Citi Rewards Credit Card

The Citi Rewards Credit Card offers 175,000 bonus Citi Rewards Points, plus 0% p.a. for 14 months on purchases, plus 0% for 15 months on balance transfers. Ongoing benefits include Citi Rewards Points earned on everyday purchases, and complimentary travel insurance.

Updated 18 May 2022

* See details below

Expert Review

The Citi Rewards credit card is Citi's mid-tier Citi Rewards product. Featuring a competitive points earn rate which is Citi's highest and uncapped, the card provides premium features such as insurances. Further, the product has a $149 annual fee, including up to 55 interest free days.

Considering its key features, this card is most suitable to someone who wishes to be rewarded for their spend. Other benefits include Overseas Travel and Medical Insurance which is similar to equivalent products.

This Citi Rewards credit card currently features a choice of three introductory offers.

Product Details
When it comes to rewards, you’re spoilt for choice."
- Citi

Earn Citi Rewards Points

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

Account Fees

$149 annual account fee

Additional Cardholder Fees

$90 additional cardholder fee

Up to 4 additional cardholders

Transaction Fees

3.40% international transaction fee

Other fees may apply.


21.49% p.a. purchase rate

22.24% p.a. cash advance rate

Up to 55 interest fee days on purchases


Guaranteed Pricing Scheme

Purchase Cover Insurance

Extended Warranty Insurance

International Travel Insurance

Transit Accident Insurance

Bonus Points Offer

up to 175,000bonus points

0% for 15 monthson balance transfers, reverts to 22.24% p.a.

$49annual fee in first year

100,000 bonus points in year 1 + 75,000 bonus points in year 2.
Purchase & Balance Transfer Offer

0% p.a. for 14 monthson purchases

0% for 14 monthson balance transfers, reverts to 22.24% p.a.

$49annual fee in first year

Balance Transfer Offer

0% for 15 monthson balance transfers, reverts to 22.24% p.a.

$99annual fee in first year

$400cash back

$400 cashback when you spend $3,000 on eligible purchases using Apple Pay within 90 days from approval.
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Before applying for this product, you should read the Target Market Determination (TMD) available here on the Citi website.

points per
$1 spend*
Alternative Credit Cards
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^ 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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