Citibank Credit Cards
Citibank credit cards are the most frequently issued credit cards globally. Not only can they offer great low interest offers, but they are also available in a wide range of competitive options to suit your individual spending needs.
Best Citibank Card
With the Citibank Emirates Mastercard not only will you earn 3 Skywards Miles for every dollar spent, but you will also have access to platinum benefits such as complimentary travel insurance and personal concierge service.
- Earn 3 Skywards Miles per AU$1 spent
- Purchase rate of 20.74% p.a.
- 1.9% p.a. for 12 months on balance transfers
- $229 annual fee
- 20.74% p.a. on purchases
- Up to 55 days interest free
Click here to read the Citibank Emirates Platinum Card terms and conditions
Compare Best Citibank 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) | |
|---|---|---|---|---|---|---|---|
|
0% p.a. for 7 months offer as well as a low interest rate on purchases. |
11.49% | 21.24% | 0% for 7 months | $99 | 55 | |
|
New balance transfer deal of 0% p.a. for 7 months, lower annual fee than the platinum |
11.99% for 12 months (reverts to 15.49%) | 21.24% | 0% for 6 months | $65 | 55 | |
|
Long balance transfer offer, with a relatively low interest rate |
20.74% | 21.24% | 2.9% for 12 months | $89 | 55 | |
|
Additional rewards and benefits, shorter balance transfer period but lower interest rate on balance transfer |
20.74% | 21.24% | 1.9% for 12 months | $149 | 55 | |
|
Unique for life balance transfer offer |
20.74% | 21.24% | 3.9% for life months | $125 for first year ($250 after) | 55 | |
|
Good balance transfer offer, 24/7 concierge service and 3 skyward points for every dollar spent |
20.74% | 20.74% | 1.9% for 12 months | $229 | 55 | |
|
First Visa Signature credit card in Australia. |
20.74% | 21.24% | 4.9% for life months | $700 | 55 | |
|
5% back on the first $600 you spend at BP, 0.5% cashback everywhere else you make purchases |
20.89% | 20.89% | 1.9% for 12 months | $79 | 55 | |
|
Complimentary business concierge and international travel insurance, 1.25 reward points for every dollar |
20.49% | 20.99% | 2.9% for 9 months | $74 for first year ($149 after) | 55 |
Choosing Between Citibank Credit Cards
Not all Citibank credit cards are exactly the same. This means that not all cards will be suitable for everyone. Usually this is because we all have different spending needs and requirements.
When you’re searching for the right Citibank credit cards to suit you, keep in mind that your own spending habits will be a factor in which card is right for you.
Rewards Cards
Citibank credit cards offering reward points and bonuses can be ideal for customers with frequent spending patterns, but who also repay their balance at the end of each month. This allows customers to accrue points very quickly that can be redeemed for many great consumer goods and bonuses, including discounts on retail shopping, travel and dining. Customers won’t be paying much interest as their balance is frequently cleared.
Low Interest Credit Cards
If you know you’ll be carrying a balance over from month to month, it’s best to opt for the lowest interest rate you can find. This will help reduce the amount you pay in interest so you’re not being penalized for using your credit card.
Balance Transfer Credit Cards
For customers who already have outstanding balances on other credit cards, the Citibank credit cards offering low interest balance transfers could be ideal. Customers roll their old balances into their new Citibank balance transfer account and enjoy very low interest rates for 6 months.
This low interest rate can save customers a significant amount of money, as they’re no longer being charged high interest on their old accounts. Instead, they’re benefiting from reduced interest rates, which can also mean reduced monthly repayments. This can free up your cash flow, making it easier to pay a little extra down off your outstanding balances and clear up debt fast.
Balance Transfer Discounts for The Life of The Balance
If you believe you won’t be able to repay the amount of your balance transfer before the introductory rate expires, you might want to opt for Citibank credit cards that offer a discounted rate for the life of the transferred balance amount. This can be very beneficial for customers with high debt that needs a long time to repay.
Citibank credit cards offer plenty of options designed to suit different customer’s needs and spending levels, but they also make sure they take care of those customers wanting to reduce debt levels, too. Compare the available options to see which cards suit your needs best.
Editors Choice: Best Credit Card Deals
| 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) | |
|---|---|---|---|---|---|---|---|
|
An excellent balance transfer offer of 1.9% p.a. for 12 months and a standard purchase rate of 12.24% |
12.24% | 17.99% | 1.9% for 12 months | $39 | 0 | |
|
Excellent credit card, with a 0% p.a. for 6 months balance transfer offer, and pay $0 for the life of the card |
16.99% | 20.75% | 0% for 6 months | $0 | 55 | |
|
|
Enjoy 1.9% p.a. for 12 months on balance transfers as well as earn 3 Skywards Miles for every dollar spent, plus all the benefits & privileges of a platinum card. |
20.74% | 20.74% | 1.9% for 12 months | $229 | 55 |