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Citi
Credit Cards Review

Compare Citi Credit Cards Compare Citi credit cards – read our review and compare the features and benefits available from Citi. We can help you to make an informed decision and find a card that suits you.

Citi Credit Cards offer a comprehensive range of features and benefits to accommodate all needs.

Whether you're looking for a credit card with no annual fee; low standard rates; or great introductory bonuses on purchases or balance transfers, Citi has a credit card to suit you.

Citi credit cards come with up to 55 interest free days on purchases (where applicable), giving you the chance to pay for your purchases over a longer period of time to suit you. This effectively allows you to qualify for interest free credit. If you fail to make at least the minimum payment within the set period, the typical interest rate will be applied to your balance.

All Citi Credit Cards feature:

  • Up to 4 additional cardholders
  • Access to Citibank World Privileges
  • Complimentary Fraudshield protection
  • Emergency card replacement
  • Worldwide acceptance at over 22 million locations
  • Worldwide personal customer service 24 hours a day, 7 days a week.

Top 5 Credit Cards products*

Card
Issuer
Balance Transfers
Apply
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0% for 18 months (1% BT fee) + $0 annual fee for the first year!
Low annual rate of 13.24%p.a coupled with a 18 month 0% Balance Transfer offer, with 1% Balance Transfer Fee! Also, $0 annual card fee for the first year (saving you $55). Balance transfers revert to the variable cash advance rate of 21.49%.
Rate 0% 18 months
Fee 1%fee
N/A
13.24%
$55
0% for 24 months on Balance Transfers & Low annual rate of 12.74%p.a
24 months 0% balance transfers (Subject to 1% Balance Transfer Fee). Get a range of complimentary insurances and concierge service. Balance transfers revert to the variable cash advance rate of 21.49%.
Rate 0% 24 months
Fee 1%fee
N/A
12.74%
$99
0% for 18 months on Balance Transfers & Low annual rate of 13.24%p.a
Low annual rate coupled with a 18 month 0% Balance Transfer offer (Subject to 1% Balance Transfer Fee). Balance transfers revert to the variable cash advance rate of 21.49%.
Rate 0% 18 months
Fee 1%fee
N/A
13.24%
$55
0% for 24 months on Balance Transfers (subject to 2% fee).
Get 0% on Balance Transfers for 24 months on balance transfers requested at card application (2% balance transfer fee applies). Rate then reverts to applicable variable cash advance rate of 19.49%. Annual Fee of only $59.
Rate 0% 24 months
Fee 2%fee
N/A
13.49%
$59
20 months 0% on Balance Transfers & No Annual Fee in 1st year.
Get 0% on Balance Transfers for 20 months on balance transfers requested at card application (2% balance transfer fee applies). Rate then reverts to applicable variable cash advance rate of 21.29%.$0 Annual Fee for the First year and subsequent years when
Rate 0% 20 months
Fee 2%fee
N/A
19.84%
1st Yr Free, then $30

Advice

Low annual rate of 13.24%p.a coupled with a 18 month 0% Balance Transfer offer, with 1% Balance Transfer Fee! Also, $0 annual card fee for the first year (saving you $55). Balance transfers revert to the variable cash advance rate of 21.49%.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 18 mths
Balance Transfer Fee: 1%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.24% p.a.
Purchases: 13.24% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $55
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an income of $15,000 or more per year

Advice

Balance transfers revert to the variable cash advance rate of 21.49%.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 24 mths
Balance Transfer Fee: 1%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 12.74% p.a.
Purchases: 12.74% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $99
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

Advice

Low ongoing rate and Balance Transfer offer. Balance transfers revert to the variable cash advance rate of 21.49%.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 18 mths
Balance Transfer Fee: 1%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.24% p.a.
Purchases: 13.24% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $55
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

Advice

Get 0% on Balance Transfers for 24 months on balance transfers requested at card application (2% balance transfer fee applies). Rate then reverts to applicable variable cash advance rate of 19.49%. Annual Fee of only $59.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 24 mths
Balance Transfer Fee: 2%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.49% p.a.
Purchases: 13.49% p.a.
Cash Advance: 19.49% p.a.
Annual Fee: $59
Standard Features
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa

Advice

Get 0% on Balance Transfers for 20 months on balance transfers requested at card application (2% balance transfer fee applies). Rate then reverts to applicable variable cash advance rate of 21.29%. $0 Annual Fee for the First year and subsequent years when you spend a minimum of $5000.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 20 mths
Balance Transfer Fee: 2%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.84% p.a.
Purchases: 19.84% p.a.
Cash Advance: 21.29% p.a.
Annual Fee: 1st Yr Free, then $30
Standard Features
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Advice

Get 0% on Balance Transfers for 20 months on balance transfers requested at card application (2% balance transfer fee applies). Rate then reverts to applicable variable cash advance rate of 21.29%. $0 Annual Fee for the First year and subsequent years when you spend a minimum of $10000.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 20 mths
Balance Transfer Fee: 2%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.84% p.a.
Purchases: 19.84% p.a.
Cash Advance: 21.29% p.a.
Annual Fee: 1st Yr Free, then $30
Standard Features
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Advice

Outside of special offer interest is applied from the moment a purchase is made. Balance transfers revert to the variable cash advance rate of 20.49%.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 12 mths
Balance Transfer Fee: 1%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.49% p.a.
Purchases: 20.49% p.a.
Cash Advance: 20.49% p.a.
Annual Fee: Free For Life
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

Advice

Balance transfers revert to the variable cash advance rate of 21.49%.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 24 mths
Balance Transfer Fee: 1%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 12.74% p.a.
Purchases: 12.74% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $99
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

Advice

0% p.a. first 15 months on balance transfers* & No Balance Transfer Fee! *Reverts to standard balance transfer rate, currently 21.74% p.a. Eligibility criteria, T&Cs, fees and charges apply.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 15 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.74% p.a.
Purchases: 12.49% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $58 p.a.
Standard Features
Credit Limit: Subject to Status (min $1,000)
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You have income of over $15,000.pa

Advice

0% p.a. first 15 months on balance transfers & No Balance Transfer Fee! Reverts to standard balance transfer rate, currently 21.74% p.a.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 15 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.74% p.a.
Purchases: 11.49% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $99 p.a.
Standard Features
Credit Limit: Subject to Status (min $6,000)
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You have income of over $35,000.pa

Advice

0% p.a. first 18 months on balance transfers with a 2% Balance Transfer fee. Reverts to standard balance transfer rate, currently 21.49% p.a.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 18 mths
Balance Transfer Fee: 2%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.49% p.a.
Purchases: 19.74% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $30
Standard Features
Credit Limit: Subject to Status (min $1,000)
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You have income of over $15,000.pa

Advice

Earn 60,000 bonus points. Spend $3k in 90 days from card approval. You have a choice of St.George Amplify Reward Points or Qantas Reward Points.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.49% p.a.
Purchases: 19.49% p.a.
Cash Advance: 20.24% p.a.
Annual Fee: $99
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have a minimum income of $35,000 per year

Advice

Low ongoing rate and Balance Transfer offer. Balance transfers revert to the variable cash advance rate of 21.49%.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 18 mths
Balance Transfer Fee: 1%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.24% p.a.
Purchases: 13.24% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $55
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an income of $15,000 or more per year

Advice

Enjoy an exclusive $129 Virgin Australia Gift Voucher each year. Simple make a retail purchase in the 2 months prior to requesting your voucher. Use your Virgin Australia Gift Voucher when booking Virgin Australia flights on any fare type (including sale fares) or selected Virgin Australia Holidays’ packages anytime within 6 months of voucher issue date.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 18 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 20.74% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: $64 first year, then $129 p.a.
Standard Features
Credit Limit: $6,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $35000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application
Introductory Offer
Balance Transfer Rate: 0% p.a. for 14 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.69% p.a.
Purchases: 11.99% p.a.
Cash Advance: 21.69% p.a.
Annual Fee: $99 - 50% off in 1st year = $49.50
Standard Features
Credit Limit: $6,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $35000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Advice

Exclusive offer - $64 annual fee for the first year! Buy a seat on Virgin Blue with the new Virgin Flyer Credit Card and Virgin will give you a second complimentary seat on the flight, up to 4 times a year. Every year. All you have to do is cover the credit card booking fees!!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. for 6 mths
Annual Rates
Balance Transfers: 20.74% p.a.
Purchases: 20.74% p.a.
Cash Advance: 20.74% p.a.
Annual Fee: $129 - $65 off in 1st year = $64
Standard Features
Credit Limit: $6,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $35000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Advice

Get 60,000 bonus points when you spend $3,000 on eligible purchases within 90 days of card approval! Choose either Qantas or Altitude points.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.24% p.a.
Purchases: 20.24% p.a.
Cash Advance: 20.74% p.a.
Annual Fee: $150
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 45 days
On-Line Banking: Yes
Approval Criteria
  • You are aged 18 years or over
  • You are a permanent resident or citizen of Australia (Temporary Visa holders are not eligible to apply)
  • You earn a minimum income of $65,000p.a

Advice

Exclusive reduced flights offer when you and a friend travel together on Virgin Australia domestic Saver fares up to 4 times a year!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. for 14 mths
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 20.74% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: $129
Standard Features
Credit Limit: $6,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $35000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Advice

$0 annual card fee for the first year (saving you $79). You have a choice of St.George Amplify Reward Points or Qantas Reward Points. Balance transfers revert to the variable cash advance rate of 20.24%.

Introductory Offer
Balance Transfer Rate: 3% p.a. for 36 mths
Balance Transfer Fee: 0%fee
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.49% p.a.
Purchases: 19.49% p.a.
Cash Advance: 20.24% p.a.
Annual Fee: 1st Yr Free, then $79
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

Advice

Earn Qantas Airmiles or Amplify Reward points. Earn 90,000 bonus points. Spend $5k in 90 days from card approval. You have a choice of St.George Amplify Reward Points or Qantas Reward Points.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.49% p.a.
Purchases: 19.49% p.a.
Cash Advance: 20.24% p.a.
Annual Fee: $279
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have a minimum income of $75,000 per year

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