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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 15 months on purchases, or $400 Luxury Escapes Gift Card. Ongoing benefits include Citi Rewards Points earned on eligible purchases, and complimentary travel insurance.


Updated 8 May 2025


Fact checked and verified. Updated 8 May 2025
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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 $199 annual fee, including up to 44 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.

Offer 1: Bonus Points.
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. 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 15 months. Also, the product has a special 0% p.a. Balance Transfer offer for 15 months. Of note, there is also a 2% p.a. Balance Transfer fee which should be considered when evaluating the overall benefit of this offer. To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.
Offer 3: $400 Luxury Escapes Gift Card and discounted Annual Fee in first year.
For a limited time the Citi Rewards credit card has a $400 Luxury Escapes Gift Card offer. In addition, the product also has a $99 annual fee in first year, which is a saving of $100 from the standard fee of $199. 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
Rewards

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Earn Citi Rewards Points

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

Fees
Account Fees

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$199 annual account fee

Additional Cardholder Fees

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$90 additional cardholder fee

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Up to 4 additional cardholders

Transaction Fees

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3.40% international transaction fee

Other fees may apply.

Rates

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22.49% p.a. variable purchase rate

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22.99% p.a. variable cash advance rate

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Up to 44 interest free days on purchases

Features
Insurance

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Guaranteed Pricing Scheme

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Purchase Cover Insurance

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Extended Warranty Insurance

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International Travel Insurance

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Transit Accident Insurance

Offers
Bonus Points Offer

100,000bonus points

Purchase & Balance Transfer Offer

0% p.a. for 15 monthson purchases

0% for 15 monthson balance transfers (2.00% BT fee applies), reverts to 22.99% p.a.

Cash Back Offer

$99annual fee in first year

$400Luxury Escapes Gift Card

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TMD

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

Alternative Credit Cards
More information
^ 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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