Citi Prestige Card

Snapshot 74 · Offer 114 · Offer status now: ended

Saved public issuer wording and any captured linked terms, including versions for ended offers. All times use UTC.

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Source wording changes

Read full saved wording and terms

Changes to the captured page text and terms, compared with snapshot 71 from .

Removed text is marked −. Added text is marked +. Unchanged text can be expanded. This compares saved Markdown, including source links and terms. Images and known navigation are omitted from this comparison.

− Removed

We use cookies on our site to help improve your experience. By continuing to
browse our site, you are agreeing to our privacy policy
[https://www.citigroup.com/australia/privacy/internet.html] and use of cookies.
Citi Logo
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/citi-logo-02-04-24.png]
[https://www1.citibank.com.au/]

+ Added

We use cookies on our site to help improve your experience. By continuing to browse our site, you are agreeing to our [privacy policy](https://www.citigroup.com/australia/privacy/internet.html) and use of cookies.
1 unchanged line

− Removed

 * /undefined
 * Credit cards [https://www1.citibank.com.au/credit-cards?intcid=Meganav-CC]
   
    * CREDIT CARDS [https://www1.citibank.com.au/credit-cards?intcid=Meganav-CC]
      
      Travel & rewards credit cards
      [https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/icons-27-11-23.png]
      Travel & rewards credit cards
      [https://www1.citibank.com.au/credit-cards?intcid=Meganav-CC#rewards]Balance
      transfer credit cards
      [https://www.cdn.citibank.com/v1/augcb/cbol/files/2nd-icon.png] Balance
      transfer credit cards
      [https://www1.citibank.com.au/credit-cards?intcid=Meganav-CC#balance-transfers]Low
      rate credit cards
      [https://www.cdn.citibank.com/v1/augcb/cbol/files/3rd-icon.png] Low rate
      credit cards
      [https://www1.citibank.com.au/credit-cards?intcid=Meganav-CC#low-rate]No
      annual fee credit card
      [https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/icon_24x24.png]
      No annual fee credit card
      [https://www1.citibank.com.au/credit-cards?intcid=Meganav-CC#no-annual-fee]View
      all credit cards >
      [https://www1.citibank.com.au/credit-cards?intcid=Meganav-CC-view-all]
   
    * FEATURES & BENEFITS [/undefined]
      
      Credit card benefits
      [https://www1.citibank.com.au/credit-cards/benefits?intcid=Meganav-CC]Complimentary
      travel insurance
      [https://www1.citibank.com.au/help-and-support/complimentary-insurance?intcid=Meganav-CC]Complimentary
      mobile phone insurance
      [https://www1.citibank.com.au/help-and-support/complimentary-mobile-insurance?intcid=Meganav-CC]Priority
      PassTM
      [https://www1.citibank.com.au/credit-cards/prioritypass?intcid=Meganav-CC]Citi
      PayAll
      [https://www1.citibank.com.au/offers-benefits/PayAll1?intcid=Meganav-CC]The
      Good Food & Wine Show
      [https://www1.citibank.com.au/goodfoodandwineshow?intcid=Meganav-CC]
   
    * CITI REWARDS PROGRAM [/undefined]

+ Added

1. [Home](https://www1.citibank.com.au/)
2. [Credit Cards](https://www1.citibank.com.au/credit-cards)
3. Citi Prestige Card
1 unchanged line

− Removed

      CITI REWARDS [https://www1.citibank.com.au/rewards?intcid=Meganav-CC]

+ Added

### 
1 unchanged line

− Removed

      PAY WITH POINTS
      [https://www1.citibank.com.au/rewards/pay-with-points?intcid=Meganav-CC]

+ Added

# 
1 unchanged line

− Removed

      INSTALMENT PLANS
      [https://www1.citibank.com.au/credit-cards/instalment-plans?intcid=Meganav-CC]

+ Added

Citi Prestige Credit Card
1 unchanged line

− Removed

      ACCOUNT INFORMATION [/undefined]

+ Added

---
1 unchanged line

− Removed

      SETTING UP REPAYMENTS
      [https://www1.citibank.com.au/personal-loans/help-and-support/repayments?intcid=Meganav-CC]

+ Added

**250,000 bonus Citi reward Points**  
when you spend $10,000 on eligible purchases within 3 months from approval.1
1 unchanged line

− Removed

      USEFUL FORMS AND LINKS
      [https://www1.citibank.com.au/help-and-support/useful-forms-and-links]

+ Added

[Apply now](https://www.citibank.com.au/acquisition/AUGCB/index.html#accope?pcode=MC333&scode=6WN9ZY61 "Apply now")
1 unchanged line

− Removed

      BALANCE TRANSFER CALCULATOR
      [https://www1.citibank.com.au/credit-cards/calculators?intcid=Meganav-CC]

+ Added

#### Important Information
1 unchanged line

− Removed

 * Loans [https://www1.citibank.com.au/personal-loans/ready-credit]
   
    * LOANS [https://www1.citibank.com.au/personal-loans/ready-credit]

+ Added

**Citi PayAll no longer available:** Citi PayAll will no longer be available from 20 January 2025.
1 unchanged line

− Removed

      CITI READY CREDIT
      [HTTPS://WWW.CDN.CITIBANK.COM/V1/AUGCB/CBOL/FILES/6TH-ICON.PNG] CITI READY
      CREDIT
      [https://www1.citibank.com.au/personal-loans/ready-credit?intcid=Meganav-PL]

+ Added

All Citi PayAll scheduled payments with a due date of 20 January 2025 and onwards will not be processed.
1 unchanged line

− Removed

      PERSONAL LOAN PLUS
      [HTTPS://WWW.CDN.CITIBANK.COM/V1/AUGCB/CBOL/FILES/IMAGES/2024/PERCENTAGE-40.PNG]
      PERSONAL LOAN PLUS
      [https://www1.citibank.com.au/personal-loans/personal-loan-plus?intcid=Meganav-PL]

+ Added

For more details, please refer to the [FAQs](https://www.citibank.com.au/payall/) and [Variation Notice](https://www.citibank.com.au/credit-cards/terms).
1 unchanged line

− Removed

      OFFERS AND BENEFITS
      [https://www1.citibank.com.au/personal-loans/offers-and-benefits?intcid=Meganav-PL]

+ Added

## **[There’s way more to a Citi Prestige Credit Card](https://www1.citibank.com.au/credit-cards/benefits/prestige)**
1 unchanged line

− Removed

    * ACCOUNT INFORMATION [/undefined]

+ Added

**Special offer**  
Get 250,000 bonus Citi reward Points with this special offer when you make the minimum spend.1
1 unchanged line

− Removed

      HOW TO USE YOUR ACCOUNT
      [https://www1.citibank.com.au/personal-loans/how-to-use-your-account?intcid=Meganav-PL]

+ Added

[](https://www1.citibank.com.au/credit-cards/benefits/prestige#4th-Night-Free)
1 unchanged line

− Removed

      HOW TO MANAGE YOUR ACCOUNT
      [https://www1.citibank.com.au/personal-loans/how-to-manage-your-account?intcid=Meganav-PL]

+ Added

[**4th Night on Us**](https://www1.citibank.com.au/credit-cards/benefits/prestige#4th-Night-Free)  
Book four consecutive nights or more at a range of hotels with Luxury Escapes and receive a credit back for one night (up to $1,000 credit per booking, four times per calendar year).ø
1 unchanged line

− Removed

      SETTING UP REPAYMENTS
      [https://www1.citibank.com.au/personal-loans/help-and-support/repayments?intcid=Meganav-PL]

+ Added

[](https://www1.citibank.com.au/credit-cards/prioritypass)
1 unchanged line

− Removed

      FEES & CHARGES
      [https://www1.citibank.com.au/personal-loans/fees-charges?intcid=Meganav-PL]

+ Added

[**Complimentary airport lounge access**](https://www1.citibank.com.au/credit-cards/prioritypass)  
Receive unlimited complimentary access to over 1,500 Priority Pass™️ lounges around the world for you and one guest.≥
1 unchanged line

− Removed

      USEFUL FORMS AND LINKS
      [https://www1.citibank.com.au/help-and-support/useful-forms-and-links?tab=lending&intcid=Meganav-PL]

+ Added

[](https://www1.citibank.com.au/credit-cards/benefits/prestige#Uber-Premier)
1 unchanged line

− Removed

      CALCULATORS & TOOLS
      [https://www1.citibank.com.au/personal-loans/calculators?intcid=Meganav-PL]

+ Added

[**Uber Premier $100 cashback**](https://www1.citibank.com.au/credit-cards/benefits/prestige#Uber-Premier)  
Spend $100 or more in one transaction on Uber Premier (or other available ride options) with your Citi Prestige Credit Card to receive $100 cashback. Cap and T&Cs apply.∝
1 unchanged line

− Removed

 * Help & support
   [https://www1.citibank.com.au/help-and-support?intcid=Meganav-HS]
   
    * HELP WITH CREDIT CARDS
      [HTTPS://WWW.CDN.CITIBANK.COM/V1/AUGCB/CBOL/FILES/3RD-ICON.PNG] HELP WITH
      CREDIT CARDS [/undefined]

+ Added

[](https://www1.citibank.com.au/help-and-support/complimentary-mobile-insurance)
1 unchanged line

− Removed

      CHECK APPLICATION STATUS
      [https://www.citibank.com.au/global_docs/check_app_status.htm]
      
      Activate & set up card
      [https://www1.citibank.com.au/help-and-support/card-activation?intcid=Meganav-HS]Understanding
      statements & repayments
      [https://www1.citibank.com.au/help-and-support/understanding-citis-monthly-credit-card-statement?intcid=Meganav-HS]Report
      lost or stolen card
      [https://www1.citibank.com.au/help-and-support/lost-or-stolen-card?intcid=Meganav-HS]Digital
      wallets
      [https://www.citibank.com.au/aus/mobile-wallets.htm?intcid=Meganav-HS]Setting
      up repayments
      [https://www1.citibank.com.au/personal-loans/help-and-support/repayments?intcid=Meganav-CC]Help
      with loans [https://www.cdn.citibank.com/v1/augcb/cbol/files/8th-icon.png]
      Help with loans [/undefined]How to manage your account
      [https://www1.citibank.com.au/personal-loans/how-to-manage-your-account?intcid=Meganav-HS]How
      to use your account
      [https://www1.citibank.com.au/personal-loans/how-to-use-your-account?intcid=Meganav-HS]Setting
      up repayments
      [https://www1.citibank.com.au/personal-loans/help-and-support/repayments?intcid=Meganav-HS]
   
    * ACCOUNT MANAGEMENT [/undefined]

+ Added

[**Complimentary Mobile Phone Insurance**](https://www1.citibank.com.au/help-and-support/complimentary-mobile-insurance)  
Pay your Monthly Mobile Plan bill with your Citi Prestige Credit Card and you'll be covered for Accidental Damage and Theft.\*
1 unchanged line

− Removed

      UPDATE CONTACT DETAILS
      [https://www1.citibank.com.au/help-and-support/update-contact-details?intcid=Meganav-HS]

+ Added

[](https://www1.citibank.com.au/credit-cards/benefits/prestige#Luxury-Escapes)
1 unchanged line

− Removed

      TRAVELLING OVERSEAS
      [https://www1.citibank.com.au/help-and-support/travelling-overseas?intcid=Meganav-HS]

+ Added

[**Luxury Escapes**](https://www1.citibank.com.au/credit-cards/benefits/prestige#Luxury-Escapes)  
Enjoy 10% off Limited Time LUX Exclusive hotel offers (up to $500) and international tours (up to $250) booked by 1 March 2025.$
1 unchanged line

− Removed

      RESET USER ID OR PASSWORD
      [https://www1.citibank.com.au/help-and-support/reset-password?intcid=Meganav-HS]

+ Added

[](https://www1.citibank.com.au/credit-cards/benefits/prestige#Binge)
1 unchanged line

− Removed

      DOCUMENT UPLOAD
      [https://www.citibank.com.au/aus/static/document_upload.htm?intcid=Meganav-HS]

+ Added

[**$10 monthly cashback with BINGE**](https://www1.citibank.com.au/credit-cards/benefits/prestige#Binge)  
Get $10 cashback every month until 31 October 2025 when you sign up for a Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription. Stream the TV shows and movies everyone is talking about.¥
1 unchanged line

− Removed

      DOWNLOAD CITI MOBILE®️ APP
      [https://www1.citibank.com.au/citi-mobile-app?intcid=Meganav-HS]

+ Added

[](https://www1.citibank.com.au/credit-cards/benefits/prestige#TripCom)
1 unchanged line

− Removed

      DEPOSIT & HOME LOAN ACCOUNTS
      [https://www1.citibank.com.au/nab?intcid=Meganav-HS]

+ Added

[**5% discount on international flights with Trip.com**](https://www1.citibank.com.au/credit-cards/benefits/prestige#TripCom)  
Explore the world with 5% off international flights from Australia with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026.π
1 unchanged line

− Removed

    * SUPPORT [/undefined]

+ Added

[](https://www1.citibank.com.au/mycashback)
1 unchanged line

− Removed

      SUPPORT SERVICES
      [https://www1.citibank.com.au/help-and-support/supporting-you?intcid=Meganav-HS]

+ Added

[**Cashback offers from the brands you love**](https://www1.citibank.com.au/mycashback)  
No opt-in or registration. Simply spend at stores with My Cashback offers and automatically receive cashback.△
1 unchanged line

− Removed

      FINANCIAL HARDSHIP
      [https://www1.citibank.com.au/help-and-support/financial-hardship?intcid=Meganav-HS]

+ Added

[](https://www1.citibank.com.au/help-and-support/complimentary-insurance)
1 unchanged line

− Removed

      DISASTER & CRISIS SUPPORT
      [https://www1.citibank.com.au/help-and-support/disaster-and-crisis-support?intcid=Meganav-HS]

+ Added

[**Complimentary Travel Insurance**](https://www1.citibank.com.au/help-and-support/complimentary-insurance)  
Access to Complimentary International and Domestic Travel Insurance with your Citi Prestige Credit Card.\~
1 unchanged line

− Removed

      SCAMS
      [https://www1.citibank.com.au/help-and-support/scams?intcid=Meganav-HS]

+ Added

## 
1 unchanged line

− Removed

      DISPUTE TRANSACTIONS
      [https://www1.citibank.com.au/help-and-support/dispute-transactions?intcid=Meganav-HS]

+ Added

## Earn Citi reward Points when you spend
1 unchanged line

− Removed

      BANKING CODE OF PRACTICE
      [https://www1.citibank.com.au/help-and-support/banking-code?intcid=Meganav-HS]

+ Added

#### International Spend
1 unchanged line

− Removed

      OPEN BANKING (DATA SHARING)
      [https://www1.citibank.com.au/open-banking?intcid=Meganav-HS]

+ Added

on [Eligible Transactions](#/augcb-cbol/block/6724)¥ made overseas or online with a merchant that is based overseas
1 unchanged line

− Removed

 * Insights [https://www1.citibank.com.au/insights?intcid=Meganav-IN]
 * About us [https://www1.citibank.com.au/nab?intcid=Meganav-AU]
   
    * THE MOVE TO NAB [https://www1.citibank.com.au/nab?intcid=Meganav-AU]

+ Added

**Citi reward Points** 
**per $1 spent**
1 unchanged line

− Removed

      SIGN INTO NAB > [https://ib.nab.com.au/login]

+ Added

**3 Points**
1 unchanged line

− Removed

 * Contact us [https://www1.citibank.com.au/contact-us?intcid=Meganav-CU]
   
    * REPORT LOST OR STOLEN CARD
      [https://www1.citibank.com.au/help-and-support/lost-or-stolen-card?intcid=Meganav-CU]

+ Added

#### Domestic Spend
1 unchanged line

− Removed

      REPORT A SCAM
      [https://www1.citibank.com.au/help-and-support/scams?intcid=Meganav-CU]

+ Added

on [Eligible Transactions](#/augcb-cbol/block/6724)¥ made directly with major: airlines, hotel chains and restaurants in Australia
1 unchanged line

− Removed

 * 
 * Sign on
   [https://www.citibank.com.au/AUGCB/JSO/username/signon/flow.action?JFP_TOKEN=GAMDDVJN]

+ Added

**Citi reward Points** 
**per $1 spent**
1 unchanged line

− Removed

 * /undefined
 * Credit cards [https://www1.citibank.com.au/credit-cards?intcid=Meganav-CC]
   
    * CREDIT CARDS [https://www1.citibank.com.au/credit-cards?intcid=Meganav-CC]
      
      Travel & rewards credit cards
      [https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/icons-27-11-23.png]
      Travel & rewards credit cards
      [https://www1.citibank.com.au/credit-cards?intcid=Meganav-CC#rewards]Balance
      transfer credit cards
      [https://www.cdn.citibank.com/v1/augcb/cbol/files/2nd-icon.png] Balance
      transfer credit cards
      [https://www1.citibank.com.au/credit-cards?intcid=Meganav-CC#balance-transfers]Low
      rate credit cards
      [https://www.cdn.citibank.com/v1/augcb/cbol/files/3rd-icon.png] Low rate
      credit cards
      [https://www1.citibank.com.au/credit-cards?intcid=Meganav-CC#low-rate]No
      annual fee credit card
      [https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/icon_24x24.png]
      No annual fee credit card
      [https://www1.citibank.com.au/credit-cards?intcid=Meganav-CC#no-annual-fee]View
      all credit cards >
      [https://www1.citibank.com.au/credit-cards?intcid=Meganav-CC-view-all]
   
    * FEATURES & BENEFITS [/undefined]
      
      Credit card benefits
      [https://www1.citibank.com.au/credit-cards/benefits?intcid=Meganav-CC]Complimentary
      travel insurance
      [https://www1.citibank.com.au/help-and-support/complimentary-insurance?intcid=Meganav-CC]Complimentary
      mobile phone insurance
      [https://www1.citibank.com.au/help-and-support/complimentary-mobile-insurance?intcid=Meganav-CC]Priority
      PassTM
      [https://www1.citibank.com.au/credit-cards/prioritypass?intcid=Meganav-CC]Citi
      PayAll
      [https://www1.citibank.com.au/offers-benefits/PayAll1?intcid=Meganav-CC]The
      Good Food & Wine Show
      [https://www1.citibank.com.au/goodfoodandwineshow?intcid=Meganav-CC]
   
    * CITI REWARDS PROGRAM [/undefined]

+ Added

**3 Points**
1 unchanged line

− Removed

      CITI REWARDS [https://www1.citibank.com.au/rewards?intcid=Meganav-CC]

+ Added

#### Domestic Spend
1 unchanged line

− Removed

      PAY WITH POINTS
      [https://www1.citibank.com.au/rewards/pay-with-points?intcid=Meganav-CC]

+ Added

on [Eligible Transactions](#/augcb-cbol/block/6724)¥ made directly with major: supermarkets, petrol outlets and national retailers
1 unchanged line

− Removed

      INSTALMENT PLANS
      [https://www1.citibank.com.au/credit-cards/instalment-plans?intcid=Meganav-CC]

+ Added

**Citi reward Points** 
**per $1 spent**
1 unchanged line

− Removed

      ACCOUNT INFORMATION [/undefined]

+ Added

**2 Points**
1 unchanged line

− Removed

      SETTING UP REPAYMENTS
      [https://www1.citibank.com.au/personal-loans/help-and-support/repayments?intcid=Meganav-CC]

+ Added

#### Domestic Spend
1 unchanged line

− Removed

      USEFUL FORMS AND LINKS
      [https://www1.citibank.com.au/help-and-support/useful-forms-and-links]

+ Added

on all other [Eligible Transactions](#/augcb-cbol/block/6724)¥ 
1 unchanged line

− Removed

      BALANCE TRANSFER CALCULATOR
      [https://www1.citibank.com.au/credit-cards/calculators?intcid=Meganav-CC]

+ Added

**Citi reward Points** 
**per $1 spent**
1 unchanged line

− Removed

 * Loans [https://www1.citibank.com.au/personal-loans/ready-credit]
   
    * LOANS [https://www1.citibank.com.au/personal-loans/ready-credit]

+ Added

**1 Point**
1 unchanged line

− Removed

      CITI READY CREDIT
      [HTTPS://WWW.CDN.CITIBANK.COM/V1/AUGCB/CBOL/FILES/6TH-ICON.PNG] CITI READY
      CREDIT
      [https://www1.citibank.com.au/personal-loans/ready-credit?intcid=Meganav-PL]

+ Added

## Rates and fees
1 unchanged line

− Removed

      PERSONAL LOAN PLUS
      [HTTPS://WWW.CDN.CITIBANK.COM/V1/AUGCB/CBOL/FILES/IMAGES/2024/PERCENTAGE-40.PNG]
      PERSONAL LOAN PLUS
      [https://www1.citibank.com.au/personal-loans/personal-loan-plus?intcid=Meganav-PL]

+ Added

**Balance transfer rate**
1 unchanged line

− Removed

      OFFERS AND BENEFITS
      [https://www1.citibank.com.au/personal-loans/offers-and-benefits?intcid=Meganav-PL]

+ Added

0% p.a. for 6 months2 with no balance transfer fee. Reverts to cash advance rate. Please note, you will be charged interest on retail purchases while you have a balance transfer.
1 unchanged line

− Removed

    * ACCOUNT INFORMATION [/undefined]

+ Added

---
1 unchanged line

− Removed

      HOW TO USE YOUR ACCOUNT
      [https://www1.citibank.com.au/personal-loans/how-to-use-your-account?intcid=Meganav-PL]

+ Added

**Annual fee**
1 unchanged line

− Removed

      HOW TO MANAGE YOUR ACCOUNT
      [https://www1.citibank.com.au/personal-loans/how-to-manage-your-account?intcid=Meganav-PL]

+ Added

$700
1 unchanged line

− Removed

      SETTING UP REPAYMENTS
      [https://www1.citibank.com.au/personal-loans/help-and-support/repayments?intcid=Meganav-PL]

+ Added

---
1 unchanged line

− Removed

      FEES & CHARGES
      [https://www1.citibank.com.au/personal-loans/fees-charges?intcid=Meganav-PL]

+ Added

**Additional cardholder fee**
1 unchanged line

− Removed

      USEFUL FORMS AND LINKS
      [https://www1.citibank.com.au/help-and-support/useful-forms-and-links?tab=lending&intcid=Meganav-PL]

+ Added

$0\. You may have up to 4 additional cardholders, who must be 16 years or older.
1 unchanged line

− Removed

      CALCULATORS & TOOLS
      [https://www1.citibank.com.au/personal-loans/calculators?intcid=Meganav-PL]

+ Added

---
1 unchanged line

− Removed

 * Help & support
   [https://www1.citibank.com.au/help-and-support?intcid=Meganav-HS]
   
    * HELP WITH CREDIT CARDS
      [HTTPS://WWW.CDN.CITIBANK.COM/V1/AUGCB/CBOL/FILES/3RD-ICON.PNG] HELP WITH
      CREDIT CARDS [/undefined]

+ Added

**Retail purchase rate**
1 unchanged line

− Removed

      CHECK APPLICATION STATUS
      [https://www.citibank.com.au/global_docs/check_app_status.htm]
      
      Activate & set up card
      [https://www1.citibank.com.au/help-and-support/card-activation?intcid=Meganav-HS]Understanding
      statements & repayments
      [https://www1.citibank.com.au/help-and-support/understanding-citis-monthly-credit-card-statement?intcid=Meganav-HS]Report
      lost or stolen card
      [https://www1.citibank.com.au/help-and-support/lost-or-stolen-card?intcid=Meganav-HS]Digital
      wallets
      [https://www.citibank.com.au/aus/mobile-wallets.htm?intcid=Meganav-HS]Setting
      up repayments
      [https://www1.citibank.com.au/personal-loans/help-and-support/repayments?intcid=Meganav-CC]Help
      with loans [https://www.cdn.citibank.com/v1/augcb/cbol/files/8th-icon.png]
      Help with loans [/undefined]How to manage your account
      [https://www1.citibank.com.au/personal-loans/how-to-manage-your-account?intcid=Meganav-HS]How
      to use your account
      [https://www1.citibank.com.au/personal-loans/how-to-use-your-account?intcid=Meganav-HS]Setting
      up repayments
      [https://www1.citibank.com.au/personal-loans/help-and-support/repayments?intcid=Meganav-HS]
   
    * ACCOUNT MANAGEMENT [/undefined]

+ Added

22.49% p.a. or pay off eligible purchases at a fixed interest rate over a set term with a [Citi Instalment Plan](https://www1.citibank.com.au/credit-cards/instalment-plans).^
1 unchanged line

− Removed

      UPDATE CONTACT DETAILS
      [https://www1.citibank.com.au/help-and-support/update-contact-details?intcid=Meganav-HS]

+ Added

---
1 unchanged line

− Removed

      TRAVELLING OVERSEAS
      [https://www1.citibank.com.au/help-and-support/travelling-overseas?intcid=Meganav-HS]

+ Added

**Cash advance rate**
1 unchanged line

− Removed

      RESET USER ID OR PASSWORD
      [https://www1.citibank.com.au/help-and-support/reset-password?intcid=Meganav-HS]

+ Added

22.99% p.a.
1 unchanged line

− Removed

      DOCUMENT UPLOAD
      [https://www.citibank.com.au/aus/static/document_upload.htm?intcid=Meganav-HS]

+ Added

---
1 unchanged line

− Removed

      DOWNLOAD CITI MOBILE®️ APP
      [https://www1.citibank.com.au/citi-mobile-app?intcid=Meganav-HS]

+ Added

**Interest free period**
1 unchanged line

− Removed

      DEPOSIT & HOME LOAN ACCOUNTS
      [https://www1.citibank.com.au/nab?intcid=Meganav-HS]

+ Added

Up to 44 days interest-free on retail purchases (unless you have a balance transfer).<
1 unchanged line

− Removed

    * SUPPORT [/undefined]

+ Added

---
1 unchanged line

− Removed

      SUPPORT SERVICES
      [https://www1.citibank.com.au/help-and-support/supporting-you?intcid=Meganav-HS]

+ Added

**Minimum credit limit**
1 unchanged line

− Removed

      FINANCIAL HARDSHIP
      [https://www1.citibank.com.au/help-and-support/financial-hardship?intcid=Meganav-HS]

      DISASTER & CRISIS SUPPORT
      [https://www1.citibank.com.au/help-and-support/disaster-and-crisis-support?intcid=Meganav-HS]

      SCAMS
      [https://www1.citibank.com.au/help-and-support/scams?intcid=Meganav-HS]

      DISPUTE TRANSACTIONS
      [https://www1.citibank.com.au/help-and-support/dispute-transactions?intcid=Meganav-HS]

      BANKING CODE OF PRACTICE
      [https://www1.citibank.com.au/help-and-support/banking-code?intcid=Meganav-HS]

      OPEN BANKING (DATA SHARING)
      [https://www1.citibank.com.au/open-banking?intcid=Meganav-HS]

 * Insights [https://www1.citibank.com.au/insights?intcid=Meganav-IN]
 * About us [https://www1.citibank.com.au/nab?intcid=Meganav-AU]
   
    * THE MOVE TO NAB [https://www1.citibank.com.au/nab?intcid=Meganav-AU]

      SIGN INTO NAB > [https://ib.nab.com.au/login]

 * Contact us [https://www1.citibank.com.au/contact-us?intcid=Meganav-CU]
   
    * REPORT LOST OR STOLEN CARD
      [https://www1.citibank.com.au/help-and-support/lost-or-stolen-card?intcid=Meganav-CU]

      REPORT A SCAM
      [https://www1.citibank.com.au/help-and-support/scams?intcid=Meganav-CU]

 * 
 * Sign on
   [https://www.citibank.com.au/AUGCB/JSO/username/signon/flow.action?JFP_TOKEN=GAMDDVJN]

 1. Home [https://www1.citibank.com.au]
 2. Credit Cards [https://www1.citibank.com.au/credit-cards]
 3. Citi Prestige Card

[object Object] [https://www.cdn.citibank.com/[object%20Object]]
CITI PRESTIGE CREDIT CARD

--------------------------------------------------------------------------------

250,000 BONUS CITI REWARD POINTS
WHEN YOU SPEND $10,000 ON ELIGIBLE PURCHASES WITHIN 3 MONTHS FROM APPROVAL.1

APPLY NOW
[https://www.citibank.com.au/acquisition/AUGCB/index.html#accope?pcode=MC333&scode=6WN9ZY61]

CITI PRESTIGE QANTAS CREDIT CARD
[HTTPS://WWW.CDN.CITIBANK.COM/V1/AUGCB/CBOL/FILES/IMAGES/2021/ALL-CARDS_PRESTIGE.PNG]

THERE’S WAY MORE TO A CITI PRESTIGE CREDIT CARD
[https://www1.citibank.com.au/credit-cards/benefits/prestige]

Special offer
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/075-pay-with-points-b1-circle.png]
Special offer
Get 250,000 bonus Citi reward Points with this special offer when you make the
minimum spend.1
4th Night on Us icon
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/102-hotel-b1-circle.png]
[https://www1.citibank.com.au/credit-cards/benefits/prestige#4th-Night-Free]
4th Night on Us
[https://www1.citibank.com.au/credit-cards/benefits/prestige#4th-Night-Free]
Book four consecutive nights or more at a range of hotels with Luxury Escapes
and receive a credit back for one night (up to $1,000 credit per booking, four
times per calendar year).ø
Complimentary airport lounge access icon
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/140-plane-b1-circle.png]
[https://www1.citibank.com.au/credit-cards/prioritypass]
Complimentary airport lounge access
[https://www1.citibank.com.au/credit-cards/prioritypass]
Receive unlimited complimentary access to over 1,500 Priority Pass™️ lounges
around the world for you and one guest.≥
Uber Premier $100 Cashback icon
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/105-auto-b1-circle.png]
[https://www1.citibank.com.au/credit-cards/benefits/prestige#Uber-Premier]
Uber Premier $100 cashback
[https://www1.citibank.com.au/credit-cards/benefits/prestige#Uber-Premier]
Spend $100 or more in one transaction on Uber Premier (or other available ride
options) with your Citi Prestige Credit Card to receive $100 cashback. Cap and
T&Cs apply.∝
Complimentary Mobile Phone Insurance icon
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/055-mobile-b1-circle.png]
[https://www1.citibank.com.au/help-and-support/complimentary-mobile-insurance]
Complimentary Mobile Phone Insurance
[https://www1.citibank.com.au/help-and-support/complimentary-mobile-insurance]
Pay your Monthly Mobile Plan bill with your Citi Prestige Credit Card and you'll
be covered for Accidental Damage and Theft.*
Luxury Escapes icon
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/133-travel-b1-circle.png]
[https://www1.citibank.com.au/credit-cards/benefits/prestige#Luxury-Escapes]
Luxury Escapes
Enjoy 10% off Limited Time LUX Exclusive hotel offers (up to $500) and
international tours (up to $250) booked by 1 March 2025.$
Complimentary Travel Insurance icon
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/080-globe-b1-circle.png]
[https://www1.citibank.com.au/help-and-support/complimentary-insurance]
Complimentary Travel Insurance
[https://www1.citibank.com.au/help-and-support/complimentary-insurance]
Access to Complimentary International and Domestic Travel Insurance with your
Citi Prestige Credit Card.~
MyCashback icon
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/217-dollar-refresh-b1-circle.png]
[https://www1.citibank.com.au/mycashback]
Cashback offers from the brands you love
[https://www1.citibank.com.au/mycashback]
No opt-in or registration. Simply spend at stores with My Cashback offers and
automatically receive cashback.△
Pay with Points icon
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/219-dollar-forward-b1-circle.png]
[https://www1.citibank.com.au/rewards/pay-with-points]
Pay with Points [https://www1.citibank.com.au/rewards/pay-with-points]
Use your Points to get a credit back for almost anything you buy with your Citi
Credit Card.»
Concierge Service icon
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/127-concierge-bell-b1-circle.png]
[https://www1.citibank.com.au/credit-cards/benefits/prestige#Personal-Concierge]
Concierge Service
[https://www1.citibank.com.au/credit-cards/benefits/prestige#Personal-Concierge]
Connect to extraordinary travel, dining, and entertainment experiences, perks,
and privileges, with a 24/7 personalised concierge service to assist and inspire
you.⋈

EARN CITI REWARD POINTS WHEN YOU SPEND

[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2019/international_spend_icon.png]

INTERNATIONAL SPEND

on Eligible Transactions¥ made overseas or online with a merchant that is based
overseas

Citi reward Points
per $1 spent

3 Points
 
[https://www.cdn.citibank.com/v1/augcb/cbol/files/inline-images/domestic_spend_hotel_icon_1.png]

DOMESTIC SPEND

on Eligible Transactions¥ made directly with major: airlines, hotel chains and
restaurants in Australia

Citi reward Points
per $1 spent

3 Points
 
[https://www.cdn.citibank.com/v1/augcb/cbol/files/inline-images/domestic_spend_supermarkets_icon_0.png]

DOMESTIC SPEND

on Eligible Transactions¥ made directly with major: supermarkets, petrol outlets
and national retailers

Citi reward Points
per $1 spent

2 Points
 
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2019/domestic_spend_other_icon.png]

DOMESTIC SPEND

on all other Eligible Transactions¥ including Citi PayAll Paymentsπ

Citi reward Points
per $1 spent

1 Point

RATES AND FEES

Balance transfer rate
0% p.a. for 6 months2 with no balance transfer fee. Reverts to cash advance
rate. Please note, you will be charged interest on retail purchases while you
have a balance transfer.

--------------------------------------------------------------------------------

Annual fee
$700

--------------------------------------------------------------------------------

Additional cardholder fee
$0. You may have up to 4 additional cardholders, who must be 16 years or older.

--------------------------------------------------------------------------------

Retail purchase rate
21.49% p.a. or pay off eligible purchases at a fixed interest rate over a set
term with a Citi Instalment Plan
[https://www1.citibank.com.au/credit-cards/instalment-plans].^

--------------------------------------------------------------------------------

Cash advance rate
22.24% p.a.

--------------------------------------------------------------------------------

Interest free period
Up to 44 days interest-free on retail purchases (unless you have a balance
transfer).<

--------------------------------------------------------------------------------

Minimum credit limit
2 unchanged lines
$20,000

− Removed

--------------------------------------------------------------------------------

+ Added

---
1 unchanged line

− Removed

Maximum credit limit

+ Added

**Maximum credit limit**

2 unchanged lines
$100,000

− Removed

--------------------------------------------------------------------------------

+ Added

---
1 unchanged line

− Removed

There may be circumstances in which you have to pay other fees. A full list of
current fees applicable to this credit card can be viewed on our credit card
fees and charges
[https://www1.citibank.com.au/credit-cards/fees-and-charges] page.

+ Added

There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be viewed on our [credit card fees and charges](https://www1.citibank.com.au/credit-cards/fees-and-charges "Citi fees and charges") page.
1 unchanged line

− Removed

A WEALTH OF WAYS TO SPEND YOUR CITI REWARD POINTS

+ Added

## A wealth of ways to spend your Citi reward Points
1 unchanged line

− Removed

Pay with Points
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/shopping-bag.png]

+ Added

![Pay with Points
1 unchanged line

− Removed

PAY WITH POINTS

+ Added

](https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/shopping-bag.png)
1 unchanged line

− Removed

Redeem your Citi reward Points for eligible purchases and receive a credit
back.»

+ Added

### **Pay with Points**
1 unchanged line

− Removed

Shop with Points
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/camera.png]

+ Added

Redeem your Citi reward Points for eligible purchases and receive a credit back.»
1 unchanged line

− Removed

SHOP WITH POINTS

+ Added

### **Shop with Points**
1 unchanged line

− Removed

Use your Citi reward Points to pay for purchases at kogan.com.=

+ Added

Use your Citi reward Points to pay for purchases at kogan.com.\=
1 unchanged line

− Removed

Transfer your Points
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/suitcase.png]

+ Added

### **Transfer your Points**
1 unchanged line

− Removed

TRANSFER YOUR POINTS

+ Added

Easily transfer your Citi reward Points to a variety of Airline and Other Loyalty Programs including Flybuys, Singapore Airlines KrisFlyer and Velocity Frequent Flyer.§
1 unchanged line

− Removed

Easily transfer your Citi reward Points to a variety of Airline and Other
Loyalty Programs including Flybuys, Singapore Airlines KrisFlyer and Velocity
Frequent Flyer.§

+ Added

[Find out more](https://www1.citibank.com.au/rewards)
1 unchanged line

− Removed

Find out more [https://www1.citibank.com.au/rewards]

+ Added

Keep up to date with the latest offers and benefits available on your [Citi Prestige Credit Card](https://www1.citibank.com.au/credit-cards/benefits/prestige).
1 unchanged line

− Removed

Keep up to date with the latest offers and benefits available on your Citi
Prestige Credit Card
[https://www1.citibank.com.au/credit-cards/benefits/prestige].
Citi Prestige Credit Card offers and benefits
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/hi5_0.png]

+ Added

### More ways to pay
1 unchanged line

− Removed

Contactless payment with your smartwatch
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/watch-pay.png]

+ Added

Enjoy the ease of cashless and contactless payments with your Citi Credit Card. Simply tap and pay with your card in hand, on your phone, or on your wearable.
1 unchanged line

− Removed

MORE WAYS TO PAY

+ Added

[**Learn how to set up a mobile wallet >**](https://www.citibank.com.au/aus/mobile-wallets.htm)
1 unchanged line

− Removed

Enjoy the ease of cashless and contactless payments with your Citi Credit Card.
Simply tap and pay with your card in hand, on your phone, or on your wearable.

+ Added

[**Learn about Apple Pay >**](https://www1.citibank.com.au/help-and-support/apple-pay)
1 unchanged line

− Removed

Learn how to set up a mobile wallet >
[https://www.citibank.com.au/aus/mobile-wallets.htm]

+ Added

[**Learn about Google Pay >**](https://www1.citibank.com.au/googlepayfaqs)
1 unchanged line

− Removed

Learn about Apple Pay >
[https://www1.citibank.com.au/help-and-support/apple-pay]

+ Added

[**Learn about Samsung Pay >**](https://www.citibank.com.au/samsungpay/)
1 unchanged line

− Removed

Learn about Google Pay > [https://www1.citibank.com.au/googlepayfaqs]

+ Added

## 
1 unchanged line

− Removed

Learn about Samsung Pay > [https://www.citibank.com.au/samsungpay/]

+ Added

## Apply now in 3 simple steps
1 unchanged line

− Removed

APPLY NOW IN 3 SIMPLE STEPS

+ Added

### **1\. Ensure you’re eligible**
1 unchanged line

− Removed

Ensure you’re eligible
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/059-check-b1.png]

+ Added

Have a look at our criteria below – if you tick every box, you’ll be eligible to apply.
1 unchanged line

− Removed

1. ENSURE YOU’RE ELIGIBLE

+ Added

[](https://www1.citibank.com.au/)
1 unchanged line

− Removed

Have a look at our criteria below – if you tick every box, you’ll be eligible to
apply.

+ Added

### **2\. Apply online**
1 unchanged line

− Removed

/

Apply online
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/225-laptop-pin-b1.png]

2. APPLY ONLINE

2 unchanged lines
Submit your Citi Prestige Credit Card application online in just 10 minutes.

− Removed

/

+ Added

[](https://www1.citibank.com.au/)
1 unchanged line

− Removed

Stay in touch
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/284-card-hand-b1_0.png]

+ Added

### **3\. Stay in touch**
1 unchanged line

− Removed

3. STAY IN TOUCH

+ Added

We’ll advise when your application has been approved. You should receive your card within 5-7 business days.
1 unchanged line

− Removed

We’ll advise when your application has been approved. You should receive your
card within 5-7 business days.

+ Added

[](https://www1.citibank.com.au/)
1 unchanged line

− Removed

/

+ Added

[](https://www1.citibank.com.au/)
1 unchanged line

− Removed

/

+ Added

## What you need to apply
1 unchanged line

− Removed

WHAT YOU NEED TO APPLY

+ Added

**Receive a regular income**
1 unchanged line

− Removed

Receive a regular income
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/013-dollar-b1.png]

+ Added

**18 years or older**
1 unchanged line

− Removed

Receive a regular income

+ Added

**Permanent Australian resident**
1 unchanged line

− Removed

18 years or older
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/052-calendar-date-b1.png]

+ Added

**Mobile phone and email**
1 unchanged line

− Removed

18 years or older

+ Added

**2 forms of identification:**
1 unchanged line

− Removed

Permanent Australian resident
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/037-home-b1.png]

+ Added

* **Australian Driver Licence**
* **OR Passport**
* **OR Medicare Card**
1 unchanged line

− Removed

Permanent Australian resident

+ Added

**Proof of income: payslips**
1 unchanged line

− Removed

Mobile phone and email
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/055-mobile-b1.png]

+ Added

## Looking for something different in your credit card?
1 unchanged line

− Removed

Mobile phone and email

+ Added

We have a variety of cards to help with travel expenses, or unlocking cashback offers - see where a Citi Credit Card can take you.
1 unchanged line

− Removed

2 forms of identification
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/029-document-check-b1.png]

+ Added

[Browse other offers](https://www1.citibank.com.au/credit-cards "Browse other offers")
1 unchanged line

− Removed

2 forms of identification:

+ Added

## Things you should know
1 unchanged line

− Removed

 * Australian Driver Licence
 * OR Passport
 * OR Medicare Card

+ Added

Fees and charges apply. Credit criteria apply. New Citi Prestige credit card customers only and cannot be used in conjunction with any other offers. A credit check is performed each time you apply for a credit card. Credit reporting bodies make a record of these enquiries and this information may be used and disclosed for the purposes of assessing your credit worthiness, including your credit score and credit rating. For example, making multiple credit applications over a short period of time could have a negative effect on your credit score, as this may reduce your chances of approval.
1 unchanged line

− Removed

Proof of Income: Payslips
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/062-document-bill-b1.png]

+ Added

Refer to the full Terms and Conditions related to this product [here](https://www1.citibank.com.au/help-and-support/useful-forms-and-links?tab=creditcards "click here for full terms and conditions"). To obtain a copy of the Target Market Determination (TMD) related to this product, [click here](https://www1.citibank.com.au/help-and-support/target-market-determination "click here to obtain a copy of the target market determination").
1 unchanged line

− Removed

Proof of income: payslips

+ Added

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 credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to provide transitional services.
1 unchanged line

− Removed

Multiple cards
[https://www.cdn.citibank.com/v1/augcb/cbol/files/cardshowcase.png]

LOOKING FOR SOMETHING DIFFERENT IN YOUR CREDIT CARD?

We have a variety of cards to help with travel expenses, or unlocking cashback
offers - see where a Citi Credit Card can take you.

Browse other offers [https://www1.citibank.com.au/credit-cards]

THINGS YOU SHOULD KNOW

Fees and charges apply. Credit criteria apply. New Citi Prestige credit card
customers only and cannot be used in conjunction with any other offers.

Refer to the full Terms and Conditions related to this product here
[https://www1.citibank.com.au/help-and-support/useful-forms-and-links?tab=creditcards].
To obtain a copy of the Target Market Determination (TMD) related to this
product, click here
[https://www1.citibank.com.au/help-and-support/target-market-determination].

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 credit
cards. NAB has acquired the business relating to these products from Citigroup
Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098)
(“Citi”) and has appointed Citi to provide transitional services.

2 unchanged lines
Our/us/we means NAB unless the context otherwise requires it. 

− Removed

“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.

+ Added

“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.
1 unchanged line

− Removed

 1. Bonus Citi reward Points
    To be eligible to receive 250,000 bonus Citi reward Points, you must spend a
    minimum of $10,000 on eligible purchases using your new card within 3 months
    from approval. Eligible purchases exclude Cash Advances, Balance Transfers,
    Special Promotions, interest, fees, refunds and Chargebacks. The bonus Citi
    reward Points will be credited to your Rewards Balance within 2 months of
    meeting the spend criteria. Your Citi Prestige Card must remain open, in
    good standing (for example – your account is not in default, suspended or
    closed) and enrolled in the Citi Rewards program for the bonus Citi reward
    Points to be awarded. All rewards are subject to the Terms and Conditions of
    the Citi Rewards Program
    [https://www.citibank.com.au/global_docs/pdf/MCG12231_1014.pdf]. Please note
    that if you have a balance transfer you will not be entitled to any interest
    free days on retail purchases. This means that all spend will be charged
    interest at the applicable annual percentage rate. This offer commenced 9
    September 2024. We may vary or end this offer at any time. This offer is not
    available when closing or transferring from another Citi branded credit card
    account or in conjunction with any other Citi branded credit card offer.

+ Added

1. **Bonus Citi reward Points**  
 To be eligible to receive 250,000 bonus Citi reward Points, you must spend a minimum of $10,000 on eligible purchases using your new card within 3 months from approval. Eligible purchases exclude Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria. The bonus Citi reward Points will be credited to your Rewards Balance within 2 months of meeting the spend criteria. Your Citi Prestige Card must remain open, in good standing (for example – your account is not in default, suspended or closed) and enrolled in the Citi Rewards program for the bonus Citi reward Points to be awarded. All rewards are subject to the [Terms and Conditions of the Citi Rewards Program](https://www.citibank.com.au/global%5Fdocs/pdf/MCG12231%5F1014.pdf). Please note that if you have a balance transfer you will not be entitled to any interest free days on retail purchases. This means that all spend will be charged interest at the applicable annual percentage rate. This offer commenced 9 September 2024\. We may vary or end this offer at any time. This offer is not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer.
2. **Balance Transfer offer**  
 Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate will apply to balances transferred with this offer within 3 months from card approval for a period of 6 months from the date the balance transfer is processed. At the end of the balance transfer promotional period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.99% p.a. This offer excludes balances transferred from Citi branded unsecured credit products. Please note, you will be charged interest on retail purchases while you have a balance transfer. For important information to consider before taking up a balance transfer, please [click here](https://www.citibank.com.au/aus/credit%5Fcards/balance%5Ftransfers.htm). This offer commenced 9 September 2024\. We may vary or end this offer at any time.
* ø**4th Night on Us**  
 The promo code "CitiPrestige" must be applied at checkout to redeem the benefit. 4th Night on Us benefit is capped at 4 redemptions per calendar year and bookings must be made and used in the same calendar year. The credit amount is capped at $1,000 per redemption. 4th Night on Us is a special feature of the Citi Prestige Credit Card. Valid for Citi Prestige Primary Cardholders only. A minimum of 4 consecutive nights' stay is required in order to receive a credit for one night. This benefit cannot be used in conjunction with other offers/benefits. The credit value of the one night is calculated as the average nightly room rate for the total nights' stay. Only one credit amount will be paid per Citi Prestige Primary Cardholder per room per booking. Booking for the accommodation must be of the same room types. Back-to-back stays are not allowed. Back-to-back stays are stays at the same city/state booked on two reservations (as an example, you book four nights at a hotel on one reservation for Monday, Tuesday, Wednesday and Thursday and book another four nights on another reservation for Friday, Saturday, Sunday and Monday. In this situation, you would only be eligible for one complimentary night for the 8-night stay). Between each booking, a minimum of a 7-day window is required. Luxury Escapes Pty Ltd pays a commission to National Australia Bank for certain booking types. Offer is renewed each year unless we notify you otherwise. Please refer to the full [Terms and Conditions](https://www1.citibank.com.au/prestige-benefits/terms) for further information.
* **$Luxury Escapes**  
 10% discount is valid on 'Limited Time LUX Exclusive' hotel offers (excludes flights) or any international tour at [luxuryescapes.com/au](https://luxuryescapes.com/au) or on the Luxury Escapes mobile app. Offer valid at Australian website only. Offers are valid exclusively to Citi Prestige cardholders and is not transferable. Maximum discount available per transaction is $500 for Limited Time Lux Exclusive hotels and $250 for international tours. Offers are valid if booked by 1 March 2025\. To be eligible, customers must use their Citi Prestige Card at checkout along with the promo code PRESTIGECITI10 when purchasing Limited Time LUX Exclusive hotels, or CITITOUR10 when purchasing an international tour, and the discount will be applied automatically. Excludes transactions made through a third-party establishment or payment processor. Offer is not valid on flights, LUX Partner Properties, LUX Premium Collection, Last Minute Escapes, Cruises, Experiences or Gift Cards. Offer is not combinable with any other discount or offer.
* **\*Mobile Phone Protection Insurance**  
 Mobile Phone Protection Insurance (Cover) is provided under and by way of a group policy (Group Policy) issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB"). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi"). Citi has agreed with NAB to provide transitional services in relation to the transferred business. This Cover is available to Cardholders ("you/your") while you remain an eligible Mastercard and/or Visa cardholder of NAB, subject to NAB’s and AIG's right to alter the Cover. The terms, conditions and excluded cover are specified in the '[Citi Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions](https://www.cdn.citibank.com/v1/augcb/cbol/files/documents/2021/mobile-insurance-termsandconditions.pdf)' as amended from time to time. When eligible, you have the benefit of cover as a third party beneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. Neither Citi nor NAB is the issuer or insurer of the Cover. Neither Citi nor NAB nor any of its related corporations guarantee any of the benefits under the Cover. Please note that you must have a contract with a mobile phone provider and a monthly automatic billing arrangement.
* ¥**Points earn rate**  
 All rewards are subject to the [Terms and Conditions of the Citi Rewards Program](https://www.citibank.com.au/global%5Fdocs/pdf/MCG12231%5F1014.pdf). The Citi Prestige Card earns 3 Points per $1 on eligible International Spend and for selected purchases made and booked directly from a range of major restaurants and restaurant chains, major hotel chains, major travel agencies, major travel aggregators and flights directly booked with major airlines. 2 Points per $1 for selected purchases made at major petrol outlets, major supermarkets and major national retailers. 1 Point per $1 spent everywhere else on Eligible Transactions. Domestic Spend and International Spend means any Eligible Transaction made with a merchant who respectively tells us they are located within Australia or outside Australia. Please [click here](#/augcb/block/6727) for the full definition of Eligible Transactions. Please note purchases not ordered or booked directly from the restaurant (e.g. through a delivery company) are not included in the higher earn rate. Please note that whether or not a purchase is eligible to earn Points and how many (e.g. whether the merchant is a "major restaurant") will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). If, for example, a restaurant is not classified as a restaurant by the card scheme, it will not be treated as a "major restaurant" for calculating Points. Points do not expire while the card remains open and in good standing (for example – your account is not in default, suspended or closed).
* »**Pay with Points**  
 Pay with Points is available on eligible purchases. An eligible purchase is a transaction we will present to you in your Citi Mobile® App or Citi Online that can be paid by redeeming your reward Points. The types of transactions that may be paid by redeeming your reward Points may change and we will present these to you in the Citi Mobile® App or Citi Online.
* \=**Shop with Points**  
 To use your reward Points toward eligible purchases at Kogan.com, you must have a Kogan.com account, be the primary cardholder of a card enrolled in the Citi Rewards Program ("eligible card"), enrol your eligible reward card with Kogan.com and agree to the Shop with Card Reward Points terms and conditions. You may only enrol one eligible reward card at any time. Customers who are enrolled in the Citi Qantas Rewards Program will not be eligible for Shop with Points at Kogan.com. The Shop with Card Reward Points terms and conditions are to be read in conjunction with the [Terms and Conditions of the Citi Rewards Program](https://www.citibank.com.au/global%5Fdocs/pdf/MCG12231%5F1014.pdf).
* §**Points transfer**  
 You must be a member of the Airline, Hotel and Other Loyalty Program in which you wish to claim Airline, Hotel and Other Loyalty Points and have advised us of your airline and hotel loyalty program membership number prior to any such redemption. Membership of an airline and hotel loyalty program will be subject to the terms and conditions of that program. Airline, Hotel and Other Loyalty Points may take up to 28 business days to appear in your Airline, Hotel and Other Loyalty Program membership account.
* **<Interest free period**  
 The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any Fixed Payment Option balance which isn’t due for payment by that payment due date). No interest free period is available on Cash Advances or Balance Transfers. Whilst you have a Balance Transfer you will be charged interest on your daily unpaid balance.
* **^Citi Instalment Plans**  
 Citi Instalment Plan is defined in the Credit Card Terms and Conditions as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). For the full terms and conditions that apply to Fixed Payment Options, please refer to the [Credit Card Terms and Conditions and Other Important Information](https://www.citibank.com.au/global%5Fdocs/pdf/MCG15638%5F1118.pdf).
* \~**Complimentary Insurances**  
 Complimentary insurance covers are subject to eligibility requirements: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the [Citi Credit Cards Complimentary Insurance Policy Information Booklet](https://www.citibank.com.au/global%5Fimages/complimentaryinsurance/pdf/mcg7932%5F0319%5Fciti%5Fdescription%5Fof%5Fcover%5Ffinal.pdf) which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.
* ≥**Airport lounge access**  
 One complimentary digital Priority Pass™ Membership, with unlimited lounge visits, for the primary cardholder is a Special Feature of the Citi Prestige Card. Citi Prestige Credit Cardholders must enrol for the Priority Pass™ Standard Membership at [www.prioritypass.com/prestigeaumc](http://www.prioritypass.com/prestigeaumc). The primary cardholder may bring one guest for free per visit. Any additional guests will be charged directly by the lounge. You will need to download the Priority Pass™ App via the Apple App Store or get it on the Google Play Store to access your Digital Membership Card. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass™ is available at select airports. For the full list of up-to-date airport lounges and Priority Pass™ Conditions of Use please refer to [www.prioritypass.com](http://www.prioritypass.com/) along with the [Citi Prestige Credit Card Benefit Terms and Conditions](https://www1.citibank.com.au/prestige-benefits/terms) for further information.
* ∆**My Cashback Offers**  
 My Cashback offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). For more information, visit the [My Cashback page](https://www1.citibank.com.au/mycashback).
* ∝**Uber Premier $100 cashback**  
 To be eligible to receive the Uber Premier $100 cashback, as the primary cardholder, you must make the booking for an Uber Ride via the Uber app and spend AUD$100 or more in one transaction using your Citi Prestige Card. The benefit is capped at one redemption per calendar year. Payment must be made directly with your Citi Prestige Card via the Uber app. Excludes Uber Eats, Uber Pass, Uber Gift Card and transactions made through a third-party establishment or payment processor. The Uber Premier $100 Cashback will be calculated on the first eligible spend during the calendar year and credited to your account within eight weeks after the qualifying transaction is processed provided your account is open and in good standing (for example – your account is not in default, suspended or closed). Cashback will not be credited to your account if the qualifying spend is refunded or reversed. Cashback will reduce the outstanding balance of your account but will not count towards your next monthly repayment obligation depending on when it is credited to your account. Please refer to the full [Terms and Conditions](https://www1.citibank.com.au/prestige-benefits/terms) for further information. Only available for travel within Australia.
* **¥$10 monthly cashback with BINGE**  
 To be eligible for the $10 monthly cashback (Cashback Offer) your monthly payment for your BINGE Standard or BINGE Premium subscription must be made between 20 November 2024 – 31 October 2025 (Promotional Period) using your eligible Citi Prestige Mastercard, Citi Premier Mastercard, Citi Rewards Mastercard, Citi Clear Mastercard credit cards. The Cashback Offer is only available on BINGE Standard or Premium monthly subscriptions. BINGE Standard and Premium subscriptions will automatically renew each month at full RRP. Must sign up via [binge.com.au](https://binge.com.au/browse). Excludes sign ups via [Hubbl.com.au](http://hubbl.com.au/). This Cashback Offer cannot be used in conjunction with any other offer, promotion, special offer, discount, coupon, or discount code, nor is it transferrable. Subscriptions purchased using any other form of payment (e.g. through a third-party establishment or payment processor such as Telstra, PayPal, gift cards, Apple Pay, Samsung Pay and Google Pay, or loyalty points) will not be eligible for the Cashback Offer. The Cashback Offer will be credited to your account by the next statement after the eligible BINGE subscription has been purchased each month you stay subscribed to BINGE during the Promotional Period, provided your account is in good standing (for example – your account is not in default, suspended or closed). Cashback will not be credited to your account if the qualifying spend is refunded. Customers who upgrade to the BINGE Standard or Premium plan during the Promotional Period, otherwise in accordance with these terms, will be eligible for the Cashback Offer, which will be paid by the statement after first full payment of the higher subscription fee. The Cashback Offer payment will reduce the outstanding balance of your credit card account but will not count towards your next minimum monthly repayment obligation. Please note that if you have a Balance Transfer you will be charged interest on any spend that you make. Credit is not redeemable for cash or other payment form. Use of BINGE requires acceptance of the [Hubbl Streaming & Account Customer Terms](https://help.hubbl.com.au/s/article/Hubbl-Streaming-and-Account-Customer-Terms). Please note that any questions regarding your BINGE subscription should be directed to [BINGE Support](https://help.binge.com.au/s/contactsupport). Any questions regarding your cashback or credit card account should be directed to the [Citi Customer Service Team](https://www1.citibank.com.au/contact-us). We may vary or end this offer at any time.
* **π5% discount on international flights with Trip.com**  
 To be eligible to receive the 5% discount on your international flight from Australia, the flight must be booked via the unique [Trip.com](https://au.trip.com/?locale=en-au) link on either the Mobile App or website from 28 November 2024 to 31 December 2025 for travel by 30 September 2026\. To receive the 5% discount, you must enter the promotional code at checkout and pay with your eligible Citi Credit Card. Eligible cards are Citi Prestige Mastercard, Premier Mastercard, Rewards Mastercard, Simplicity Mastercard, Clear Mastercard and Classic Plus Card. The discount will apply to the price including taxes and fees. This discount applies to single, return and multi-city flights from Australia. Bookings of "flight+hotel" and "ticket+hotel" are excluded from this promotion. Only one promo code can be applied to each reservation. Promo codes cannot be used in conjunction with any other promotions or offers and cannot be exchanged for cash or Trip Coins. Cancellation policy may vary. Please refer to the cancellation policy of the specific ticket type before booking. [Trip.com](https://au.trip.com/?locale=en-au) reserves the right to cancel any bookings of members who engage in fraudulent, disruptive, or abusive behaviour, or who violate these terms. We may vary or cancel the discount offer at any time acting reasonably. We may vary or end this offer at any time. Other forms of payment e.g. PayPal, gift cards or loyalty points will not be eligible for the discounted offer. Listed Citi Credit Cards are eligible provided your account is open and in good standing (for example - your account is not in default, suspended or closed).
1 unchanged line

− Removed

 2. Balance Transfer offer
    Your total balance transfers may not exceed 80% of your credit limit. The 0%
    p.a. interest rate will apply to balances transferred with this offer within
    3 months from card approval for a period of 6 months from the date the
    balance transfer is processed. At the end of the balance transfer
    promotional period, the interest rate on any outstanding transferred balance
    will revert to the variable Annual Percentage Rate for Cash Advances,
    currently 22.24% p.a. This offer excludes balances transferred from Citi
    branded unsecured credit products. Please note, you will be charged interest
    on retail purchases while you have a balance transfer. For important
    information to consider before taking up a balance transfer, please click
    here [https://www.citibank.com.au/aus/credit_cards/balance_transfers.htm].
    This offer commenced 9 September 2024. We may vary or end this offer at any
    time.

 * ø4th Night on Us
   The promo code “CitiPrestige” must be applied at checkout to redeem the
   benefit. 4th Night on Us benefit is capped at 4 redemptions per calendar year
   and is renewed each year unless specified otherwise. The credit amount is
   capped at $1,000 per redemption. 4th Night on Us is a special feature of the
   Citi Prestige Credit Card. Valid for Citi Prestige Primary Cardholders only.
   A minimum of 4 consecutive nights' stay is required in order to receive a
   credit for one night. This benefit cannot be used in conjunction with other
   offers/benefits. The credit value of the one night is calculated as the
   average nightly room rate for the total nights’ stay. Only one credit amount
   will be paid per Citi Prestige Primary Cardholder per room per booking.
   Booking for the accommodation must be of the same room types. Back-to-back
   stays are not allowed. Back-to-back stays are stays at the same city/state
   booked on two reservations (as an example, you book four nights at a hotel on
   one reservation for Monday, Tuesday, Wednesday and Thursday and book another
   four nights on another reservation for Friday, Saturday, Sunday and Monday.
   In this situation, you would only be eligible for one complimentary night for
   the 8-night stay). Luxury Escapes Pty Ltd pays a commission to National
   Australia Bank for certain booking types. Offer valid from 1 June 2024 until
   31 December 2024 (Benefit Period) and is renewed each year unless we notify
   you otherwise. Please refer to the full Terms and Conditions
   [https://www1.citibank.com.au/prestige-benefits/terms] for further
   information.

 * $Luxury Escapes
   10% discount is valid on 'Limited Time LUX Exclusive' hotel offers (excludes
   flights) or any international tour at luxuryescapes.com/au
   [https://luxuryescapes.com/au] or on the Luxury Escapes mobile app. Offer
   valid at Australian website only. Offers are valid exclusively to Citi
   Prestige cardholders and is not transferable. Maximum discount available per
   transaction is $500 for Limited Time Lux Exclusive hotels and $250 for
   international tours. Offers are valid if booked by 1 March 2025. To be
   eligible, customers must use their Citi Prestige Card at checkout along with
   the promo code PRESTIGECITI10 when purchasing Limited Time LUX Exclusive
   hotels, or CITITOUR10 when purchasing an international tour, and the discount
   will be applied automatically. Excludes transactions made through a
   third-party establishment or payment processor. Offer is not valid on
   flights, LUX Partner Properties, LUX Premium Collection, Last Minute Escapes,
   Cruises, Experiences or Gift Cards. Offer is not combinable with any other
   discount or offer.

 * *Mobile Phone Protection Insurance
   Mobile Phone Protection Insurance (Cover) is provided under and by way of a
   group policy (Group Policy) issued by AIG Australia Limited
   (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited
   (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB"). NAB
   is the credit provider and issuer of Citi branded credit cards. NAB has
   acquired the business relating to these products from Citigroup Pty Limited
   (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi").
   Citi has agreed with NAB to provide transitional services in relation to the
   transferred business. This Cover is available to Cardholders ("you/your")
   while you remain an eligible Mastercard and/or Visa cardholder of NAB,
   subject to NAB’s and AIG's right to alter the Cover. The terms, conditions
   and excluded cover are specified in the 'Citi Credit Cards Complimentary
   Mobile Phone Insurance Terms and Conditions
   [https://www.cdn.citibank.com/v1/augcb/cbol/files/documents/2021/mobile-insurance-termsandconditions.pdf]'
   as amended from time to time. When eligible, you have the benefit of cover as
   a third party beneficiary solely by reason of the statutory operation of
   Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the
   Cover meets your needs and is suitable for you and your personal
   circumstances, these terms and conditions must be reviewed by you and, if
   necessary, you should also seek independent financial advice. Neither Citi
   nor NAB is the issuer or insurer of the Cover. Neither Citi nor NAB nor any
   of its related corporations guarantee any of the benefits under the Cover.
   Please note that you must have a contract with a mobile phone provider and a
   monthly automatic billing arrangement.

 * ¥Points earn rate
   All rewards are subject to the Terms and Conditions of the Citi Rewards
   Program [https://www.citibank.com.au/global_docs/pdf/MCG12231_1014.pdf]. The
   Citi Prestige Card earns 3 Points per $1 on eligible International Spend and
   for selected purchases made and booked directly from a range of major
   restaurants and restaurant chains, major hotel chains, major travel agencies,
   major travel aggregators and flights directly booked with major airlines. 2
   Points per $1 for selected purchases made at major petrol outlets, major
   supermarkets and major national retailers. 1 Point per $1 spent everywhere
   else on Eligible Transactions. The Citi Prestige Card earns 1 Point per $1 on
   Citi PayAll payments unless enrolled in Qantas Points which earns 0.5
   Point per $1 on Citi PayAll Payments. Domestic Spend and International Spend
   means any Eligible Transaction made with a merchant who respectively tells us
   they are located within Australia or outside Australia. Citi PayAll Payments
   are for Domestic Spend only, International Spend is excluded. Please click
   here for the full definition of Eligible Transactions. Please note purchases
   not ordered or booked directly from the restaurant (e.g. through a delivery
   company) are not included in the higher earn rate. Please note that whether
   or not a purchase is eligible to earn Points and how many (e.g. whether the
   merchant is a "major restaurant") will be determined based on card scheme
   information ultimately provided either by the merchant (including individual
   outlets) or its financial institution (including information about the type
   of business conducted by the merchant). If, for example, a restaurant is not
   classified as a restaurant by the card scheme, it will not be treated as a
   "major restaurant" for calculating Points. Points do not expire while the
   card remains open and in good standing (for example – your account is not in
   default, suspended or closed).

 * πCiti PayAll
   Citi PayAll payments are subject to eligibility and only available if your
   account is and remains in good standing (for example – your account is not in
   default, suspended or closed). Set up Citi PayAll payment instructions using
   the Citi Mobile® App or in any other way we tell you that you can make a Citi
   PayAll payment. This is an amount you authorise us to pay once or on a
   regular basis from your account to another bank account held with an
   Australian financial institution (other than through BPAY®). This must be not
   less than 7 days from the date the Citi PayAll payment is set up, and if
   there is more than one payment to be made, the number and frequency of the
   payments and period over which they are to be made, you must ensure these
   details are correct. All Citi PayAll payments and Citi PayAll Fees we charge
   to your account will be added to the retail purchase balance and the Retail
   APR will apply to them. Citi PayAll payments are charged at the retail
   purchase rate applicable to your account and are only available on Citi
   PayAll payments outlined in the Credit Card Terms and Conditions and Other
   Important Information
   [https://www.citibank.com.au/global_docs/pdf/MCG15638_1118.pdf]. The Citi
   PayAll fee is currently 0.95% and is part of your Terms and Conditions
   including your Financial Table. This fee is set at the point of scheduling
   your Citi PayAll payment, applies for the duration the Citi PayAll payments
   are scheduled and is charged to your account each time a Citi PayAll payment
   is made. For more information please refer to Citi PayAll fees by visiting
   Citi Credit Card Fees and Charges
   [https://www1.citibank.com.au/credit-cards/fees-and-charges]. Please note,
   there are limits on the Citi PayAll payments you can make in a period.
   Details of these limits can be found at citibank.com.au/payall-limits
   [https://www1.citibank.com.au/payall-limits]. These limits may change from
   time to time. For the full terms and conditions of Citi PayAll, please refer
   to the Credit Card Terms and Conditions and Other Important Information
   [https://www.citibank.com.au/global_docs/pdf/MCG15638_1118.pdf].

 * »Pay with Points
   Pay with Points is available on eligible purchases. An eligible purchase is a
   transaction we will present to you in your Citi Mobile® App or Citi Online
   that can be paid by redeeming your reward Points. The types of transactions
   that may be paid by redeeming your reward Points may change and we will
   present these to you in the Citi Mobile® App or Citi Online.

 * =Shop with Points
   To use your reward Points toward eligible purchases at Kogan.com, you must
   have a Kogan.com account, be the primary cardholder of a card enrolled in the
   Citi Rewards Program ("eligible card"), enrol your eligible reward card with
   Kogan.com and agree to the Shop with Card Reward Points terms and conditions.
   You may only enrol one eligible reward card at any time. Customers who are
   enrolled in the Citi Qantas Rewards Program will not be eligible for Shop
   with Points at Kogan.com. The Shop with Card Reward Points terms and
   conditions are to be read in conjunction with the Terms and Conditions of the
   Citi Rewards Program
   [https://www.citibank.com.au/global_docs/pdf/MCG12231_1014.pdf].

 * §Points transfer
   You must be a member of the Airline, Hotel and Other Loyalty Program in which
   you wish to claim Airline, Hotel and Other Loyalty Points and have advised us
   of your airline and hotel loyalty program membership number prior to any such
   redemption. Membership of an airline and hotel loyalty program will be
   subject to the terms and conditions of that program. Airline, Hotel and Other
   Loyalty Points may take up to 28 business days to appear in your Airline,
   Hotel and Other Loyalty Program membership account.

 * <Interest free period
   The interest free period applies when you pay your full closing balance from
   your last statement of account by the payment due date (excluding any Fixed
   Payment Option balance which isn’t due for payment by that payment due date).
   No interest free period is available on Cash Advances or Balance Transfers.
   Whilst you have a Balance Transfer you will be charged interest on your daily
   unpaid balance.

 * ^Citi Instalment Plans
   Citi Instalment Plan is defined in the Credit Card Terms and Conditions as a
   Fixed Payment Option. Fixed Payment Option offers are subject to eligibility
   and only available if your account is and remains in good standing (for
   example – your account is not in default, suspended or closed). For the full
   terms and conditions that apply to Fixed Payment Options, please refer to
   the Credit Card Terms and Conditions and Other Important Information
   [https://www.citibank.com.au/global_docs/pdf/MCG15638_1118.pdf].

 * ~Complimentary Insurances
   Complimentary insurance covers are subject to eligibility requirements: AWP
   Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global
   Assistance) under a binder from the underwriter, Allianz Australia Insurance
   Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary
   insurance group policy to National Australia Bank Limited (ABN 12 004 044
   937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible
   NAB account holders and cardholders to claim under it as third party
   beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth).
   NAB is the credit provider and issuer of Citi branded credit cards. NAB has
   acquired the business relating to these products from Citigroup Pty Limited
   (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”).
   Citi has agreed with NAB to provide transitional services in relation to the
   transferred business. Any advice on insurance is general advice only and not
   based on any consideration of your objectives, financial situation or needs.
   The terms, conditions, exclusions, limits and applicable sub-limits of the
   group policy are set out in the Citi Credit Cards Complimentary Insurance
   Policy Information Booklet
   [https://www.citibank.com.au/global_images/complimentaryinsurance/pdf/mcg7932_0319_citi_description_of_cover_final.pdf]
   which may be amended from time to time. Neither NAB nor Citi nor any of its
   related corporations guarantee this insurance.

 * ≥Airport lounge access
   One complimentary digital Priority Pass™ Membership, with unlimited lounge
   visits, for the primary cardholder is a Special Feature of the Citi Prestige
   Card. Citi Prestige Credit Cardholders must enrol for the Priority Pass™
   Standard Membership at www.prioritypass.com/prestigeaumc
   [http://www.prioritypass.com/prestigeaumc]. The primary cardholder may bring
   one guest for free per visit. Any additional guests will be charged directly
   by the lounge. You will need to download the Priority Pass™ App via the Apple
   App Store or get it on the Google Play Store to access your Digital
   Membership Card. The membership is subject to the Priority Pass™ Conditions
   of Use. Please note that within Australia, Priority Pass™ is available at
   select airports. For the full list of up-to-date airport lounges and Priority
   Pass™ Conditions of Use please refer to www.prioritypass.com
   [http://www.prioritypass.com/] along with the Citi Prestige Credit Card
   Benefit Terms and Conditions
   [https://www1.citibank.com.au/prestige-benefits/terms] for further
   information.

 * ⋈Concierge Service
   Concierge Services is a complimentary service available to the Primary
   Cardholder only. For more information, including how to contact Concierge
   Services, visit the Citi Prestige Credit Card Benefits
   [https://www1.citibank.com.au/credit-cards/benefits/prestige#Personal-Concierge].
   See the Terms and Conditions of the Citi Rewards Program
   [https://www.citibank.com.au/global_docs/pdf/MCG12231_1014.pdf] for more
   details.

 * ∆My Cashback Offers
   My Cashback offers are subject to eligibility and only available if your
   account is and remains in good standing (for example – your account is not in
   default, suspended or closed). For more information, visit the My Cashback
   page [https://www1.citibank.com.au/mycashback].

 * ∝Uber Premier $100 cashback
   To be eligible to receive the Uber Premier $100 cashback, as the primary
   cardholder, you must make the booking for an Uber Ride via the Uber app and
   spend AUD$100 or more in one transaction using your Citi Prestige Card from
   12.00am AEDT 1 August 2024 to 11.59 pm AEDT on 31 December 2024 (Benefit
   Period). The benefit is capped at one redemption per Benefit Period. Payment
   must be made directly with your Citi Prestige Card via the Uber app. Excludes
   Uber Eats, Uber Pass and transactions made through a third-party
   establishment or payment processor. The Uber Premier $100 cashback will be
   calculated on the first eligible spend during the Benefit Period and credited
   to your account within eight weeks after the qualifying transaction is
   processed provided your account is open and in good standing (for example –
   your account is not in default, suspended or closed). Cashback will not be
   credited to your account if the qualifying spend is refunded or reversed.
   Cashback will reduce the outstanding balance of your account but will not
   count towards your next monthly repayment obligation. Please refer to the
   full Terms and Conditions
   [https://www1.citibank.com.au/prestige-benefits/terms] for further
   information. Only available for travel within Australia.

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250,000 bonus Citi reward Points

when you spend $10,000 on eligible purchases within 3 months from approval.1

Apply now

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250,000 bonus Citi reward Points

when you spend $10,000 on eligible purchases within 3 months from approval.1

− Removed

Apply now
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2021/Citi-Sticky-Nav-Mobile-05112021.jpg]
 * CITI AUSTRALIA
    * About us [https://www1.citibank.com.au/nab?intcid=Footer-CA]
    * Rewards [https://www1.citibank.com.au/rewards?intcid=Footer-CA]
    * Accessibility
      [https://www1.citibank.com.au/contact-us?tab=accessibility-services&intcid=Footer-CA#accessibility-services]
    * Sitemap [https://www1.citibank.com.au/site-map?intcid=Footer-CA]

 * CALCULATORS
    * Balance transfer calculator
      [https://www1.citibank.com.au/credit-cards/calculators?intcid=Footer-CALC]
    * Personal loan calculators
      [https://www1.citibank.com.au/personal-loans/calculators/repayments?intcid=Footer-CALC]
    * Rewards calculator
      [https://www.citibank.com.au/aus/credit_cards/rewards_calc.htm?intcid=Footer-CALC]
    * How much can I borrow
      [https://www1.citibank.com.au/personal-loans/calculators/borrowing-power?intcid=Footer-CALC]

 * HELP & SUPPORT
    * The move to NAB [https://www1.citibank.com.au/nab?intcid=Footer-HS]
    * Terms and conditions and useful forms
      [https://www1.citibank.com.au/help-and-support/useful-forms-and-links]
    * Check application status
      [https://www.citibank.com.au/global_docs/check_app_status.htm]
    * Register for Citi Online
      [https://www.citibank.com.au/AUGCB/JSO/registration/flow.action]
    * Citi Mobile App
      [https://www1.citibank.com.au/citi-mobile-app?intcid=Footer-HS]
    * FAQs [https://www1.citibank.com.au/help-and-support?intcid=Footer-HS]
    * Payments and transfers
      [https://www1.citibank.com.au/deposits/existing-customers/using-your-account?intcid=Footer-HS#payments-transfers]
    * Target Market Determination
      [https://www1.citibank.com.au/help-and-support/target-market-determination?intcid=Footer-HS]

 * INSURANCE PRODUCTS
    * Complimentary insurance
      [https://www1.citibank.com.au/help-and-support/complimentary-insurance-overview?intcid=Footer-IP]
    * Existing customers
      [https://www1.citibank.com.au/insurance?intcid=Footer-IP]

 * CONTACT US
    * Email us
      [https://www.citibank.com.au/global_docs/kana/ContactUsEmail.htm?intcid=Footer-CU]
    * Call 13 24 84 [tel:132484]
    * Report a lost or stolen card
      [https://www1.citibank.com.au/help-and-support/lost-or-stolen-card?intcid=Footer-CU]
    * 
    * 
    * BSB: 242 200 [https://www1.citibank.com.au/contact-us]
    * BILLER CODE: 49502 [https://www1.citibank.com.au/contact-us]

Website Terms
[https://www1.citibank.com.au/digital-services-terms-and-conditions]
Privacy [https://www1.citibank.com.au/help-and-support/useful-forms-and-links]
Security [https://www1.citibank.com.au/help-and-support/scams]
Cookie Policy
[https://www.citibank.com.au/aus/footer/privacy/privacy-internet.htm]
Citi acknowledges the Traditional Owners of the lands as Australia’s First
Peoples and recognise their continuing connection to lands, water and country.
We pay our respects to First Nations peoples and their Elders, past and present.

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
credit products. NAB has acquired the business relating to these products from
Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit
Licence 238098) ("Citi") and has appointed Citi to provide transitional
services.

This means that NAB is your product provider and references to 'we', 'us', or
'our' in relation to Citi branded products and services are generally references
to NAB unless the context requires otherwise.

"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.

The advice given on this website was prepared without taking into account your
objectives, financial situation or needs, so before acting on it, you should
consider the appropriateness of the advice having regard to your personal
situation. You should also obtain and consider the associated product disclosure
statement and terms and conditions that apply to the products and offers on this
website, which are available by going to the offer page or by contacting our
Customer Service Centre on 13 24 84. View Citi's and NAB's Financial Services
Guide [https://www1.citibank.com.au/help-and-support/useful-forms-and-links] and
Credit Guide
[https://www1.citibank.com.au/help-and-support/useful-forms-and-links].
[https://bat.bing.com/action/0?ti=5680232&amp;Ver=2&amp;mid=59f7f8aa-2549-4833-b41a-28ff6b339ce4&amp;sid=2fda14f075b111ef94c8574e8c9f5ca8&amp;vid=2fda0b4075b111ef8123499bac1330ab&amp;vids=1&amp;msclkid=N&amp;pi=918639831&amp;lg=en-US&amp;sw=1512&amp;sh=982&amp;sc=30&amp;tl=Citi%20Prestige%20Credit%20Card%20-%20Citi%20Australia&amp;kw=citi%20prestige%20card,citi%20prestige%20credit%20card,credit%20card,rewards%20credit%20card,%20citi%20points%20offer%20credit%20card,citi%20credit%20card,earn%20citi%20points,bonus%20citi%20points&amp;p=https%3A%2F%2Fwww1.citibank.com.au%2Fcredit-cards%2Fciti-prestige&amp;r=&amp;lt=1244&amp;evt=pageLoad&amp;sv=1&amp;cdb=AQAQ&amp;rn=521230]

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  1. Home
  2. Credit Cards
  3. Citi Prestige Card

[Image: [object Object]]

Citi Prestige Credit Card


250,000 bonus Citi reward Points
when you spend $10,000 on eligible purchases within 3 months from approval.1

Apply now

[Image: Citi Prestige Qantas Credit Card]

Important Information

Citi PayAll no longer available: Citi PayAll will no longer be available from 20 January 2025.

All Citi PayAll scheduled payments with a due date of 20 January 2025 and onwards will not be processed.

For more details, please refer to the FAQs and Variation Notice.

There’s way more to a Citi Prestige Credit Card

[Image: Special offer]

Special offer
Get 250,000 bonus Citi reward Points with this special offer when you make the minimum spend.1

[Image: 4th Night on Us icon]

4th Night on Us
Book four consecutive nights or more at a range of hotels with Luxury Escapes and receive a credit back for one night (up to $1,000 credit per booking, four times per calendar year).ø

[Image: Complimentary airport lounge access icon]

Complimentary airport lounge access
Receive unlimited complimentary access to over 1,500 Priority Pass™️ lounges around the world for you and one guest.≥

[Image: Uber Premier $100 Cashback icon]

Uber Premier $100 cashback
Spend $100 or more in one transaction on Uber Premier (or other available ride options) with your Citi Prestige Credit Card to receive $100 cashback. Cap and T&Cs apply.∝

[Image: Complimentary Mobile Phone Insurance icon]

Complimentary Mobile Phone Insurance
Pay your Monthly Mobile Plan bill with your Citi Prestige Credit Card and you'll be covered for Accidental Damage and Theft.*

[Image: Luxury Escapes icon]

Luxury Escapes
Enjoy 10% off Limited Time LUX Exclusive hotel offers (up to $500) and international tours (up to $250) booked by 1 March 2025.$

[Image: Binge icon]

$10 monthly cashback with BINGE
Get $10 cashback every month until 31 October 2025 when you sign up for a Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription. Stream the TV shows and movies everyone is talking about.¥

[Image: Trip.com icon]

5% discount on international flights with Trip.com
Explore the world with 5% off international flights from Australia with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026.π

[Image: MyCashback icon]

Cashback offers from the brands you love
No opt-in or registration. Simply spend at stores with My Cashback offers and automatically receive cashback.△

[Image: Complimentary Travel Insurance icon]

Complimentary Travel Insurance
Access to Complimentary International and Domestic Travel Insurance with your Citi Prestige Credit Card.~

Earn Citi reward Points when you spend

[Image]

International Spend

on Eligible Transactions¥ made overseas or online with a merchant that is based overseas

Citi reward Points per $1 spent

3 Points

[Image]

Domestic Spend

on Eligible Transactions¥ made directly with major: airlines, hotel chains and restaurants in Australia

Citi reward Points per $1 spent

3 Points

[Image]

Domestic Spend

on Eligible Transactions¥ made directly with major: supermarkets, petrol outlets and national retailers

Citi reward Points per $1 spent

2 Points

[Image]

Domestic Spend

on all other Eligible Transactions¥

Citi reward Points per $1 spent

1 Point

Rates and fees

Balance transfer rate

0% p.a. for 6 months2 with no balance transfer fee. Reverts to cash advance rate. Please note, you will be charged interest on retail purchases while you have a balance transfer.


Annual fee

$700


Additional cardholder fee

$0. You may have up to 4 additional cardholders, who must be 16 years or older.


Retail purchase rate

22.49% p.a. or pay off eligible purchases at a fixed interest rate over a set term with a Citi Instalment Plan.^


Cash advance rate

22.99% p.a.


Interest free period

Up to 44 days interest-free on retail purchases (unless you have a balance transfer).<


Minimum credit limit

$20,000


Maximum credit limit

$100,000


There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be viewed on our credit card fees and charges page.

A wealth of ways to spend your Citi reward Points

![Pay with Points

](https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/shopping-bag.png)

Pay with Points

Redeem your Citi reward Points for eligible purchases and receive a credit back.»

[Image: Shop with Points]

Shop with Points

Use your Citi reward Points to pay for purchases at kogan.com.=

[Image: Transfer your Points]

Transfer your Points

Easily transfer your Citi reward Points to a variety of Airline and Other Loyalty Programs including Flybuys, Singapore Airlines KrisFlyer and Velocity Frequent Flyer.§

Find out more

Keep up to date with the latest offers and benefits available on your Citi Prestige Credit Card.

[Image: Citi Prestige Credit Card offers and benefits]

[Image: Contactless payment with your smartwatch]

More ways to pay

Enjoy the ease of cashless and contactless payments with your Citi Credit Card. Simply tap and pay with your card in hand, on your phone, or on your wearable.

Learn how to set up a mobile wallet >

Learn about Apple Pay >

Learn about Google Pay >

Learn about Samsung Pay >

Apply now in 3 simple steps

[Image: Ensure you’re eligible]

1. Ensure you’re eligible

Have a look at our criteria below – if you tick every box, you’ll be eligible to apply.

[Image: Apply online]

2. Apply online

Submit your Citi Prestige Credit Card application online in just 10 minutes.

[Image: Stay in touch]

3. Stay in touch

We’ll advise when your application has been approved. You should receive your card within 5-7 business days.

What you need to apply

[Image: Receive a regular income]

Receive a regular income

[Image: 18 years or older]

18 years or older

[Image: Permanent Australian resident]

Permanent Australian resident

[Image: Mobile phone and email]

Mobile phone and email

[Image: 2 forms of identification]

2 forms of identification:

  • Australian Driver Licence
  • OR Passport
  • OR Medicare Card

[Image: Proof of Income: Payslips]

Proof of income: payslips

[Image: Multiple cards]

Looking for something different in your credit card?

We have a variety of cards to help with travel expenses, or unlocking cashback offers - see where a Citi Credit Card can take you.

Browse other offers

Things you should know

Fees and charges apply. Credit criteria apply. New Citi Prestige credit card customers only and cannot be used in conjunction with any other offers. A credit check is performed each time you apply for a credit card. Credit reporting bodies make a record of these enquiries and this information may be used and disclosed for the purposes of assessing your credit worthiness, including your credit score and credit rating. For example, making multiple credit applications over a short period of time could have a negative effect on your credit score, as this may reduce your chances of approval.

Refer to the full Terms and Conditions related to this product here. To obtain a copy of the Target Market Determination (TMD) related to this product, click here.

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 credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to provide transitional services.

Our/us/we means NAB unless the context otherwise requires it.

“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.

  1. Bonus Citi reward Points
    To be eligible to receive 250,000 bonus Citi reward Points, you must spend a minimum of $10,000 on eligible purchases using your new card within 3 months from approval. Eligible purchases exclude Cash Advances, Balance Transfers, Special Promotions, interest and fees. Any refunds and Chargebacks on purchases will also be excluded and will not form part of the spend criteria. The bonus Citi reward Points will be credited to your Rewards Balance within 2 months of meeting the spend criteria. Your Citi Prestige Card must remain open, in good standing (for example – your account is not in default, suspended or closed) and enrolled in the Citi Rewards program for the bonus Citi reward Points to be awarded. All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Please note that if you have a balance transfer you will not be entitled to any interest free days on retail purchases. This means that all spend will be charged interest at the applicable annual percentage rate. This offer commenced 9 September 2024. We may vary or end this offer at any time. This offer is not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer.
  2. Balance Transfer offer
    Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate will apply to balances transferred with this offer within 3 months from card approval for a period of 6 months from the date the balance transfer is processed. At the end of the balance transfer promotional period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.99% p.a. This offer excludes balances transferred from Citi branded unsecured credit products. Please note, you will be charged interest on retail purchases while you have a balance transfer. For important information to consider before taking up a balance transfer, please click here. This offer commenced 9 September 2024. We may vary or end this offer at any time.
  • ø4th Night on Us
    The promo code "CitiPrestige" must be applied at checkout to redeem the benefit. 4th Night on Us benefit is capped at 4 redemptions per calendar year and bookings must be made and used in the same calendar year. The credit amount is capped at $1,000 per redemption. 4th Night on Us is a special feature of the Citi Prestige Credit Card. Valid for Citi Prestige Primary Cardholders only. A minimum of 4 consecutive nights' stay is required in order to receive a credit for one night. This benefit cannot be used in conjunction with other offers/benefits. The credit value of the one night is calculated as the average nightly room rate for the total nights' stay. Only one credit amount will be paid per Citi Prestige Primary Cardholder per room per booking. Booking for the accommodation must be of the same room types. Back-to-back stays are not allowed. Back-to-back stays are stays at the same city/state booked on two reservations (as an example, you book four nights at a hotel on one reservation for Monday, Tuesday, Wednesday and Thursday and book another four nights on another reservation for Friday, Saturday, Sunday and Monday. In this situation, you would only be eligible for one complimentary night for the 8-night stay). Between each booking, a minimum of a 7-day window is required. Luxury Escapes Pty Ltd pays a commission to National Australia Bank for certain booking types. Offer is renewed each year unless we notify you otherwise. Please refer to the full Terms and Conditions for further information.
  • $Luxury Escapes
    10% discount is valid on 'Limited Time LUX Exclusive' hotel offers (excludes flights) or any international tour at luxuryescapes.com/au or on the Luxury Escapes mobile app. Offer valid at Australian website only. Offers are valid exclusively to Citi Prestige cardholders and is not transferable. Maximum discount available per transaction is $500 for Limited Time Lux Exclusive hotels and $250 for international tours. Offers are valid if booked by 1 March 2025. To be eligible, customers must use their Citi Prestige Card at checkout along with the promo code PRESTIGECITI10 when purchasing Limited Time LUX Exclusive hotels, or CITITOUR10 when purchasing an international tour, and the discount will be applied automatically. Excludes transactions made through a third-party establishment or payment processor. Offer is not valid on flights, LUX Partner Properties, LUX Premium Collection, Last Minute Escapes, Cruises, Experiences or Gift Cards. Offer is not combinable with any other discount or offer.
  • *Mobile Phone Protection Insurance
    Mobile Phone Protection Insurance (Cover) is provided under and by way of a group policy (Group Policy) issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB"). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi"). Citi has agreed with NAB to provide transitional services in relation to the transferred business. This Cover is available to Cardholders ("you/your") while you remain an eligible Mastercard and/or Visa cardholder of NAB, subject to NAB’s and AIG's right to alter the Cover. The terms, conditions and excluded cover are specified in the 'Citi Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions' as amended from time to time. When eligible, you have the benefit of cover as a third party beneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. Neither Citi nor NAB is the issuer or insurer of the Cover. Neither Citi nor NAB nor any of its related corporations guarantee any of the benefits under the Cover. Please note that you must have a contract with a mobile phone provider and a monthly automatic billing arrangement.
  • ¥Points earn rate
    All rewards are subject to the Terms and Conditions of the Citi Rewards Program. The Citi Prestige Card earns 3 Points per $1 on eligible International Spend and for selected purchases made and booked directly from a range of major restaurants and restaurant chains, major hotel chains, major travel agencies, major travel aggregators and flights directly booked with major airlines. 2 Points per $1 for selected purchases made at major petrol outlets, major supermarkets and major national retailers. 1 Point per $1 spent everywhere else on Eligible Transactions. Domestic Spend and International Spend means any Eligible Transaction made with a merchant who respectively tells us they are located within Australia or outside Australia. Please click here for the full definition of Eligible Transactions. Please note purchases not ordered or booked directly from the restaurant (e.g. through a delivery company) are not included in the higher earn rate. Please note that whether or not a purchase is eligible to earn Points and how many (e.g. whether the merchant is a "major restaurant") will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). If, for example, a restaurant is not classified as a restaurant by the card scheme, it will not be treated as a "major restaurant" for calculating Points. Points do not expire while the card remains open and in good standing (for example – your account is not in default, suspended or closed).
  • »Pay with Points
    Pay with Points is available on eligible purchases. An eligible purchase is a transaction we will present to you in your Citi Mobile® App or Citi Online that can be paid by redeeming your reward Points. The types of transactions that may be paid by redeeming your reward Points may change and we will present these to you in the Citi Mobile® App or Citi Online.
  • =Shop with Points
    To use your reward Points toward eligible purchases at Kogan.com, you must have a Kogan.com account, be the primary cardholder of a card enrolled in the Citi Rewards Program ("eligible card"), enrol your eligible reward card with Kogan.com and agree to the Shop with Card Reward Points terms and conditions. You may only enrol one eligible reward card at any time. Customers who are enrolled in the Citi Qantas Rewards Program will not be eligible for Shop with Points at Kogan.com. The Shop with Card Reward Points terms and conditions are to be read in conjunction with the Terms and Conditions of the Citi Rewards Program.
  • §Points transfer
    You must be a member of the Airline, Hotel and Other Loyalty Program in which you wish to claim Airline, Hotel and Other Loyalty Points and have advised us of your airline and hotel loyalty program membership number prior to any such redemption. Membership of an airline and hotel loyalty program will be subject to the terms and conditions of that program. Airline, Hotel and Other Loyalty Points may take up to 28 business days to appear in your Airline, Hotel and Other Loyalty Program membership account.
  • <Interest free period
    The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any Fixed Payment Option balance which isn’t due for payment by that payment due date). No interest free period is available on Cash Advances or Balance Transfers. Whilst you have a Balance Transfer you will be charged interest on your daily unpaid balance.
  • ^Citi Instalment Plans
    Citi Instalment Plan is defined in the Credit Card Terms and Conditions as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). For the full terms and conditions that apply to Fixed Payment Options, please refer to the Credit Card Terms and Conditions and Other Important Information.
  • ~Complimentary Insurances
    Complimentary insurance covers are subject to eligibility requirements: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.
  • Airport lounge access
    One complimentary digital Priority Pass™ Membership, with unlimited lounge visits, for the primary cardholder is a Special Feature of the Citi Prestige Card. Citi Prestige Credit Cardholders must enrol for the Priority Pass™ Standard Membership at www.prioritypass.com/prestigeaumc. The primary cardholder may bring one guest for free per visit. Any additional guests will be charged directly by the lounge. You will need to download the Priority Pass™ App via the Apple App Store or get it on the Google Play Store to access your Digital Membership Card. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass™ is available at select airports. For the full list of up-to-date airport lounges and Priority Pass™ Conditions of Use please refer to www.prioritypass.com along with the Citi Prestige Credit Card Benefit Terms and Conditions for further information.
  • My Cashback Offers
    My Cashback offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). For more information, visit the My Cashback page.
  • Uber Premier $100 cashback
    To be eligible to receive the Uber Premier $100 cashback, as the primary cardholder, you must make the booking for an Uber Ride via the Uber app and spend AUD$100 or more in one transaction using your Citi Prestige Card. The benefit is capped at one redemption per calendar year. Payment must be made directly with your Citi Prestige Card via the Uber app. Excludes Uber Eats, Uber Pass, Uber Gift Card and transactions made through a third-party establishment or payment processor. The Uber Premier $100 Cashback will be calculated on the first eligible spend during the calendar year and credited to your account within eight weeks after the qualifying transaction is processed provided your account is open and in good standing (for example – your account is not in default, suspended or closed). Cashback will not be credited to your account if the qualifying spend is refunded or reversed. Cashback will reduce the outstanding balance of your account but will not count towards your next monthly repayment obligation depending on when it is credited to your account. Please refer to the full Terms and Conditions for further information. Only available for travel within Australia.
  • ¥$10 monthly cashback with BINGE
    To be eligible for the $10 monthly cashback (Cashback Offer) your monthly payment for your BINGE Standard or BINGE Premium subscription must be made between 20 November 2024 – 31 October 2025 (Promotional Period) using your eligible Citi Prestige Mastercard, Citi Premier Mastercard, Citi Rewards Mastercard, Citi Clear Mastercard credit cards. The Cashback Offer is only available on BINGE Standard or Premium monthly subscriptions. BINGE Standard and Premium subscriptions will automatically renew each month at full RRP. Must sign up via binge.com.au. Excludes sign ups via Hubbl.com.au. This Cashback Offer cannot be used in conjunction with any other offer, promotion, special offer, discount, coupon, or discount code, nor is it transferrable. Subscriptions purchased using any other form of payment (e.g. through a third-party establishment or payment processor such as Telstra, PayPal, gift cards, Apple Pay, Samsung Pay and Google Pay, or loyalty points) will not be eligible for the Cashback Offer. The Cashback Offer will be credited to your account by the next statement after the eligible BINGE subscription has been purchased each month you stay subscribed to BINGE during the Promotional Period, provided your account is in good standing (for example – your account is not in default, suspended or closed). Cashback will not be credited to your account if the qualifying spend is refunded. Customers who upgrade to the BINGE Standard or Premium plan during the Promotional Period, otherwise in accordance with these terms, will be eligible for the Cashback Offer, which will be paid by the statement after first full payment of the higher subscription fee. The Cashback Offer payment will reduce the outstanding balance of your credit card account but will not count towards your next minimum monthly repayment obligation. Please note that if you have a Balance Transfer you will be charged interest on any spend that you make. Credit is not redeemable for cash or other payment form. Use of BINGE requires acceptance of the Hubbl Streaming & Account Customer Terms. Please note that any questions regarding your BINGE subscription should be directed to BINGE Support. Any questions regarding your cashback or credit card account should be directed to the Citi Customer Service Team. We may vary or end this offer at any time.
  • π5% discount on international flights with Trip.com
    To be eligible to receive the 5% discount on your international flight from Australia, the flight must be booked via the unique Trip.com link on either the Mobile App or website from 28 November 2024 to 31 December 2025 for travel by 30 September 2026. To receive the 5% discount, you must enter the promotional code at checkout and pay with your eligible Citi Credit Card. Eligible cards are Citi Prestige Mastercard, Premier Mastercard, Rewards Mastercard, Simplicity Mastercard, Clear Mastercard and Classic Plus Card. The discount will apply to the price including taxes and fees. This discount applies to single, return and multi-city flights from Australia. Bookings of "flight+hotel" and "ticket+hotel" are excluded from this promotion. Only one promo code can be applied to each reservation. Promo codes cannot be used in conjunction with any other promotions or offers and cannot be exchanged for cash or Trip Coins. Cancellation policy may vary. Please refer to the cancellation policy of the specific ticket type before booking. Trip.com reserves the right to cancel any bookings of members who engage in fraudulent, disruptive, or abusive behaviour, or who violate these terms. We may vary or cancel the discount offer at any time acting reasonably. We may vary or end this offer at any time. Other forms of payment e.g. PayPal, gift cards or loyalty points will not be eligible for the discounted offer. Listed Citi Credit Cards are eligible provided your account is open and in good standing (for example - your account is not in default, suspended or closed).

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[Image: Citi Prestige Qantas credit card]

250,000 bonus Citi reward Points

when you spend $10,000 on eligible purchases within 3 months from approval.1

Apply now

[Image]

[Image: Citi Prestige Qantas credit card]

250,000 bonus Citi reward Points

when you spend $10,000 on eligible purchases within 3 months from approval.1

Apply now

[Image]

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Craig

Something out of date? Let me know on Instagram, Facebook, or email and I'll fix it ASAP.

— Craig