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Citi - Rewards Credit Card

Flybuys offer

The Citi Rewards (Flybuys offer) credit card has an introductory purchase rate of 0% for 6 months, reverts to 21.49% p.a. after the introductory period is over. On international and domestic spend, 1 point is earned per dollar spent. For domestic purchases, points are earned up to the cap of $10,000 spend per statement period.

Up to 4 additional cardholders can be added for $90. The retail purchase rate is 21.49% p.a. and there are up to 55 days interest-free on any purchases.

Compare Credit CardsProduct Image For Citi - Rewards Credit Card  - Flybuys offer
100,000 Flybuys bonus points when $5,000 is spent on eligible purchases within 90 days of approval.
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Annual Fee

$199 per year

Cash Advance Rate

22.24% p.a.

Purchase Rate

0% for 6 months reverts to 21.49% p.a.

Rewards Rate One

1 point(s) per AUD$1 On domestic spend up to $10,000 per statement
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Details

Card Type
Mastercard
Minimum Repayment
2% or $25
per statement, whichever is greater
Interest Free Period
up to 55
days
Minimum Credit Limit
$2,000
Maximum Credit Limit
$100,000

Fees

Annual Fee
$199
per year
Late Payment Fee
$30
per statement
Cash Advance Fee
3.50% or $3.50
per transaction, whichever is greater
Additional Card Holder Fee
$90
Additional Card Holder Cap
up to 4
additional holders

Rates

Purchase Rate
0% for 6 months
reverts to 21.49% p.a.
Cash Advance Rate
22.24% p.a.

Balance Transfer

Balance Transfer
22.24% p.a.

Overseas Spending

Foreign Currency Conversion Fee
3.40%
per transaction
Overseas Cash Advance Fee
3.40%
per transaction

Eligibility

Minimum Age
18
years old
Temporary Residents
No

Rewards

Program
Citi Rewards
Types
Hotels, Cashback
Bonus
100,000 bonus points

Reward Rates

Rewards Rate One
1 point(s) per AUD$1
On domestic spend up to $10,000 per statement
Rewards Rate Two
1 point(s) per AUD$1
On international Spend

Perks

Complimentary Travel Insurance
Yes
Airport Lounge Access
No

Who is the product designed for?

The target market for the Product is individuals who:

  • are seeking a line of credit facility for everyday spending to earn up to 1 Reward Points per dollar on certain purchases and make use of complimentary insurances
  • meet eligibility criteria and serviceability requirements for the Product
  • are unlikely to hold substantial balances for prolonged periods except to take advantage of reduced interest rates and/or instalment repayments on a Fixed Payment Option or a Balance Transfer (including holding a Balance Transfer for longer than the period during which a reduced interest rate applies).

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