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Compare Citi Credit Cards

Compare the latest Citi Credit Card offers. 0% for 28 months on Balance Transfers. 100,000 bonus Qantas Points. 110,000 bonus Velocity Points. Review your existing Citi Credit Card. Get a better deal today.


Updated 22 May 2024


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Are Citi Rewards or Qantas Frequent Flyer rewards better?

If you take out a Citi loyalty points Credit Card you’ll generally have the option to link it to Qantas Frequent Flyer, Emirates Skywards or Citi Rewards. We look at the pros and cons of each rewards program to help you choose which is right for you.

How do Citi Rewards credit cards work?

The Citi Rewards program is designed to give you flexibility in the way you choose to redeem rewards points. It allows you to accumulate rewards on your everyday purchases and doesn’t cap the number of points you can earn.


You can then spend these points across a range of categories, including Gift cards . You can also convert your Citi Rewards points to frequent flyer points with 4 different partners, including Velocity Frequent Flyer, Singapore Airlines Krisflyer, Emirates Skywards, andFlybuys.


The following provides more information about these redemption options:

  • Gift cards. You can convert your Citi Rewards points for gift cards through a number of retail partners. These include Amazon, Apple, Coles, Woolworths, Big W, Bonds, Bunnings, BWS, Dan Murphys, Drummond Golf, eBay, Harvey Norman, JB Hi Fi, Myer, Target, Uber, and more.
  • Airline partners. 4 different frequent flyer programs partner with Citi Rewards offering the following rates of exchange:
    • Velocity Frequent Flyer.2.5 Citi Rewards Points = 1 Velocity Point
    • Singapore Airlines Krisflyer.3 Citi Rewards Points = 1 Krisflyer Mile
    • Emirates Skywards.3 Citi Rewards Points = 1 Emirates Skywards Point
    • Flybuys.1.34 Citi Rewards Points = 1 Flybuys Point

Which cards come with Citi Rewards?

Citi offers 3 different cards that come with Citi Rewards. These include the entry-level Citi Rewards card, as well as the Citi Premier and the Citi Prestige. For a higher fee, these offer the opportunity to earn more rewards points, and feature other travel-related benefits.


Summary of the benefits of Citi Rewards cards

Citi Rewards
Fee$149
International transaction fee3.4%
Purchase rate22.24% p.a.
Free Daysup to 55
Rewards points earned

Earn Citi Rewards Points

1point per $1 spent up to $10,000

Other benefits

Complimentary travel insurance

Minimum credit limit$6,000
Citi Premier
Fee$300
International transaction fee3.4%
Purchase rate22.24% p.a.
Free Daysup to 55
Rewards points earned

Earn Citi Rewards Points

1point per $1 spent

200,000 annual points cap

Other benefits

Complimentary travel insurance

Minimum credit limit$10,000
Citi Prestige
Fee$700
International transaction fee3.4%
Purchase rate22.24% p.a.
Free Daysup to 44
Rewards points earned

Earn Citi Rewards Points

1point per $1 spent

Other benefits

Complimentary travel insurance

Minimum credit limit$20,000

Current offers on Citi Rewards cards

Citi has the following offers for people taking out a new Citi Rewards card.


Citi Rewards

Purchase & Balance Transfer Offer

0% p.a. for 12 monthson purchases

0% for 12 monthson balance transfers, reverts to 22.24% p.a.

Bonus Points Offer

100,000bonus points

$99annual fee in first year

Citi Premier

Cash Back Offer

$150annual fee in first year

$750Luxury Escapes Gift Card

Cash Back Offer

$600cashback

Bonus Points Offer*

up to 200,000bonus points

$150annual fee in first year

Citi Prestige

Bonus Points Offer

275,000bonus points

How do the Citi Qantas Frequent Flyer credit cards work?

As the name suggests when you spend money on your Citi Qantas Frequent Flyer card, you earn Qantas Frequent Flyer Points directly. Points are uncapped and the amount you’ll receive depends on how much you spend.


Qantas Frequent Flyer program is extensive, giving you the opportunity to use points for domestic and international flights and upgrades. You can also redeem points for:

  • hotels
  • shopping, including gift cards and direct purchases from the Qantas Store
  • purchases through Qantas Wine
  • Qantas Travel Insurance, and
  • hire cars and fuel through BP

Which cards come with Qantas Frequent Flyer?

Citi offers 2 different cards that link to Qantas Frequent Flyer. These include the entry-level Citi Premier Qantas card, as well as the Citi Prestige Qantas. For a higher fee, these offer the opportunity to earn more rewards points, and feature other travel-related benefits.

Summary of Citi Qantas Frequent Flyer Cards

Citi Premier Qantas
Fee$350
International transaction fee3.4%
Purchase rate22.24% p.a.
Free Daysup to 55
Rewards points earned

Earn Qantas Points

0.5points per $1 spent

100,000 annual points cap

Other benefits

Complimentary travel insurance

Minimum credit limit$10,000
Citi Prestige Qantas
Fee$749
International transaction fee3.4%
Purchase rate22.24% p.a.
Free Daysup to 44
Rewards points earned

Earn Qantas Points

0.5points per $1 spent

Other benefits

Complimentary travel insurance

Minimum credit limit$20,000

Current offers on Citi Qantas Frequent Flyer cards

Citi has the following offers for people taking out a new Citi Qantas Frequent Flyer card.


Citi Premier Qantas

Bonus Points Offer*

up to 70,000bonus points

Citi Prestige Qantas

Bonus Points Offer

100,000bonus points

Which should you get: Citi Rewards or Qantas Frequent Flyer?

Ultimately, whether you should choose a Citi Rewards or a Citi Qantas Frequent Flyer credit card depends largely on how you intend to redeem the points.


If you’re happy flying Qantas and shopping through its partners, then earning Qantas Frequent Flyer points directly can be a great option.Alternatively, if you’d prefer to fly another airline, then the Citi Rewards card gives you the opportunity to redeem through 4 different frequent flyer loyalty programs schemes (Qantas isn’t one of them).


If cost is a consideration, it’s also worth noting that the Citi Rewards cards tends to be slightly cheaper than the Citi Qantas Frequent Flyer cards. But if you’re earning more points on an airline you’d choose to fly, this probably won’t matter.


Alternatively, if you don’t feel like you’ll get value out of rewards points, a low-cost no-frills card could save you money.

In short…

Both cards offer great rewards programs and the choice ultimately comes down to personal preference.


More information
* Select “learn more” for additional information regarding fees, interest rates, rewards and other features.
^ Credit card reward programs can be difficult to compare due to tiered and capped points earn rate structures. To simplify comparison, we estimate the number of points you could earn per $1 spent, assuming $5,000 of spend on eligible purchases each month.
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