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Expert tips for choosing a Citi credit card plus how to get the most out of it.
There is a choice of rewards programs. Cardholders gather points every time they use their card for everyday payments, and points are automatically earned on any direct debts linked to Citibank cards. Extra points are earned when you shop using a Citi credit card at Citibank’s Bonus Partners.
Points collected can be redeemed for regularly updated offers and on Citi’s rewards programs. Citi World Privileges is a travel rewards scheme offering preferential treatment and benefits at destinations around the world, including flights, restaurant discounts, hotels, car rentals, retail offers, spa services, adventures and more. Citi Dining, among other perks, offers a complimentary bottle of wine at selected Citi restaurants, in addition to earning bonus rewards points.
Yes. Citi have robust online banking, allowing you to carry out everyday tasks like checking your balance, reviewing recent transactions, etc.
Generally, Citi only allows new customers to transfer balances from other financial institutions and get the benefits of a low interest promotion, but not from one Citi credit card to another. Check the small print on each deal to ensure you are aware of all restrictions before you apply.
Yes. If you have a query, you can call Citi for assistance. You can also do balance checks, make payments, etc. over the phone.
On some Citi credit cards there is a fee for balance transfers. As noted above, however, you should be aware that at the end of the balance transfer period your rate will revert to a higher interest rate, normally the purchase or cash advance rate, and any outstanding debt will be charged accordingly.
Balance transfer requests generally take 10 business days to process, so if approved you should receive the transfer within two calendar weeks. You should allow extra time for any cheques to be received at the other financial institution (if payments were transferred electronically). You can monitor your account with Citi Online to see when the transfer appears.
Assuming you have all your details nearby, the online application process should take about 10 minutes to complete, and you will be notified of Citi’s response in minutes.
Having all the relevant information and providing it clearly and correctly will help the application process. Make sure you give a contact number where you can be easily contacted in case Citi requires any additional information (and be prepared to answer calls from numbers you may not recognise). Inform your pay-roll department, or your accountant if you are self-employed, that Citi will be in contact to confirm your income, so all the information is prepared in advance.
To apply online you will need to provide your full name, contact details, date of birth and your employment details. For balance transfers you need to provide details of your current account (the one you want to transfer from), your financial situation including income and expenses, and, if you are self-employed, you need to supply contact details for your accountant.
As soon as you receive your new Citi credit card with Citi Rewards, every dollar you spend on your card earns a point, and you get extra points if you are a Gold or Platinum cardholder or make payments to the program’s partner companies.
Citi Rewards include retail gift cards, travel and adventure, outdoors and fitness pursuits, homeware, electronics, cash back and annual fees, and more. One of the benefits of Citi Rewards is that you have the option to use cash with your points, so unlike other schemes you don’t necessarily have to wait until you have earned enough to claim your chosen reward.
Some cards offer rewards from specific companies: with the Citi Emirates Credit Card you earn Skywards points on every dollar spent, for example. The Citi Platinum and Citi Select credit cards offer access to the Qantas Rewards frequent flyer program.
Other rewards available to Citi credit cardholders include online shopping discounts, the Dining Program and the Wine Cellar.
You can apply for a Citi credit card if you are over 18 years old, are a citizen or resident of Australia, and meet the specific minimum income required for the particular card. Read our review or click on the 'Application’ button to discover the minimum required for the card you want to apply for.
No. Anyone that meets their minimum criteria can apply. There is no no need to switch your everyday transaction accounts too.
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Some of the products and services listed on our website are from partners who compensate us. This may influence which products we compare and the pages they are listed on. Partners have no influence over our editorial staff.
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