- Collect 100,000 Flybuys bonus points when you apply for a Citi Rewards Credit Card, and spend $5,000 within 90 days from approval
- 0% balance transfer offer for 6 months (no BT fee applies). Reverts to Cash Advance rate. Please note, no interest free days apply to retail purchases while you have a balance transfer.
- Earn 1 point per $1 spend on eligible Domestic Spend (up to $10,000 per statement period)
- Receive monthly cashback on purchases from your favourite stores with My Cashback offers
- Enjoy 10% off or up to $250 on Limited Time Lux Exclusive hotel offers until 1 March 2025. T&Cs apply
- Complimentary insurance covers
- Access to Citi PayAll payments and Citi instalment plans
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Citi Credit Cards
Citi Rewards – Flybuys offer
Updated 18 September 2024
Collect 100,000 Flybuys bonus points when you apply for a new Citi Rewards Credit Card and spend $5,000 on eligible purchases within 90 days from card approval. Enjoy 0% p.a. on balance transfers for 6 months with no balance transfer fee plus, a range of complimentary insurances.
T&Cs apply.
Points Earn Rate (per $1 spent)
1 point
Capped at $10000 (domestic spend)
Rewards Program
Citi Rewards Program
Bonus Points
100,000 pts
Flybuys bonus points when you spend $5,000 in the first 90 days
Pros and cons
- High purchase rate of 21.49% p.a.
- Additional cardholder fee of $90
- Points cap on eligible Domestic Spend – up to $10,000 per statement period
Creditcard.com.au review
Editor Review
Citi Rewards – Flybuys offer
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The Citi Rewards Credit Card Review - Flybuys offer
Apply for the Citi Rewards Credit Card today, and you could take advantage of 100,000 bonus Flybuys points. You’ll also save on interest with 0% p.a. on balance transfers for the first 6 months (no balance transfer fee applies). Ongoing, you will earn rewards on the ever-flexible Citi Rewards Program, while accessing the card’s wide range of perks. Minimum spend of $5,000 within 90 days of card approval applies.
❗ Clarification on earning points: The bonus offer is paid in Flybuys points, but the points you earn on your spending every day are Citi reward points. You can transfer Citi points to Flybuys via your Citi Mobile App or online account (or a number of other rewards or frequent flyer programs).
What we love...
Time to get into that offer.
As a new cardholder, you can get your hands on 100,000 bonus Flybuys points – all you need to do is spend $3,000 on eligible purchases within 90 days of card approval. So then, what can you spend those points on – and what are they worth? When it comes to value – as with any rewards redemption – it really depends on how you use the points.
You could opt to cash-in your 100,000 Flybuys bonus points for $375 worth of Flybuys dollars at participating retail partners. Alternatively, you could redeem your points within the Flybuys store. There are many redemption options, with varying values on offer so it’s up to you to choose how to redeem your points in order to get the best value for you.
If you are looking to cut down your interest costs, this card also gives 0% interest on balance transfers for 6 months with no balance transfer fee.
What’s not so great...
Before you apply, think about what you will pay out on the card to take advantage of its offer – and its various features. Make sure you can afford to spend $5,000 on the card within the first three months, to then pay back your spending before it attracts interest. Also, think about whether the standard annual fee offers value on your spending ongoing.
If you tend to carry a balance, you may find this card helpful in paying down your existing debt. Keep in mind that a significant cash advance rate (currently 22.24% p.a.) kicks in after the 6-month promotional period. If you’ve got a balance to transfer, paying it off should be your focus over chasing bonus points.
Why should you choose this card?
If you’re looking for a rewards card that earns points on a flexible rewards program, the Citi Rewards Credit Card may just be for you.
- Earn 1 Citi rewards Point per $1 on all eligible transactions made overseas or online with a merchant that is based overseas
- Earn 1 Citi rewards Point per $1 on all eligible transactions in Australia (up to $10,000 per statement period)
And options to redeem the points you earn?
- Pay with Points: Use your points to cover eligible purchases. All you need to do is choose which purchases you want to cover with points, and you will receive a credit back.
- Shop with Points: You can use your points to pay when shopping at Kogan's website.
- Transfer: Choose to transfer your Citi reward Points to partner programs, including Emirates Skywards, Singapore Airlines KrisFlyer, Flybuys and more.
Let’s take a quick look at the various extras on offer.
- My Cashback. My Cashback is a no-fuss, hassle-free rewards program of Citi which allows cardholders to automatically receive monthly cashback on their purchases when they use their Citi Clear Card to shop from their favorite brands. Access the program in the Citi Mobile® App and check some personalised offers.
- Compatibility with Apple Pay, Google Pay, and Samsung Pay
- 24/7 support offering round-the-clock customer service, and fraud protection
- Complimentary insurance covers including International Travel Insurance, Transit Accident Insurance, Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme
- Complimentary Mobile Phone Insurance
- Personal concierge service available 24/7
- Access to Citi instalment plans
- You can take advantage of the Citi PayAll feature which lets you schedule recurring payments for your rent, education fees, childcare, taxes, bills, and more. Effective 1 November 2023, the Citi PayAll fee changed to 0.95% of the amount being paid.
Overall Rating
The Citi Rewards Credit Card is a seriously rewarding rewards card, offering access not just to the Citi Rewards Program, but to a number of excellent extras, including overseas travel insurance. On top of all that, as a new cardholder, you can benefit from 100,000 bonus Flybuys points (minimum spend applies) plus, 0% balance transfer offer for 6 months with no balance transfer fee.
User reviews
Rates and fees
Interest rates
Purchase rate 21.49% p.a.
Cash advance rate 22.24% p.a.
Interest free period on purchases up to 44 days
Balance transfer
Balance transfer rate 0% p.a. for 6 months
Balance transfer revert rate 22.24% p.a.
Balance transfer from personal loan Yes
Balance transfer fee No fee
Balance transfer limit 80% of approved credit limit
Brands you can't balance transfer from Citi
Credit limits
Minimum credit limit $2,000
Maximum credit limit $100,000
Fees & repayments
Annual fee $199 p.a.
Additional cardholder fee Up to 4 - $90 p.a.
Foreign transaction fee 3.4%
Minimum repayment 2% or $30 whichever is greater
Cash advance fee 3.5% or $3.50, whichever is greater (Domestic); $5 (International)
Late payment fee $30
Rewards and points
Rewards program
Rewards Program
Citi Rewards Program
Bonus points 100,000 points
Annual points cap 120,000
Bonus points spend criteria Flybuys bonus points when you spend $5,000 in the first 90 days
Earning points with this card
Citi Rewards points 1 point per $1 spent
Points cap per month Capped at $10000 (domestic spend)
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance Yes
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance Yes
Extras
Travel insurance underwritten by Allianz Global Assistance
Eligible with Apple Pay, Google Pay, and Samsung Pay
Mobile Phone Insurance
Overview
Citi Rewards – Flybuys offer
Key features
- Collect 100,000 Flybuys bonus points when you apply for a Citi Rewards Credit Card, and spend $5,000 within 90 days from approval
- 0% balance transfer offer for 6 months with no BT fee. Reverts to Cash Advance rate. Please note, no interest free days apply to retail purchases while you have a balance transfer.
- 1 point per $1 spend on eligible International Spend (uncapped)
- 1 point per $1 spend on eligible Domestic Spend (up to $10,000 per statement period)
- Receive monthly cashback on purchases from your favourite stores with My Cashback offers
- Enjoy awesome experiences around the world through Mastercard Priceless Cities
- Enjoy 10% off or up to $250 on Limited Time Lux Exclusive hotel offers until 1 March 2025. T&Cs apply
- Complimentary International Travel Insurance, Transit Accident Insurance, Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
You must be a permanent Australian resident
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
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