Citi Premier - Bonus Points offer

Snapshot 97 · Offer 143 · 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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Read full saved wording and terms

Changes to the captured page text and terms, compared with snapshot 88 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 Premier 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 Premier 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

**150,000 bonus Citi reward Points**  
when you spend $7,000 on eligible purchases in the first 3 months from approval and keep your card open for over 12 months.1
1 unchanged line

− Removed

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

+ Added

---
1 unchanged line

− Removed

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

+ Added

**That's $600 when you Pay with Points.»**
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

[Apply now](https://www.citibank.com.au/acquisition/AUGCB/index.html#accope?pcode=MC331&scode=QWNNZY62 "Apply now")
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

#### Important Information
1 unchanged line

− Removed

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

+ Added

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

− Removed

    * ACCOUNT INFORMATION [/undefined]

+ Added

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

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

      SET UP AND MANAGE YOUR ACCOUNT
      [https://www1.Citibank.com.au/personal-loans/set-up-manage-your-account?intcid-Meganav-PL]

+ Added

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

− Removed

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

+ Added

**Special offer**  
Get 150,000 bonus Citi reward Points when you spend $7,000 on eligible purchases in the first 3 months from approval and keep your card open for over 12 months.1 That's $600 when you Pay with Points.»
1 unchanged line

− Removed

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

+ Added

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

[**Complimentary airport lounge access**](https://www1.citibank.com.au/credit-cards/prioritypass)  
Receive complimentary membership and two airport lounge visits every year when you enrol in Priority Pass™️.∞
1 unchanged line

− Removed

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

+ Added

[](https://www1.citibank.com.au/credit-cards/benefits/premier#Luxury-Escapes)
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

[**Luxury Escapes**](https://www1.citibank.com.au/credit-cards/benefits/premier#Luxury-Escapes)  
Enjoy 10% off Limited Time LUX Exclusive hotel offers (up to $250 per booking) booked by 1 March 2025.$
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]Set up and manage your account
      [https://www1.Citibank.com.au/personal-loans/set-up-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

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

− Removed

      UPDATE CONTACT DETAILS
      [https://www1.citibank.com.au/help-and-support/update-contact-details?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 Premier Credit Card.\~
1 unchanged line

− Removed

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

+ Added

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

− Removed

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

+ 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 Premier Credit Card and you'll be covered for Accidental Damage and Theft.\*
1 unchanged line

− Removed

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

+ Added

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

− Removed

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

+ Added

[**5% discount on international flights with Trip.com**](https://www1.citibank.com.au/credit-cards/benefits/premier#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

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

+ Added

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

− Removed

    * SUPPORT [/undefined]

+ Added

[**$10 monthly cashback with BINGE**](https://www1.citibank.com.au/credit-cards/benefits/premier#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

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

+ Added

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

− Removed

      FINANCIAL HARDSHIP
      [https://www1.citibank.com.au/help-and-support/financial-hardship?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

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

+ Added

## 3 simple steps to unlock 150,000 bonus Citi reward Points1
1 unchanged line

− Removed

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

+ Added

### **1\. Effortless application**
1 unchanged line

− Removed

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

+ Added

Apply for the Citi Premier Credit Card with a swift 10 minute process.
1 unchanged line

− Removed

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

+ Added

### **2\. Shop and earn**
1 unchanged line

− Removed

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

+ Added

Spend $7,000 on eligible purchases within 3 months from approval to earn an impressive 120,000 bonus Citi reward Points.
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

### **3\. Enjoy long-term rewards**
1 unchanged line

− Removed

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

+ Added

Keep your card open for over 12 months and we'll add an additional 30,000 bonus Citi reward Points to your total.
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

## 
1 unchanged line

− Removed

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

+ Added

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

− Removed

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

+ Added

#### Online Spend
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

on [Eligible Transactions](#/augcb-cbol/block/6724)& made online
1 unchanged line

− Removed

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

+ Added

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

− Removed

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

+ Added

**2 Points**
1 unchanged line

− Removed

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

+ Added

#### International Spend
1 unchanged line

− Removed

      ACCOUNT INFORMATION [/undefined]

+ Added

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

− Removed

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

+ Added

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

− Removed

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

+ Added

**2 Points**
1 unchanged line

− Removed

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

+ Added

#### Domestic Spend
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

on all other [Eligible Transactions](#/augcb-cbol/block/6724)&
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

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

− Removed

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

+ Added

**1 Point**
1 unchanged line

− Removed

    * ACCOUNT INFORMATION [/undefined]

+ Added

Citi reward Points are capped at 200,000 per 12 month period when you use your Citi Premier Credit Card on [Eligible Transactions](#/augcb-cbol/block/6724) on Online Spend, International Spend and Domestic Spend.&
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

## Rates and fees
1 unchanged line

− Removed

      SET UP AND MANAGE YOUR ACCOUNT
      [https://www1.Citibank.com.au/personal-loans/set-up-manage-your-account?intcid-Meganav-PL]

+ Added

**Balance transfer rate**
1 unchanged line

− Removed

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

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

+ Added

---
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

**Annual fee**
1 unchanged line

− Removed

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

+ Added

$300
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

---
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]Set up and manage your account
      [https://www1.Citibank.com.au/personal-loans/set-up-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

**Additional cardholder fee**
1 unchanged line

− Removed

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

+ Added

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

− Removed

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

+ Added

---
1 unchanged line

− Removed

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

+ Added

**Retail purchase rate**
1 unchanged line

− Removed

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

+ 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

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

+ Added

---
1 unchanged line

− Removed

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

+ Added

**Cash advance rate**
1 unchanged line

− Removed

    * SUPPORT [/undefined]

+ Added

22.99% p.a.
1 unchanged line

− Removed

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

+ Added

---
1 unchanged line

− Removed

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

+ Added

**Interest free period**
1 unchanged line

− Removed

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

+ Added

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

**Minimum credit limit**
1 unchanged line

− Removed

      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 Premier Card

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

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

150,000 BONUS CITI REWARD POINTS
WHEN YOU SPEND $7,000 ON ELIGIBLE PURCHASES IN THE FIRST 3 MONTHS FROM APPROVAL
AND KEEP YOUR CARD OPEN FOR OVER 12 MONTHS.1

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

THAT'S $600 WHEN YOU PAY WITH POINTS.»

APPLY NOW
[https://www.citibank.com.au/acquisition/AUGCB/index.html#accope?pcode=MC331&scode=QWNNZY62]

CITI PREMIER CREDIT CARD
[HTTPS://WWW.CDN.CITIBANK.COM/V1/AUGCB/CBOL/FILES/IMAGES/2024/CARD-ART-PREMIER-366X231.PNG]

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 [https://www.citibank.com.au/payall/]
and Variation Notice [https://www.citibank.com.au/credit-cards/terms].

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

Special offer
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/075-pay-with-points-b1-circle.png]
Special offer
Get 150,000 bonus Citi reward Points when you spend $7,000 on eligible purchases
in the first 3 months from approval and keep your card open for over 12
months.1 That's $600 when you Pay with Points.»
Complimentary Lounge Passes icon
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/080-globe-b1-circle.png]
[https://www1.citibank.com.au/credit-cards/prioritypass]
Complimentary airport lounge access
[https://www1.citibank.com.au/credit-cards/prioritypass]
Receive complimentary membership and two airport lounge visits every year when
you enrol in Priority Pass™️.∞
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/premier#Luxury-Escapes]
Luxury Escapes
[https://www1.citibank.com.au/credit-cards/benefits/premier#Luxury-Escapes]
Enjoy 10% off Limited Time LUX Exclusive hotel offers (up to $250 per booking)
booked by 1 March 2025.$
Complimentary Travel Insurance icon
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/145-insurance-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 Premier Credit Card.~
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 Premier Credit Card and you'll
be covered for Accidental Damage and Theft.*
Trip.com icon
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/140-plane-b1-circle.png]
[https://www1.citibank.com.au/credit-cards/benefits/premier#TripCom]
5% discount on international flights with Trip.com
[https://www1.citibank.com.au/credit-cards/benefits/premier#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
Binge icon
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/052-calendar-date-b1-circle.png]
[https://www1.citibank.com.au/credit-cards/benefits/premier#Binge]
$10 monthly cashback with BINGE
[https://www1.citibank.com.au/credit-cards/benefits/premier#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.¥
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.△

3 SIMPLE STEPS TO UNLOCK 150,000 BONUS CITI REWARD POINTS1

Effortless application
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/relaxing.png]

1. EFFORTLESS APPLICATION

Apply for the Citi Premier Credit Card with a swift 10 minute process.

Shop and earn
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/shopping_0.png]

2. SHOP AND EARN

Spend $7,000 on eligible purchases within 3 months from approval to earn an
impressive 120,000 bonus Citi reward Points.

Enjoy long-term rewards
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/hi5.png]

3. ENJOY LONG-TERM REWARDS

Keep your card open for over 12 months and we'll add an additional 30,000 bonus
Citi reward Points to your total.

EARN CITI REWARD POINTS WHEN YOU SPEND

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

ONLINE SPEND

on Eligible Transactions& made online

Citi reward Points
per $1 spent

2 Points
[https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2020/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

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&

Citi reward Points
per $1 spent

1 Point

Citi reward Points are capped at 200,000 per 12 month period when you use your
Citi Premier Credit Card on Eligible Transactions on Online Spend, International
Spend and Domestic Spend.&

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
$300

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

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
[https://www1.citibank.com.au/credit-cards/instalment-plans].^

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

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
2 unchanged lines
$10,000

− 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
[https://www.kogan.com].=

+ Added

Use your Citi reward Points to pay for purchases at [kogan.com](https://www.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 Premier Credit Card](https://www1.citibank.com.au/credit-cards/benefits/premier).
1 unchanged line

− Removed

Keep up to date with the latest offers and benefits available on your Citi
Premier Credit Card
[https://www1.citibank.com.au/credit-cards/benefits/premier].
Citi Premier 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 Premier 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 Premier 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 Premier 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
    120,000 bonus Citi reward Points: You will receive 120,000 bonus Citi reward
    Points when you spend a minimum of $7,000 on eligible purchases using your
    new card within 3 months from approval. Eligible purchases exclude Citi
    PayAll payments, 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 120,000 bonus
    Citi reward Points will be credited to your Rewards Balance within 2 months
    of meeting the spend criteria. Additional 30,000 bonus Citi reward Points:
    An additional 30,000 bonus Citi reward Points will be credited to your
    Rewards Balance within 3 months of your Account being open for 12 months,
    provided it has been activated by you. 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]. Your Citi
    Premier 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. Please note, you
    will be charged interest on retail purchases while you have a balance
    transfer. This offer commenced 20 November 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**  
**120,000 bonus Citi reward Points:** You will receive 120,000 bonus Citi reward Points when you spend a minimum of $7,000 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 120,000 bonus Citi reward Points will be credited to your Rewards Balance within 2 months of meeting the spend criteria. **Additional 30,000 bonus Citi reward Points:** An additional 30,000 bonus Citi reward Points will be credited to your Rewards Balance within 3 months of your Account being open for 12 months, provided it has been activated by you. 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). Your Citi Premier 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. Please note, you will be charged interest on retail purchases while you have a balance transfer. This offer commenced 20 November 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, commencing from the date the balance transfer is processed. At the end of the balance transfer 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 20 November 2024\. We may vary or end this offer at any time.
* &**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). Citi Premier Credit Card earns 2 Points per $1 for Eligible Transactions made online, 1 Point per $1 spent everywhere else on eligible Domestic Spend and 2 Points per $1 spent on eligible International Spend. The Points earn is capped at 200,000 points over a 12 month period. The annual cap will reset on your next statement cycle date following the anniversary of your enrolment to your Rewards program. The cap includes points earned on Domestic and International spend. 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. Points do not expire while the card remains open and in good standing (for example – your account is not in default, suspended or closed). Transactions made indirectly with the online merchants (e.g. through a third party provider such as BPAY and PayPal), mobile wallet or recurring payments are not eligible for the higher earn rate. Please note, a transaction qualifies as an Eligible Transaction made online if it is made via the internet or a mobile application, which is reflected as an online transaction by system indicators and processed by the respective merchants/ acquirers as an online transaction through Visa/Mastercard networks. If a transaction with an online merchant is not classified as an online transaction by the card scheme, it will not be treated as an online transaction for calculating Points. The annual cap will reset on your next statement cycle date following the anniversary of your enrolment to your Rewards program. Please [click here](#/augcb/block/6724) for the full definition of Eligible Transactions. The cap includes Points earned on Domestic and International spend.
* ∞**Airport lounge access**  
 One complimentary digital Priority Pass™ Standard Membership, with two complimentary lounge visits, for the primary cardholder is a Special Feature of the Citi Premier Card. Citi Premier Cardholders must enrol for the Priority Pass™ Standard Membership at [www.prioritypass.com/premieraumc](https://www.prioritypass.com/premieraumc) and follow the prompts. 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 first two visits within each 12-month membership period from registration (membership year) are complimentary to the primary cardholder only, after which any additional visits by you and visits by your guests will be charged directly to you by Priority Pass™ at their ordinary standard rates. Unused visits cannot be carried forward to the following membership year. The total number of complimentary visits will be reset to two at the beginning of each membership year while you remain a Citi Premier Cardholder. 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](https://www.prioritypass.com/).
* $**Luxury Escapes**  
 10% discount is valid on 'Limited Time LUX Exclusive' hotel offers (excludes flights) at [luxuryescapes.com/au](https://luxuryescapes.com/au) or on the Luxury Escapes mobile app. Offer valid at Australian website only. Offer is valid exclusively to Citi branded credit cardholders and is not transferable. Maximum discount available per transaction is $250\. Offer is valid if booked by 1 March 2025\. To be eligible, customers must use their Citi branded credit card at checkout along with the promo code CITI10, 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, Tours, Cruises, Experiences or Gift Cards. Offer is not combinable with any other discount or offer.
* »**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. The estimated Pay with Points value in the above example is based on current redemption rates as at 28 November 2024 and is subject to change.
* \=**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 and Other Loyalty Program in which you wish to claim Airline and Other Loyalty Points and have advised us of your Airline and Other Loyalty program membership number prior to any such redemption. Membership of an Airline and Other Loyalty Program will be subject to the terms and conditions of that program. Airline and Other Loyalty Points may take up to 28 business days to appear in your Airline 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 Plan**  
 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.
* \* **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.
* ∆**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).
* **¥$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).
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 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, commencing from the
    date the balance transfer is processed. At the end of the balance transfer
    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_cards/balance_transfers.htm]. This
    offer commenced 20 November 2024. We may vary or end this offer at any time.

 * &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]. Citi
   Premier Credit Card earns 2 Points per $1 for Eligible Transactions made
   online, 1 Point per $1 spent everywhere else on eligible Domestic Spend and 2
   Points per $1 spent on eligible International Spend. The Points earn is
   capped at 200,000 points over a 12 month period. The annual cap will reset on
   your next statement cycle date following the anniversary of your enrolment to
   your Rewards program. The cap includes points earned on Domestic and
   International spend. The Citi Premier Card earns 1 Point per $1 on Citi
   PayAll payments. Citi PayAll Payments are for Domestic Spend only,
   International Spend is excluded. 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. Points do not expire while
   the card remains open and in good standing (for example – your account is not
   in default, suspended or closed). Transactions made indirectly with the
   online merchants (e.g. through a third party provider such as BPAY and
   PayPal), mobile wallet or recurring payments are not eligible for the higher
   earn rate. Please note, a transaction qualifies as an Eligible Transaction
   made online if it is made via the internet or a mobile application, which is
   reflected as an online transaction by system indicators and processed by the
   respective merchants/ acquirers as an online transaction through
   Visa/Mastercard networks. If a transaction with an online merchant is not
   classified as an online transaction by the card scheme, it will not be
   treated as an online transaction for calculating Points. The annual cap will
   reset on your next statement cycle date following the anniversary of your
   enrolment to your Rewards program. Please click here for the full definition
   of Eligible Transactions. The cap includes Points earned on Domestic and
   International spend.

 * ∞Airport lounge access
   One complimentary digital Priority Pass™ Standard Membership, with two
   complimentary lounge visits, for the primary cardholder is a Special Feature
   of the Citi Premier Card. Citi Premier Cardholders must enrol for the
   Priority Pass™ Standard Membership at www.prioritypass.com/premieraumc
   [https://www.prioritypass.com/premieraumc] and follow the prompts. 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 first two
   visits within each 12-month membership period from registration (membership
   year) are complimentary to the primary cardholder only, after which any
   additional visits by you and visits by your guests will be charged directly
   to you by Priority Pass™ at their ordinary standard rates. Unused visits
   cannot be carried forward to the following membership year. The total number
   of complimentary visits will be reset to two at the beginning of each
   membership year while you remain a Citi Premier Cardholder. 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 [https://www.prioritypass.com/].

 * $Luxury Escapes
   10% discount is valid on 'Limited Time LUX Exclusive' hotel offers (excludes
   flights) at luxuryescapes.com/au [https://luxuryescapes.com/au] or on the
   Luxury Escapes mobile app. Offer valid at Australian website only. Offer is
   valid exclusively to Citi branded credit cardholders and is not transferable.
   Maximum discount available per transaction is $250. Offer is valid if booked
   by 1 March 2025. To be eligible, customers must use their Citi branded credit
   card at checkout along with the promo code CITI10, 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, Tours,
   Cruises, Experiences or Gift Cards. Offer is not combinable with any other
   discount or offer.

 * »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. The estimated
   Pay with Points value in the above example is based on current redemption
   rates as at 28 November 2024 and is subject to change.

 * =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 and Other Loyalty Program in which you
   wish to claim Airline and Other Loyalty Points and have advised us of your
   Airline and Other Loyalty program membership number prior to any such
   redemption. Membership of an Airline and Other Loyalty Program will be
   subject to the terms and conditions of that program. Airline and Other
   Loyalty Points may take up to 28 business days to appear in your Airline 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 Plan
   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.

 * *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.

 * ∆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].

 * ¥$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).

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Apply now
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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].
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  1. Home
  2. Credit Cards
  3. Citi Premier Card

[Image: [object Object]]

Citi Premier Credit Card


150,000 bonus Citi reward Points
when you spend $7,000 on eligible purchases in the first 3 months from approval and keep your card open for over 12 months.1


That's $600 when you Pay with Points.»

Apply now

[Image: Citi Premier 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 Premier Credit Card

[Image: Special offer]

Special offer
Get 150,000 bonus Citi reward Points when you spend $7,000 on eligible purchases in the first 3 months from approval and keep your card open for over 12 months.1 That's $600 when you Pay with Points.»

[Image: Complimentary Lounge Passes icon]

Complimentary airport lounge access
Receive complimentary membership and two airport lounge visits every year when you enrol in Priority Pass™️.∞

[Image: Luxury Escapes icon]

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

[Image: Complimentary Travel Insurance icon]

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

[Image: Complimentary Mobile Phone Insurance icon]

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

[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: 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: 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.△

3 simple steps to unlock 150,000 bonus Citi reward Points1

[Image: Effortless application]

1. Effortless application

Apply for the Citi Premier Credit Card with a swift 10 minute process.

[Image: Shop and earn]

2. Shop and earn

Spend $7,000 on eligible purchases within 3 months from approval to earn an impressive 120,000 bonus Citi reward Points.

[Image: Enjoy long-term rewards]

3. Enjoy long-term rewards

Keep your card open for over 12 months and we'll add an additional 30,000 bonus Citi reward Points to your total.

Earn Citi reward Points when you spend

[Image]

Online Spend

on Eligible Transactions& made online

Citi reward Points per $1 spent

2 Points

[Image]

International Spend

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

Citi reward Points per $1 spent

2 Points

[Image]

Domestic Spend

on all other Eligible Transactions&

Citi reward Points per $1 spent

1 Point

Citi reward Points are capped at 200,000 per 12 month period when you use your Citi Premier Credit Card on Eligible Transactions on Online Spend, International Spend and Domestic Spend.&

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

$300


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

$10,000


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 Premier Credit Card.

[Image: Citi Premier 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 Premier 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 Premier 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
    120,000 bonus Citi reward Points: You will receive 120,000 bonus Citi reward Points when you spend a minimum of $7,000 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 120,000 bonus Citi reward Points will be credited to your Rewards Balance within 2 months of meeting the spend criteria. Additional 30,000 bonus Citi reward Points: An additional 30,000 bonus Citi reward Points will be credited to your Rewards Balance within 3 months of your Account being open for 12 months, provided it has been activated by you. All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Your Citi Premier 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. Please note, you will be charged interest on retail purchases while you have a balance transfer. This offer commenced 20 November 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, commencing from the date the balance transfer is processed. At the end of the balance transfer 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 20 November 2024. We may vary or end this offer at any time.
  • &Points earn rate
    All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Citi Premier Credit Card earns 2 Points per $1 for Eligible Transactions made online, 1 Point per $1 spent everywhere else on eligible Domestic Spend and 2 Points per $1 spent on eligible International Spend. The Points earn is capped at 200,000 points over a 12 month period. The annual cap will reset on your next statement cycle date following the anniversary of your enrolment to your Rewards program. The cap includes points earned on Domestic and International spend. 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. Points do not expire while the card remains open and in good standing (for example – your account is not in default, suspended or closed). Transactions made indirectly with the online merchants (e.g. through a third party provider such as BPAY and PayPal), mobile wallet or recurring payments are not eligible for the higher earn rate. Please note, a transaction qualifies as an Eligible Transaction made online if it is made via the internet or a mobile application, which is reflected as an online transaction by system indicators and processed by the respective merchants/ acquirers as an online transaction through Visa/Mastercard networks. If a transaction with an online merchant is not classified as an online transaction by the card scheme, it will not be treated as an online transaction for calculating Points. The annual cap will reset on your next statement cycle date following the anniversary of your enrolment to your Rewards program. Please click here for the full definition of Eligible Transactions. The cap includes Points earned on Domestic and International spend.
  • Airport lounge access
    One complimentary digital Priority Pass™ Standard Membership, with two complimentary lounge visits, for the primary cardholder is a Special Feature of the Citi Premier Card. Citi Premier Cardholders must enrol for the Priority Pass™ Standard Membership at www.prioritypass.com/premieraumc and follow the prompts. 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 first two visits within each 12-month membership period from registration (membership year) are complimentary to the primary cardholder only, after which any additional visits by you and visits by your guests will be charged directly to you by Priority Pass™ at their ordinary standard rates. Unused visits cannot be carried forward to the following membership year. The total number of complimentary visits will be reset to two at the beginning of each membership year while you remain a Citi Premier Cardholder. 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.
  • $Luxury Escapes
    10% discount is valid on 'Limited Time LUX Exclusive' hotel offers (excludes flights) at luxuryescapes.com/au or on the Luxury Escapes mobile app. Offer valid at Australian website only. Offer is valid exclusively to Citi branded credit cardholders and is not transferable. Maximum discount available per transaction is $250. Offer is valid if booked by 1 March 2025. To be eligible, customers must use their Citi branded credit card at checkout along with the promo code CITI10, 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, Tours, Cruises, Experiences or Gift Cards. Offer is not combinable with any other discount or offer.
  • »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. The estimated Pay with Points value in the above example is based on current redemption rates as at 28 November 2024 and is subject to change.
  • =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 and Other Loyalty Program in which you wish to claim Airline and Other Loyalty Points and have advised us of your Airline and Other Loyalty program membership number prior to any such redemption. Membership of an Airline and Other Loyalty Program will be subject to the terms and conditions of that program. Airline and Other Loyalty Points may take up to 28 business days to appear in your Airline 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 Plan
    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.
  • * 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.
  • 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.
  • ¥$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).

Show more

[Image: Citi Premier credit card]

150,000 bonus Citi reward Points

when you spend $7,000 on eligible purchases in the first 3 months from approval and keep your card open for over 12 months.1

Apply now

[Image]

[Image: Citi Premier credit card]

150,000 bonus Citi reward Points

when you spend $7,000 on eligible purchases in the first 3 months from approval and keep your card open for over 12 months.1

Apply now

[Image]

[Image]

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Craig

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