Citi Rewards Platinum

The Citi Rewards Platinum Visa credit card has all the facets of a premium reward credit card as you’d expect from Platinum status, but the added surprise with this card is the Introductory offer:

Introductory Offer: 100,000 Bonus Reward Points PLUS 0% on Balance Transfers for 15 months PLUS $49 annual fee first year, $149 ongoing

Offer conditions:  Apply by 31st January 2018. Bonus points will be awarded when you spend $3,000 on your card within 90 days of approval. Balance transfer rate reverts to cash advance rate and a BT fee of 1.5% applies.

The Citi Rewards program offered with the Citi Rewards Platinum credit card has a focus on choice and flexibility, as points can be redeemed across a large selection of options - cashback, retail rewards, shopping gift cards and of course travel.

If you choose to redeem points for flights points can be redeemed on either Velocity, Krisflyer, Virgin Australia Vouchers or TakeFlight rewards programs

The Citi Platinum Reward Credit Card includes all the features you’d expect of a premium card:

  • Up to 55 interest free days on purchases - providing you pay off your balance in full every month including any balance transfer amount.
  • Low Minimum Income requirement - eligibility level of $35,000 p.a.
  • Generous Points ratio - 1 Citi Rewards point per $1 spent on eligible Domestic Spend upto $10,000 per statement period. And 1 Citi Reward Point per $1 on eligible International Spend (uncapped) 
  • Complimentary Insurances - Purchase Cover, International Travel, Transit Accident & Extended Warranty insurances on eligible purchases.
  • Card Security - covered by Fraudshield.
  • Visa payWave - provides the convenience of tap and go quick payments on transactions up to $100.
  • Concierge Services - 24/7 Service
  • Free wine - every time you dine with the Citi Dining Program

Rates updated at: 23 May 2018
Card Details
Card Provider Citi Credit Cards
Card Level Platinum
Card Type Visa
Instant Approval Yes in 60 seconds
Acceptance Criteria
Age To Apply 18
Min. Income $35000
Residency Australia
Temporary Residents No
Min. Credit Limit $6000
Joint Applicants No
Standard Rates
Purchase Rate 20.99% p.a.
Cash Advance Rate 21.74% p.a.
Balance Transfer Rate 0.00
Balance Transfer
Balance Transfer Rate 0.00
Balance Transfer Period 15 months
Balance Transfer Fee 1.5%
Introductory Offer 100,000 Bonus Reward Points PLUS 0% on Balance Transfers for 15 months PLUS $49 annual fee first year, $149 ongoing
Bonus Points -
Offer End Date 31st January 2018
Rewards Program Citi Rewards Program
Rewards Points 1 Citi Reward Point per $1 spent on eligible Domestic Spend upto $10,000 per statement period. And 1 Citi Reward Point per $1 on eligible International Spend (uncapped)
Fees and Terms
Interest Free Period Up to 55 days
Min. Monthly Repayment $30.00
Annual Fee $49.00
Balance Transfer Fee 1.5%
Over Limit Fee $40.00
Duplicate Statement Fee $7.00
Interest Charged From Purchase date
Late Payment Fee $10.00
Min. Repayment % 2.00
Max. Credit Limit $100000
Cash Advance Fee 3.5% of transaction amount
Additional Card Holder Fee $90.00
Travel and Insurance
Foreign Currency Conversion fee 3.3% of transaction value
Overseas ATM withdrawal fee $5.00
Complimentary Travel Insurance Yes, including International Travel Insurance, Transit Accident Insurance, Extended Warranty, Purchase Cover and Guaranteed Pricing Scheme
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Terms and Conditions: Read the Terms and Conditions for the Citi Platinum Reward Visa Credit Card


Answer yes to these 4 questions and you are eligible to apply:

  1. I am over 18 years of age
  2. I have a good credit rating
  3. I earn in excess of $35,000 p.a.
  4. I am a permanent resident of Australia

You can't balance transfer to the Citi Balance Transfer Offer at the promotional balance transfer rate, from any of the following card issuers:

  • Bank of Queensland
  • Beyond Bank
  • Citi
  • CUA
  • Family First Credit Union
  • FCCS Credit Union
  • IMB
  • MyState Financial
  • Suncorp
  • Woolworths



To apply on line and get a response in 60 Seconds for the Citi Platinum Reward Visa Credit Card you’ll need the following information to hand:

  • Your Australian Drivers License
  • A salary or wage slip and contact details of your employer
  • An overview of your debts and assets including any loans, store or credit cards
  • An email address

Apply now

A: You commence a secure application process as follows:

  1. Clicking Go to site will direct you to the providers web site‚Äč
  2. Complete the online application on the providers web site
  3. Once approved, the Provider will issue your new credit card, this takes around 1-2 weeks.