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Citi credit cards

Citi Australia (Citi) 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 group’s 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, 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.

Citi customers can reach customer support by contacting them via:

  • Customer service (phone, email, branch)
  • Mobile app
  • Online banking
  • Mobile banking staff
Other available products

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Why choose Citi


  • Global brand
  • Emirates frequent flyer program
  • Complimentary travel insurance


  • Purchase rates may be moderate to high
  • Fees may be moderate to high

Citi Credit Cards

About Citi credit cards

Citi offers customers a wide range of credit card options, including:

  • Low interest 
  • No annual fees
  • Balance transfer
  • Rewards program
  • Travel 
  • Emirates Skywards
  • Premium
  • Mastercard

Citi offers a variety of credit cards ranging from balance transfer cards and rewards cards to no fee credit cards. Citi’s credit card interest rates and fees vary across each product. 

For points chasers, Citi offers an extensive rewards program that can be accessed through its rewards cards. Rewards points can be exchanged for a range of goods and services. Citi also offers access to its Citibank Dining Program, where you can get access to exclusive foodie benefits.  

For travellers, Citi has an Emirates Skywards credit card offering. This allows you to earn Skywards Miles through your purchases. It does come with high rates and fees, but also a high maximum credit limit, so it is assumed these cardholders will be able to afford these costs in order to enjoy the benefits offered. 

Citi credit cards review

Whether you’re looking for big rewards or to avoid fees, Citi offers credit cards for a variety of customers.  

If you’re looking for breathing room from your credit card debt, Citi offers 0 per cent balance transfers over a long period. As long as you don’t make any additional purchases and work off your debt, this may be a helpful resource for some customers. 

Citi offers an extensive rewards program with perks you might not find with other card providers, such as the Citibank Dining Program. This makes it potentially a competitive choice for some points chasers.

For international travellers, the ability to earn Emirates Skyward Miles may also be a draw. Citi also offers complimentary travel insurance. 

A major benefit of joining with Citi is that it is a global brand. While smaller credit card providers may potentially offer cards with lower rates or fees, Citi is a convenient choice in terms of your access to card perks and customer service across the globe. 

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.