Important disclosure

Citi

Citi Citi Rewards (Purchases and Balance Transfer Offer)

  • Apple & Samsung Pay
  • Balance transfer

Balance Transfer

0% p.a. for 12 months on balance transfers and purchases

0% p.a. for 12 months on balance transfers and purchases

Purchase Rate

0.00%

p.a

for up to 12 months, then 21.49%

Balance Transfer Rate

0%

p.a

RateCity says

“Earn extensive rewards while keeping costs down, thanks to a reduced annual fee for the first year. This card comes with a zero per cent balance transfer rate over a long 30 month balance transfer time.”

Tags
  • Apple & Samsung Pay
  • Balance transfer
Purchase Rate

0.00%

p.a

for up to 12 months, then 21.49%

Balance Transfer Rate

0%

p.a

Annual Fee

$199

Pros and cons

For Citi Rewards (Purchases and Balance Transfer Offer)

Benefits

  • Rewards Available through Citi Rewards Program
  • International travel insurance
  • Price guarantee
  • Extended warranty
  • Concierge
  • Special events
  • Partner discounts
  • Purchase protection insurance

Drawbacks

  • Higher than average ongoing variable purchase rate
  • Higher than average ongoing annual fee
  • Does not offer free supplementary cards

Citi Rate Credit card overview

For Citi Rewards (Purchases and Balance Transfer Offer)

Details

Card Level

Platinum

Card Type

MasterCard

Interest Free Days

55

Minimum monthly repayment

2% or $30

Minimum credit limit

$2k

Maximum credit limit

$100k

Free supplementary cards

Instant Approval

Target Market Determination

Visit Citi to view Target Market Determination.

Fees

Annual Fee

$199

Annual Fee Spend Waiver

Supplementary card annual fee

$90

Late Payment Fee

$30

Over limit fee

Duplicate statement fee

$0

Electronic Wallet Service

Important Rates

Rates

Purchase Rate

0.00%

p.a

for up to 12 months, then 21.49%

Cash advance rate

22.24%

Cash advance fee

3.5% or $3.5

Balance Transfer

Balance Transfer Rate

0%

p.a

Transfer Limit

80%

Please note, no interest free days apply to retail purchases while you have a balance transfer

Balance Transfer Fee

Overseas spending

Foreign Exchange Fee

3.4% on Mastercard

Overseas charges

$5

Estimated ATM Cost

$15.2

for AU $300 withdrawal

Rewards

Program name

Citi Rewards Program

Rewards Available

Gift Card, Cash Back

Eligibility

Minimum age

16

Minimum income

$35k

Eligibility conditions

-

Residency

Australia Citizen, Permanent Resident

Perks

  • INTERNATIONAL TRAVEL INSURANCE Available when you use your Card to pay for return international travel
  • PRICE GUARANTEE If you purchase personal goods in Australia and then find the same product advertised later at a cheaper price within 60 days of purchase, from a store within 25km of the store where the item was purchased, you can claim back the difference if it is less than $500.
  • EXTENDED WARRANTY
  • CONCIERGE
  • SPECIAL EVENTS Each event will be subject to separate terms and conditions
  • PARTNER DISCOUNTS
  • PURCHASE PROTECTION INSURANCE Covers up to $10,000 per item and $200,000 per year
Specials
  • Balance TransferPurchase Offers 0% p.a. for 12 months on balance transfers and purchases
    0% p.a. for 12 months on balance transfers and purchases

Other Restrictions

Late Payment Fee of $30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account. Please note, no interest free days apply to retail purchases while you have a balance transfer.

Disclaimer

National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the credit provider and issuer of Citi branded financial and credit products. NAB has acquired the business relating to these products from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to provide transitional services.

“Citi”, “Citibank”, “Citigroup”, the Arc design and all similar trade marks and derivations thereof are used temporarily under licence by NAB from Citigroup Inc. and related group entities.

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