Citi Rewards Card Australia 0% for 15 Months, Rack Up 1 Point per $1 on Everyday Spend
Turn the Citi Rewards Card into your savings tool with 0% p.a. for 15 months, 1 point per $1 on everyday Aussie spend, flexible balance transfers and travel and purchase protection
Overview of the Citi Rewards Card in Australia
The Citi Rewards Card is a solid option for Australians who want to earn 1 point per $1 on everyday spend while taking advantage of a 0% p.a. for 15 months introductory period on purchases and balance transfers. With up to 55 interest-free days, travel and purchase protections, and compatibility with Apple Pay and Google Pay, it blends rewards with practical card benefits suited to local lifestyles.
Designed for regular spenders who pay off balances within the intro period, this card makes your everyday groceries, fuel and online purchases work harder. The Citi Rewards program also lets you transfer points to Velocity and KrisFlyer, giving genuine value for those who travel or shop frequently.
Rates, fees and what to watch for
Intro offers headline the card: 0% p.a. for 15 months on purchases and balance transfers. After that, purchase interest reverts to 21.49% p.a. and balance transfers to 22.24% p.a. There’s an annual fee of $199 and a foreign currency conversion fee of 3.4%, so keep overseas spending and lingering balances in check.
Other practical details include a minimum credit limit of $2,000, a max limit up to $100,000, cash advance rate of 22.24% p.a., and standard fees such as late payment charges. The key to keeping this card cost-effective is clearing balances before the intro period ends.
How to maximise points and practical tips
Use the Citi Rewards Card for recurring bills, groceries and fuel to steadily accumulate 1 point per $1. Consolidating subscriptions and regular household expenses on the card helps points add up quickly without altering day-to-day routines. There’s no international spending cap, so use it for overseas online purchases when sensible.
Look out for Citi promotions and transfer bonuses to boost value when converting points to flights or gift cards. Pay on time and aim to clear the principal within the 15-month 0% window — otherwise high post-intro rates will erode rewards value.
Eligibility, application and who should pick this card
Applicants typically need to be Australian citizens or permanent residents with a minimum income around $35,000 and a solid credit history. The online application is straightforward and often provides a quick decision, so it’s convenient if you’re ready with ID, employment details and income info.
The Citi Rewards Card is a great fit for disciplined spenders who want travel flexibility and purchase protections while benefiting from a 0% for 15 months feature. If you expect to carry a balance past the intro period, consider alternatives with lower ongoing rates — otherwise this card can be a smart tool to save on interest and rack up useful rewards.