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Citi Rewards Credit Card

The Citi Rewards Credit Card offers a range of benefits including Citi Rewards Points earned on eligible purchases, complimentary travel insurance.


Updated 12 September 2025


Fact checked and verified. Updated 12 September 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.

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
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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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