Close

Eligible Transaction:
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.

Sign On
Sign On
Meet your new Citi Mastercard.

Meet your new Citi Mastercard.

Upon the expiry date of your current Citi credit card, your renewal card will be a Mastercard.*

Learn more about the Mastercard benefits you will have access to, while still enjoying the current card benefits provided by us including the Citi Instalment Plans1 and Citi PayAll.2 Any annual fees, interest rates, access to Reward Programs3 and complimentary insurances4 associated with your card will continue.

Select your product tab at the top of this page to learn more about your Citi card.

What continues with your card?

Card benefits provided by us
Card benefits
provided by us
Card and telephone PIN
Card and telephone
PIN
Citi Online access
Citi
Online access
Citi Mobile® App access
Citi Mobile® App
access

What's new with your card?

Card and account number
Card and
account number
Expiry date
Expiry date
CVV (Card Verification Value)
CVV
(Card Verification Value)

Welcome to the world of Mastercard.

Experience the convenience of a card that is accepted at over 47 million merchants in more than 210 countries and territories.

Global security and peace of mind

Global security
and peace of mind

A Citi Mastercard comes with full protection against unauthorised transactions, plus comprehensive assistance in the event of any travel emergency.

Global acceptance

Global acceptance

You can pay quickly and securely with your Mastercard for your online purchases with merchants within Australia and internationally and at over 47 million merchants in more than 210 countries and territories.

What you need to do

You and any additional cardholders will receive a renewal Mastercard before your current card expires.*

When you receive it, simply activate it to access your card benefits. If you are an Additional Cardholder, the Primary Cardholder is required to activate their card first.

How to activate your card?

To ensure a recurring payment is not declined, you will need to update your card details with the merchants.

How to update your recurring payments?
Activating your new Mastercard is quick and easy

Activating your new Mastercard is quick and easy

Simply scan the QR code on the card or download the Citi Mobile® App and follow the instructions to activate your card now.

Activate your card now, to access your card benefits.

For other ways to activate your card:

Visit citibank.com.au/activate-card/

Update your recurring payments

Update your recurring payments

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require a list of your regular recurring payments for the last 13 months, you can contact us and we will provide details of transactions that the merchant has identified as recurring.

Remember to also update your mobile wallets

If you use Apple Pay5, Samsung Pay6, then update your mobile wallet with your renewal card details so you can ensure your payments are made with ease.

Apple Pay Samsung Pay

FAQs

Expand all sections

Why are you replacing my existing card?

Your existing card is scheduled to expire soon. When it does, it will be replaced with a Mastercard, instead of a Visa. We continually look for ways to provide the best credit card features and benefits to you and believe that the switch to Mastercard will enable us to do this. We sent you the notice in advance because we want to make this transition as seamless as possible for you - with minimal disruption.

Why are you changing my Visa to Mastercard?

We have entered into a strategic partnership with Mastercard as Mastercard has been core to our business for decades, enabling effortless, secure payments for millions of our cardholders around the world. With the growth of this partnership, we are converting Citi credit cards to Mastercard.

Following the switch to Mastercard, your features and benefits continue with your card including:

  • Card benefits provided by us
  • Annual fees (if applicable to your existing card)
  • Interest rates
  • Card PIN and telephone PIN
  • Citi Online login and access
  • Citi Mobile® App access
  • Rewards Program3 (if applicable to your existing card)
  • Any complimentary insurance4 associated with your existing card
  • Access to Citi Instalment Plans1 and Citi PayAll.2

What's new with your card?

  • Card number and account number
  • Card expiry and CVV (Card Verification Code)

I already have (a) Mastercard credit card(s)?

It is perfectly fine to have more than one Mastercard. Your Mastercard will currently continue with your existing fees and benefits as your existing Visa card. Some people prefer to put different types of expenses on each card – for example, they might put household expenses on one card and entertainment on another.

Is Citi ending Visa?

Citi remains a member of Visa and will continue to service Citi Visa customers and as they come up for card renewal they will be converted to Mastercard.

Why can't I just go back to Visa?

We apologise for any inconvenience caused. We request that you continue with your relationship with us through Mastercard so we can provide you with the best credit card features and benefits as we will no longer be issuing Visa cards for your product.

Do you still offer Visa cards?

Yes, some Visa cards will continue to be issued.

Will I be able to use my Mastercard credit card in as many places as my Visa card?

Mastercard and Visa are both accepted in millions of locations across the world. Additional details are available at Mastercard.us

With Mastercard you can enjoy global acceptance at over 47 million merchants in more than 210 countries.

Will this switch to Mastercard cost me anything?

No, there is no cost to you by switching to Mastercard.

Do my credit terms or interest rate change?

As a result of the switch to Mastercard, your current interest rates and other credit card terms and conditions will continue.

When will my credit card change to a Mastercard?

You can expect to receive your new card approximately 40 days before your existing Visa card expires. We will contact you by letter, email or SMS to share more details when you are getting close to your card expiry date.

Do I need to do anything now before my Mastercard arrives in the mail?

No - simply continue to use your Visa card as usual until your new Mastercard arrives in the mail. Then all you need to do is activate your new Mastercard either online or over the phone and you will be ready to use it.

If you have any additional cardholders, they will also receive a new Mastercard and they can activate their card after the primary card is activated first.

To ensure a recurring payment is not declined, once you receive your card, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require the full list of all your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

Can I use my Visa card after I activate my Mastercard?

You should start using your Mastercard once activated. Your Visa card will no longer continue to work after your Mastercard card is activated. Please note, if you have any additional cardholders, they will also receive a new Mastercard and they can activate their card after the primary card is activated first.

What will change on my new Mastercard?

  • The following will change for you:

    • Expiry date
    • CVV (Card Verification Value)
    • Card number and account number

  • The following will continue:

    • Card benefits provided by us
    • Annual fees (if applicable to your existing card)
    • Interest rates
    • Card PIN and telephone PIN
    • Citi Online login and access
    • Citi Mobile® App access
    • Reward Program3 (if applicable on your existing card)
    • Any complimentary insurance4 associated with your existing card
    • Access to Citi Instalment Plans1 and Citi PayAll.2

I have an additional card on my account. Will I also receive a card for this?

If you have an additional card/s, your additional cardholder/s will receive a new Mastercard at the same time as your primary Mastercard. Please ensure that you activate your primary card before your additional cardholder/s activates their card/s.

Can I add an additional cardholder to my new Mastercard?

Yes. After you receive your Mastercard, contact the customer service number listed on the back and we will be happy to assist you.

Will my Personal Identification Number (PIN) change?

No. Your Card PIN, used for making cash advances and for withdrawing funds from an Automated Teller Machine (ATM), will not change as a result of this change to Mastercard. Your Telephone PIN also remains the same.

I have set up automatic payments with a couple of merchants. Will these be automatically switched over too?

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card. Remember to also update any digital wallets with your new card details.

If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

When can I change my recurring payments information?

As soon as you receive your Mastercard and activate it, you can change any recurring payments you may have to your new Mastercard using the 16-digit card number, expiry date and CVV code (Card Verification Value).

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

Will my Mastercard have contactless payment technology?

Yes, your Citi Mastercard will have contactless technology enabled. It will also contain an EMV chip, so that you can use it conveniently at all your favourite merchants.

Can I use my Mastercard on Apple Pay / Samsung Pay?

Yes. As long as your previous card was eligible with these services, you can use your card on Apple Pay5 or Samsung Pay6. Just remember to update your card details in your respective digital wallets.

Where can I see my latest transactions online?

All your credit card information as usual will be available on Citi Online and the Citi Mobile® App.

Why do I have a balance on the Mastercard when I have not made any purchases?

Part of the conversion process includes moving your outstanding balance from the Visa to your renewal Mastercard. Please note, this is a transferred balance and not a duplication of the outstanding balance.

Which card should I make my payments to?

You can make your payment for your statement period on either account and it will post properly. However, once you activate your Mastercard, we recommend you should make payments for your statement period to the Mastercard moving forward, given that is your new card number.

Will all of my card online settings from my old credit card transfer to Mastercard?

Yes, account online settings will transfer across to the Mastercard. Please note your Citi Online access and Citi Mobile® App access will remain the same.

It is an inconvenience having to update my card details on all my merchants.

We apologise for any inconvenience caused. To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

Should I keep my Visa card in case I have to make a return?

There is no need to retain the card. If you have a return, the merchant should be able to put the credit from the purchase made on the Visa onto the Mastercard instead; given it is the card that has replaced your old Visa card.

I'm on my Citi Mobile® App and I can't see my current card details. Do you know why? Is everything alright with my card?

Since your card was changed to a Mastercard when it expired, you will no longer see the Visa account on the Citi Mobile® App; however, you should be able to view the new Mastercard. You can also access your account via Citi Online for more information.

Can I change my payment due date?

Your payment due date will not change as a result of this switch to Mastercard. If you want to change the date after you receive your new Mastercard, please contact us and we can assist you.

Will there be any system downtime when the card is being converted?

Yes, there may be a period where certain functions such as reward redemptions or Citi Online and Citi Mobile® App access etc. will temporarily experience an outage while the conversion from Visa to Mastercard occurs. This downtime may be around 24-48 hours of your card expiry date. Please ensure you access your account before your card expiry to avoid any inconvenience.

Will this conversion impact my credit bureau/ credit score?

No it won't, we are simply changing your current Visa to a Mastercard. This change will not impact your credit score.

What do I need to do when I receive my new Mastercard?

When it arrives all you need to do is activate the card via the Citi Mobile® App or via Citi Online. Follow the activation instructions as outlined on your card and card carrier. If you have any additional cardholders, they will also receive a new Mastercard. Please ensure you activate your card before they do.

Will all my reward Points come over from my Visa card?

You will not lose any reward Points3 as a result of this change. They will be migrated across to your new Mastercard.

Why do I see a Mastercard under my online profile?

We have recently converted your account from a Visa to a Mastercard. During this conversion process, your Visa account has been transferred to a Mastercard account. Once you activate your Mastercard, your Visa card will be closed but still available via Citi Online and the Citi Mobile® App to view previous statements.

Part of the conversion process includes moving your outstanding balance from your Visa to your renewal Mastercard. Please note, this is a transferred balance and not a duplication of the outstanding amount.

In the month before your Visa card expires you will be automatically issued with a Mastercard if your account remains open and in good standing  (for example – your account is not in default, suspended or closed). Once issued, all transactions made on your Visa card will appear under your new Mastercard account.

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

Important Information

*Your card will be renewed provided your account is in good standing  (for example – your account is not in default, suspended or closed).

  1. Citi Instalment Plans: Citi Instalment Plan is defined in the Credit Card Terms and Conditions as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing  (for example – your account is not in default, suspended or closed). For the full terms and conditions that apply to Fixed Payment Options, please refer to the Credit Card Terms and Conditions and Other Important Information.

  2. Citi PayAll: offers are subject to eligibility and only available if your account is and remains in good standing  (for example – your account is not in default, suspended or closed). Set up Citi PayAll payment instructions using the Citi Mobile® App or in any other way we tell you that you can make a Citi PayAll payment. This is an amount you authorise us to pay once or on a regular basis from your account to another bank account held with an Australian financial institution (other than through BPAY®). This must be not less than 7 days from the date the Citi PayAll payment is set up, and if there is more than one payment to be made, the number and frequency of the payments and period over which they are to be made, you must ensure these details are correct. All Citi PayAll payments and Citi PayAll Fees we charge to your account will be added to the retail purchase balance and the Retail APR will apply to them. Citi PayAll payments are charged at the retail purchase rate applicable to your account and are only available on Citi PayAll payments outlined in the Credit Card Terms and Conditions and Other Important Information. The Citi PayAll fee is currently 0.95% and is part of your Terms and Conditions including your Financial Table. This fee is set at the point of scheduling your Citi PayAll payment, applies for the duration the Citi PayAll payments are scheduled and is charged to your account each time a Citi PayAll payment is made. Please note the promotional offer of the 0% PayAll fee ended on 31 October 2023. For more information please refer to Citi PayAll fees by visiting Citi Credit Card Fees and Charges (citibank.com.au). Please note, there are limits on the Citi PayAll payments you can make in a period. Details of these limits can be found at citibank.com.au/payall-limits. These limits may change from time to time. For the full terms and conditions of Citi PayAll, please refer to the Credit Card Terms and Conditions and Other Important Information.

  3. For Citi Rewards Program: All rewards are subject to the Terms and Conditions of the Citi Rewards Program.

    Qantas Frequent Flyer Program: All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Qantas Points are defined in the Citi Rewards and Citi Qantas Rewards Program Terms and Conditions as Qantas Frequent Flyer Points. Qantas Points are earned in accordance with the Citi Qantas Rewards Program Terms and Conditions. You must be a member of the Qantas Frequent Flyer Program and have advised us of your Qantas Frequent Flyer Program membership number before you can participate in Citi Qantas Rewards. You will only earn Qantas Frequent Flyer Points after you advise us of your Qantas Frequent Flyer Program membership number. An additional annual fee of $49 will apply to join the Citi Qantas Rewards program. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions, available at qantas.com/terms. Your Rewards Balance will be automatically redeemed for Qantas Frequent Flyer Points at the end of each Statement Period. It may take 28 business days for the Qantas Frequent Flyer Points to appear in your Qantas Frequent Flyer membership account.

  4. Complimentary Insurance: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB") which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi"). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

  5. Apple Pay: 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.

  6. Samsung Pay: Only Gear devices bought in Australia will support Samsung Pay on Gear in Australia. Samsung Pay on Gear needs to be authenticated each time the Gear smartwatch is put on and requires a periodic connection to a compatible smartphone with internet access and Samsung Pay installed. Samsung Pay for Gear only available on NFC terminals with Gear S2 and NFC and MST terminals with Gear S3. For more information visit https://www.citibank.com.au/samsungpay/

More Less
Meet the Citi Premier® Card.

Meet the Citi Premier® Card.

What continues with your card?

Access to your Rewards Program
Access to your
Rewards Program1
Learn more
Two complimentary airport lounge passes
Two complimentary airport
lounge passes2
Learn more
Complimentary insurances
Complimentary
insurances3a,3b
Learn more
Citi Instalment Plans
Citi
Instalment Plans4
Learn more
Citi PayAll
Citi PayAll. 5
Learn more
Earn reward Points¹ with your Citi Premier Card

Earn reward Points1 with your Citi Premier Card

If your Citi Premier Card is linked to the Citi Rewards Program you will earn:

  • 2 Points per $1 spent on eligible International Spend
  • 2 Points per $1 spent on eligible transactions made online
  • 1 Point per $1 spent on all other eligible transactions
  • Your Points earn rate will be capped at 200,000 Points over a 12-month period and will reset on the statement cycle after the anniversary of your enrolment date

If your Citi Premier Card is linked to the Qantas Frequent Flyer Program you will earn:

  • 1 Qantas Point per $1 spent on eligible International Spend
  • 1 Qantas Point per $1 spent on eligible transactions made online
  • 0.5 Qantas Points per $1 spent on all other eligible transactions
  • Your Points earn rate will be capped at 100,000 Points over a 12-month period and will reset on the statement cycle after the anniversary of your enrolment date
Priority Pass™ Membership²

Priority Pass™ Membership2

Access two complimentary airport lounge visits worldwide every year with your Priority Pass™ membership2.

We've got you covered³

We've got you covered3a, 3b

Complimentary insurances3a, 3b on your Citi Premier Card.

Your insurance includes:

  • Complimentary Mobile Phone Insurance3a
  • International Travel Insurance3b
  • Domestic Travel Insurance3b
  • Purchase Protection Insurance3b
  • Extended Warranty Insurance3b
Learn more
Citi Instalment Plans

Citi Instalment Plans4

Citi Instalment Plans make it easier to pay for life's expenses, whatever they are and whenever they crop up. You can break purchases into smaller, more manageable monthly repayments at a fixed rate over a set term.4

Learn more
Citi PayAll

Citi PayAll5

Pay your rent, taxes, education fees and more with your Citi credit card. The Citi PayAll fee is currently 0.95% as outlined in the Financial Table and is set at the point of scheduling your Citi PayAll payment.

Learn more

What’s new with your card?

card and account number
Card and
account number
Expiry date
Expiry date
CVV
CVV
(Card Verification Value)

What you need to do

You and any additional cardholders will receive a renewal Mastercard before your current card expires.*

When you receive it, simply activate it to access your card benefits. If you are an Additional Cardholder, the Primary Cardholder is required to activate their card first.

How to activate your card?

To ensure a recurring payment is not declined, you will need to update your card details with the merchants.

How to update your recurring payments?
Activating your new Mastercard is quick and easy

Activating your new Mastercard is quick and easy

Simply scan the QR code on the card or download the Citi Mobile® App and follow the instructions to activate your card now.

Activate your card now, to access your card benefits.

For other ways to activate your card:

Visit citibank.com.au/activate-card/

Update your recurring payments

Update your recurring payments

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require a list of your regular recurring payments for the last 13 months, you can contact us and we will provide details of transactions that the merchant has identified as recurring.

Remember to also update your mobile wallets

If you use Apple Pay6, Samsung Pay7, then update your mobile wallet with your renewal card details so you can ensure your payments are made with ease.

Apple Pay Samsung Pay

FAQs

Expand all sections

Why are you replacing my existing card?

Your existing card is scheduled to expire soon. When it does, it will be replaced with a Mastercard, instead of a Visa. We continually look for ways to provide the best credit card features and benefits to you and believe that the switch to Mastercard will enable us to do this. We sent you the notice in advance because we want to make this transition as seamless as possible for you - with minimal disruption.

Why are you changing my Visa to Mastercard?

We have entered into a strategic partnership with Mastercard as Mastercard has been core to our business for decades, enabling effortless, secure payments for millions of our cardholders around the world. With the growth of this partnership, we are converting Citi credit cards to Mastercard.

Following the switch to Mastercard, your features and benefits continue with your card including:

  • Card benefits provided by us
  • Annual fees (if applicable to your existing card)
  • Interest rates
  • Card PIN and telephone PIN
  • Citi Online login and access
  • Citi Mobile® App access
  • Rewards Program1 (if applicable to your existing card)
  • Any complimentary insurance3a,3b associated with your existing card
  • Access to Citi Instalment Plans4 and Citi PayAll.5

What's new with your card?

  • Card number and account number
  • Card expiry and CVV (Card Verification Code)

I already have (a) Mastercard credit card(s)?

It is perfectly fine to have more than one Mastercard. Your Mastercard will currently continue with your existing fees and benefits as your existing Visa card. Some people prefer to put different types of expenses on each card – for example, they might put household expenses on one card and entertainment on another.

Is Citi ending its relationship with Visa?

Citi remains a member of Visa and will continue to service Citi Visa customers and as they come up for card renewal they will be converted to Mastercard.

Why can’t I just go back to Visa?

We apologise for any inconvenience caused. We request that you continue with your relationship with us through Mastercard so we can provide you with the best credit card features and benefits as we will no longer be issuing Visa cards for your product.

Do you still offer Visa cards?

Yes, some Visa cards will continue to be issued.

Will I be able to use my Mastercard credit card in as many places as my Visa card?

Mastercard and Visa are both accepted in millions of locations across the world. Additional details are available at Mastercard.us

With Mastercard you can enjoy global acceptance at over 47 million merchants in more than 210 countries.

Will this switch to Mastercard cost me anything?

No, there is no cost to you by switching to Mastercard.

Do my credit terms or interest rate change?

As a result of the switch to Mastercard, your current interest rates and other credit card terms and conditions will continue.

When will my credit card change to a Mastercard?

You can expect to receive your new card approximately 40 days before your existing Visa card expires. We will contact you by letter, email or SMS to share more details when you are getting close to your card expiry date.

Do I need to do anything now before my Mastercard arrives in the mail?

No - simply continue to use your Visa card as usual until your new Mastercard arrives in the mail. Then all you need to do is activate your new Mastercard either online or over the phone and you will be ready to use it.

If you have any additional cardholders, they will also receive a new Mastercard and they can activate their card after the primary card is activated first.

To ensure a recurring payment is not declined, once you receive your card, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require the full list of all your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

Can I use my Visa card after I activate my Mastercard?

You should start using your Mastercard once activated. Your Visa card will no longer continue to work after your Mastercard card is activated. Please note, if you have any additional cardholders, they will also receive a new Mastercard and they can activate their card after the primary card is activated first.

What will change on my new Mastercard?

  • The following will change for you:

    • Expiry date
    • CVV (Card Verification Value)
    • Card number and account number

  • The following will continue:

    • Card benefits provided by us
    • Annual fees (if applicable to your existing card)
    • Interest rates
    • Card PIN and telephone PIN
    • Citi Online login and access
    • Citi Mobile® App access
    • Reward Program1 (if applicable on your existing card)
    • Any complimentary insurance3a,3b associated with your existing card
    • Access to Citi Instalment Plans4 and Citi PayAll.5

I have an additional card on my account. Will I also receive a card for this?

If you have an additional card/s, your additional cardholder/s will receive a new Mastercard at the same time as your primary Mastercard. Please ensure that you activate your primary card before your additional cardholder/s activates their card/s.

Can I add an additional cardholder to my new Mastercard?

Yes. After you receive your Mastercard, contact the customer service number listed on the back and we will be happy to assist you.

Will my Personal Identification Number (PIN) change?

No. Your Card PIN, used for making cash advances and for withdrawing funds from an Automated Teller Machine (ATM), will not change as a result of this change to Mastercard. Your Telephone PIN also remains the same.

I have set up automatic payments with a couple of merchants. Will these be automatically switched over too?

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card. Remember to also update any digital wallets with your new card details.

If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

When can I change my recurring payments information?

As soon as you receive your Mastercard and activate it, you can change any recurring payments you may have to your new Mastercard using the 16-digit card number, expiry date and CVV code (Card Verification Value).

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

Will my Mastercard have contactless payment technology?

Yes, your Citi Mastercard will have contactless technology enabled. It will also contain an EMV chip, so that you can use it conveniently at all your favourite merchants.

Can I use my Mastercard on Apple Pay / Samsung Pay?

Yes. As long as your previous card was eligible with these services, you can use your card on Apple Pay6 or Samsung Pay7. Just remember to update your card details in your respective digital wallets.

Where can I see my latest transactions online?

All your credit card information as usual will be available on Citi Online and the Citi Mobile® App.

Why do I have a balance on the Mastercard when I have not made any purchases?

Part of the conversion process includes moving your outstanding balance from the Visa to your renewal Mastercard. Please note, this is a transferred balance and not a duplication of the outstanding balance.

Which card should I make my payments to?

You can make your payment for your statement period on either account and it will post properly. However, once you activate your Mastercard, we recommend you should make payments for your statement period to the Mastercard moving forward, given that is your new card number.

Will all of my card online settings from my old credit card transfer to Mastercard?

Yes, account online settings will transfer across to the Mastercard. Please note your Citi Online access and Citi Mobile® App access will remain the same.

It is an inconvenience having to update my card details on all my merchants.

We apologise for any inconvenience caused. To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

Should I keep my Visa card in case I have to make a return?

There is no need to retain the card. If you have a return, the merchant should be able to put the credit from the purchase made on the Visa onto the Mastercard instead; given it is the card that has replaced your old Visa card.

I'm on my Citi Mobile® App and I can't see my current card details. Do you know why? Is everything alright with my card?

Since your card was changed to a Mastercard when it expired, you will no longer see the Visa account on the Citi Mobile® App; however, you should be able to view the new Mastercard. You can also access your account via Citi Online for more information.

Can I change my payment due date?

Your payment due date will not change as a result of this switch to Mastercard. If you want to change the date after you receive your new Mastercard, please contact us and we can assist you.

Will there be any system downtime when the card is being converted?

Yes, there may be a period where certain functions such as reward redemptions or Citi Online and Citi Mobile® App access etc. will temporarily experience an outage while the conversion from Visa to Mastercard occurs. This downtime may be around 24-48 hours of your card expiry date. Please ensure you access your account before your card expiry to avoid any inconvenience.

Will this conversion impact my credit bureau/ credit score?

No it won't, we are simply changing your current Visa to a Mastercard. This change will not impact your credit score.

What do I need to do when I receive my new Mastercard?

When it arrives all you need to do is activate the card via the Citi Mobile® App or via Citi Online. Follow the activation instructions as outlined on your card and card carrier. If you have any additional cardholders, they will also receive a new Mastercard. Please ensure you activate your card before they do.

Will all my reward Points come over from my Visa card?

You will not lose any reward Points1 as a result of this change. They will be migrated across to your new Mastercard.

Why do I see a Mastercard under my online profile?

We have recently converted your account from a Visa to a Mastercard. During this conversion process, your Visa account has been transferred to a Mastercard account. Once you activate your Mastercard, your Visa card will be closed but still available via Citi Online and the Citi Mobile® App to view previous statements.

Part of the conversion process includes moving your outstanding balance from your Visa to your renewal Mastercard. Please note, this is a transferred balance and not a duplication of the outstanding amount.

In the month before your Visa card expires you will be automatically issued with a Mastercard if your account remains open and in good standing (for example – your account is not in default, suspended or closed). Once issued, all transactions made on your Visa card will appear under your new Mastercard account.

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

What has changed with my Priority PassTM Membership?

If you currently hold a Priority Pass4 Membership Card this will automatically expire 6 weeks after your renewal Mastercard is issued.

Instead of having a physical card you will be required to enrol/activate your Digital Membership Card by following these steps:

  •  1. Download the Priority Pass TM App via your Apple App Store or Get it on Google Play
  • 2. Visit prioritypass.com/premieraumc
  • 3. Enter Invitation Code CTPRM331
  • 4. Complete the digital form, including your Citi Premier Card details.

You will be automatically enrolled into the Priority PassTM Membership with a Digital Membership Card which can be accessed via the Priority Pass TM mobile app.

For more information on your Priority Pass Membership, visit prioritypass.com or call Priority Pass on +852 2866 1964.

Important Information

  1. 1. Citi Rewards Program: All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Citi Premier Credit Card earns 2 Points per $1 for Eligible Transactions made online, 1 Point per $1 spent everywhere else on eligible Domestic Spend and 2 Points per $1 spent on eligible International Spend. The points earn is capped at 200,000 points over a 12 month period. The Citi Premier Card earns 1 Point per $1 on Citi PayAll payments. Citi PayAll Payments are for Domestic Spend only, International Spend is excluded. 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. Points do not expire while the card remains open and in good standing (for example – your account is not in default, suspended or closed).

    Citi Qantas Rewards Program: All rewards are subject to the Terms and Conditions of the Citi Qantas Rewards Program. Citi Premier Qantas Credit Card earns 1 Point per $1 for Eligible Transactions made online, 0.5 Point per $1 spent everywhere else on eligible Domestic Spend and 1 Point per $1 spent on eligible International Spend. The points earn is capped at 100,000 points over a 12 month period. The Citi Premier Qantas Card earns 0.5 Points per $1 on Citi PayAll payments. Citi PayAll Payments are for Domestic Spend only, International Spend is excluded. 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. Points do not expire while the card remains open and in good standing  (for example – your account is not in default, suspended or closed). Qantas Points are defined in the Citi Rewards and Citi Qantas Rewards Program Terms and Conditions as Qantas Frequent Flyer Points. Qantas Points are earned in accordance with the Citi Qantas Rewards Program Terms and Conditions. You must be a member of the Qantas Frequent Flyer Program and have advised us of your Qantas Frequent Flyer Program membership number before you can participate in Citi Qantas Rewards. You will only earn Qantas Frequent Flyer Points after you advise us of your Qantas Frequent Flyer Program membership number. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions, available at qantas.com/terms. Your Rewards Balance will be automatically redeemed for Qantas Frequent Flyer Points at the end of each Statement Period. It may take 28 business days for the Qantas Frequent Flyer Points to appear in your Qantas Frequent Flyer membership account.

    Transactions made indirectly with the online merchants (e.g. through a third party provider such as BPAY and PayPal), mobile wallet or recurring payments are not eligible for the higher earn rate. Please note, a transaction qualifies as an Eligible Transaction made online if it is made via the internet or a mobile application, which is reflected as an online transaction by system indicators and processed by the respective merchants/ acquirers as an online transaction through Visa/Mastercard networks. If a transaction with an online merchant is not classified as an online transaction by the card scheme, it will not be treated as an online transaction for calculating Points. The annual cap will reset on your next statement cycle date following the anniversary of your enrolment to your Rewards program. Please click here for the full definition of Eligible Transactions. The cap includes Points earned on Domestic and International spend.

  2. 2. Lounge Access: One complimentary digital Priority PassTM Standard Membership, with two complimentary lounge visits, for the primary cardholder is a Special Feature of the Citi Premier Card. Citi Premier Cardholders must enrol for the Priority Pass Standard Membership at www.prioritypass.com/premieraumc and follow the prompts. You will need to download the Priority PassTM App via the Apple App Store or get it on the Google Play Store to access your Digital Membership Card. The first two visits within each 12 month membership period from registration (membership year) are complimentary to the primary cardholder only, after which any additional visits by you and visits by your guests will be charged directly to you by Priority Pass at their ordinary standard rates. 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 Premier Cardholder. The membership is subject to the Priority PassTM Conditions of Use. Please note that within Australia, Priority Pass is available at select airports. For the full list of up to date airport lounges and Priority PassTM Conditions of Use please refer to www.prioritypass.com

  3. 3a. Complimentary Mobile Phone Insurance: Mobile Phone Protection Insurance (Cover) is provided under and by way of a group policy (Group Policy) issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”)This Cover is available to Cardholders ("you/your") while you remain an eligible Mastercard and/or Visa cardholder of NAB, subject to NAB’s and AIG's right to alter the Cover. The terms, conditions and excluded cover are specified in ‘Citi Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions’ as amended from time to time). When eligible, you have the benefit of cover as a third party beneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. Neither Citi nor NAB is the issuer or insurer of the Cover. Neither Citi nor NAB nor any of its related corporations guarantee any of the benefits under the Cover.

    3b. Other Complimentary Insurance: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB") which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi"). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

  4. 4. Citi Instalment Plans: Citi Instalment Plan is defined in the Credit Card Terms and Conditions as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing  (for example – your account is not in default, suspended or closed). For the full terms and conditions that apply to Fixed Payment Options, please refer to the Credit Card Terms and Conditions and Other Important Information.

  5. 5. Citi PayAll: offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). Set up Citi PayAll payment instructions using the Citi Mobile® App or in any other way we tell you that you can make a Citi PayAll payment. This is an amount you authorise us to pay once or on a regular basis from your account to another bank account held with an Australian financial institution (other than through BPAY®). This must be not less than 7 days from the date the Citi PayAll payment is set up, and if there is more than one payment to be made, the number and frequency of the payments and period over which they are to be made, you must ensure these details are correct. All Citi PayAll payments and Citi PayAll Fees we charge to your account will be added to the retail purchase balance and the Retail APR will apply to them. Citi PayAll payments are charged at the retail purchase rate applicable to your account and are only available on Citi PayAll payments outlined in the Credit Card Terms and Conditions and Other Important Information. The Citi PayAll fee is currently 0.95% and is part of your Terms and Conditions including your Financial Table. This fee is set at the point of scheduling your Citi PayAll payment, applies for the duration the Citi PayAll payments are scheduled and is charged to your account each time a Citi PayAll payment is made. Please note the promotional offer of the 0% PayAll fee ended on 31 October 2023. For more information please refer to Citi PayAll fees by visiting Citi Credit Card Fees and Charges (citibank.com.au). Please note, there are limits on the Citi PayAll payments you can make in a period. Details of these limits can be found at citibank.com.au/payall-limits. These limits may change from time to time. For the full terms and conditions of Citi PayAll, please refer to the Credit Card Terms and Conditions and Other Important Information.

  6. 6. Apple Pay: 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.

  7. 7. Samsung Pay: Only Gear devices bought in Australia will support Samsung Pay on Gear in Australia. Samsung Pay on Gear needs to be authenticated each time the Gear smartwatch is put on and requires a periodic connection to a compatible smartphone with internet access and Samsung Pay installed. Samsung Pay for Gear only available on NFC terminals with Gear S2 and NFC and MST terminals with Gear S3. For more information visit https://www.citibank.com.au/samsungpay/

More Less
Discover the Citi Prestige® Card.

Discover the Citi Prestige® Card.

What continues with your card?

Access to your Reward Program
Access to your
Rewards Program1
Learn more
4th night free when you book 4 consecutive nights at a hotel
4th night free when you book
4 consecutive nights at a hotel2
Learn more
Luxury Transfer
Luxury
Transfer3
Learn more
Priority Pass membership and unlimited lounge visits
Priority PassTM membership and
unlimited lounge visits4
Learn more
Complimentary Insurances
Complimentary
Insurances5a,5b
Learn more
Earn reward Points with your Citi Prestige Card

Earn reward Points1 with your
Citi Prestige Card

If your Citi Prestige Card is linked to the Citi Rewards Program you will earn:

  • 3 Points per $1 for selected domestic purchases made and booked directly from a range of major: restaurants and restaurant chains, hotel chains, airlines (flights only), travel agencies and travel aggregators
  • 3 Points per $1 spent on eligible International Spend
  • 2 Points per $1 for selected domestic purchases made at major petrol outlets, major supermarkets and major national retailers
  • 1 Point per $1 spent everywhere else on domestic Eligible Transactions

If your Citi Prestige Card is linked to the Qantas Frequent Flyer Program you will earn:

  • 1.5 Qantas Points per $1 for selected domestic purchases made and booked directly from a range of major: restaurants and restaurant chains, hotel chains, airlines (flights only), travel agencies and travel aggregators
  • 1.5 Qantas Points per $1 spent on eligible International Spend
  • 1 Qantas Points per $1 for selected domestic purchases made at major petrol outlets, major supermarkets and major national retailers
  • 0.5 Qantas Points per $1 spent everywhere else on domestic Eligible Transactions
Stay an extra night on us

Stay an extra night on us2

Get your 4th night free at any hotel worldwide when you stay for 4 consecutive nights, available up to 4 times a year.

Arrive in Luxury

Arrive in Luxury3

Whether your trip is for business or pleasure, you can look forward to a complimentary 24/7 transfer up to the value of $100 in selected cities across Australia. With a variety of luxury cars to choose from, all you need to do is relax and enjoy the ride.

Priority Pass Membership

Priority Pass™ Membership4

Access a complimentary Priority PassTM membership and unlimited lounge visits for you and one guest.4

We’ve got you covered

We've got you covered5a, 5b

Complimentary insurances5a, 5b on your Citi Prestige Card.

Your insurance includes:

  • Complimentary Mobile Phone Insurance5a
  • International Travel Insurance5b
  • Domestic Travel Insurance5b
  • Purchase Protection Insurance5b
  • Extended Warranty Insurance5b
Learn more

What's new with your card?

Card and account number
Card and
account number
Expiry date
Expiry date
CVV
CVV
(Card Verification Value)

Welcome to the world of Mastercard.®

Experience the convenience of a card that is accepted at over 47 million merchants in more than 210 countries and territories.

World Elite Mastercard

World EliteTM Mastercard

You also have access to World EliteTM Mastercard offering you personalised service and rewards around the world.

Find out more

What you need to do

You and any additional cardholders will receive a renewal Mastercard before your current card expires.*

When you receive it, simply activate it to access your card benefits. If you are an Additional Cardholder, the Primary Cardholder is required to activate their card first.

How to activate your card?

To ensure a recurring payment is not declined, you will need to update your card details with the merchants.

How to update your recurring payments?
Activating your new Mastercard is quick and easy

Activating your new Mastercard is quick and easy

Simply scan the QR code on the card or download the Citi Mobile® App and follow the instructions to activate your card now.

Activate your card now, to access your card benefits.

For other ways to activate your card:

Visit citibank.com.au/activate-card/

Update your recurring payments

Update your recurring payments

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require a list of your regular recurring payments for the last 13 months, you can contact us and we will provide details of transactions that the merchant has identified as recurring.

Remember to also update your mobile wallets

If you use Apple Pay6, Samsung Pay7, then update your mobile wallet with your renewal card details so you can ensure your payments are made with ease.

Apple Pay Samsung Pay

FAQs

Expand all sections

Why are you replacing my existing card?

Your existing card is scheduled to expire soon. When it does, it will be replaced with a Mastercard, instead of a Visa. We continually look for ways to provide the best credit card features and benefits to you and believe that the switch to Mastercard will enable us to do this. We sent you the notice in advance because we want to make this transition as seamless as possible for you - with minimal disruption.

Why are you changing my Visa to Mastercard?

We have entered into a strategic partnership with Mastercard as Mastercard has been core to our business for decades, enabling effortless, secure payments for millions of our cardholders around the world. With the growth of this partnership, we are converting Citi credit cards to Mastercard.

Following the switch to Mastercard, your features and benefits continue with your card including:

  • Card benefits provided by us
  • Annual fees (if applicable to your existing card)
  • Interest rates
  • Card PIN and telephone PIN
  • Citi Online login and access
  • Citi Mobile® App access
  • Rewards Program1 (if applicable to your existing card)
  • Any complimentary insurance5a,5b associated with your existing card
  • Access to the Citi Instalment Plans8 and Citi PayAll.9

What's new with your card?

  • Card number and account number
  • Card expiry and CVV (Card Verification Code)
  • As a Citi Prestige customer you will also get access to World EliteTM Mastercard® offering you personalised service and rewards so you can experience memorable moments around the world. To learn more visit specials.priceless.com.

I already have (a) Mastercard credit card(s)?

It is perfectly fine to have more than one Mastercard. Your Mastercard will currently continue with your existing fees and benefits as your existing Visa card. Some people prefer to put different types of expenses on each card – for example, they might put household expenses on one card and entertainment on another.

Is Citi ending its relationship with Visa?

Citi remains a member of Visa and will continue to service Citi Visa customers and as they come up for card renewal they will be converted to Mastercard.

Why can’t I just go back to Visa?

We apologise for any inconvenience caused. We request that you continue with your relationship with us through Mastercard so we can provide you with the best credit card features and benefits as we will no longer be issuing Visa cards for your product.

Do you still offer Visa cards?

Yes, some Visa cards will continue to be issued.

Will I be able to use my Mastercard credit card in as many places as my Visa card?

Mastercard and Visa are both accepted in millions of locations across the world. Additional details are available at Mastercard.us

With Mastercard you can enjoy global acceptance at over 47 million merchants in more than 210 countries.

Will this switch to Mastercard cost me anything?

No, there is no cost to you by switching to Mastercard.

Do my credit terms or interest rate change?

As a result of the switch to Mastercard, your current interest rates and other credit card terms and conditions will continue.

When will my credit card change to a Mastercard?

You can expect to receive your new card approximately 40 days before your existing Visa card expires. We will contact you by letter, email or SMS to share more details when you are getting close to your card expiry date.

Do I need to do anything now before my Mastercard arrives in the mail?

No - simply continue to use your Visa card as usual until your new Mastercard arrives in the mail. Then all you need to do is activate your new Mastercard either online or over the phone and you will be ready to use it.

If you have any additional cardholders, they will also receive a new Mastercard and they can activate their card after the primary card is activated first.

To ensure a recurring payment is not declined, once you receive your card, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require the full list of all your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

Can I use my Visa card after I activate my Mastercard?

You should start using your Mastercard once activated. Your Visa card will no longer continue to work after your Mastercard card is activated. Please note, if you have any additional cardholders, they will also receive a new Mastercard and they can activate their card after the primary card is activated first.

What will change on my new Mastercard?

  • The following will change for you:

    • Expiry date
    • CVV (Card Verification Value)
    • Card number and account number
    • Also as a Citi Prestige customer you will also get access to World EliteTM Mastercard® offering you personalised service and rewards so you can experience memorable moments around the world. To learn more visit specials.priceless.com.

  • The following will continue:

    • Card benefits provided by us
    • Annual fees (if applicable to your existing card)
    • Interest rates
    • Card PIN and telephone PIN
    • Citi Online login and access
    • Citi Mobile® App access
    • Reward Program1 (if applicable on your existing card)
    • Any complimentary insurance5a,5b associated with your existing card
    • Access to the Citi Instalment Plans8 and Citi PayAll.9

I have an additional card on my account. Will I also receive a card for this?

If you have an additional card/s, your additional cardholder/s will receive a new Mastercard at the same time as your primary Mastercard. Please ensure that you activate your primary card before your additional cardholder/s activates their card/s.

Can I add an additional cardholder to my new Mastercard?

Yes. After you receive your Mastercard, contact the customer service number listed on the back and we will be happy to assist you.

Will my Personal Identification Number (PIN) change?

No. Your Card PIN, used for making cash advances and for withdrawing funds from an Automated Teller Machine (ATM), will not change as a result of this change to Mastercard. Your Telephone PIN also remains the same.

I have set up automatic payments with a couple of merchants. Will these be automatically switched over too?

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card. Remember to also update any digital wallets with your new card details.

If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

When can I change my recurring payments information?

As soon as you receive your Mastercard and activate it, you can change any recurring payments you may have to your new Mastercard using the 16-digit card number, expiry date and CVV code (Card Verification Value).

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

Will my Mastercard have contactless payment technology?

Yes, your Citi Mastercard will have contactless technology enabled. It will also contain an EMV chip, so that you can use it conveniently at all your favourite merchants.

Can I use my Mastercard on Apple Pay / Samsung Pay?

Yes. As long as your previous card was eligible with these services, you can use your card on Apple Pay6 or Samsung Pay7. Just remember to update your card details in your respective digital wallets.

Where can I see my latest transactions online?

All your credit card information as usual will be available on Citi Online and the Citi Mobile® App.

Why do I have a balance on the Mastercard when I have not made any purchases?

Part of the conversion process includes moving your outstanding balance from the Visa to your renewal Mastercard. Please note, this is a transferred balance and not a duplication of the outstanding balance.

Which card should I make my payments to?

You can make your payment for your statement period on either account and it will post properly. However, once you activate your Mastercard, we recommend you should make payments for your statement period to the Mastercard moving forward, given that is your new card number.

Will all of my card online settings from my old credit card transfer to Mastercard?

Yes, account online settings will transfer across to the Mastercard. Please note your Citi Online access and Citi Mobile® App access will remain the same.

It is an inconvenience having to update my card details on all my merchants.

We apologise for any inconvenience caused. To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

Should I keep my Visa card in case I have to make a return?

There is no need to retain the card. If you have a return, the merchant should be able to put the credit from the purchase made on the Visa onto the Mastercard instead; given it is the card that has replaced your old Visa card.

I'm on my Citi Mobile® App and I can't see my current card details. Do you know why? Is everything alright with my card?

Since your card was changed to a Mastercard when it expired, you will no longer see the Visa account on the Citi Mobile® App; however, you should be able to view the new Mastercard. You can also access your account via Citi Online for more information.

Can I change my payment due date?

Your payment due date will not change as a result of this switch to Mastercard. If you want to change the date after you receive your new Mastercard, please contact us and we can assist you.

Will there be any system downtime when the card is being converted?

Yes, there may be a period where certain functions such as reward redemptions or Citi Online and Citi Mobile® App access etc. will temporarily experience an outage while the conversion from Visa to Mastercard occurs. This downtime may be around 24-48 hours of your card expiry date. Please ensure you access your account before your card expiry to avoid any inconvenience.

Will this conversion impact my credit bureau/ credit score?

No it won't, we are simply changing your current Visa to a Mastercard. This change will not impact your credit score.

What do I need to do when I receive my new Mastercard?

When it arrives all you need to do is activate the card via Citi Mobile® App or via Citi Online. Follow the activation instructions as outlined on your card and card carrier. If you have any additional cardholders, they will also receive a new Mastercard. Please ensure you activate your card before they do.

Will all my reward Points come over from my Visa card?

You will not lose any reward Points1 as a result of this change. They will be migrated across to your new Mastercard.

Why do I see a Mastercard under my online profile?

We have recently converted your account from a Visa to a Mastercard. During this conversion process, your Visa account has been transferred to a Mastercard account. Once you activate your Mastercard, your Visa card will be closed but still available via Citi Online and Citi Mobile® App to view previous statements.

Part of the conversion process includes moving your outstanding balance from your Visa to your renewal Mastercard. Please note, this is a transferred balance and not a duplication of the outstanding amount.

In the month before your Visa card expires you will be automatically issued with a Mastercard if your account remains open and in good standing (for example – your account is not in default, suspended or closed). Once issued, all transactions made on your Visa card will appear under your new Mastercard account.

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

What has changed with my Priority PassTM Membership?

If you currently hold a Priority Pass4 Membership Card this will automatically expire 6 weeks after your renewal Mastercard is issued.

Instead of having a physical card you will be required to enrol/activate your Digital Membership Card by following these steps:

  •  1. Download the Priority Pass TM App via your Apple App Store or Get it on Google Play
  • 2. Visit prioritypass.com/prestigeaumc
  • 3. Enter Invitation Code CTPRSG333
  • 4. Complete the digital form, including your Citi Prestige Card details.

You will be automatically enrolled into the Priority PassTM Membership with a Digital Membership Card which can be accessed via the Priority Pass TM mobile app.

For more information on your Priority Pass Membership, visit prioritypass.com or call Priority Pass on +852 2866 1964.

Important Information

  1. 1. Citi Rewards Program: 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. For further information on the points earn, please refer to the Citi Rewards Terms and Conditions. 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 (for example – your account is not in default, suspended or closed).

    Citi Qantas Rewards Program: All rewards are subject to the Terms and Conditions of the Citi Qantas Rewards Program. Qantas Points are defined in the Citi Rewards and Citi Qantas Rewards Program Terms and Conditions as Qantas Frequent Flyer Points. Qantas Points are earned in accordance with the Citi Qantas Rewards Program Terms and Conditions. You must be a member of the Qantas Frequent Flyer Program and have advised us of your Qantas Frequent Flyer Program membership number before you can participate in Citi Qantas Rewards. You will only earn Qantas Frequent Flyer Points after you advise us of your Qantas Frequent Flyer Program membership number. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions, available at qantas.com/terms. Your Rewards Balance will be automatically redeemed for Qantas Frequent Flyer Points at the end of each Statement Period. It may take 28 business days for the Qantas Frequent Flyer Points to appear in your Qantas Frequent Flyer membership account.

  2. 2. 4th Night Free: 4th night free benefit is capped at 4 redemptions in a calendar year. 4th night free 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. 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. 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 the full Terms and Condition for further information.

  3. 3. Luxury Transfer Service: Special feature of the Citi Prestige Credit Card. The primary cardholder is entitled to one complimentary transfer up to the value of $100 in selected cities in Australia. A return trip can be booked in the one transfer, however the return trip must be to and from the same address and be on the same day. Luxury transfer service is capped at one redemption per calendar year and is renewed each year unless specified otherwise. Luxury transfer service must be booked by the primary cardholder, or an additional cardholder on behalf of the primary cardholder. Additional charges apply to baby seats, wait time and additional kilometres. Luxury transfer imposes limits on the number of passengers per car and/or the number of pieces of luggage per passenger. Any charges above the $100 allowance are to be borne by the cardholder. Any unused amount will be forfeited. All bookings are subject to availability. Booking for the services must be made at least 48 hours prior to commencement of travel. Please refer to the full Terms and Conditions for further information.

  4. 4. Lounge Access: One complimentary digital Priority PassTM Membership, with unlimited lounge visits, for the primary cardholder is a Special Feature of the Citi Prestige Card. Citi Prestige Credit Cardholders must enrol for the Priority Pass Standard Membership at www.prioritypass.com/prestigeaumc. The primary cardholder may bring one guest for free per visit. Any additional guests will be charged directly by the lounge. You will need to download the Priority PassTM App via the Apple App Store or get it on the Google Play Store to access your Digital Membership Card. The membership is subject to the Priority PassTM Conditions of Use. Please note that within Australia, Priority Pass is available at select airports. For the full list of up to date airport lounges and Priority PassTM Conditions of Use please refer to www.prioritypass.com Or please refer to the full Terms and Condition for further information.

  5. 5a. Complimentary Mobile Phone Insurance: Mobile Phone Protection Insurance (Cover) is provided under and by way of a group policy (Group Policy) issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”)This Cover is available to Cardholders ("you/your") while you remain an eligible Mastercard and/or Visa cardholder of NAB, subject to NAB’s and AIG's right to alter the Cover. The terms, conditions and excluded cover are specified in ‘Citi Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions’ as amended from time to time). When eligible, you have the benefit of cover as a third party beneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. Neither Citi nor NAB is the issuer or insurer of the Cover. Neither Citi nor NAB nor any of its related corporations guarantee any of the benefits under the Cover.

  6. 5b. Other Complimentary Insurance: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB") which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi"). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

  7. 6. Apple Pay: 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.

  8. 7. Samsung Pay: Only Gear devices bought in Australia will support Samsung Pay on Gear in Australia. Samsung Pay on Gear needs to be authenticated each time the Gear smartwatch is put on and requires a periodic connection to a compatible smartphone with internet access and Samsung Pay installed. Samsung Pay for Gear only available on NFC terminals with Gear S2 and NFC and MST terminals with Gear S3. For more information visit https://www.citibank.com.au/samsungpay/

  9. 8. Citi Instalment Plans: Citi Instalment Plan is defined in the Credit Card Terms and Conditions as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). For the full terms and conditions that apply to Fixed Payment Options, please refer to the Credit Card Terms and Conditions and Other Important Information.

  10. 9. Citi PayAll: offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). Set up Citi PayAll payment instructions using the Citi Mobile® App or in any other way we tell you that you can make a Citi PayAll payment. This is an amount you authorise us to pay once or on a regular basis from your account to another bank account held with an Australian financial institution (other than through BPAY®). This must be not less than 7 days from the date the Citi PayAll payment is set up, and if there is more than one payment to be made, the number and frequency of the payments and period over which they are to be made, you must ensure these details are correct. All Citi PayAll payments and Citi PayAll Fees we charge to your account will be added to the retail purchase balance and the Retail APR will apply to them. Citi PayAll payments are charged at the retail purchase rate applicable to your account and are only available on Citi PayAll payments outlined in the Credit Card Terms and Conditions and Other Important Information. The Citi PayAll fee is currently 0.95% and is part of your Terms and Conditions including your Financial Table. This fee is set at the point of scheduling your Citi PayAll payment, applies for the duration the Citi PayAll payments are scheduled and is charged to your account each time a Citi PayAll payment is made. Please note the promotional offer of the 0% PayAll fee ended on 31 October 2023. For more information please refer to Citi PayAll fees by visiting Citi Credit Card Fees and Charges (citibank.com.au). Please note, there are limits on the Citi PayAll payments you can make in a period. Details of these limits can be found at citibank.com.au/payall-limits. These limits may change from time to time. For the full terms and conditions of Citi PayAll, please refer to the Credit Card Terms and Conditions and Other Important Information.

More Less
Meet the Citi Simplicity Card

Meet the Citi Simplicity® Card.

What continues with your card?

No annual fee and no late payment fee
No annual fee and no
late payment fee
Learn more
Complimentary insurances
Complimentary
insurances1
Learn more
Citi Instalment Plans
Citi Instalment
Plans2
Learn more
Citi PayAll
Citi PayAll. 3
Learn more
No annual fee and no late payment fee

No annual fee and no late payment fee

Enjoy no annual fee, and no late payment fee on the Citi Simplicity Card, keeping it simple.

We’ve got you covered

We’ve got you covered1

Complimentary insurances1 on your Citi Simplicity Card. .


Your insurance includes:

  • Purchase Protection Insurance
  • Extended Warranty Insurance
Learn more
Citi Instalment Plans

Citi Instalment Plans2

Citi Instalment Plans make it easier to pay for life's expenses, whatever they are and whenever they crop up. You can break purchases into smaller, more manageable monthly repayments at a fixed rate over a set term.2.


Learn more
Citi PayAll

Citi PayAll3

Pay your rent, taxes, education fees and more with your Citi credit card. The Citi PayAll fee is currently 0.95% as outlined in the Financial Table and is set at the point of scheduling your Citi PayAll payment.

Learn more

What’s new with your card?

Card and account number
Card and
account number
Expiry date
Expiry date
CVV
CVV
(Card Verification Value)

What you need to do

You and any additional cardholders will receive a renewal Mastercard before your current card expires.*

When you receive it, simply activate it to access your card benefits. If you are an Additional Cardholder, the Primary Cardholder is required to activate their card first.

How to activate your card?

To ensure a recurring payment is not declined, you will need to update your card details with the merchants.

How to update your recurring payments?
Activating your new Mastercard is quick and easy

Activating your new Mastercard is quick and easy

Simply scan the QR code on the card or download the Citi Mobile® App and follow the instructions to activate your card now.

Activate your card now, to access your card benefits.

For other ways to activate your card:

Visit citibank.com.au/activate-card/

Update your recurring payments

Update your recurring payments

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require a list of your regular recurring payments for the last 13 months, you can contact us and we will provide details of transactions that the merchant has identified as recurring.

Remember to also update your mobile wallets

If you use Apple Pay4, Samsung Pay5, then update your mobile wallet with your renewal card details so you can ensure your payments are made with ease.

Apple Pay Samsung Pay

FAQs

Expand all sections

Why are you replacing my existing card?

Your existing card is scheduled to expire soon. When it does, it will be replaced with a Mastercard, instead of a Visa. We continually look for ways to provide the best credit card features and benefits to you and believe that the switch to Mastercard will enable us to do this. We sent you the notice in advance because we want to make this transition as seamless as possible for you - with minimal disruption.

Why are you changing my Visa to Mastercard?

We have entered into a strategic partnership with Mastercard as Mastercard has been core to our business for decades, enabling effortless, secure payments for millions of our cardholders around the world. With the growth of this partnership, we are converting Citi credit cards to Mastercard.

Following the switch to Mastercard, your Citi provided features and benefits continue with your card including:

  • Card benefits provided by us
  • Annual fees (if applicable to your existing card)
  • Interest rates
  • Card PIN and telephone
  • Citi Online login and access
  • Citi Mobile® App access
  • Any complimentary insurance1 associated with your existing card
  • Access to Citi Instalment Plans2 and Citi PayAll.3

What's new with your card?

  • Card number and account number
  • Card expiry and CVV (Card Verification Code)

I already have (a) Mastercard credit card(s)?

It is perfectly fine to have more than one Mastercard. Your Mastercard will currently continue with your existing fees and benefits as your existing Visa card. Some people prefer to put different types of expenses on each card – for example, they might put household expenses on one card and entertainment on another.

Is Citi ending its relationship with Visa?

Citi remains a member of Visa and will continue to service Citi Visa customers and as they come up for card renewal they will be converted to Mastercard.

Why can’t I just go back to Visa?

We apologise for any inconvenience caused. We request that you continue with your relationship with us through Mastercard so we can provide you with the best credit card features and benefits as we will no longer be issuing Visa cards for your product.

Do you still offer Visa cards?

Yes, some Visa cards will continue to be issued.

Will I be able to use my Mastercard credit card in as many places as my Visa card?

Mastercard and Visa are both accepted in millions of locations across the world. Additional details are available at Mastercard.us

With Mastercard you can enjoy global acceptance at over 47 million merchants in more than 210 countries.

Will this switch to Mastercard cost me anything?

No, there is no cost to you by switching to Mastercard.

Do my credit terms or interest rate change?

As a result of the switch to Mastercard, your current interest rates and other credit card terms and conditions will continue.

When will my credit card change to a Mastercard?

You can expect to receive your new card approximately 40 days before your existing Visa card expires. We will contact you by letter, email or SMS to share more details when you are getting close to your card expiry date.

Do I need to do anything now before my Mastercard arrives in the mail?

No - simply continue to use your Visa card as usual until your new Mastercard arrives in the mail. Then all you need to do is activate your new Mastercard either online or over the phone and you will be ready to use it.

If you have any additional cardholders, they will also receive a new Mastercard and they can activate their card after the primary card is activated first.

To ensure a recurring payment is not declined, once you receive your card, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require the full list of all your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

Can I use my Visa card after I activate my Mastercard?

You should start using your Mastercard once activated. Your Visa card will no longer continue to work after your Mastercard card is activated. Please note, if you have any additional cardholders, they will also receive a new Mastercard and they can activate their card after the primary card is activated first.

What will change on my new Mastercard?

  • The following will change for you:

    • Expiry date
    • CVV (Card Verification Value)
    • Card number and account number

  • The following will continue:

    • Card benefits provided by us
    • Annual fees (if applicable to your existing card)
    • Interest rates
    • Card PIN and telephone PIN
    • Citi Online login and access
    • Citi Mobile® App access
    • Any complimentary insurance1 associated with your existing card
    • Access to Citi Instalment Plans2 and Citi PayAll.3

I have an additional card on my account. Will I also receive a card for this?

If you have an additional card/s, your additional cardholder/s will receive a new Mastercard at the same time as your primary Mastercard. Please ensure that you activate your primary card before your additional cardholder/s activates their card/s.

Can I add an additional cardholder to my new Mastercard?

Yes. After you receive your Mastercard, contact the customer service number listed on the back and we will be happy to assist you.

Will my Personal Identification Number (PIN) change?

No. Your Card PIN, used for making cash advances and for withdrawing funds from an Automated Teller Machine (ATM), will not change as a result of this change to Mastercard. Your Telephone PIN also remains the same.

I have set up automatic payments with a couple of merchants. Will these be automatically switched over too?

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card. Remember to also update any digital wallets with your new card details.

If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

When can I change my recurring payments information?

As soon as you receive your Mastercard and activate it, you can change any recurring payments you may have to your new Mastercard using the 16-digit card number, expiry date and CVV code (Card Verification Value).

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

Will my Mastercard have contactless payment technology?

Yes, your Citi Mastercard will have contactless technology enabled. It will also contain an EMV chip, so that you can use it conveniently at all your favourite merchants.

Can I use my Mastercard on Apple Pay / Samsung Pay?

Yes. As long as your previous card was eligible with these services, you can use your card on Apple Pay4 or Samsung Pay5. Just remember to update your card details in your respective digital wallets.

Where can I see my latest transactions online?

All your credit card information as usual will be available on Citi Online and the Citi Mobile® App.

Why do I have a balance on the Mastercard when I have not made any purchases?

Part of the conversion process includes moving your outstanding balance from the Visa to your renewal Mastercard. Please note, this is a transferred balance and not a duplication of the outstanding balance.

Which card should I make my payments to?

You can make your payment for your statement period on either account and it will post properly. However, once you activate your Mastercard, we recommend you should make payments for your statement period to the Mastercard moving forward, given that is your new card number.

Will all of my card online settings from my old credit card transfer to Mastercard?

Yes, account online settings will transfer across to the Mastercard. Please note your Citi Online access and Citi Mobile® App access will remain the same.

It is an inconvenience having to update my card details on all my merchants.

We apologise for any inconvenience caused. To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

Should I keep my Visa card in case I have to make a return?

There is no need to retain the card. If you have a return, the merchant should be able to put the credit from the purchase made on the Visa onto the Mastercard instead; given it is the card that has replaced your old Visa card.

I'm on my Citi Mobile® App and I can't see my current card details. Do you know why? Is everything alright with my card?

Since your card was changed to a Mastercard when it expired, you will no longer see the Visa account on the Citi Mobile® App; however, you should be able to view the new Mastercard. You can also access your account via Citi Online for more information.

Can I change my payment due date?

Your payment due date will not change as a result of this switch to Mastercard. If you want to change the date after you receive your new Mastercard, please contact us and we can assist you.

Will there be any system downtime when the card is being converted?

Yes, there may be a period where certain functions such as reward redemptions or Citi Online and Citi Mobile® App access etc. will temporarily experience an outage while the conversion from Visa to Mastercard occurs. This downtime may be around 24-48 hours of your card expiry date. Please ensure you access your account before your card expiry to avoid any inconvenience.

Will this conversion impact my credit bureau/ credit score?

No it won't, we are simply changing your current Visa to a Mastercard. This change will not impact your credit score.

What do I need to do when I receive my new Mastercard?

When it arrives all you need to do is activate the card via the Citi Mobile® App or via Citi Online. Follow the activation instructions as outlined on your card and card carrier. If you have any additional cardholders, they will also receive a new Mastercard. Please ensure you activate your card before they do.

Why do I see a Mastercard under my online profile?

We have recently converted your account from a Visa to a Mastercard. During this conversion process, your Visa account has been transferred to a Mastercard account. Once you activate your Mastercard, your Visa card will be closed but still available via Citi Online and the Citi Mobile® App to view previous statements.

Part of the conversion process includes moving your outstanding balance from your Visa to your renewal Mastercard. Please note, this is a transferred balance and not a duplication of the outstanding amount.

In the month before your Visa card expires you will be automatically issued with a Mastercard if your account remains open and in good standing (for example – your account is not in default, suspended or closed). Once issued, all transactions made on your Visa card will appear under your new Mastercard account.

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

Important Information

  1. Complimentary Insurance: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB") which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi"). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

  2. Citi Instalment Plans: Citi Instalment Plan is defined in the Credit Card Terms and Conditions as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). For the full terms and conditions that apply to Fixed Payment Options, please refer to the Credit Card Terms and Conditions and Other Important Information.

  3. Citi PayAll: offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). Set up Citi PayAll payment instructions using the Citi Mobile® App or in any other way we tell you that you can make a Citi PayAll payment. This is an amount you authorise us to pay once or on a regular basis from your account to another bank account held with an Australian financial institution (other than through BPAY®). This must be not less than 7 days from the date the Citi PayAll payment is set up, and if there is more than one payment to be made, the number and frequency of the payments and period over which they are to be made, you must ensure these details are correct. All Citi PayAll payments and Citi PayAll Fees we charge to your account will be added to the retail purchase balance and the Retail APR will apply to them. Citi PayAll payments are charged at the retail purchase rate applicable to your account and are only available on Citi PayAll payments outlined in the Credit Card Terms and Conditions and Other Important Information. The Citi PayAll fee is currently 0.95% and is part of your Terms and Conditions including your Financial Table. This fee is set at the point of scheduling your Citi PayAll payment, applies for the duration the Citi PayAll payments are scheduled and is charged to your account each time a Citi PayAll payment is made. Please note the promotional offer of the 0% PayAll fee ended on 31 October 2023. For more information please refer to Citi PayAll fees by visiting Citi Credit Card Fees and Charges (citibank.com.au). Please note, there are limits on the Citi PayAll payments you can make in a period. Details of these limits can be found at citibank.com.au/payall-limits. These limits may change from time to time. For the full terms and conditions of Citi PayAll, please refer to the Credit Card Terms and Conditions and Other Important Information.

  4. Apple Pay: 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.

  5. Samsung Pay: Only Gear devices bought in Australia will support Samsung Pay on Gear in Australia. Samsung Pay on Gear needs to be authenticated each time the Gear smartwatch is put on and requires a periodic connection to a compatible smartphone with internet access and Samsung Pay installed. Samsung Pay for Gear only available on NFC terminals with Gear S2 and NFC and MST terminals with Gear S3. For more information visit https://www.citibank.com.au/samsungpay/

More Less
Meet the Citi Clear Card

Meet the Citi Clear® Card.

What continues with your card?

Low rate on retail purchases
Low rate on
retail purchases
Learn more
Complimentary insurances
Complimentary
insurances1
Learn more
Citi Instalment Plans
Citi Instalment
Plans2
Learn more
Citi PayAll
Citi PayAll. 3
Learn more
A low purchase rate

A low purchase rate

Enjoy a low variable interest rate on retail purchases with your Citi Clear Card and take control of your finances.

We've got you covered

We've got you covered1

Complimentary insurances1 on your Citi Clear Card.


Your insurance includes:

  • Purchase Protection Insurance
  • Extended Warranty Insurance
Learn more
Citi Instalment Plans

Citi Instalment Plans2

Citi Instalment Plans make it easier to pay for life's expenses, whatever they are and whenever they crop up. You can break purchases into smaller, more manageable monthly repayments at a fixed rate over a set term.2


Learn more
Citi PayAll

Citi PayAll3

Pay your rent, taxes, education fees and more with your Citi credit card. The Citi PayAll fee is currently 0.95% as outlined in the Financial Table and is set at the point of scheduling your Citi PayAll payment.

Learn more

What’s new with your card?

Card and account number
Card and
account number
Expiry date
Expiry date
CVV
CVV
(Card Verification Value)

What you need to do

You and any additional cardholders will receive a renewal Mastercard before your current card expires.*

When you receive it, simply activate it to access your card benefits. If you are an Additional Cardholder, the Primary Cardholder is required to activate their card first.

How to activate your card?

To ensure a recurring payment is not declined, you will need to update your card details with the merchants.

How to update your recurring payments?
Activating your new Mastercard is quick and easy

Activating your new Mastercard is quick and easy

Simply scan the QR code on the card or download the Citi Mobile® App and follow the instructions to activate your card now.

Activate your card now, to access your card benefits.

For other ways to activate your card:

Visit citibank.com.au/activate-card/

Update your recurring payments

Update your recurring payments

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require a list of your regular recurring payments for the last 13 months, you can contact us and we will provide details of transactions that the merchant has identified as recurring.

Remember to also update your mobile wallets

If you use Apple Pay4, Samsung Pay5, then update your mobile wallet with your renewal card details so you can ensure your payments are made with ease.

Apple Pay Samsung Pay

FAQs

Expand all sections

Why are you replacing my existing card?

Your existing card is scheduled to expire soon. When it does, it will be replaced with a Mastercard, instead of a Visa. We continually look for ways to provide the best credit card features and benefits to you and believe that the switch to Mastercard will enable us to do this. We sent you the notice in advance because we want to make this transition as seamless as possible for you - with minimal disruption.

Why are you changing my Visa to Mastercard?

We have entered into a strategic partnership with Mastercard as Mastercard has been core to our business for decades, enabling effortless, secure payments for millions of our cardholders around the world. With the growth of this partnership, we are converting Citi credit cards to Mastercard.

Following the switch to Mastercard, your features and benefits continue with your card including:

  • Card benefits provided by us
  • Annual fees (if applicable to your existing card)
  • Interest rates
  • Card PIN and telephone PIN
  • Citi Online login and access
  • Citi Mobile® App access
  • Any complimentary insurance1 associated with your existing card
  • Access to Citi Instalment Plans2 and Citi PayAll.3

What's new with your card?

  • Card number and account number
  • Card expiry and CVV (Card Verification Code)

I already have (a) Mastercard credit card(s)?

It is perfectly fine to have more than one Mastercard. Your Mastercard will currently continue with your existing fees and benefits as your existing Visa card. Some people prefer to put different types of expenses on each card – for example, they might put household expenses on one card and entertainment on another.

Is Citi ending its relationship with Visa?

Citi remains a member of Visa and will continue to service Citi Visa customers and as they come up for card renewal they will be converted to Mastercard.

Why can’t I just go back to Visa?

We apologise for any inconvenience caused. We request that you continue with your relationship with us through Mastercard so we can provide you with the best credit card features and benefits as we will no longer be issuing Visa cards for your product.

Do you still offer Visa cards?

Yes, some Visa cards will continue to be issued.

Will I be able to use my Mastercard credit card in as many places as my Visa card?

Mastercard and Visa are both accepted in millions of locations across the world. Additional details are available at Mastercard.us

With Mastercard you can enjoy global acceptance at over 47 million merchants in more than 210 countries.

Will this switch to Mastercard cost me anything?

No, there is no cost to you by switching to Mastercard.

Do my credit terms or interest rate change?

As a result of the switch to Mastercard, your current interest rates and other credit card terms and conditions will continue.

When will my credit card change to a Mastercard?

You can expect to receive your new card approximately 40 days before your existing Visa card expires. We will contact you by letter, email or SMS to share more details when you are getting close to your card expiry date.

Do I need to do anything now before my Mastercard arrives in the mail?

No - simply continue to use your Visa card as usual until your new Mastercard arrives in the mail. Then all you need to do is activate your new Mastercard either online or over the phone and you will be ready to use it.

If you have any additional cardholders, they will also receive a new Mastercard and they can activate their card after the primary card is activated first.

To ensure a recurring payment is not declined, once you receive your card, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require the full list of all your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

Can I use my Visa card after I activate my Mastercard?

You should start using your Mastercard once activated. Your Visa card will no longer continue to work after your Mastercard card is activated. Please note, if you have any additional cardholders, they will also receive a new Mastercard and they can activate their card after the primary card is activated first.

What will change on my new Mastercard?

  • The following will change for you:

    • Expiry date
    • CVV (Card Verification Value)
    • Card number and account number

  • The following will continue:

    • Card benefits provided by Citi
    • Annual fees (if applicable to your existing card)
    • Interest rates
    • Card PIN and telephone PIN
    • Citi Online login and access
    • Citi Mobile® App access
    • Any complimentary insurance1 associated with your existing card
    • Access to Citi Instalment Plans2 and Citi PayAll.3

I have an additional card on my account. Will I also receive a card for this?

If you have an additional card/s, your additional cardholder/s will receive a new Mastercard at the same time as your primary Mastercard. Please ensure that you activate your primary card before your additional cardholder/s activates their card/s.

Can I add an additional cardholder to my new Mastercard?

Yes. After you receive your Mastercard, contact the customer service number listed on the back and we will be happy to assist you.

Will my Personal Identification Number (PIN) change?

No. Your Card PIN, used for making cash advances and for withdrawing funds from an Automated Teller Machine (ATM), will not change as a result of this change to Mastercard. Your Telephone PIN also remains the same.

I have set up automatic payments with a couple of merchants. Will these be automatically switched over too?

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card. Remember to also update any digital wallets with your new card details.

If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

When can I change my recurring payments information?

As soon as you receive your Mastercard and activate it, you can change any recurring payments you may have to your new Mastercard using the 16-digit card number, expiry date and CVV code (Card Verification Value).

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

Will my Mastercard have contactless payment technology?

Yes, your Citi Mastercard will have contactless technology enabled. It will also contain an EMV chip, so that you can use it conveniently at all your favourite merchants.

Can I use my Mastercard on Apple Pay / Samsung Pay?

Yes. As long as your previous card was eligible with these services, you can use your card on Apple Pay4 or Samsung Pay5. Just remember to update your card details in your respective digital wallets.

Where can I see my latest transactions online?

All your credit card information as usual will be available on Citi Online and the Citi Mobile® App.

Why do I have a balance on the Mastercard when I have not made any purchases?

Part of the conversion process includes moving your outstanding balance from the Visa to your renewal Mastercard. Please note, this is a transferred balance and not a duplication of the outstanding balance.

Which card should I make my payments to?

You can make your payment for your statement period on either account and it will post properly. However, once you activate your Mastercard, we recommend you should make payments for your statement period to the Mastercard moving forward, given that is your new card number.

Will all of my card online settings from my old credit card transfer to Mastercard?

Yes, account online settings will transfer across to the Mastercard. Please note your Citi Online access and Citi Mobile® App access will remain the same.

It is an inconvenience having to update my card details on all my merchants.

We apologise for any inconvenience caused. To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

Should I keep my Visa card in case I have to make a return?

There is no need to retain the card. If you have a return, the merchant should be able to put the credit from the purchase made on the Visa onto the Mastercard instead; given it is the card that has replaced your old Visa card.

I'm on my Citi Mobile® app and I can't see my current card details. Do you know why? Is everything alright with my card?

Since your card was changed to a Mastercard when it expired, you will no longer see the Visa account on the Citi Mobile® App; however, you should be able to view the new Mastercard. You can also access your account via Citi Online for more information.

Can I change my payment due date?

Your payment due date will not change as a result of this switch to Mastercard. If you want to change the date after you receive your new Mastercard, please contact us and we can assist you.

Will there be any system downtime when the card is being converted?

Yes, there may be a period where certain functions such as reward redemptions or Citi Online and Citi Mobile® App access etc. will temporarily experience an outage while the conversion from Visa to Mastercard occurs. This downtime may be around 24-48 hours of your card expiry date. Please ensure you access your account before your card expiry to avoid any inconvenience.

Will this conversion impact my credit bureau/ credit score?

No it won't, we are simply changing your current Visa to a Mastercard. This change will not impact your credit score.

What do I need to do when I receive my new Mastercard?

When it arrives all you need to do is activate the card via the Citi Mobile® App or via Citi Online. Follow the activation instructions as outlined on your card and card carrier. If you have any additional cardholders, they will also receive a new Mastercard. Please ensure you activate your card before they do.

Why do I see a Mastercard under my online profile?

We have recently converted your account from a Visa to a Mastercard. During this conversion process, your Visa account has been transferred to a Mastercard account. Once you activate your Mastercard, your Visa card will be closed but still available via Citi Online and the Citi Mobile® App to view previous statements.

Part of the conversion process includes moving your outstanding balance from your Visa to your renewal Mastercard. Please note, this is a transferred balance and not a duplication of the outstanding amount.

In the month before your Visa card expires you will be automatically issued with a Mastercard if your account remains open and in good standing (for example – your account is not in default, suspended or closed). Once issued, all transactions made on your Visa card will appear under your new Mastercard account.

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

Important Information

  1. Complimentary Insurance: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB") which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi"). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

  2. Citi Instalment Plans: Citi Instalment Plan is defined in the Credit Card Terms and Conditions as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). For the full terms and conditions that apply to Fixed Payment Options, please refer to the Credit Card Terms and Conditions and Other Important Information.

  3. Citi PayAll: offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). Set up Citi PayAll payment instructions using the Citi Mobile® App or in any other way we tell you that you can make a Citi PayAll payment. This is an amount you authorise us to pay once or on a regular basis from your account to another bank account held with an Australian financial institution (other than through BPAY®). This must be not less than 7 days from the date the Citi PayAll payment is set up, and if there is more than one payment to be made, the number and frequency of the payments and period over which they are to be made, you must ensure these details are correct. All Citi PayAll payments and Citi PayAll Fees we charge to your account will be added to the retail purchase balance and the Retail APR will apply to them. Citi PayAll payments are charged at the retail purchase rate applicable to your account and are only available on Citi PayAll payments outlined in the Credit Card Terms and Conditions and Other Important Information. The Citi PayAll fee is currently 0.95% and is part of your Terms and Conditions including your Financial Table. This fee is set at the point of scheduling your Citi PayAll payment, applies for the duration the Citi PayAll payments are scheduled and is charged to your account each time a Citi PayAll payment is made. Please note the promotional offer of the 0% PayAll fee ended on 31 October 2023. For more information please refer to Citi PayAll fees by visiting Citi Credit Card Fees and Charges (citibank.com.au). Please note, there are limits on the Citi PayAll payments you can make in a period. Details of these limits can be found at citibank.com.au/payall-limits. These limits may change from time to time. For the full terms and conditions of Citi PayAll, please refer to the Credit Card Terms and Conditions and Other Important Information.

  4. Apple Pay: 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.

  5. Samsung Pay: Only Gear devices bought in Australia will support Samsung Pay on Gear in Australia. Samsung Pay on Gear needs to be authenticated each time the Gear smartwatch is put on and requires a periodic connection to a compatible smartphone with internet access and Samsung Pay installed. Samsung Pay for Gear only available on NFC terminals with Gear S2 and NFC and MST terminals with Gear S3. For more information visit https://www.citibank.com.au/samsungpay/

More Less
Meet the Citi Card

Meet the Citi Rewards® Card.

What continues with your card?

Access to your Reward Program
Access to your
Rewards Program1
Learn more
Complimentary insurances
Complimentary
insurances2a,2b
Learn more
Citi Instalment Plans
Citi Instalment
Plans3
Learn more
Citi PayAll
Citi PayAll. 4
Learn more
Earn reward Points with your Citi Rewards Card

Earn reward Points1 with your
Citi Rewards Card

Earn:


  • 1 Point per $1 on eligible Domestic spend (up to $10,000 per statement period)
  • 1 Point per $1 on eligible International spend (uncapped)
We’ve got you covered

We've got you covered2a, 2b

Complimentary insurances2a, 2b on your Citi Prestige Card.

Your insurance includes:

  • Complimentary Mobile Phone Insurance2a
  • International Travel Insurance2b
  • Domestic Travel Insurance2b
  • Purchase Protection Insurance2b
  • Extended Warranty Insurance2b
Learn more
Citi Instalment Plans

Citi Instalment Plans3

Citi Instalment Plans make it easier to pay for life's expenses, whatever they are and whenever they crop up. You can break purchases into smaller, more manageable monthly repayments at a fixed rate over a set term.3

Learn more
Citi PayAll

Citi PayAll4

Pay your rent, taxes, education fees and more with your Citi credit card.The Citi PayAll fee is currently 0.95% as outlined in the Financial Table and is set at the point of scheduling your Citi PayAll payment.

Learn more

What’s new with your card?

Card and account number
Card and
account number
Expiry date
Expiry date
CVV
CVV
(Card Verification Value)

What you need to do

You and any additional cardholders will receive a renewal Mastercard before your current card expires.*

When you receive it, simply activate it to access your card benefits. If you are an Additional Cardholder, the Primary Cardholder is required to activate their card first.

How to activate your card?

To ensure a recurring payment is not declined, you will need to update your card details with the merchants.

How to update your recurring payments?
Activating your new Mastercard is quick and easy

Activating your new Mastercard is quick and easy

Simply scan the QR code on the card or download the Citi Mobile® App and follow the instructions to activate your card now.

Activate your card now, to access your card benefits.

For other ways to activate your card:

Visit citibank.com.au/activate-card/

Update your recurring payments

Update your recurring payments

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require a list of your regular recurring payments for the last 13 months, you can contact us and we will provide details of transactions that the merchant has identified as recurring.

Remember to also update your mobile wallets

If you use Apple Pay5, Samsung Pay6, then update your mobile wallet with your renewal card details so you can ensure your payments are made with ease.

Apple Pay Samsung Pay

FAQs

Expand all sections

Why are you replacing my existing card?

Your existing card is scheduled to expire soon. When it does, it will be replaced with a Mastercard, instead of a Visa. We continually look for ways to provide the best credit card features and benefits to you and believe that the switch to Mastercard will enable us to do this. We sent you the notice in advance because we want to make this transition as seamless as possible for you - with minimal disruption.

Why are you changing my Visa to Mastercard?

We have entered into a strategic partnership with Mastercard as Mastercard has been core to our business for decades, enabling effortless, secure payments for millions of our cardholders around the world. With the growth of this partnership, we are converting Citi credit cards to Mastercard.

Following the switch to Mastercard, your features and benefits continue with your card including:

  • Card benefits provided by us
  • Annual fees (if applicable to your existing card)
  • Interest rates
  • Card PIN and telephone PIN
  • Citi Online login and access
  • Citi Mobile® App access
  • Rewards Program1 (if applicable to your existing card)
  • Any complimentary insurance2a,2b associated with your existing card
  • Access to Citi Instalment Plans3 and Citi PayAll.4

What's new with your card?

  • Card number and account number
  • Card expiry and CVV (Card Verification Code)

I already have (a) Mastercard credit card(s)?

It is perfectly fine to have more than one Mastercard. Your Mastercard will currently continue with your existing fees and benefits as your existing Visa card. Some people prefer to put different types of expenses on each card – for example, they might put household expenses on one card and entertainment on another.

Is Citi ending its relationship with Visa?

Citi remains a member of Visa and will continue to service Citi Visa customers and as they come up for card renewal they will be converted to Mastercard.

Why can’t I just go back to Visa?

We apologise for any inconvenience caused. We request that you continue with your relationship with us through Mastercard so we can provide you with the best credit card features and benefits as we will no longer be issuing Visa cards for your product.

Do you still offer Visa cards?

Yes, some Visa cards will continue to be issued.

Will I be able to use my Mastercard credit card in as many places as my Visa card?

Mastercard and Visa are both accepted in millions of locations across the world. Additional details are available at Mastercard.us

With Mastercard you can enjoy global acceptance at over 47 million merchants in more than 210 countries.

Will this switch to Mastercard cost me anything?

No, there is no cost to you by switching to Mastercard.

Do my credit terms or interest rate change?

As a result of the switch to Mastercard, your current interest rates and other credit card terms and conditions will continue.

When will my credit card change to a Mastercard?

You can expect to receive your new card approximately 40 days before your existing Visa card expires. We will contact you by letter, email or SMS to share more details when you are getting close to your card expiry date.

Do I need to do anything now before my Mastercard arrives in the mail?

No - simply continue to use your Visa card as usual until your new Mastercard arrives in the mail. Then all you need to do is activate your new Mastercard either online or over the phone and you will be ready to use it.

If you have any additional cardholders, they will also receive a new Mastercard and they can activate their card after the primary card is activated first.

To ensure a recurring payment is not declined, once you receive your card, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require the full list of all your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

Can I use my Visa card after I activate my Mastercard?

You should start using your Mastercard once activated. Your Visa card will no longer continue to work after your Mastercard card is activated. Please note, if you have any additional cardholders, they will also receive a new Mastercard and they can activate their card after the primary card is activated first.

What will change on my new Mastercard?

  • The following will change for you:

    • Expiry date
    • CVV (Card Verification Value)
    • Card number and account number

  • The following will continue:

    • Card benefits provided by us
    • Annual fees (if applicable to your existing card)
    • Interest rates
    • Card PIN and telephone PIN
    • Citi Online login and access
    • Citi Mobile® App access
    • Reward Program1 (if applicable on your existing card)
    • Any complimentary insurance2a,2b associated with your existing card
    • Access to Citi Instalment Plans3 and Citi PayAll.4

I have an additional card on my account. Will I also receive a card for this?

If you have an additional card/s, your additional cardholder/s will receive a new Mastercard at the same time as your primary Mastercard. Please ensure that you activate your primary card before your additional cardholder/s activates their card/s.

Can I add an additional cardholder to my new Mastercard?

Yes. After you receive your Mastercard, contact the customer service number listed on the back and we will be happy to assist you.

Will my Personal Identification Number (PIN) change?

No. Your Card PIN, used for making cash advances and for withdrawing funds from an Automated Teller Machine (ATM), will not change as a result of this change to Mastercard. Your Telephone PIN also remains the same.

I have set up automatic payments with a couple of merchants. Will these be automatically switched over too?

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card. Remember to also update any digital wallets with your new card details.

If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

When can I change my recurring payments information?

As soon as you receive your Mastercard and activate it, you can change any recurring payments you may have to your new Mastercard using the 16-digit card number, expiry date and CVV code (Card Verification Value).

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

Will my Mastercard have contactless payment technology?

Yes, your Citi Mastercard will have contactless technology enabled. It will also contain an EMV chip, so that you can use it conveniently at all your favourite merchants.

Can I use my Mastercard on Apple Pay / Samsung Pay?

Yes. As long as your previous card was eligible with these services, you can use your card on Apple Pay5 or Samsung Pay6. Just remember to update your card details in your respective digital wallets.

Where can I see my latest transactions online?

All your credit card information as usual will be available on Citi Online and the Citi Mobile® App.

Why do I have a balance on the Mastercard when I have not made any purchases?

Part of the conversion process includes moving your outstanding balance from the Visa to your renewal Mastercard. Please note, this is a transferred balance and not a duplication of the outstanding balance.

Which card should I make my payments to?

You can make your payment for your statement period on either account and it will post properly. However, once you activate your Mastercard, we recommend you should make payments for your statement period to the Mastercard moving forward, given that is your new card number.

Will all of my card online settings from my old credit card transfer to Mastercard?

Yes, account online settings will transfer across to the Mastercard. Please note your Citi Online access and Citi Mobile® App access will remain the same.

It is an inconvenience having to update my card details on all my merchants.

We apologise for any inconvenience caused. To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

If you require the full list of your recurring payments in the last 13 months, you can contact us and we can provide this to you for your convenience.

Should I keep my Visa card in case I have to make a return?

There is no need to retain the card. If you have a return, the merchant should be able to put the credit from the purchase made on the Visa onto the Mastercard instead; given it is the card that has replaced your old Visa card.

I'm on my Citi Mobile® App and I can't see my current card details. Do you know why? Is everything alright with my card?

Since your card was changed to a Mastercard when it expired, you will no longer see the Visa account on the Citi Mobile® App; however, you should be able to view the new Mastercard. You can also access your account via Citi Online for more information.

Can I change my payment due date?

Your payment due date will not change as a result of this switch to Mastercard. If you want to change the date after you receive your new Mastercard, please contact us and we can assist you.

Will there be any system downtime when the card is being converted?

Yes, there may be a period where certain functions such as reward redemptions or Citi Online and Citi Mobile® App access etc. will temporarily experience an outage while the conversion from Visa to Mastercard occurs. This downtime may be around 24-48 hours of your card expiry date. Please ensure you access your account before your card expiry to avoid any inconvenience.

Will this conversion impact my credit bureau/ credit score?

No it won't, we are simply changing your current Visa to a Mastercard. This change will not impact your credit score.

What do I need to do when I receive my new Mastercard?

When it arrives all you need to do is activate the card via the Citi Mobile® App or via Citi Online. Follow the activation instructions as outlined on your card and card carrier. If you have any additional cardholders, they will also receive a new Mastercard. Please ensure you activate your card before they do.

Will all my reward Points come over from my Visa card?

You will not lose any reward Points1 as a result of this change. They will be migrated across to your new Mastercard.

Why do I see a Mastercard under my online profile?

We have recently converted your account from a Visa to a Mastercard. During this conversion process, your Visa account has been transferred to a Mastercard account. Once you activate your Mastercard, your Visa card will be closed but still available via Citi Online and the Citi Mobile® App to view previous statements.

Part of the conversion process includes moving your outstanding balance from your Visa to your renewal Mastercard. Please note, this is a transferred balance and not a duplication of the outstanding amount.

In the month before your Visa card expires you will be automatically issued with a Mastercard if your account remains open and in good standing (for example – your account is not in default, suspended or closed). Once issued, all transactions made on your Visa card will appear under your new Mastercard account.

To ensure a recurring payment is not declined, it is important that you update your new credit card details with the merchant. Where possible we will try to honour any recurring payments that are charged to your expired card.

Important Information

  1. 1. For Citi Rewards Program: 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. Points do not expire while the card remains open and in good standing (for example – your account is not in default, suspended or closed).

  2. 2a. Complimentary Mobile Phone Insurance: Mobile Phone Protection Insurance (Cover) is provided under and by way of a group policy (Group Policy) issued by AIG Australia Limited (ABN 93 004727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”)This Cover is available to Cardholders ("you/your") while you remain an eligible Mastercard and/or Visa cardholder of NAB, subject to NAB’s and AIG's right to alter the Cover. The terms, conditions and excluded cover are specified in ‘Citi Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions’ as amended from time to time). When eligible, you have the benefit of cover as a third party beneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. Neither Citi nor NAB is the issuer or insurer of the Cover. Neither Citi nor NAB nor any of its related corporations guarantee any of the benefits under the Cover.

    2b. Other Complimentary Insurance: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB") which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi"). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

  3. 3. Citi Instalment Plans: Citi Instalment Plan is defined in the Credit Card Terms and Conditions as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing  (for example – your account is not in default, suspended or closed). For the full terms and conditions that apply to Fixed Payment Options, please refer to the Credit Card Terms and Conditions and Other Important Information.

  4. 4. Citi PayAll: offers are subject to eligibility and only available if your account is and remains in good standing  (for example – your account is not in default, suspended or closed). Set up Citi PayAll payment instructions using the Citi Mobile® App or in any other way we tell you that you can make a Citi PayAll payment. This is an amount you authorise us to pay once or on a regular basis from your account to another bank account held with an Australian financial institution (other than through BPAY®). This must be not less than 7 days from the date the Citi PayAll payment is set up, and if there is more than one payment to be made, the number and frequency of the payments and period over which they are to be made, you must ensure these details are correct. All Citi PayAll payments and Citi PayAll Fees we charge to your account will be added to the retail purchase balance and the Retail APR will apply to them. Citi PayAll payments are charged at the retail purchase rate applicable to your account and are only available on Citi PayAll payments outlined in the Credit Card Terms and Conditions and Other Important Information. The Citi PayAll fee is currently 0.95% and is part of your Terms and Conditions including your Financial Table. This fee is set at the point of scheduling your Citi PayAll payment, applies for the duration the Citi PayAll payments are scheduled and is charged to your account each time a Citi PayAll payment is made. Please note the promotional offer of the 0% PayAll fee ended on 31 October 2023. For more information please refer to Citi PayAll fees by visiting Citi Credit Card Fees and Charges (citibank.com.au). Please note, there are limits on the Citi PayAll payments you can make in a period. Details of these limits can be found at citibank.com.au/payall-limits. These limits may change from time to time. For the full terms and conditions of Citi PayAll, please refer to the Credit Card Terms and Conditions and Other Important Information.

  5. 5. Apple Pay: 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.

  6. 6. Samsung Pay: Only Gear devices bought in Australia will support Samsung Pay on Gear in Australia. Samsung Pay on Gear needs to be authenticated each time the Gear smartwatch is put on and requires a periodic connection to a compatible smartphone with internet access and Samsung Pay installed. Samsung Pay for Gear only available on NFC terminals with Gear S2 and NFC and MST terminals with Gear S3. For more information visit https://www.citibank.com.au/samsungpay/

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