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citi

Offers 0% p.a. for 15 Months on purchases and balance transfers.

citi Rewards Credit Card ( Purchases & Balance Transfer offer)

Balance transfer

0% for 15 months

Purchase rate

0% for 15 months

Annual fee

$199 per year

Earn 100,000 bonus Flybuys points plus 0% interest for 6 months on purchases.

Highlights

Earn 1 Citi Reward points per $1 spent on eligible transactions made locally, capped at $10k spend per statement period.

Earn 1 Citi Reward points per $1 spent on eligible transactions made overseas or online with a store that is based overseas.

Main features

Rate type

Rate %

Duration

Fees

Fee type	Fee %	Min fee $
Cash advances	3.5%	$3.5

Fixed Fees

Fixed fees	Fee $	Fee amount
Annual fee	$199	per year
Monthly fee	-	-

More information

Citi Rewards Credit Card features and benefits:

0% p.a. for 15 months on purchases and balance transfers. 2% balance transfer fee applies.

Enjoy 10% off Limited Time LUX Exclusive hotel offers (up to $250 per booking) booked by 1 March 2026.

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.

Use your Citi reward Points to get a credit back for almost anything you buy with your Citi Credit Card.

$10 monthly cashback with BINGE.

Up to 44 days interest-free on retail purchases.

Terms & conditions

New Citi Rewards Credit Card customers only and cannot be used in conjunction with any other offers. The promotional rate of 0% p.a. will apply to the retail purchase balance for a promotional period of 15 months, commencing from the date your account is approved. At the end of the promotional period, the variable annual percentage rate for retail purchases, currently 22.49% p.a. will apply to the retail purchase balance. 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 15 months, commencing from the date the balance transfer is processed. The balance transfer fee is 2% of the balance transferred and will be debited to your account on the day or the day after your balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance, and balance transfer fee, 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.

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