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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

    Citi Rewards Platinum Credit Card
  • Citi Clear Platinum Credit Card

    Citi Clear Platinum Credit Card
Which balance transfer credit card is best for you?
Additional Citi cardholder benefits

Turn your smartphone into a mobile wallet and experience faster, more convenient ways to pay with Apple Pay10, Samsung Pay and Citi Pay.

Enjoy a free bottle of wine on us at hundreds of restaurants across the country with the Citibank Dining Program.11

Make the most of special offers just for Citi cardholders with Citi World Privileges. From upgraded hotel rooms and car rentals to online shopping discounts and money off your restaurant bill, there’s something to enjoy wherever you go.12

See how much you could save with a balance transfer.

How much do you want to transfer?

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$500 $80,000

What is your current interest rate?

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0% 30%

Citi Rewards Platinum Credit Card Offer

0%
p.a.

26
months

on balance transfer.

(One off 2.5% BT fee applies, reverts to cash advance rate).1

Citi Rewards Platinum Credit Card Annual Fee3

Annual Fee First Year: $49

Ongoing Annual Fee: $149

Total Potential Savings13

$3,957

Remember, after 26 months, any outstanding balances will revert to the cash advance rate.1 Please note, no interest free days apply to retail purchases while you have a balance transfer.

Citi Clear Platinum Credit Card Offer

0%
p.a.

14
months

on balance transfer.

(reverts to cash advance rate).2

Citi Clear Platinum Credit Card Annual Fee9

Annual Fee First Year: $0

Ongoing Annual Fee: $99

Total Potential Savings13

$2,657

Remember, after 14 months, any outstanding balances will revert to the cash advance rate.2 Please note, no interest free days apply to retail purchases while you have a balance transfer.

Here's what you'll need to apply

Around 15 minutes to complete the application

Around 15 minutes to complete the application

 

Earn more than $35,000 per year for Platinum and Classic

Earn more than $35,000 per year

 

Be 18 years or older and an Australian resident

Be 18 years or older and an Australian resident

Important Information

Refer to the full Terms and Conditions related to this product 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. Credit limit will be assigned based on our credit criteria, subject to verification of your income and 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 26 months. The balance transfer fee of 2.5% is charged once, is calculated on the amount transferred and is added to your balance transfer amount at the time Citi processes your request. The 26 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 excludes balances transferred from Citibank unsecured credit products. Please note you are not entitled to any interest free days on retail purchases whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. This offer is valid until 31 March 2019. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

2. 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 14 months, commencing once the balance transfer has been 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 excludes balances transferred from Citibank unsecured credit products. Please note you are not entitled to any interest free days to retail purchases whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. This offer is valid until 31 March 2019. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

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 whilst the account remains open unless you are eligible for fee waivers based on your spends. This offer applies to the primary card holder only. For additional cardholders an annual fee also applies, currently $90 per card. This offer is valid until 31 March 2019. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

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 www.citibank.com.au/complimentaryinsurance

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 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 definitiondefinition. Points do not expire while the card remains open and in good standing.

6. Pay with Points is available on eligible purchases. An eligible purchase means an Eligible Transaction that you use Pay with Points on 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 definitiondefinition.

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. Subject to your acceptance you will receive a discounted variable interest rate of 12.99% p.a. for retail purchases. The current variable Annual Percentage Rate for retail purchases is 14.99%. Eligibility for this offer will continue whilst the account remains open. This offer is valid until 31 March 2019. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

9. Subject to your acceptance you will not be billed an annual fee in the first year. This will revert to the full annual fee ($99) in subsequent years. This offer is valid until 31 March 2019. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

10. Apple Pay works with iPhone 6 and later in stores, in selected apps, and on participating websites in Safari; with Apple Watch in stores and selected apps (requires iPhone 6 or later); with iPad Pro, iPad (5th generation), iPad Air 2, and iPad mini 3 and later in selected apps and on participating websites in Safari; and with Mac (2012 or later) on participating websites in Safari with an Apple Pay–enabled iPhone or Apple Watch. For a list of compatible Apple Pay devices, see support.apple.com/en-au/km207105. You can use Apple Pay in stores/merchants wherever NFC contactless payment is accepted. For certain merchant terminals, a transaction limit may apply. You can also make in-app purchases and websites in Safari where Apple Pay is available as a payment option. Terms and conditions apply to the use of Apple Pay. Apple, the Apple logo, Apple Pay, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.

11. Conditions apply. Visit citibank.com.au/dine

12. 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.

13. All savings estimates are based on Citi’s payment terms and assumes minimum payment is made by the payment due date each month and no other transactions are made during the promotional period and that the entire balance is paid at the expiration of the promotional period. This savings calculation includes the Citi Credit Card annual fee and any balance transferred fee incurred. It excludes; any other fees or charges and interest accrued at Citi’s standard interest rates. Your personal circumstances may differ. Minimum balance transfer amount is $500 and may not exceed 80% of your approved credit limit. 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.

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