Citi - Prestige Credit Card
Bonus Reward Points
The Citi Prestige credit card has an introductory balance transfer rate of 0% for 6 months. The rate reverts to 22.24% p.a. after this time. Up to 4 additional cardholders can be added for $0, and there are up to 44 days interest-free on any purchases.
The Citi reward Points earn rate is 3 points per dollar spent on international transactions or domestic transactions made with major airlines, hotel chains and restaurants. Get 2 points for every dollar spent at major supermarkets, petrol outlets and national retailers or 1 point for any other domestic transactions.
275,000 bonus Citi reward Points when $10,000 is spent within 90 days of card activation.
Annual Fee
$700 per year
Balance Transfer
0% for 6 months reverts to 22.24% p.a.
0% BT fee applies. No interest free days apply to retail purchases while you have a Balance Transfer
0% BT fee applies. No interest free days apply to retail purchases while you have a Balance Transfer
Purchase Rate
21.49% p.a.
Rewards Rate One
3 point(s) per AUD$1 On international Spend
Details
Card Type
Mastercard
Minimum Repayment
2% or $30
per statement, whichever is greater
Interest Free Period
up to 44
days
Minimum Credit Limit
$20,000
Maximum Credit Limit
$100,000
Fees
Annual Fee
$700
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
$0
Additional Card Holder Cap
up to 4
additional holders
Rates
Purchase Rate
21.49% p.a.
Cash Advance Rate
22.24% p.a.
Balance Transfer
Balance Transfer
0% for 6 months
reverts to 22.24% p.a.
0% BT fee applies. No interest free days apply to retail purchases while you have a Balance Transfer
0% BT fee applies. No interest free days apply to retail purchases while you have a Balance Transfer
Balance Transfer Limit
80%
of credit limit
Balance Transfer Fee
0%
per transaction
Transfer Interest Free Days
No
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
Joint Application
No
Rewards
Program
Citi Rewards
Types
Cashback, Hotels
Bonus
275,000 bonus points
Reward Rates
Rewards Rate One
3 point(s) per AUD$1
On international Spend
Rewards Rate Two
2 point(s) per AUD$1
On domestic Spend
Perks
Complimentary Travel Insurance
Yes
Airport Lounge Access
Yes
Who is the product designed for?
This product has been designed for individuals who:
- are seeking a line of credit facility for everyday spending to earn up to 3 Reward Points per dollar on certain purchases and make use of complimentary insurances and Product benefits;
- meet eligibility criteria and serviceability requirements for the Product; and
- 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).
Visit Citi to view Target Market Determination Effective From: 2023-09-30.
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