Citibank
Credit Cards Review

Compare Citibank Credit Cards Compare Citibank credit cards – read our review and compare the features and benefits available from Citibank. We can help you to make an informed decision and find a card that suits you.

Citibank Credit Cards offer a comprehensive range of features and benefits to accommodate all needs.

Whether you're looking for a credit card with no annual fee; low standard rates; or great introductory bonuses on purchases or balance transfers, Citibank has a credit card to suit you.

Citibank credit cards come with up to 55 interest free days on purchases (where applicable), giving you the chance to pay for your purchases over a longer period of time to suit you. This effectively allows you to qualify for interest free credit. If you fail to make at least the minimum payment within the set period, the typical interest rate will be applied to your balance.

All Citibank Credit Cards feature:
  • Up to 4 additional cardholders
  • Access to Citibank World Privileges
  • Complimentary Fraudshield protection
  • Emergency card replacement
  • Worldwide acceptance at over 22 million locations
  • Worldwide personal customer service 24 hours a day, 7 days a week.

Citibank Clear Platinum

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Advice

Save $50 on your 1st years annual fee reducing the cost from $99 to $49!
Also, get up to 4 additional card holders - annual fee of $19 each.

Introductory Offer
Balance Transfer Rate: 2.9% p.a. for 12 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.74% p.a.
Purchases: 11.99% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $99 - $50 off in 1st year = $49
Standard Features
Credit Limit: $20,000
Interest Free Days: Up to 55 days
On-Line Banking: No
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $40,000.pa
  • You have not applied and been declined for another Citibank product in the last 9 months
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Credit Card Benefits

  • Access to limited edition entertainment experiences through Visa Platinum Privileges including specially selected premium offers from hotels, spa & wellness, retail and travel merchants for your enjoyment.
  • Access to Visa Concierge that gets you anything at anytime
  • Get up to 25% off on retail shopping, travel and dining through Citibank World Privileges
  • Complimentary International Travel Insurance - When you buy travel tickets with your Citibank Clear Platinum Credit Card you and your family are automatically covered for unexpected travel, medical expenses, trip cancellation, personal liability and loss or damage to personal items.

Citibank Clear

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Advice

Get up to 4 additional card holders - annual fee of $19 each.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.74% p.a.
Purchases: 15.99% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $65
Standard Features
Credit Limit: $20,000
Interest Free Days: Up to 55 days
On-Line Banking: No
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $25,000.pa
  • You have not applied and been declined for another Citibank product in the last 9 months
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Citibank Select Card

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Advice

Get 50,000 bonus points when you take out a card!

Introductory Offer
Balance Transfer Rate: 6.9% p.a. for 9 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.24% p.a.
Purchases: 20.74% p.a.
Cash Advance: 21.24% p.a.
Annual Fee: $700
Standard Features
Credit Limit: $120,000
Interest Free Days: Up to 55 days
On-Line Banking: No
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $125,000.pa
  • You have not applied and been declined for another Citibank product in the last 9 months
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Credit Card Benefits

  • With your Citibank Select Credit Card you will earn two points per dollar spent, plus enjoy the benefit of unlimited points that never expire
  • Use your points to travel on your own terms with access to an expanded range of travel reward, airline and hotel partners
  • Priority Pass™ membership gives you and your guest access to over 600 airport VIP lounges worldwide, regardless of your choice of airline or class of ticket or membership in an airline lounge program
  • You'll have access to the finest luxury lifestyle experiences created and customised for Citi Select Cardholders through the Visa Signature Bespoke Event Program

Citibank Emirates

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Advice

Ability to earn and redeem Skywards Miles on Virgin Blue flights, not just Emirates. No Annual Fee in first year, saving $229!!

Introductory Offer
Balance Transfer Rate: 0.9% p.a. for 9 months
Balance Transfer Fee: 0%
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 20.99% p.a.
Cash Advance: 21.24% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $229
Standard Features
Credit Limit: $100,000
Interest Free Days: Up to 55 days
On-Line Banking: No
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $35,000.pa
  • You have not applied and been declined for another Citibank product in the last 9 months
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Credit Card Benefits

  • Complimentary Chauffeur-drive service to and from Australian airports
  • Complimentary lounge access in Australia and Dubai
  • Ability to earn and redeem Skywards Miles on Virgin Blue flights
  • Complimentary international travel and purchase cover insurance
  • International award-winning airline that flies to over 100 destinations on six continents
  • 24/7 Personal Concierge around the world
  • The flight rewards featured below are for some of the most popular destinations that Emirates flies to. Take up the new Emirates Citi Platinum Card now, so you can bring the world closer, sooner.

Citibank BP Mastercard

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Advice

Get 10% cash back on purchases at BP until 31st July 2012, Plus get 0.5% cash-back off everything else you buy anywhere

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 months
Balance Transfer Fee: 0%
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.89% p.a.
Purchases: 20.89% p.a.
Cash Advance: 21.39% p.a.
Annual Fee: $89
Standard Features
Credit Limit: $25,000
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Cashback
Standard Cashback Rate: 0.5%
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $25,000.pa
  • You have not applied and been declined for another Citibank product in the last 9 months
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Credit Card Rewards

  • 10% cash back on purchases at BP until 31st July 2012
  • 0.5% back everywhere else you spent (excluding non-BP petrol stations)
  • Up to 55 days interest-free on retail purchases
  • MasterCard Worldwide acceptance
  • Access to Citibank World Privileges with up to 25% off shopping, dining and travel worldwide

Citibank Personal Credit

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Advice

There is a one off $69 establishment fee. There are NO transaction, EFTPOS or cash advance fees with this card.

Introductory Offer
Balance Transfer Rate: 2.9% p.a. for 12 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 15.59% p.a.
Purchases: 15.59% p.a.
Cash Advance: 15.59% p.a.
Annual Fee: $69 one off fee, then $99p.a
Standard Features
Credit Limit: $25,000
Interest Free Days: N/A
On-Line Banking: No
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $30,000.pa

Citibank Business Gold Credit Card

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Advice

Get 40,000 bonus Citibank reward points with first spend!! Exchange for an 4 one way domestic flights (40,000 points) ipod Nano 16GB (33,600 points) choose from a list of 280 redeemable items!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 4 months
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. for 4 months
Annual Rates
Balance Transfers: 20.74% p.a.
Purchases: 20.74% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $149
Standard Features
Credit Limit: $60,000
Interest Free Days: Up to 55 days
On-Line Banking: No
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $30,000.pa
  • If you are an existing Citibank credit card or loan customer, you must have held your current Citibank account for at least 9 months before you can apply for another credit card or line of credit.

Credit Card Benefits

  • Get 40,000 bonus Citibank reward points with first spend!! Exchange for an 4 one way domestic flights (40,000 points) ipod Nano 16GB (33,600 points) choose from a list of 280 redeemable items!
  • Also, earn 1.25 reward points on every dollar you spend - realise personal benefits simply from processing business spend through this card.
  • Up to $60,000 credit limit and up to 55 days interest free on retail purchases
  • Complimentary Business Concierge service
  • Complimentary International travel insurance
  • Worldwide acceptance with VISA
  • Optional Credit Card Insurance5 - protection if you can't make your repayments.

Credit Card Rewards

  • Earn 1.25 reward points on every dollar you spend - realise personal benefits simply from processing business spend through this card.

Citibank Ready Credit

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Advice

There is a $69 card activation fee charged on first spend. There are NO ANNUAL FEE or transaction, EFTPOS or cash advance fees with this card.

Introductory Offer
Balance Transfer Rate: 2.9% p.a. for 15 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 18.99% p.a.
Purchases: 18.99% p.a.
Cash Advance: 18.99% p.a.
Annual Fee: $69 one off fee, then $0p.a
Standard Features
Credit Limit: $25,000
Interest Free Days: Up to 0 days
On-Line Banking: No
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $30,000.pa
  • You are NOT an existing Citibank customer & have NOT made an application to Citibank within the last 9 months

Credit Card Benefits

  • The Citibank Ready Credit works like an "ondemand loan". You have a credit line of $5000 - $25,000 which you can spend and repay as you wish.
  • There is a minimum payment requirement of $30 per month or 1% (which ever is the greater).
  • This means you can borrow up to $25k and only pay $250 per month in repayments if you wish.
  • Alternatively, you could pay it all back the following month, the choice is yours!
  • 2.9% p.a. introductory interest rate is available on purchases, cash advances, and balance transfers. After the six-month introductory period the interest rate will revert to an interest rate of 17.99% p.a. This interest rate is variable and subject to change and Citibank credit criteria.
  • THERE IS NO ANNUAL FEE WITH THIS CARD!

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