Citibank Citi Credit Card Rewards Program Review

Credit Card Deals

	Interest Rate p.a.	Balance transfer Rate p.a.
Citibank Clear Platinum Card	0% p.a. for 6 months (reverts to 11.99% p.a.) on purchases. 12.99% p.a. from 1 October, 2013	0% p.a. for 6 months
Citibank ReadyCredit	18.99% p.a.	5.9% p.a. for 24 months
Citibank Rewards Credit Card - Platinum Card	20.99% p.a.	1.5% p.a. for 15 months

Overview of the Citibank Citi Rewards Program

If you’re in the market for a great rewards card then take a look at the Citibank Citi rewards program. With a variety of redeemable products available, we think it is the card of choice for collecting points.

Citibank Citi Rewards Program

There a range of different cards that you can choose from when you want to become a part of the Citibank Citi rewards program or Emirates Skywards rewards program.

Earning points

You will receive one point for every dollar you spend using your card. These points can then be redeemed for valuable merchandise, gift cards or flights.

You can also earn bonus points if you hold a Gold or Platinum card. Some magazine subscriptions, real estate agents, retailers and restaurants are bonus partners in the rewards program, which gives you a chance to really earn some extra points.

Citibank Platinum Credit Card

The Citibank Platinum is offering a discounted annual fee for the first year for new applicants. It has the added benefit of rewards with access to Citibank World Privileges.

• $199 p.a. annual fee
• 20.99% p.a. on purchases
• 1.5% p.a. for 15 months on balance transfers
• Cash Advance Rate of 21.74% p.a.
• 55 days interest free
• Minimum Income Requirement of $35,000 p.a.

Read the Citibank Rewards Credit Card – Platinum Card terms and conditions.

Gift cards

There is a wide range of stores where you can redeem your points for gift cards or vouchers. Some of these stores include Target, Myer and David Jones. Vouchers are available for Hyatt hotels and you can get free movie ticket at Hoyts. If you would rather make a donation to a charity there are a number to choose from such as the Starlight Children’s Foundation and Guide Dogs Australia.

Flights

If it’s a flight you need then you can redeem your Citibank Citi rewards points for flights with international airlines through the Citi Take Flight scheme. Airlines such as Virgin Australia, Emirates, British Airways and Qantas Airlines have teamed up with Citibank so that you are able to book both domestic and international flights using your points.

Travel planning

You can use your Citibank Citi rewards points to book accommodation packages or use them for travel vouchers.

Benefits of the Rewards Program

Unlike many other rewards programs, you can use your points in this program along with cash to get that special item. With other programs you may have to wait until you have collected enough points to get your selection, but this program gives you the option of getting it when you want it.

As you can see above, the Citibank Citi rewards program has something for everybody. Choose this card when you’re looking for a wide selection of redeemable products and services.

Image source: Citibank

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			Interest rate (p.a.)	Balance transfer rate (p.a.)	Annual fee	Cash advance rate (p.a.)
	Citibank Rewards Credit Card – Platinum Card	A low balance transfer offer, plus earn Citibank reward points on per $1 spend. Also features complimentary international travel insurance.	20.99% p.a.	1.5% p.a. for 15 months	$199 p.a.	21.74% p.a.
	Citibank Rewards Credit Card – Signature Card	Citibank reward points can be redeemed for airline reward programs including the Qantas Frequent Flyer program.	20.99% p.a.	1.5% p.a. for 15 months	$199 p.a. annual fee for the first year ($395 p.a. thereafter)	21.74% p.a.

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Citibank Credit Cards Deals

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			Interest rate (p.a.)	Balance transfer rate (p.a.)	Annual fee	Cash advance rate (p.a.)
	Citibank Clear Platinum Card	A low rate platinum credit card with a great balance transfer offer.	0% p.a. for 6 months (reverts to 11.99% p.a.) on purchases. 12.99% p.a. from 1 October, 2013	0% p.a. for 6 months	$49 p.a. annual fee for the first year ($99 p.a. thereafter)	0% p.a. for 6 months (reverts to 21.74% p.a.)
	Citibank ReadyCredit	A long term balance transfer offer with no annual fee.	18.99% p.a.	5.9% p.a. for 24 months	$0 p.a.	18.99% p.a.
	Citibank Rewards Credit Card - Platinum Card	Consolidate your debt with a low balance transfer offer and a host of platinum privileges. Earn up to 1.25 Citibank Reward points for every $1 spend.	20.99% p.a.	1.5% p.a. for 15 months	$199 p.a.	21.74% p.a.

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Credit Cards Comparison

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			Interest rate (p.a.)	Balance transfer rate (p.a.)	Annual fee	Cash advance rate (p.a.)
	ANZ Low Rate	A low rate on purchases, balance transfer and a low annual fee.	13.14% p.a.	0% p.a. for 9 months	$58 p.a.	21.49% p.a.
	HSBC Credit Card	No annual fee for the life of the credit card. Plus a low balance transfer offer.	17.99% p.a.	0% p.a. for 6 months	$0 p.a.	21.99% p.a.
	Bankwest Zero Platinum MasterCard	Exclusive Offer to Credit Card Finder. No annual fee credit card with platinum benefits.	17.99% p.a.	0% p.a. for 9 months	$0 p.a.	21.99% p.a.
	Commonwealth Bank Low Rate Credit Card	A low interest rate offer on purchases and balance transfers.	0% p.a. for 5 months (reverts to 12.99% p.a.)	5.99% p.a. for 5 months	$78 p.a. ($48 for qualifying customers)	21.24% p.a.
	ANZ Platinum Credit Card	No annual fee for the first year and a balance transfer offer.	19.39% p.a.	0% p.a. for 9 months	$0 p.a. annual fee for the first year ($87 p.a. thereafter)	20.99% p.a.

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.