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Eligible Transactions 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 Credit Cards

Citi Rewards Credit Cards

Choose between our Rewards Credit Cards
Earn points when you spend

Citi Points*

Spending Cap

For selected domestic purchases made on flights, hotels and restaurants

For eligible international Spend

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

For all other eligible Domestic Spend

For Eligible Transactions with Citi Linked Diners Club Card

 

Platinum18

Platinum

All Domestic Spend capped at $10,000 per statement period. International Spend and Linked Diners Club Card spend uncapped

1 Point per dollar

1 Point per dollar

1 Point per dollar

1 Point per dollar

2 Points per dollar

Signature19

Signature

All spend uncapped

2 Points per dollar

2 Points per dollar

1.5 Points per dollar

1 Point per dollar

2 Points per dollar

Prestige20

Prestige

All spend uncapped

3 Points per dollar

3 Points per dollar

2 Points per dollar

1 Point per dollar

2 Points per dollar

*Exclusions: Points cannot be earned on BPAY, Balance Transfers or Cash Transfers
Spending Cap
Platinum

Platinum18

All Domestic Spend capped at $10,000 per statement period. International Spend and Linked Diners Club Card spend uncapped

Signature

Signature19

All spend uncapped

Prestige

Prestige20

All spend uncapped

Citi Points per dollar for selected domestic purchases made on flights, hotels and restaurants
Platinum

Platinum18

1 Point per dollar

Signature

Signature19

2 Points per dollar

Prestige

Prestige20

3 Points per dollar

Citi Points per dollar for eligible International Spend
Platinum

Platinum18

1 Point per dollar

Signature

Signature19

2 Points per dollar

Prestige

Prestige20

3 Points per dollar

Citi Points per dollar for selected domestic purchases at major petrol outlets, supermarkets and national retailers
Platinum

Platinum18

1 Point per dollar

Signature

Signature19

1.5 Points per dollar

Prestige

Prestige20

2 Points per dollar

Citi Points per dollar for all other eligible Domestic Spend
Platinum

Platinum18

1 Point per dollar

Signature

Signature19

1 Point per dollar

Prestige

Prestige20

1 Point per dollar

For Eligible Transactions with Citi Linked Diners Club Card
Platinum

Platinum18

2 Points per dollar

Signature

Signature19

2 Points per dollar

Prestige

Prestige20

2 Points per dollar

Spend points the way you want
Digital Gift Cards

Digital Gift Cards

Choose from Myer, David Jones, JB Hi-Fi, Bunnings and many more. Digital gift cards are delivered via email and can be used straight away.18

Pay with Points

Pay with Points

Treat yourself with your Points. Whether it's your daily coffee or your New York hotel booking, you can use your Points to pay for it and receive a statement credit.21

Travel

Travel

Redeem from a range of travel options such as flights, hotels, car hire etc. or simply transfer your Points to airline miles at a participating partner.22

Additional benefits

Enjoy all the benefits of your Citi credit card using Apple Pay. It’s the easy and secure way to pay.23

No time to plan your next adventure? Let your personal concierge help you out. From suggesting a brewery in Brooklyn, to booking concert tickets in Melbourne, they can assist you from anywhere in the world, 24 hours a day, 7 days a week.

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.24

Linked Diners Club Card

Earn an extra 10,000 bonus Points with a
Linked Diners Club Card25

Earn Points faster with a Linked Diners Club Card.
Simply request a Linked Diners Club Card when you apply and spend on it within 90 days of approval to earn an extra 10,000 bonus Points.25 You will also enjoy:

  • An uncapped earn rate of 2 Points per $1 spent on all Eligible TransactionsEligible Transactions
  • Points earned will be added to your Rewards Balance
  • No International Transaction Fees when spending overseasφ
  • One PIN used across both Visa Credit Card and Linked Diners Club Card, one monthly payment and the same online banking login details.

Enjoy all this with no additional fees. Linked Diners Club Cards are accepted at Coles, Woolworths, Bunnings and many more retailers at home and abroad (see a full list of retailers and our FAQ here).

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 for Platinum, $75,000 for Signature and $150,000 per year for Prestige

Earn more than $35,000 for Platinum, $75,000 for Signature and $150,000 per year for Prestige

 

Be 18 years or older and an Australian resident

Be 18 years or older and an Australian resident

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 and cannot be used in conjunction with any other offers.

1. To be eligible to receive up to 200,000 bonus Points, you must apply for a Citi Rewards Platinum Credit Card by 31 March 2019. You will receive 10,000 bonus Points when you spend a minimum of $1,000 during each monthly statement cycle. A maximum of 200,000 bonus Points can be earned over the first 20 monthly statement cycles. If you do not meet the minimum spend for one monthly statement cycle, you forfeit the bonus Points for that monthly statement cycle only, however you are still eligible for subsequent months 10,000 bonus Points if you meet the minimum spend within each monthly statement cycle during the promotional period. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. The bonus Points will be credited within 6 - 8 weeks of meeting the spend criteria for any given month. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. Points do not expire while the card remains open and in good standing. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. 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. 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

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

4. 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.

5. This offer applies to the primary card holder only. To avail 50% fee waiver off of the discounted annual fee for second year onwards, you must spend a minimum of $24,000 during the preceding year of your card anniversary. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. If you do not qualify for the offer, the annual fee will revert to the discounted annual fee, currently $149. If you do not meet the minimum spend for one year, you are still eligible to receive the 50% fee waiver in subsequent years if spend criteria is met. Should there in future be no discounted annual fee or equivalent, however you meet the eligibility criteria, the 50% fee waiver will apply to the full annual fee, currently $249. Should there in future be no discounted annual fee or equivalent, and you do not qualify for the offer, your annual fee will revert to the full annual fee, currently $249. 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.

6. 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 12 months. The 12 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 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.

7. To be eligible to receive up to 300,000 bonus Points you must apply for a Citi Rewards Signature Credit Card by 31 March 2019. You will receive 15,000 bonus Points when you spend a minimum of $1,000 during each monthly statement cycle. A maximum of 300,000 bonus Points can be earned over the first 20 monthly statement cycles. If you do not meet the minimum spend for one monthly statement cycle, you forfeit the bonus Points for that monthly statement cycle, however you are still eligible for subsequent months 15,000 bonus Points if you meet the minimum spend within each monthly statement cycle during the promotional period. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. The bonus Points will be credited within 6 - 8 weeks of meeting the spend criteria for any given month. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. Points do not expire while the card remains open and in good standing. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. 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.

8. Subject to your acceptance you will be billed an annual fee of $195 in the first year. This will revert to the full annual fee, currently $395, in subsequent years whilst the account remains open, unless you are eligible for fee waivers based on your spends. 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. To avail 50% fee waiver off of the full annual fee for second year onwards, you must spend a minimum of $48,000 during the preceding year of your card anniversary. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. If you do not qualify for the 50% fee waiver, the annual fee will revert to the full annual fee, currently $395. If you do not meet the minimum spend for one year, you are still eligible to receive the 50% fee waiver in subsequent years if spend criteria is met. 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. One complimentary Priority Pass™ Standard Membership, with two complimentary lounge visits, for the Primary Cardholder is a Special Feature of the Citi Rewards Signature Credit Card. Citi Rewards Signature Credit Cardholders must enrol for the Priority Pass Standard Membership at prioritypass.com/citibankaus. 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 total number of complimentary visits will be reset to two at the beginning of each membership year while you remain a Citi Rewards Signature Credit Cardholder. 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™ and Conditions of Use please refer to www.prioritypass.com.

11. To be eligible to receive up to 400,000 bonus Points you must apply for a Citi Prestige Credit Card by 31 March 2019. You will receive 20,000 bonus Points when you spend a minimum of $1,000 during each monthly statement cycle. A maximum of 400,000 bonus Points can be earned over the first 20 monthly statement cycles. If you do not meet the minimum spend for one monthly statement cycle, you forfeit the bonus Points for that monthly statement cycle, however you are still eligible for subsequent months' 20,000 bonus Points if you meet the minimum spend within each monthly statement cycle during the promotional period. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. The bonus Points will be credited within 6 - 8 weeks of meeting the spend criteria for any given month. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. Points do not expire while the card remains open and in good standing. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. 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.

12. 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 Cardholders must enrol for the Priority Pass Standard Membership at www.prioritypass.com/citiprestigeaus. 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 available at some airports. For the full list of up to date airport lounges and Priority Pass™ Conditions of Use please refer to www.prioritypass.com

13. 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 stay must be one of the paying guests. Complimentary night must be utilised 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-night stay). Please refer to full Terms and Conditions.

14. 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 of December 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.

15. 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 pieces of luggage per passenger. This service is limited to a maximum of 2 large suitcases and 4 passengers per car. All bookings are 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 Credit Card and will be in USD. Please refer to full Terms and Conditions.

16. Golf Privileges are a Special Feature of the Citi Prestige Credit Card. Three (3) complimentary green fees for Citi Prestige Primary Cardholders at participating golf clubs per calendar year. Offer is fully subsidised 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 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 Primary Cardholders must follow the terms and conditions of booking set out in the full Terms and Conditions.

17. Subject to your acceptance you will be billed an annual fee of $700.

18. 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 Eligible Transactions definition. Points do not expire while the card remains open and in good standing.

19. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. The Citi Rewards Signature Credit Card earns 2 Points per $1 for selected purchases made and booked directly from a range of major restaurants and restaurant chains, major hotel chains, major travel agencies, major travel aggregators 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. 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 (e.g. through a delivery company) 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. Points do not expire while the card remains open and in good standing.

20. All rewards are subject to the Terms and Conditions of the Citibank Rewards Program. The Citi Prestige Credit Card earns 3 Points per $1 on eligible International Spend and for selected purchases made and booked directly from a range of major restaurants and restaurant chains, major hotel chains, major travel agencies, major travel aggregators 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. 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 click here for the full definition of Eligible Transactions. Please note purchases not ordered or booked directly from the restaurant (e.g. through a delivery company) 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. Points do not expire while the card remains open and in good standing.

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

22. 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.

23. 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.

24. 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.

25. To earn 10,000 bonus Points, you must request a Linked Diners Club Card during your application process and then make your first spend on the Linked Diners Club card within first 90 days from the card approval. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. 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 and the Linked Diners Club Card Extra Terms Part 2 for Citi Rewards Platinum Credit Card, or the Terms and Conditions of the Citibank Rewards Program and the Linked Diners Club Card Extra Terms Part 3 for Citi Rewards Signature Credit Card and Citi Prestige Credit 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.

† Separate Diners Club Terms and Conditions apply to a Linked Diners Club Card as it is a separate credit facility from Diners Club that is paid through your Citi credit card. Eligibility criteria apply including that you must be approved for an account that is eligible for a Linked Diners Club Card. Diners Club has appointed Citi to administer the Linked Diners Club Card. Any credit balance on the Linked Diners Club Card is not a deposit liability of Citi, or any other affiliate of Citi, is not a protected account and is not guaranteed.

‡ All rewards are subject to the Terms and Conditions of the Citibank Rewards Program and the Linked Diners Club Card Extra Terms Part 2 for Citi Rewards Platinum Credit Card, or the Terms and Conditions of the Citibank Rewards Program and the Linked Diners Club Card Extra Terms Part 3 for Citi Rewards Signature Credit Card and Citi Prestige Credit Card. 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. Please click hereclick here for the full definition of Eligible Transactions. Points do not expire while the card remains open and in good standing.

φ No International Transaction Fee is only applicable for transactions made on your Linked Diners Club Card; including on the amounts transferred to your Citi credit card. If you make an international transaction using your Citi credit card, an International Transaction Fee will be charged (where applicable).

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