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Citi

Citibank Australia is part of one of the world’s largest financial services organisations, Citigroup. Citigroup has a presence in over 100 countries and has been providing consumer finance to Australians since 1985. The groups culmination of global experience enables them to offer some of the world’s most innovative financial services including foreign currency deposits, credit cards, home loans, savings accounts, special lendings, term deposits, insurance and transaction accounts. Their customer services also extend to corporate, institutions and governments. Diners Club, Citi Smith Barney, Citi Investment Research and The Citi Private Bank are all esteemed brands operating under the Citi Australia umbrella.

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Citi home loans

Advertised Rate

2.29

% p.a

Variable

Comparison Rate*

2.34

% p.a

Interest rates ranked in the best 20%
No ongoing fees
Parents can sign as guarantor
Extra repayments and redraw facility

Real Time Rating™

Advertised Rate

2.39

% p.a

Variable

Comparison Rate*

2.55

% p.a

Interest rates ranked in the best 20%
100% full offset account
Parents can sign as guarantor
Extra repayments and redraw facility

Real Time Rating™

Advertised Rate

2.54

% p.a

Variable

Comparison Rate*

2.59

% p.a

Lower than average interest rate
No ongoing fees
Parents can sign as guarantor
Extra repayments and redraw facility

Real Time Rating™

Advertised Rate

2.59

% p.a

Variable

Comparison Rate*

2.64

% p.a

Lower than average interest rate
No ongoing fees
Parents can sign as guarantor
Extra repayments and redraw facility

Real Time Rating™

Citi personal loans

Advertised Rate

9.99

% p.a

Variable up to 17.99%

Comparison Rate*

9.99

% p.a

Variable

Lower than average rate
No ongoing fees
No application fees
Unlimited extra repayments

Real Time Rating™

Advertised Rate

20.49

% p.a

Variable

Comparison Rate*

15.09

% p.a

Variable

special

3.99% p.a. on initial balance for first 3 years

Real Time Rating™

Citi credit cards

Purchase Rate

21.49

% p.a

Annual Fee

$49

for 12 months then $149

Balance Transfer

0% p.a. for 30 months on balance transfers (no balance transfer fee, reverts to cash advance rate of 22.24% p.a.) No interest free period applies to purchases while you have a balance transfer. Fees, charges, terms and conditions apply.

Purchase Rate

21.49

% p.a

Annual Fee

$49

for 12 months then $149

Rewards Available through Citi Rewards Program
Bonus 100,000 points subject to eligibility conditions
Reduced $49 annual fee in the first 12 months and $149 p.a thereafter.
Ability to convert large purchases into instalment plans

Purchase Rate

21.49

% p.a

Annual Fee

$99

for 12 months then $199

Bonus Points

Plan your great escape with a bonus 100,000 Velocity Frequent Flyer Points. To get them, simply spend $3,000 on eligible purchases in your first 90 days from card approval.

Purchase Rate

0.00

% p.a

for 6 months then 21.49%

Annual Fee

$0

Balance Transfer

0% p.a. on balance transfers and purchases for 6 months

Purchase Rate

21.49

% p.a

Annual Fee

$49

for 12 months then $149

Bonus Points

Receive 90,000 Citi reward Points and a $100 Coles eGift Card when you spend $3,000 in your first 90 days from approval. 0% p.a. on balance transfers for 15 months (reverts to cash advance rate of 22.24%) $49 annual fee p.a. in the first year, $149 in subsequent years. Offer ends 29th July, 2021.

Citi savings accounts

1.10

% p.a

intro 4 months then 0.35%

0.35

% p.a

Maximum interest rate ranked in the best 20% (conditions may apply)
Special intro rate
No ongoing fees
No minimum balance

Real Time Rating™

Citi bank accounts

Account Keeping Fees

$0

Monthly

$0

Over 3,000 Westpac Group ATMs

MasterCard

Maximum Interest rate

0.75%

special

Earn 0.75% interest and no withdrawal fees.

Real Time Rating™

Account Keeping Fees

$0

Monthly

$0

Over 3,000 Westpac Group ATMs

Maximum Interest rate

No international transaction fees whilst overseas or on international websites
Free ATMs Australia-wide and world wide
$0 account keeping fee
App banking available

Real Time Rating™

Citi term deposits

0.75

% p.a

for 6 months

$10,000

Next rate increased

0.75

% p.a

for 3 months

12 month interest rate (for $50k deposit) ranked in the best 20%
Interest rate variations available based on payment options
Automatic maturity rollover
Maturity alert by email

Real Time Rating™