Citi Premier Card Australia review, A$600 cashback and travel perks Aussies should claim
Citi Premier Card makes it easy for Aussies to claim A$600 cashback with Apple Pay or Google Pay, plus Priority Pass lounge visits, travel insurance and rewards that can offset the annual fee

How to snag the A$600 cashback
The Citi Premier Card offers a generous A$600 cashback for new applicants who spend A$2,000 on eligible purchases using Apple Pay, Google Pay or Samsung Pay within the first three months. That welcome deal makes the Citi Premier Card one of the more attractive sign-up offers for Aussies ready to switch and tap-and-go.
Application is straightforward online and linking the card to your digital wallet is quick, so you can meet the spend threshold without fuss. Remember to check eligible categories and plan big purchases early if you want to maximise the A$600 cashback.
Travel perks Aussies actually use
The Citi Premier Card bundles useful travel benefits like two complimentary Priority Pass lounge visits per year and comprehensive travel insurance, which is handy for regular domestic and overseas trips. For frequent flyers, Priority Pass access and the card’s travel protections can make airport wait times way more comfortable.
Points are earned at 1 Citi Reward Point per A$1 spent, which you can convert to flights or travel credit to offset costs. Pairing those points with the A$600 cashback makes the Citi Premier Card a solid pick if you travel a fair bit and want perks that pay off.
Fees, rates and real costs to consider
Be realistic about costs: the standard annual fee is A$300, although it can drop to A$150 if you spend A$48,000 in a year. Interest is high at 21.49% p.a. on purchases and there’s a 3.4% foreign transaction fee, so this card suits those who clear balances monthly and use it strategically while travelling.
The Citi Premier Card’s value comes from rewards and cashback, not from being a low-rate card. If you carry a balance or often use the card overseas without hedging FX costs, those fees can erase the benefit of the A$600 cashback.
How to get the most from your Citi Premier Card
Use Apple Pay or Google Pay for big-ticket items early in the card’s life to secure the A$600 cashback, and concentrate spend on categories that earn points. Paying the monthly balance in full avoids the 21.49% interest and preserves the net value of cashbacks and rewards.
Also set up travel protections and track Priority Pass visits so you don’t miss benefits. For Aussies who hit the annual spend to reduce the fee, the Citi Premier Card can easily out-earn its costs, but it’s best for disciplined spenders who maximise digital wallet offers and travel perks.