Maximise Citi Rewards Card 0% p.a. for 15 Months and 1 Point per $1 in Australia
Make every Aussie dollar count with the Citi Rewards Card, 0% p.a. for 15 months, 1 point per $1 on everyday spend plus smart balance transfer and travel perks
Why Aussies Choose the Citi Rewards Card
The Citi Rewards Card is a top pick for Australians wanting to stretch every dollar with solid rewards and a competitive introductory offer. With 0% p.a. on purchases and balance transfers for 15 months and 1 point per $1 on eligible spend, this card turns everyday buying into real value.
Across Australia, from Melbourne to Perth, the Citi Rewards Card gives flexibility for managing debt and boosting points balance, combining balance transfer options with travel perks and purchase protections familiar to savvy Aussie consumers.
Key Features and Fees to Know
Introductory perks include 0% p.a. for 15 months on new purchases and balance transfers and up to 55 interest‑free days on purchases, helping you plan big spends or clear debt without interest. You’ll earn 1 point per $1 on eligible purchases, with points redeemable for flights, gift cards or transfers to partners like Velocity and KrisFlyer.
Post-intro rates revert to 21.49% p.a. for purchases and 22.24% p.a. for remaining balance transfers; annual fee is $199 and there’s a 3.4% foreign currency conversion fee. Minimum credit limit sits at $2,000 and the card supports high limits up to $100,000, so it suits both everyday shoppers and those consolidating larger debts.
How to Maximise Citi Rewards Points
To get the most from the Citi Rewards Card in Australia, put regular bills and supermarket, fuel and dining spend on the card to accumulate 1 point per $1 quickly. Use the card for overseas online purchases as there’s no international cap on points, but factor in the 3.4% conversion fee when calculating net value.
Time major purchases and any balance transfers to the 0% p.a. window so you can clear balances interest-free within 15 months. Combine this with periodic bonus point promotions, and you can convert points into meaningful travel rewards or gift cards without overspending.
Who Should Apply and Practical Tips
The Citi Rewards Card suits Aussies who can clear balances during the 15-month 0% p.a. window and who value reward points for travel or shopping. It’s also handy for consolidating loan debt thanks to Citi’s flexible balance transfer and personal loan transfer options, but avoid carrying large balances once the introductory term ends.
Before applying, check eligibility—Australian citizens or permanent residents with a minimum income (commonly expected around $35,000) and a solid credit history. Always read the PDS for up-to-date terms, watch the repricing after the intro period, and set up autopay to dodge late fees and protect your hard-earned points.