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How much should I have in savings?

Savings per month by generation in Australia.

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Our Credit Cards

Find the credit card that’s right for you. Whether you’re looking for a credit card with travel and rewards benefits, a balance transfer, a low interest rate or no fees, you’ll find it at Citi.

Citi Platinum (Balance Transfer Offer)

Citi Platinum (Balance Transfer Offer)

Citi Platinum (Bonus Rewards Offer)

Citi Platinum (Bonus Rewards Offer)

Citi Signature

Citi Signature

Citi Classic

Citi Classic

Citi Simplicity

Citi Simplicity®

Citi Qantas Signature

Citi Qantas Signature

Emirates Citi World Mastercard®

Emirates Citi World Mastercard®

Citi Prestige

Citi Prestige

Citi Qantas Prestige

Citi Qantas Prestige

Citi Clear Platinum

Citi Clear Platinum

Citi Platinum (Balance Transfer Offer)

Citi Platinum (Balance Transfer Offer)

0

% p.a.

24

months

on balance transfers.
(1.5% BT fee applies)

$149

$49

annual fee first year

Citi Platinum (Balance Transfer Offer)

With 24 months interest free on balance transfers (1.5% BT fee applies) - reverts to cash advance rate and a rewards program that lets you offset eligible purchases with points, say yes to life’s opportunities with confidence.

Citi Platinum (Bonus Rewards Offer)

Citi Platinum (Bonus Rewards Offer)

0

% p.a.

15

months

on balance transfers.
(1% BT fee applies)

$149

$49

annual fee first year

Citi Platinum (Bonus Rewards Offer)

100,000 bonus Citi reward Points

With 100,000 bonus Citi reward Points when you spend $3,000 on your card within 90 days of approval plus 15 months interest free on balance transfers (1% BT fee applies) - reverts to cash advance rate, say yes to life's opportunities with confidence.

Citi Signature

Citi Signature

0

% p.a.

15

months

on balance transfers.
(1% BT fee applies)

$395

$199

annual fee first year

Citi Signature

120,000 bonus Citi reward Points

Make the most of opportunities that mean the most to you with 120,000 bonus reward Points when you spend $3,000 within 90 days of card approval.

Citi Classic

Citi Classic

0

% p.a.

15

months

on balance transfers.
(1% BT fee applies)

$99

$49

annual fee first year

Citi Classic

0% p.a. for 15 months on balance transfers (1.5% BT fee applies) - reverts to cash advance rate. Plus, earn Citi reward Points.

Citi Simplicity®

Citi Simplicity

0

% p.a.

15

months

on balance transfers.

$0

annual fee

Citi Simplicity®

No late fees ever

No late fees. No annual fee. Never ever. Plus, save with 0% p.a. for 15 months on balance transfers (1.5% BT fee applies) - reverts to cash advance rate.

Citi Qantas Signature

Citi Qantas Signature
$395

$199

annual fee first year plus $49 annual fee for Citi Qantas Rewards Program

Citi Qantas Signature

Unlock 50,000 bonus Qantas Points

Earn the rewards that mean the most to you with up to 1 Qantas Point per $1 spent. Plus, earn 50,000 bonus Qantas Points when you spend $2,000 within 90 days of card approval.

Emirates Citi World Mastercard®

Emirates Citi World Mastercard®
$299

$149

annual fee first year

Emirates Citi World Mastercard®

The perfect companion for every world traveller. Enjoy up to 60,000 Skywards Miles (spend criteria apply), and access to premium travel rewards and benefits.

Citi Prestige

Citi Prestige

$700

annual fee

Citi Prestige

150,000 bonus Citi reward Points

Opportunity is yours with exclusive benefits and rewards, flexible airline points transfer options and 150,000 bonus reward Points when you spend $3,000 within 90 days of card approval.

Citi Qantas Prestige

Citi Qantas Prestige

$700

annual fee plus $49 annual fee for Citi Qantas Rewards Program

Citi Qantas Prestige

70,000 bonus Qantas Points

Seize life’s opportunities. Earn unlimited Qantas Points and enjoy exclusive travel benefits. Plus, receive 70,000 bonus Qantas points on your first spend within 90 days.

Citi Clear Platinum

Citi Clear Platinum

$99

annual fee

Citi Clear Platinum

Start saving on interest with our low rate card. Enjoy a low 14.99% p.a. on retail purchases.

Card categories

Travel and Rewards Cards

Travel and Rewards Cards

Discover credit cards that will earn you reward points on your everyday purchases.

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Balance Transfer Cards

Balance Transfer Cards

Get on top of things with our balance transfer credit card offers.

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Premium Cards

Premium Cards

Experience the unforgettable with premium travel benefits and a higher reward points earning potential.

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Low Rate Card

Low Rate Card

A low interest rate credit card can help you start saving on interest.

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No Fees Card

No Fees Card

The only Citi card with no late fees or annual fee, ever.

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Need help choosing?

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Benefits for Citi Customers

Pay here. Pay there. Pay almost anywhere.

Pay here. Pay there. Pay almost anywhere.

With Citi and Samsung Pay, you can now pay with your phone.

Learn more
Citibank Dining Program

Citibank Dining Program.

Citi customers can enjoy a free bottle of wine from award winning wine makers, McWilliam’s Wines, when dining at partner restaurants and paying with either their Citi credit or debit card.

Learn more
Summer rewards are here.

Summer rewards are here.

Discover the fresh look and feel as well as the exciting new ways you can use your points. With Citi Rewards the possibilities are endless, so start enjoying them now.

Learn more

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.

Important Changes

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

  • The current earn rate of 1 Point for Domestic Spend will be removed and replaced with a tiered earn rate based on spend categories; and
  • Points earn on International Spend will increase from 1 Point per $1 spent to 1.5 Points per $1

The new earn rate is outlined below:

Card type

Citi Qantas Prestige Rewards Card

Domestic Spend earn rate*
  • 1.5 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
  • 1 Point per $1 for selected purchases made at major petrol outlets, major supermarkets and major national retailers
  • 0.5 Point per $1 spent everywhere else on Eligible Transactions.
International Spend earn rate*

1.5 Points per $1 spent on eligible International Spend 

Card type

Domestic Spend earn rate*

International Spend earn rate*

Citi Qantas Prestige Rewards Card

  • 1.5 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
  • 1 Point per $1 for selected purchases made at major petrol outlets, major supermarkets and major national retailers
  • 0.5 Point per $1 spent everywhere else on Eligible Transactions.

1.5 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.

Important Changes

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

  • Earn rate for Domestic Spend of 1 Point for the first $3,000 spent each Statement Period and 0.5 Points for spend from $3,001 to $10,000 each Statement Period will be removed and replaced with a tiered earn rate based on spend categories with a new maximum Domestic Spend of $20,000 spend per Statement Period in the 0.5 points spend category, with two other categories not subject to a maximum spend limitation per Statement Period.

The new earn rate is outlined below:

Card type

Citi Qantas Signature Rewards Card

Domestic Spend earn rate*
  • 1 Point 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
  • 0.75 Point per $1 for selected purchases made at major petrol outlets, major supermarkets and major national retailers.
  • 0.5 Point per $1 spent everywhere else on Eligible Transactions for the first $20,000 spent each Statement Period

Card type

Domestic Spend earn rate*

Citi Qantas Signature Rewards Card

  • 1 Point 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
  • 0.75 Point per $1 for selected purchases made at major petrol outlets, major supermarkets and major national retailers.
  • 0.5 Point per $1 spent everywhere else on Eligible Transactions for the first $20,000 spent each Statement Period

* 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.

Important Changes

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

  • The earn rate of 1.5 Points for the first $20,000 spent on Domestic Spend each Statement Period will be removed and replaced with a tiered earn rate based on spend categories; and
  • Points earn on International Spend will increase from 1.5 Points per $1 spent to 2 Points per $1 spent.

The new earn rate is outlined below:

Card type

Citi Signature Rewards Card

Domestic Spend earn rate*
  • 2 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
  • 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
International Spend earn rate*

2 Points per $1 spent on eligible International Spend

Card type

Domestic Spend earn rate*

International Spend earn rate*

Citi Signature Rewards Card

  • 2 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
  • 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

2 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.