FEES AND CHARGES

Citi Fees and Charges.

Citi Fees and Charges.

Credit Cards

Fee Amount Fee Definition / When is the fee charged How can you avoid the fee
Annual Primary Cardholder Fee
Signature $395
Platinum $249
Classic $99
Simplicity $0 NEVER EVER. We take care of that for you.
Clear Platinum $99
Prestige $700
Emirates Citi World $299
Clear $65

Credit Cards

Fee Amount Fee Definition / When is the fee charged How can you avoid the fee
Annual Additional Cardholder Fee
Signature $0
Platinum $90
Classic $15
Simplicity $0 NEVER EVER. We take care of that for you.
Clear Platinum $0
Prestige $0
Emirates Citi World $0
Clear $19
Qantas Rewards Fee $49 Charged for Qantas Direct Earn (available for Signature & Prestige Cards) upon enrolment and then on each anniversary of enrolment date. This fee applies only if you wish to join the Qantas Direct Earn Rewards program (available for Signature & Prestige Cards).
Late Payment Fee $10 ($0 for Simplicity) Charged when the Total Minimum Payment Due is not paid by Payment Due Date and every 7 days thereafter until the Total Minimum Payment Due is made. Always pay the Total Minimum Payment Due on or before the Payment Due Date. Alternatively, set-up Easi-Pay to automate your payment.
Overlimit Fee (for accounts opened prior to 1 July 2012) $40 Charged per statement period when your credit limit is exceeded, debited to your account on the date your credit limit is exceeded and on each statement date in subsequent statement periods if your account remains overlimit. You can avoid overlimit fees by monitoring your account balance and keeping track of your spending.

If you would like to know your current balance, please call us on 13 24 84 or sign on to your online banking account. Please remember that it is up to you to keep your balance below its limit each month. Because many Cardholders prefer to have over limit Transactions processed, rather than rejected, our automated systems include rules that may allow some over limit Transactions to be processed, for which a fee will be charged. However, you may contact us at any time to request these Transactions be automatically rejected. In this case most over limit Transactions will be rejected, with the exception of certain Transactions that we cannot reject including Transactions that are processed manually (for example where a merchant does not use an electronic device when accepting your credit card Transaction or some recurring instructions set up on your Account), for which you will be liable for the full Transaction amount and associated interest charges (subject to any Chargeback right that may exist.

Dishonour Fees $15 Charged each time a payment to the account is dishonoured, debited at time of dishonour. Ensure you have sufficient funds in your account to cover the Direct Debits set-up on your account.
Cash Advances Local 3.5% of transaction amount Debited on the transaction date. Minimum charge $3.50 This fee applies only if you withdraw cash from your credit card.
Cash Advances Overseas $5 Charged per transaction for a cash advance made outside Australia, debited on the transaction date. This fee applies only if you withdraw cash from your credit card overseas.
Paper Statement Fee $2 per month Charged when we issue you a paper statement, and debited to your account in the following statement period. This may be waived in limited circumstances. Fee does not apply to Citi Simplicity cardholders. Switch to electronic Statements. Click here for more details.
International Transaction Fee 3.4% of transaction
amount

of which a 1% service and assessment fee is payable by us to Visa or MasterCard (as applicable).

Charged for any retail purchase or cash advance transaction in:
  • Foreign currency, once converted to Australian dollars; and/or
  • Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located overseas.
Note: It may not always be clear that the merchant or its financial institution/payment processor is located outside Australia.
Information Request Fee /Duplicate Statement Fee $7 Charged for written information provided on request, including duplicate statements, and debited when request is processed. Keep a file of all your Statements so you have a record of them. Use online banking to view your Statements for free.
Over-the-Counter Transaction Fee $2.50 Charged per payment made at Australia Post outlets by cash, cheque or EFTPOS. This fee applies when you use Australia Post to make payments to your
account

A number of other options are available such as Easi-Pay which is Citibank's convenient Direct Debit facility which enables you to have the regular payments to your Citibank account automatically debited from your nominated bank account held within Australia.

Foreign Cheque Clearance (Bill for Collection) $30 each Your Citi Credit Card can be paid in a number of ways including foreign cheque. Citi will charge you a fee of $30 per cheque to clear foreign cheques.