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Citi Rewards Credit Card

The Citi Rewards Credit Card offers 100,000 bonus Citi Rewards Points, or 0% p.a. for 12 months on purchases. Ongoing benefits include Citi Rewards Points earned on eligible purchases, and complimentary travel insurance.

Updated 8 December 2023

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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 two introductory offers.

Offer 1: Bonus Points and discounted Annual Fee in first year.
For a limited time the Citi Rewards credit card has a bonus Citi Rewards Points offer, where you could receive 100,000 bonus Citi Rewards Points in the first year. In addition, the product also has a $99 annual fee in first year, which is a saving of $50 from the standard fee of $149. To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.
Offer 2: Discounted introductory purchase rate and Balance Transfer.
For a limited time the Citi Rewards credit card has a 0% p.a. Purchase rate offer for 12 months. Also, the product has a special 0% p.a. Balance Transfer offer for 12 months. Of note, there is also no Balance Transfer fee which is a significant benefit. To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.

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. variable purchase rate

22.24% p.a. variable cash advance rate

Up to 55 interest free days on purchases


Guaranteed Pricing Scheme

Purchase Cover Insurance

Extended Warranty Insurance

International Travel Insurance

Transit Accident Insurance

Bonus Points Offer

100,000bonus points

$99annual fee in first year

Purchase & Balance Transfer Offer

0% p.a. for 12 monthson purchases

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

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Before applying for this product, you should read the Target Market Determination (TMD) available here on the Citi website.

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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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