1 photo
Citibank Citi Rewards Classic

Citibank Citi Rewards Classic

4.5 from 2 reviews · View Statistics


  • Earn Citi Reward Points at a 1 point per dollar earn rate

  • Earn up to $50 cash back on all retail purchases (up to $1,000 spend) in the first 90 days from account approval

  • 0% p.a. on Balance Transfers for 15 months

  • Complimentary Purchase Cover Insurance and Complimentary Guaranteed Pricing Scheme

  • Accessible Minimum Credit Limit of $2,000


  • 1.5% Balance Transfer Fee

  • 3.4% International Transaction Fee

  • Balance Transfer Rate reverts to high Cash Advance Rate after 15 months


CategoryBalance Transfer Credit Cards and Rewards Credit Cards
Card TypeVisa
BenefitsCashback Offer, Complimentary Travel Insurance and Reduced First Year Annual Fee
Minimum Credit Limit A$2,000
Maximum Credit Limit A$100,000
Additional Cardholder Fee A$15 p.a.
Rewards ProgramCiti Rewards
Points Earn Rate 1 points per $1
Points Conditions
  • 1 point per $1 on all eligible Domestic Spend, up to $5,000 per statement period

  • 1 point per $1 on all eligible International Spend (uncapped)

Contactless PaymentsApple Pay and Samsung Pay
Rates & Fees
Purchase Rate20.99% p.a.
Annual FeeA$99 p.a.
Interest Free Period 55 days
Cash Advance Rate21.74% p.a.
Introductory Offers
Introductory Offers

Earn 5% cash back on all retail purchases (up to $1,000 spend) in the first 90 days from account approval

Reduced First Year Annual Fee A$49
Balance Transfer Rates
Balance Transfer Period 15 months
Balance Transfer Rate 0% p.a.
Balance Transfer Fee 1.5%

Visit official website



2 reviews
  • Transparency
    4.0 (1)
  • Customer Service
    5.0 (1)
  • Rates and Fees
    3.0 (1)
  • Rewards
    4.0 (1)
  • Online Experience
    4.0 (1)
  • Application Process
    5.0 (2)

AbsSydney, NSW

  • 4 reviews

The best credit card so far


I like the rewards programme which is easy to use and great value . Easy to download woolworths credit and they have good customers services if you have any questions . Although is a bit hard for me to understand the customer services as English is not my first language

Application Process
Incentivised ReviewNo
Card Start DateMarch 2018
Main Point of ContactPhone
Card / Account Used For
  • Everyday Expenses
  • Online Shopping
  • Special Purchases
See all answers

DavidIllawarra, NSW

Perfect card for everyday transactions


I have been with Citi for over 10 years now. The card is well managed and the fraud team and very proactive with immediate calls to my wife and i if they suspect bad activity.
The rewards are solid and easy to accumulate points or transfer them if needed.
Citi have previously waived the annual fee when we have spoken to them, so quite a flexible company to work with.

Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateJuly 2008
Main Point of ContactPhone
Card / Account Used For
  • Everyday Expenses
See all answers

The reviewer stated that an incentive was offered for this review

Questions & Answers

Sorry, there are no questions yet.

Get an answer from our members and Citibank representatives

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.