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Citibank Personal Credit Card – Details and Application
Posted May 11th, 2008
and last modified March 10th, 2010
Best Card for Debt Consolidation
The Citibank Platinum Card offers a great rewards program, combined with a 4.9% balance transfer for life. The great thing is this card allows you to transfer non-Citibank personal loans, as well as existing credit card debt and store card balances.
- $250 annual fee
- 20.49% p.a. on purchases
- 20.99% p.a. on cash advances
- 4.9% p.a. for life on balance transfers
Citibank Personal Credit lets you consolidate your debts with a great balance transfer offer AND have the option to spend at an equally attractive rate.
- 7.9% p.a.* for LIFE on balances you transfer from non-Citibank credit cards, store cards and personal loans.
- SAVE with a low ongoing interest rate of 14.99% p.a.
- 14.99% p.a. on ANY purchases and cash advances.
- SAVE with no everyday transactional fees at over 1,700 ATM’s in Australia*.
- NO transaction, ATM/EFTPOS or cash advance fees so even more money stays in your pocket.
- With $5,000 to $25,000 to use on whatever you want, Personal Credit gives you the flexibility to repay and re-borrow funds.
- Use at ATMs, and to purchase in store, online and over the phone. A chequebook is also available on request.
Uses of this credit card
- Consolidate your debts – save on interest by consolidating your debts from higher interest accounts into the one handy Personal Credit account.
- Obtain cash – from any ATM in Australia without any ATM or cash advance fees, and worldwide acceptance at over 820,000 ATMs.
- Pay for expenses – use your Citicard to EFTPOS your everyday expenses such as groceries and petrol.
- Write cheques – pay for expenses such as school fees and tradespeople, when only a cheque is accepted.
- Pay for large purchases – such as cars, whitegoods, furniture, computers and renovations.
- Finance your holiday – pay for a much needed break, weekend away or holiday (remember – traveling overseas has never been easier with no cash advance fees#).
- Have emergency funds – relax knowing that cash is available at your finger tips in the event of an emergency.
- *Applies to Citibank and Westpac ATM’s.
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- Citibank Platinum Credit Card – Details and Application
- Citibank ‘CitiBusiness’ Business Credit Card – Details & Application
- Citibank Emirates Platinum Card – Details & Application
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Editor's Choice: Our Top Credit Cards
| Credit Card | Card Details | Interest Rate (p.a.) | Cash Advance Rate (p.a.) | Balance Transfer Rate (p.a.) | Annual fee | Interest free days (up to) | |
|---|---|---|---|---|---|---|---|
 St George Vertigo |
 Editor's Choice:Low Interest Low 2.99% for 6 months (reverts to 11.99%) p.a. interest rate and balance transfer rate, from one of Australia's most respected banks. |
2.99% for 6 months (reverts to 11.99%) | 20.74% | 2.99% for 6 months | $55 | 55 |   |
 Coles Group Source MasterCard | The Coles Group Source MasterCard has no annual fee, a 0% p.a. balance transfer offer for 6 months, with a rewards program including savings on fuel and FlyBuys Points | 19.74% | 21.99% | 0% for 6 months | $0 | 62 | |
 Bankwest Zero Platinum MasterCard |
Editor's Choice: No Annual Fee Excellent introductory offer with a $0 annual fee for the life of the credit card and a 1.99% p.a. for 9 months on balance transfers |
16.99% | 16.99% | 1.99% for 9 months | $0 | 55 | |
January 13th, 2009 at 8:34 am
Do be aware of this card that when they do make the payments to pay off other credit cards for you, they pay by cheque only and take up to 10 working days so if you are working to a date line of when one runs out on a 0% interest leave plenty of time for the transfer