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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 Card

    Citi Platinum card
  • Citi Classic Card

    Citi Classic card
  • Citi Simplicity Card

    Citi Simplicity card
  • 0 % p.a. for 26 months on balance transfers1 (2.5% BT fee applies, reverts
    to cash advance rate)
    Say yes to life's opportunities

    Apply now
  • 0 % p.a. for 15 months on balance transfers12 (1.5% BT fee applies, reverts
    to cash advance rate)
    Make the most of life

    Apply now
  • No Late Fees. No Annual Fees. Never Ever.

    Citi Simplicity Card

    Apply now
Choose between our range of credit cards to suit your needs.
Additional benefits

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

With the Citibank Dining Program, enjoy a free bottle of wine from award-winning wineries every time you dine at hundreds of participating restaurants and pay with your Citi card13.

Instant display of Transactions for Credit Cards - You will be able to see transactions instantly on the app in pending state.

Savings See how much you could save over the balance transfer period
Citi Platinum Rewards Card
Citi Card
Other bank card
Interest rate
0% p.a. for 26 months
20% p.a. for 26 months
Balance transfer amount
$11,000
$11,000
Interest paid
$0
$4,202
Less 2.5% BT Fee
$275
$0
Less Annual Fee over first 26 months
$347
$0
Savings over 26 months
$3,580
Citi Simplicity Card
Citi Card
Other bank card
Interest rate
0% p.a. for 15 months
20% p.a. for 15 months
Balance transfer amount
$11,000
$11,000
Interest paid
$0
$2,561
Savings over 15 months
$2,396
SEE HOW IT IS CALCULATED
All estimated savings are based on Citi's payment terms, an indicative balance transfer of $11,000 and assumes minimum payment is made by payment due date each month with no other transactions during the promotional period and the entire balance is paid at the expiration of the promotional period. The 20% p.a interest rate is an indicative interest rate accrued with another bank card. Excludes annual fees and other charges. It does not include interest accrued at Citi's standard interest rates. Your personal circumstances may differ.
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 $25,000 for Classic and $35,000 per year for Platinum or Simplicity

Earn more than $25,000 for Classic and $35,000 per year for Platinum or Simplicity

 

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 these products, 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.

#Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $35,000 per year for Platinum/Simplicity or $25,000 for Classic and your credit rating.

*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.

  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 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. Please note you are not entitled to any interest free days 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 July 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 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 definition. 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.
  3. Select and Credit is available on eligible purchases. An eligible purchase means an Eligible Transaction that you Select and Credit 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.
  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. 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. For additional cardholders an annual fee also applies, currently $90 per card. This offer is valid until 31 July 2018. 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 and the balance transfer fee, for a period of 15 months. The 15 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. Please note you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. Offer ends 31 December 2018. Offer may be extended.
  7. The 5% cash back will be earned on all eligible purchases, made in Australia and internationally, up to $1,000 spend in the first 90 days from account approval (promotional period). Maximum cash back that can be awarded is $50 over the 90 day promotional period. To qualify for the cash back, the eligible purchases can be made by both the primary and additional card holders. Eligible purchase means any Retail Purchase which is made by the use of a Card or any other means permitted by Citi, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, BPAY payments, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to Citi loan accounts (mortgage etc.), purchases in excess of limits on the Account, transactions made in operating a business and if the Account is more than $10,000 in credit only, all other transactions. Charge backs, refunds, fraudulent transactions or any other unauthorised transactions are not eligible to be counted towards the cash back. The cash back can only be credited to the approved primary cardholder's account within 8 weeks after each eligible purchase has been made. Please note that if have a balance transfer, you will be charged interest on any spend that you make. Offer ends 31 December 2018. Offer may be extended.
  8. Subject to your acceptance you will be billed an annual fee of $49 in the first year. This will revert to the standard annual fee, currently $99, in subsequent years. For additional cardholders an annual fee also applies, currently $15 per card. Offer ends 31 December 2018. Offer may be extended.
  9. 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 definition. Reward Points never expire while the card remains open and in good standing. 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.
  10. 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 15 months. The 15 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 19.99% p.a. Please note you are not entitled to any interest free days 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 July 2018. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.
  11. The 5% cash back will be earned on all eligible purchases, made in Australia and internationally, up to $1,000 in the first 90 days from account approval (promotional period). Maximum cash back that can be awarded is $50. To qualify for the cash back, the eligible purchases can be made by both the primary and additional card holders. Eligible purchase means any Retail Purchase which is made by the use of a Card or any other means permitted by Citi, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, BPAY payments, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to Citi loan accounts (mortgage etc.), purchases in excess of limits on the Account, transactions made in operating a business and if the Account is more than $10,000 in credit only, all other transactions. Charge backs, refunds, fraudulent transactions or any other unauthorised transactions are not eligible to be counted towards the cash back. The cash back can only be credited to the approved primary cardholder's account within 8 weeks after each eligible purchase has been made. Please note that if have a balance transfer, you will be charged interest on any spend that you make. This offer is valid until 31 July 2018. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.
  12. The maximum 55 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 55 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 when you have Balance Transfers.
  13. Conditions apply. Visit citibank.com.au/dine.