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Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi accounts, bank fees and charges such as interest and ATM charges, transactions made using Points and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). Please note that whether or not a transaction is an Eligible Transaction will be determined based on information provided either by the merchant or the relevant financial institution (including information about the type of business conducted by the merchant). This means that, for example, spend with certain merchants may be characterised as spend with a government related entity and therefore not an Eligible Transaction, even if that merchant is not in fact a government related entity.

CITI REWARDS PLATINUM CREDIT CARD

Earn 70,000 reward points on your first spend1.

Earn 70,000 reward points on your first spend¹. Rethink banking.

As a Citi at Work customer you're invited to save money and be rewarded for everyday purchases with a Citi Rewards Platinum Credit Card. Apply now and earn 70,000 reward points when you first spend on your card within 3 months of approval1 . You will also receive a reduced $99 annual fee in the first year2 (normally $249) and 0% for 6 months on balance transfers3 (reverts to cash rate).

APPLY NOW
Benefits
  • Earn 70,000 points when you first spend on your card within 3 months of approval1
  • $99 annual fee in the first year (normally $249)2
  • 0% p.a. for 6 months on balance transfers3
  • Earn 1 rewards point per $1 spent on all eligible Domestic Spend (up to $10,000 per statement period)4
  • Earn 1 rewards point per $1 spent on all eligible International Spend (uncapped)4
  • A range of complimentary insurances including International Travel Insurance, Transit Accident Insurance, Extended Warranty, Purchase Cover and Guaranteed Pricing Scheme5.
Features

Flexibility

Retail Purchase Rate

The rate that a bank or credit provider charges for the money it lends to you.

 20.99% p.a.
Cash Advance Rate 21.74% p.a.
Interest Free Period
Some credit cards give the cardholder the option to make transactions on their account without being charged any interest. If your card has an 'interest free day' clause (check your pre contractual statement or your conditions of use) then you will qualify for interest free use so long as you pay the entire closing balance of each monthly statement before the due date shown on the statement. If you pay less than the full closing balance as shown on the statement you will incur interest charges in accord with the conditions of use. If you short pay one time, you usually need to pay the full balance for two consecutive months before your account will be interest free again.

If you carry a balance on your credit card from month to month, you do not have an interest-free period even if your conditions of use say your account has interest free days options. You are charged interest immediately when you make a purchase.

For example, if you have a balance of $500 and make a payment of $50 on June 1st, and buy an item for $50 on June 2nd, you will immediately be charged interest on that $50 purchase. This is because you have an outstanding balance of approximately $450 between June 2nd and your next statement.

Importantly, if your credit card is not an interest free day type account, even if you pay the statement balance in full each month, you will still be charged interest.
 Up to 55 days interest free6
Maximum Credit Limit

The maximum balance you can carry on your credit card or line of credit account.

 $100,000#
Annual Fee

The annual fee is the yearly cost you pay for having the card. Citibank will charge your annual primary cardholder fee to your account on the first anniversary date Citibank approved your account, then on each anniversary date of the account.

 $99 in the first year (normally $249)2
Additional Cardholder Fee $90
Rewards

Citi Rewards

Complimentary Rewards Program4

Enjoy complimentary access to a superior Rewards program with Reward points that don't expire while the card remains open.

 Earn 1 point per $1 spent on eligible Domestic Spend (max of $10,000 per statement period)

Earn 1 point per $1 spent on eligible International Spend(uncapped)
Citi Travel centre7 Yes
Voucher, Gift Certificates & Merchandise Rewards Yes
Cash Back Rewards Yes
How to Apply

Applying for a Citi Credit Card is simple. The application process should take less than 10 minutes to complete if you have all your personal information ready.

Please refer to the How to Apply page for further information.

APPLY NOW

Important information:

Fees and charges apply. Cards are offered, issued and administered by Citigroup Pty Limited. Terms and conditions apply and are available upon request. Credit Criteria apply. New cards customers only.

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

  1. You will earn 70,000 Citi Reward Points when you first spend on your card within three months of card approval. All rewards are subject to the terms and conditions of the Citi Rewards Program. Citi reward points never expire as long as your account remains open. Offer ends 28 February 2018. Offer may be extended.
  2. Subject to your acceptance you will be billed an annual fee of $99 in the first year. This will reverts to the standard annual fee, currently $249, in subsequent years. However, the annual fee will be reduced each subsequent year to $99 if you spend $15,000 or more within the year on retail purchases. An annual additional cardholder fee applies, currently $90 per card.
  3. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 6 months. The 6 month promotional period commences once the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will reverts to the variable Annual Percentage Rate for Cash Advances, currently 21.74% p.a.
  4. All rewards are subject to the Terms and Conditions of the Citibank 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.
  5. For any claims lodged on or after 1st May 2016, Complimentary Insurance is issued and managed by AGA Assistance Australia Pty Limited (trading as Allianz Global Assistance) (AFSL No.245631 ABN 52 097 227 177), 74 High Street, Toowong QLD 4066 on behalf of the insurer Allianz Australia Insurance Limited (AFSL No. 234708 ABN 15 000 122 850), 2 Market Street, Sydney NSW 2000, and is subject to Terms, Conditions, and exclusions, some limits and excess may apply. The Terms and Conditions are available at www.citibank.com.au/complimentaryinsurance. For any claims lodged prior to 1st May 2016, Complimentary Insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and is subject to Terms, Conditions and exclusions, some limits and excess may apply. The Terms and Conditions are available at www.citibank.com.au/complimentaryinsurance.
  6. The maximum 55 days interest free period applies when you pay your balance off in full for two consecutive months. If you carry a balance on your credit card from month to month, the 55 days interest free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers.
  7. The Citi Travel Centre is operated by Connexions Loyalty Travel Solutions LLC, and its affiliate, Loyalty Travel Agency LLC (collectively, "Travel Services"). Redemption via the Citi Travel Centre is available only to customers enrolled in the Citi Rewards Program and is not available to cardholders who enrol in airline frequent flyer direct earn rewards programs. All offers are subject to availability and change without notice. Offers may vary according to itinerary options, currency fluctuations and taxes at the time of booking. For full terms and conditions visit https://www.citirewards.com/terms.htm

© 2017 Citigroup Pty Limited. All rights reserved. ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.