Citi Rewards Platinum Card

Moneybuddy says

Citi's Platinum card offers extensive benefits including free travel insurance. Enjoy a credit limit of up to $100,000. Earn Citi Rewards points faster with 1 Point per $1 spent on eligible Domestic Spend and 1 Point per $1 on eligible International Spend (uncapped). Get 0% p.a. for 24 months on Balance Transfers (with a 1.5% BT fee). The annual fee is also reduced to only $49 for the first 12 months.

The Basics

Card class Visa

Card type Credit card

The cool stuff: features

Reward program Yes

Reward program name Citi Rewards program

Reward program details Domestic: 1 Point per $1 spent on eligible Domestic Spend (up to $10,000 per statement period) and 1 Point per $1 on eligible International Spend (uncapped)

Reward program terms All rewards are subjected to the Terms and Conditions of the Citi Rewards Program. Cash advances do not earn Reward points.

Additional card holder Yes

Add. card holder details Up to 4 additional cardholders at $90 each (16 years and older)

Purchase security Yes

Extended warranty Yes

International travel insurance Yes

Online access Yes

Phone access Yes

The Facts & Figures

Purchase rate p.a. 20.99%

Cash advance rate p.a. 21.74%

Introductory purchase rate p.a. -

Introductory purchase rate period (months) -

Introductory balance transfer period (months) 24

Balance transfer rate p.a. -

Introductory balance transfer rate p.a. 0%

Interest free days 55 days

Minimum repayment -

Min. credit $6,000

Max. credit $100,000

Cash advance limit -

Cash advance limit period

The ugly stuff: fees

Reward program fee -

Late payment fee -

Atm fee -

International transaction fees -

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Warning: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Citi says

The Platinum card - Rewards and recognition. Experience a world of opportunity with the Platinum card built on Visa's Platinum platform. New cardholders will receive a low introductory rate of 0% p.a. for 24 months on balance transfers with a one off 1.5% BT fee (reverts to the cash advance rate). Earn 1 Point per $1 spent on eligible Domestic Spend (up to $10,000 per statement period) and 1 Point per $1 on eligible International Spend (uncapped). With Visa Front Line Access, get your hands on some of the hottest tickets in town before they're released to the general public. Receive a complimentary bottle of wine on us every time you dine at hundreds of partner restaurants and pay with your Citi card.

Key features

  • Complimentary Personalised Rewards program with points that never expire and can be redeemed for almost anything
  • A low 0% p.a. for the first 24 months on balances transferred (1.5% BT fee applies)
  • Access to Citi World Privileges so you can save on shopping, dining and travel worldwide
  • Peace of mind with complimentary travel insurance for you and your family
  • Purchase protection with extended warranty and complimentary purchase cover
  • Optional Credit Card Insurance - protection if you can't make your repayments
  • Annual fee reduced to only $49 for the first year


  • 0% p.a balance transfer rate for up to 24 months (1.5% BT fee applies)
  • Reduced annual fee of $49 for the first year
  • Comprehensive range of benefits
  • Transfer points to Qantas Frequent Flyer
  • Free international travel insurance
  • Extended warranty on eligible products
  • Earn 1 point per $1 spent on eligible Domestic Spend (up to $10,000 per statement period)
  • Reduced annual fee to $49 for the first year
  • Enjoy up to 55 days interest free on your purchases

Terms & conditions

Fees and charges apply. Cards are offered, issued and administered by Citigroup Pty Limited. Terms and conditions apply and are available upon request. Credit Criteria apply. New cards customers only and cannot be used in conjunction with any other offers. Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $35,000 per year and your credit rating. Visit for full terms and conditions.


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