Citi Credit Cards

Congratulations, Citi!

Citi was a big winner in the 2025 Finder Awards.

• Highly commended, Best Balance Transfer Credit Card: Clear Card - Balance Transfer Offer
• Highly commended, Best Velocity Frequent Flyer Credit Card: Premier Card - Velocity Points Offer

Full list of 2025 credit card winners

Benefits of getting a credit card with Citi

Each Citi credit card comes with different features, but these are the benefits you'll get with any of them:

Mobile payments

If you want to make payments from your phone or another mobile device, you can add your Citi card to an eligible app and tap to pay.

• Apple Pay
• Google Pay
• Samsung Pay

Shopping offers

Having a Citi credit card gives you access to deals and special offers at restaurants, shops, hotels, travel booking services and more through Mastercard Priceless.

You can see the latest offers on the Mastercard Priceless websites. Citi may also email you with personalised offers, although it will depend on your account settings.

Citi credit card instalment plans

If you want to pay off part of your balance over time, an instalment plan with fixed monthly repayments helps make it easier to budget. Citi offers three types of instalment plans depending on the type of spending or balance.

These plans are subject to eligibility. You can see what's on offer for your account at any time by going to the "My Offers" section when you're logged into your Citi account online or the Citi Mobile App.

Learn more about using instalment plans on a credit card to see if they'll work for you.

Citi Mobile App

In October 2023, it was in the top 100 finance apps in the App Store (Australia), with a 4.7 rating from over 17,000 reviews. On Google Play, its rating was 3.5 from over 10,000 reviews.

How to apply for a Citi credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age, and you'll need to meet minimum income requirements (which vary depending on the card). For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

Frequently asked questions

• Is Citi the same as Citibank?

  In Australia, Citi used to be known as Citibank. After National Australia Bank (NAB) acquired Citigroup's Australian consumer business, it is exclusively referred to as "Citi".

  But with a rewards credit card, you'll see the names Citibank Rewards Program and Citibank Qantas Rewards Program on the terms and conditions.

• How can I pay my Citi credit card?

  Citi offers the following repayment options:

  • BPAY. Citi's Biller Code is 49502 and your Customer Reference Number is your 16-digit credit card number (the one printed on your card).
  • Australia Post. Pay with cash or EFTPOS at any Bank@Post location.
  • Transfer from a Citi account. You can transfer money directly from a Citi transaction account or by calling Citi on 13 24 84.
  • Automatic payments. You can set up regular repayments from an Australian bank account by filling in Citi's credit card Easi-Pay application form. This lets you choose to have the minimum amount, a higher dollar amount or the full amount owed automatically taken from your bank account each month.

  If you can, always make your repayment a few days before the due date on your statement. This gives it time to be processed and reduces the risk of any issues with late payments.

  Always check: Your monthly credit card statement has details about all the ways you can repay what you owe. It also shows how much you owe, the minimum amount you need to pay and the due date for a repayment.

• How can I check my credit limit or change it?

  You can check your credit limit through Citi Online, the Citi app or by calling Citi on 13 24 84. If you want to decrease your credit limit, you can do this online or over the phone.

  If you want to increase your credit limit, you need to submit a credit limit increase request. You can do this by calling 1800 801 732 and selecting Option 2. Note that you can only request a credit limit increase if you've had your account more than 9 months. Credit limit increases are also subject to criteria and a credit check, which could impact your credit report.

• What happens if my credit card is lost, stolen or used for fraud?

  If you can't find your card or think it's been used by fraudsters, call Citi on 13 24 84 from Australia or +61 2 8225 0615 from overseas.

  If Citi detects suspicious activity on your account or needs to check on a transaction, you will get a text, email or phone call. You may also be asked to reply to Citi by calling 1300 550 216 or +612 8225 0035.

• How do repayments work when I set up a Citi credit card instalment plan?

  When you convert part of your Citi credit card balance to an instalment plan, your first monthly instalment will be billed on the second statement after the plan has been set up. Your monthly repayment amount will then be included on your statement as part of the Minimum Payment Amount.

  As with any credit card debt, you'll need to pay this minimum amount by the due date on your statement to keep your account in good standing.

  If you want to pay off more than the minimum on your statement when you have a Fixed Payment Option, the additional money will automatically be applied to your regular account balance first. If your regular account balance is paid in full, any additional money you pay will go towards your instalment plan balance.

• What is the Citi Dining Program?

  The Citi Dining Program has focused on offering access to exclusive food and wine offers. For example, you could enjoy complimentary tickets to food and wine shows, or VIP access at dining events. The free wine when you dine perk was discontinued as of 1 June 2022.

• What is a cheque to self? Can I get one with a balance transfer?

  A cheque-to-self is a way to move funds between accounts held in your name. Before 1 October 2019, Citi was the only issuer in Australia that offered a cheque-to-self option on its balance transfer credit cards. With this option, instead of transferring a balance from one account to another, you would request a cheque that you could use to pay off anything.

  But since 1 October 2019, there has been no way to get a cheque-to-self balance transfer in Australia.

Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

Amy's expertise

Amy has written 505 Finder guides across topics including:

• Credit cards
• Frequent flyer
• Credit score
• BNPL
• Money management
• Sustainability