rewarding opportunities?

Then access these amazing offers at home or across the globe. Whether dining, shopping or local experiences, there is something there for you.

Visit www.citiworldprivileges.com/au for the latest offer details13.

Rates and Fees

Balance transfer rate

0% p.a. for 6 months14. Cash advance rate after 6 months.

Annual fee

$70015

Additional cardholder fee

$0. 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 44 days interest-free16

Maximum credit limit

$100,000#

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.

Security

Emergency card and cash

Think your Citi Prestige card has been lost or stolen? We'll arrange for emergency cash to be sent to your current location and cancel your card. We'll also arrange to have a new card delivered to you within two working days.

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 Insurance9

Purchase your overseas travel tickets with your Prestige 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 Insurance9

Purchase your overseas travel tickets with your Prestige 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 Interstate Flight Inconvenience Insurance9

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

Complimentary Purchase Cover Insurance9

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

Complimentary Extended Warranty Insurance9

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

Complimentary Guaranteed Pricing Scheme9

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 Prestige card with Samsung Pay to make purchases on the go. Learn more about Samsung 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 $150,000 a year

Be 18 years or older and an Australian resident

Not quite what you are looking for?

FAQs

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.

#Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $150,000 per year and your credit rating.

  1. To earn 150,000 bonus Citi Rewards Points, you must apply for a Citi Prestige credit card by 31 January 2018, then spend $3,000 on your card within 90 days of approval. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions 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. 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. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. The Citi Prestige Credit Card earns 3 Points per $1 for selected purchases made and booked directly from a range of major restaurants and restaurant chains, major hotel chains and flights directly booked with major airlines. 2 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. 3 Points per $1 spent on eligible International Spend. 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 here for the full definition of Eligible Transactions. Please note purchases not ordered or booked directly from the restaurant, hotel or airline (e.g. through a delivery company, travel agent, or aggregation site) 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.
  3. Luxury Airport Transfer Service is a special feature of the Citi Prestige Credit Card. Each Citi Prestige cardholder is entitled to one complimentary one-way airport transfer service per itinerary. This is capped at two redemptions per calendar year per card. Luxury airport transfer services will only be available for the primary cardholder, and will incur additional charges for extra stops, cancellation/amendment fees and waiting time charges, which will all be borne by the cardholder in USD. Luxury airport transfer imposes limits on the number of passengers per car and/or the number of luggage per passenger. This service is limited to a maximum of 2 large suitcases and 4 passengers per car. All booking is subject to availability. Booking for the services must be made at least 72 hours prior to commencement of travel. Available for trips to and from the airports at selected airports in the Asia Pacific region only. Luxury airport transfer services have a complimentary transfer allowance limit, which is based on driven kilometres in each city. Kilometre limits vary from city to city. Any excess charges beyond the complimentary kilometre allowance will be advised to cardholder upon confirmation of the booking. All charges must be made on Citi Prestige card and will be in USD. Please refer to full Terms and Conditions.
  4. One complimentary Priority Pass™ Membership, with unlimited lounge visits, for the primary cardholder is a Special Feature of the Citi Prestige Credit Card. Citi Prestige Credit Card cardholders must enrol for the Priority Pass Standard Membership at prioritypass.com/citibankaus. The primary cardholder may bring one guest per visit. Any additional guests will be charged directly by the lounge. 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 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™ Conditions of Use please refer to www.prioritypass.com.
  5. Complimentary Hotel Stay is a Special Feature of the Citi Prestige Credit Card. Complimentary Hotel Stay Benefits available to Citi Prestige primary cardholders once (per account) in every calendar year. Bookings must be made and used only in that calendar year. Unused complimentary hotel stay will be forfeited on the 31st December of each calendar year and cannot be carried forward to the next year. In order to receive the Complimentary Hotel Stay Benefit you must maintain your account in good standing, including (without limitation) by paying at least the minimum due on the most recent card statement by the due date. Booking for the services must be made at least 48 hours prior to commencement of stay. Complimentary Hotel Stay Benefit is subject to availability. Complimentary Hotel Stay Benefit is based on the room category listed with the hotel with a maximum of two people allowed per room. Any different bedding configurations and room upgrades must be paid by the cardholder. Please refer to full Terms and Conditions.
  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.
  7. Free Nights Program is a Special Feature of the Citi Prestige Credit Card. Valid for Citi Prestige primary cardholders only. A minimum of 4 consecutive nights' stay is required in order to enjoy one night on a complimentary basis. The maximum complimentary night’s stay is one and all other nights will be borne at the cardholder’s cost. There are no credits for any unused free nights if the guest checks out early. Only one complimentary night is allowed per Citi Prestige primary cardholder per room per booking. Complimentary night has no refund value. To qualify for the complimentary night, booking for the services must be made at least 48 hours prior to commencement of stay, and the cardholder who booked the stays must be one of the paying guests. Complimentary night must be utilized during the same stay as the purchased nights; purchased and complimentary nights must be of the same room types. Back-to-back stays are not allowed. Back-to-back stays are stays at the same city/state booked on two reservations (as an example, you book four nights at a hotel on one; reservation for Monday, Tuesday, Wednesday and Thursday and book another four nights on another reservation for Friday, Saturday, Sunday and Monday. In this situation, you would only be eligible for one complimentary night for the 8 nights stay). Please refer to full Terms and Conditions.
  8. Available to the Citi Prestige primary cardholder for investments greater than $250,000 and only from a Citi Relationship Manager.
  9. 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.
  10. Conditions apply. Visit citibank.com.au/dine.
  11. Golf Privileges are a Special Feature of the Citi Prestige Credit Card. Three (3) complimentary green fees for Citi Prestige Visa primary cardholders at participating golf clubs per calendar year. Offer is fully subsidized by Visa and not a direct offer from the golf clubs. Offer is valid for Citi Prestige primary cardholders only with cards issued within Asia Pacific. Citi Prestige Visa primary cardholders are entitled to book and play for a maximum of 3 times per calendar year. Maximum 3 Citi Prestige primary cardholders are allowed to use the complimentary green fee per flight. Bookings cannot be made less than 5 calendar days and more than 14 calendar days in advance before day of tee-off. Note that day of tee-off does not count. Citi Prestige Visa cardholders must follow the terms and conditions of booking set out in the full Terms and Conditions.
  12. Visa Front Line Access supplied by Visa. Visit www.visaplatinum.com.au for details.
  13. 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 https://www.citiworldprivileges.com/au for up-to-date offer details.
  14. 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. The 6 month promotional period commences once balance transfer is processed. 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. 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.
  15. Subject to your acceptance you will be billed an annual fee of $700.
  16. The maximum 44 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 44 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.

MoreLess

Important Changes

From 15 June 2017, the rate at which the Citi Prestige Rewards Card will earn Points will change:

  • The current earn rate of 2 Points for Domestic Spend will be removed and replaced with a tiered earn rate based on spend categories; and
  • Points earn on International Spend will decrease from 5 Points per $1 spent to 3 Points per $1

The new earn rate is outlined below:

Card type

Citi Prestige Rewards Card

Domestic Spend earn rate*
  • 3 Points per $1 for selected purchases made at a range of major restaurants and restaurant chains, major hotel chains and flights directly booked with major airlines
  • 2 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
International Spend earn rate*

3 Points per $1 spent on eligible International Spend

Card type

Domestic Spend earn rate*

International Spend earn rate*

Citi Prestige Rewards Card

  • 3 Points per $1 for selected purchases made at a range of major restaurants and restaurant chains, major hotel chains and flights directly booked with major airlines
  • 2 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

3 Points per $1 spent on eligible International Spend

* 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.

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 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). 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.