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Citibank Citi Rewards Platinum

Citibank Citi Rewards Platinum (page 2 of 4)

2.9 from 68 reviews

See the Best Balance Transfer Credit Cards in 2019 as rated by Australians on ProductReview.com.au.

Pros

  • Multiple Promotional Offers to choose from (see Details) if you apply by 31 January 2020

  • Points Earn Rate: 1 Citi Point per $1 spent

  • Linked Diners Club Card has No International Transaction Fees and 2 Citi Points per $1 spent earn rate

  • 0% on Balance Transfers for either 12, 15 or 26 months

  • Reduced $0 or $49 Annual Fee in your first year

Cons

  • $149 or $199 Annual Fee after your first year

  • 3.4% International Transaction Fee

  • 1% or 1.5% Balance Transfer Fee may apply depending on which sign-up offer you choose

Details

CategoryBalance Transfer Credit Cards and Rewards Credit Cards
Contact Number 1300 300 470
Card TypeVisa
BenefitsReduced First Year Annual Fee and Sign-Up Bonus Points Offer
Minimum Credit Limit $6,000
Maximum Credit Limit $100,000
Minimum Income $35,000
Additional Cardholders 4
Additional Cardholder Fee $90 p.a.
Minimum Repayments2%
Rewards ProgramCiti Rewards
Points Earn Rate 1 points per $1
Points Conditions
  • 1 Citi point per $1 on International Spend for eligible transactions

  • 1 Citi point per $1 on Domestic spend for eligible transcations capped at $10,000 per statement period

  • 2 Citi points per $1 on linked Diners Club card for eligible transactions

Contactless PaymentsApple Pay and Samsung Pay
Rates & Fees
Purchase Rate21.49% p.a.
Cash Advance Fee3.5%
Late Payment Fee$30
Annual Fee$149 p.a.
Foreign Transaction Fee 3.4%
Overseas ATM Withdrawal Fee$0
Interest Free Period 55 days
Cash Advance Rate21.74% p.a.
Introductory Offers
Sign-Up Bonus Receive up to 120,000 bonus points (80,000 points when you spend $3,000 in the first 90 days from approval and an additional 40,000 points on your first anniversary)
Introductory Offers

Choose from one of the following sign-up offers:

  • Collect 70,000 flybuys Bonus Points when you apply for a Citi Rewards Platinum credit card and spend $3,000 on it in the first 90 days from approval.

  • Earn 80,000 Bonus Points when you spend $3,000 within the first 90 days from approval and an additional 40,000 bonus Points on your first anniversary.

  • 0% p.a. for 26 months on balance transfers (1.5% balance transfer fee applies)

Reduced First Year Annual Fee $49.00
Balance Transfer Rates
Balance Transfer Period 15 months
Balance Transfer Rate 0% p.a.
Balance Transfer Fee 1%
Release dateAug 2006

Visit official website

Reviews

Review distribution

5 star
17
4 star
13
3 star
8
2 star
5
1 star
25

Adrian

AdrianMetropolitan Adelaide, SA

  • 5 reviews

Good card, Good customer service

published

Good card with good customer service. Rewards points are ok but complimented greatly with 2 free annual priority lounge pass and complimentary bottle of wine when dining at affiliated restaurants in Australia with a minimum spend of $50. Upgrade to Signature where possible to get better reward point system but note that reward points are not transferable from Platinum to Signature for some reason.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateMarch 2017
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses
See all answers

Chiken

ChikenGreater Melbourne (Outer), VIC

  • 9 reviews

Great, bank! Good service.

published

Customer service is quite helpful, but the online system is not user friendly. Easy enough to transfer internally and externally once everything has been set up. Was able to qualify for extra qantas pts and recieved it with no problems

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateJune 2019
Main Point of ContactOnline
Card / Account Used ForEveryday Expenses
See all answers

The reviewer stated that an incentive was offered for this review

Frustrated

FrustratedSouth East Queensland, QLD

Worst customer service: beyond appalling

published
Transparency
Customer Service
Online Experience
Application Process
See all answers
Deza da Advocate

Deza da AdvocateSouth East Queensland, QLD

  • 34 reviews
  • 15 likes
  • Verified customer

OK points terrible customer service

published
Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateAugust 2018
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses, Online Shopping, Overseas/Travel and Special Purchases
See all answers

Wetwork65

Wetwork65Sydney Surrounds, NSW

  • 25 reviews
  • 20 likes

It was OK

published

The rewards program was good when I first got it and the payment terms were good. I wanted Qantas points in particular, but this value whittled away over time to be half the original value.
The annual fee was raised by a large amount to (I think) $285, so I cancelled the card.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses
See all answers

The reviewer stated that an incentive was offered for this review


Worst Customer Service, Worst Bank, and Worst Credit Card.....EVER.....

published
Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateJune 2019
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses, Online Shopping and Overseas/Travel
See all answers

Dom

DomGreater Melbourne (Outer), VIC

  • 5 reviews
  • 1 like

Great card

published

This card offers no annual fee for the first year. I use it for daily groceries as well as online purchases for collecting points. It is very easy to transfer the balance to this credit card using NetBank. No issues what so ever till now.

Main Point of ContactOnline
Card / Account Used ForEveryday Expenses

Aazim

AazimGreater Melbourne (Outer), VIC

  • 7 reviews
  • Verified customer

Excellent Card

published

Has a very low first-year annual fee and discounted for consecutive years if you reach the minimum spend. Give a lot of bonus points, which can be redeemed for rewards. Just love using the card as it has a great design and have received a lot of compliments for it. Integrates seamlessly with Google pay and Samsung pay. Has complimentary insurance for purchases and travel, plus great customer service. One of the cards I would recommend any day.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Main Point of ContactOnline
Card / Account Used ForEveryday Expenses, Online Shopping, Overseas/Travel and Special Purchases
See all answers
Bunu

BunuGreater Melbourne (Outer), VIC

  • 4 reviews
  • 1 like
  • Verified customer

NO ANNUAL FEE!

published

This card offers no annual fee for the first year. I use it for daily groceries as well as online purchases for collecting points. It is very easy to transfer the balance to this credit card using NetBank. No issues what so ever till now.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateMarch 2019
Main Point of ContactOnline
Card / Account Used ForEveryday Expenses, Online Shopping and Special Purchases
See all answers
Sree

Sree

  • 5 reviews

Best multipurpose card suits everyone

published

Very useful card without any annual fee for the first year. Generous reward points and two priority pass free annually. What else you want. Best reward card with qantas points to help you earn great rewards

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateApril 2019
See all answers

The reviewer stated that an incentive was offered for this review


KingRanga

KingRangaCentral Highlands and Goldfields, VIC

  • 3 reviews
  • 1 like

Great card and customer service

published

Easy to apply for and customer service very easy to deal with. It’s not the best rate going around but I also look at the other benefits I get from them. Nil issues

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateFebruary 2017
Main Point of ContactPhone
Card / Account Used ForSpecial Purchases
See all answers

altamash.r2007

altamash.r2007Sydney, NSW

  • 2 reviews

Best Credit Card in Australia

published

This card comes with zero annual fee for the first year. Also you can opt for BT and cash in much cheaper rate. earning reward using a credit card was not this much rewarding with CITI.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Card Start DateJune 2018
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses, Online Shopping, Overseas/Travel and Special Purchases
See all answers

sam

samSydney, NSW

  • 33 reviews
  • 43 likes

The best credit card

published

It is an excellent card. My deal with the Citi is that I don’t pay an annual fee, ever, I earn generous points, it is accepted anywhere where accepts card payments, I have gone over the limit with no penalties applied and can be linked to a complimentary Diners Club card which can earn more points for you.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateFebruary 2012
Main Point of ContactBranch
Card / Account Used ForEveryday Expenses, Online Shopping and Overseas/Travel
See all answers

mollydooka

mollydookaPerth, WA

  • 11 reviews
  • 6 likes
  • Verified customer

Longing for the photo ID days

published
Customer Service
Rates and Fees
Rewards
Online Experience
Main Point of ContactPhone
Card / Account Used ForOnline Shopping and Overseas/Travel
See all answers
Mikef50

Mikef50Sydney, NSW

  • 52 reviews
  • 30 likes
  • Verified customer

But it Promised So Much!

published
Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Main Point of ContactOnline
Card / Account Used ForEveryday Expenses, Online Shopping, Overseas/Travel and Special Purchases
See all answers
happy_buyer

happy_buyerSydney, NSW

Using points a scam-AVOID

published
Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateJanuary 2005
Main Point of ContactPhone
Card / Account Used ForOverseas/Travel
See all answers

Tracy

TracyGoulburn Valley, VIC

  • 7 reviews

If only could I give 0 star

published

I really hope I had checked the reviews of others before I applied. The whole process from applying to activating the card was just dodgy! I have called the hotline twice to receive different answers. There is no waiver on annual fee and the services they offer do not suit my needs at all.

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateFebruary 2019
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses
See all answers

Dave Frame

Dave Frame

  • 6 reviews
  • 6 likes
  • Verified customer

Rewards (or lack there of...)

published

This really is a very dishonest company

published

I transferred from a great credit company to Citi based on the bonus rewards points. 5 months and many phone calls later they’ve found a way to wriggle out of it although they agreed that I met all the criteria ie- spending the amount within the days, etc.. if you’re thinking of joining based on receiving bonus points really think twice or make sure you going to receive them before you apply.


Jason F.

Jason F.South East Queensland, QLD

  • 6 reviews
  • 1 like

Coles Rewards Platinum Mastercard (Citibank)

published

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