Citi Rewards Signature Credit Card

Moneybuddy says

The Cit Rewards Signature Credit Card provides exciting rewards and benefits. 0% p.a. on balance transfers for 15 months with a 1% balance transfer fee (converts to cash advance rate). Discounted annual fee of $199 for the first year (reverts to $395). The card also allows for four additional card holders, 55 days interest free on purchases and a $0 supplementary fee. Earn 2 points per dollar for eligible international & selected domestic purchases, with 1.5 points per dollar for domestic such as major petrol outlets, supermarkets and national retailers (1 point per dollar for everywhere else on domestic). Receive a free bottle of wine when you dine at partner restaurants.

The Basics

Card class Visa

Card type Credit card

The cool stuff: features

Reward program Yes

Reward program name Citibank or QantasRewards program

Reward program details Citibank Rewards Program benefits for Signature: 75,000 bonus Citibank reward points. Earn 1.5 Citibank points per $1 spent on purchases in Australia as well as international purchases. A free bottle of award winning wine every time you dine at partner restaurants, with Citibank's Dining Program.Qantas Rewards Program benefits for Signature: 2,000 bonus Qantas Frequent Flyer points every month you spend on your card in the first year. Earn 1 Qantas Frequent Flyer point per $1 spent on eligible purchases (points are automatically transferred to your Qantas Frequent Flyer account each month). Receive a complimentary Priority Pass Membership and two aiprort lounge visits per year. Redeem your Qantas Frequent Flyer points for Classic Award flights on Qantas, Jetstar and participating partner airlines, or for products, experiences and vouchers from the online Qantas Frequent Flyer Store. An annual Citibank Qantas Rewards fee of $49 applies (in addition to the annual card fee).

Reward program terms All rewards are subjected to the Terms and Conditions of the Citibank Rewards Program.

Additional card holder Yes

Add. card holder details Up to 4 additional cardholders at no extra cost (16 years and older)

Purchase security No

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) 6

Balance transfer rate p.a. -

Introductory balance transfer rate p.a. 0%

Interest free days 55 days

Minimum repayment -

Min. credit -

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 No

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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

Introducing the Signature credit card, built on Visa's Signature platform. If you earn above $75,000, the Citibank Signature Credit Card will offer you unique lifestyle experiences, complimentary access to airport lounges in key cities around the world, as well as premium servicing. Enjoy a range of local and global benefits and earn unlimited points each year. Apply now and new cardholders will enjoy a discounted annual fee of $199 for the first year. Apply online now and start enjoying exclusive and global benefits of the Citibank Rewards Credit Card - Signature.

Key features

  • The Signature card is built on Visa's Signature platform
  • 55 day interest free period
  • Annual fee $199 for the first year
  • 0% p.a. for 15 months on balance transfers
  • Receive a free bottle of wine on us every time you dine at hundreds of partner restaurants and pay with your Citi card
  • Travel in style and reward yourself with a complimentary Priority Pass membership with two airport lounge visits per year
  • Complimentary insurance for International Travel

Pros

  • Enjoy a discounted annual fee of $199 in the first year (usually $395)
  • 0% p.a. for 15 months on balance transfers (1% balance transfer fee applies.
  • Redeem reward points for travel, give cards, cash back, merchandise and more
  • Transfer your points for airline frequent flyer programs
  • Complimentary Priority Pass membership with 2 airport lounge visits per year
  • Complimentary international travel insurance.

Terms & conditions

**Important Changes** Please note that there are changes to the Citi Rewards Signature Credit Card earn rate effective 15 June 2017. See Citi’s website for more information. 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. Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $75,000 per year and your credit rating. Visit citibank.com.au for full terms and conditions

 

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