If you’re interested in how the new Platinum card works then here is a quick overview of its features. Bear in mind, these are basic and not outstanding in itself. The card becomes more interesting when you dig deeper into the bowels:

• Yearly card fee of
• Additional cards are $90
• Interest rate
• Cash advance rate
• Up to 55 days interest free shopping

The aim of the new Citibank Rewards Platinum Card is to replace to Citi Platinum Credit Card. For a limited time only you can earn 40,000 free bonus Citibank Rewards Points if you join now.

As with any rewards credit card you may wonder what the big deal is all about. As it happens, with this card you get over $460 worth of value by using this card every year. The secret lies in using it savvy and smart.

Value Added Proof

See how the value adds up when you use your new Citibank Platinum card for shopping.

Earn up to 250,000 Rewards Points Each Year

• Earn 1.25 Citibank Rewards Points for every $1 spent.
• Earn 3 bonus rewards points when shopping overseas (includes online purchases from overseas merchants).
• Earn 3 bonus points when you dine out at participating Dining Rewards partners. You also receive a free bottle of wine.
• Your rewards points are capped at 250,000 each year but they never expire if your account remains open.

Visa Security Protection

• Receive a three months complimentary International Travel Insurance and Complimentary Transit Accident Insurance and get protected against medical expenses, trip cancellations, personal liability and loss or damage to personal items.
• Emergency Card Replacement. Your card will be replaced fast; within 24 hours in Australia and 48 hours while overseas.
• Fraudshield – Get instantly notified if suspicious transactions take place on your account. If you plan an overseas trip make sure to call the bank before you leave home to tell them. Call 13 24 84 and provide your contact details before you travel.
• The Complimentary Purchase Cover Insurance gives you peace of mind for three months. The insurance protects you for accidental damage, card loss, and theft.
• Get additional warranty with the Extended Warranty Insurance and be covered for any personal items you buy with your new Platinum card.

Replacing the current Citi Silver Card, the new Rewards Classic steps into new heights with a number of cool benefits and features.

Tou get rewarded for using your new card frequently and earn points based on where you spend your money and how much. The more you spend, the more you earn and right now you can also earn 15,000 free bonus points for joining during the introductory term.

Expect to be Impressed with the New Citibank Classic Card

The new Citibank Classic Rewards Credit Card is offering consumers a range of impressive features and better still, benefits. Aside from the freebie points you can earn now you can ramp up your points earning power with spending. All up you can collect up to 60,000 points in the rewards program each year before it gets capped.

As long you keep your account open they will not expire.

Move Your Balance for a Low

If you currently struggle with credit card debt then moving your existing balance to this new card could help you clean up your debt. However, in doing so you can only get ahead if you pay off the total debt BEFORE you even think about using your Citibank Classic Rewards Card for any new purchase.

Read the terms if you are unsure of how this works.

Earn Rewards by Spending

Earning rewards points with the new Classic Card is easy. For every dollar you spend you earn one Citibank Rewards Point.

• Your points remain active as long as your account does.
• The Citibank Take Flight travel booking service saves you frustration and hours spent looking for a great deal for your next business trip or holiday. It’s like having a personal travel concierge who takes care of your arrangements.
• Use your accumulated points for hotel accommodation and flight bookings.
• Earn points faster thanks to Citibank’s partner program.
• Get an extra 3 bonus rewards points for every dollar you spend at participating Citibank Dining Program partners. Plus you also get a free bottle of wine.

What You Can Earn:

Features of the new Citibank Classic Rewards Card

The following features give you a quick glance of what to expect:

• The standard interest rate is
• Benefit from a low annual card fee of
• Additional cards are $15
• Up to 55 interest free days on new purchases
• Apply of a maximum of 4 additional cards

Visa Card Security

As is standard with Visa credit cards you can enjoy full peace of mind with this credit card. Whether you shop in store, on the phone or online, the Visa Insurance and Fraud protection suite offers you ample cover and protection against theft, fraud and much more.

• Be protected by their Complimentary Purchase Cover Insurance. This cover gives you three complimentary months of insurance. You will be protected against: theft, accidental damage for purchases made with your new card, and card loss.
• Fraudshield – If Citibank detects irregular transactions on your account, they will call you on the phone right away. The same applies for when you are on a holiday overseas. Therefore it’s important to always let your bank know if you intend to travel and leave a contact phone number. You can contact them by calling CitiPhone Banking on 13 24 84 and provide your contact details before you travel.
• Emergency Card Replacement –  If your card is lost or stolen you get a replacement card within 24 hours if you are in Australia and within 48 hours if you are overseas.

With that name comes the benefit of a wide array of cards that suit your personal needs.

Benefits of all Citibank credit cards

• Up to 55 interest free days
• Up to 4 additional cardholders
• Citi World Privileges
• Free Fraudshield protection
• Emergency replacement card
• Accepted at over 22 million locations worldwide
• Personal customer service anywhere in the world, anytime day or night

Citibank credit cards with complimentary rewards programs

• Citibank Platinum – This card comes with exclusive benefits and a complimentary rewards program as well as 24 hour concierge service and high credit limits. Right now it also has a balance transfer deal of only 4.9% for the life of the balances transferred.
• Citibank Gold – The Gold Citibank credit cards also have high credit limits as well as international travel insurance and purchase cover. It comes with a 1.9% interest rate on balance transfers for nine months.
• Citibank Silver – With the Silver card you get a free rewards program and low annual fees which add up to big savings. The balance transfer rate is only 2.9% for one full year.

Citibank credit cards for low rates

• Citibank Clear – The purchase interest rate on this card is 15.49% and the balance transfer deal gives you a rate of only 2.9% for six months.
• Citibank Clear Platinum – The nearly free balance transfer rate on this Platinum choice is just .99% for six months. It also has a purchase rate of 11.49% and a low annual fee of $99, one of the cards that gives you the most bang for your buck.

Citibank credit cards for cash

• BP-Citi MasterCard – You can earn cashback on regular purchases as well petrol transactions with this credit card. All you have to do is swipe your card and the savings is credited to your monthly statement.
• Citibank Cash Back – This card gives you 1% cashback for every purchase or anytime you pay a bill with your card. Cash is king and you will have more of it in your pocket with this card.

If travel is your thing, there is a Citibank credit card for you too. The Emirates Citi Platinum Credit Card gives you luxury benefits like a free chauffeur ride to and from the airport once a year when you fly Emirates. You also earn Skywards Miles whenever you book flights with your card on Emirates or their partner airlines.

Business customers can take advantage of the great offers from Citibank credit card too with their CitiBusiness Gold card. Businesses get access to high credit limits and a personalised rewards program.

Take advantage of all that Citibank credit cards have to offer. Find the one that is right for you and apply for it today.

Citi has introduced what it calls the Visa Signature program in order to meet the needs of those special customers who like to travel and taste the finer things in life.

With this card they can do travel and have first class experiences by using their rewards and at the best possible rates. A card like this requires a bit of an investment in the form of a hefty annual fee. At a year just to own the card you can expect to get excellent service and benefits, the Citi Select card does not disappoint.

One of the things that high earners enjoy the most is travelling. They want to travel often, travel well, and travel on their own terms. The Citi Select Credit Card is intended to meet all of these desires through its reward program. To begin with cardholders earn points at a rate of two for every dollar that they spend.

They can earn an unlimited number of points and save them up for an unlimited amount of time since they have no expiration date. The points can then be used with any of Citi’s many travel, hotel, and airline partners.

Those customers who prefer it can enrol in the Citi Qantas rewards program and have all of their points automatically deposited in their Qantas Frequent Flyer account. Of course, as you travel you will want to enjoy other luxurious benefits too, like the use of more then 600 VIP airport lounges all over the world. Access to these lounges is available for all cardholders, regardless of what airline they are travelling on or what class their ticket.

Whether you are away from home or right here in Australia you will also gain access to luxury experiences with the Visa Bespoke Event Program. Cardholders can count on getting the very best seats in the house and having each experience tailored to their tastes and desires.

The other exciting reward that is offered from the Citi Select Credit Card is access to preferred rates. Should you need to get a home loan or make a term deposit you will get the best rates available through CitiBank.

In addition, cardholders have access to Citigold financial advisers to help them make important financial choices. With benefits like this, it is easy to see how the Citi Select card is perfect for your luxury lifestyle.

Instead, there is the Citibank BP MasterCard which doesn’t require you to collect discount dockets to qualify you for discounted fuel, and doesn’t accumulate rewards points, just cash backs, credited directly to your account.

Features of the Citibank BP MasterCard Credit Card

• A 5.00% cash back at BP service stations. For the first $600 you spend each month at BP, you will receive 5.00% credited back to your account. This applies to fuel and anything you buy at the service station.
• A 0.50% cash back on all other credit card purchases. Other credit cards may accumulate rewards points when you pay your bills or buy your groceries, but how many cards credit you back a portion of each transaction amount? You can take advantage of the Citibank BP MasterCard cash back deal on the first $5,000 you spend each month so you can save wherever you spend, online, over the phone or in person.
• Cash backs are calculated within the statement period. Your BP and general spending cash backs are calculated within the monthly statement period. On the first day of the next statement period your cash back amount will be credited to your account and can go towards an outstanding balance you hold on your card, or remain in reserve for new purchases that month. Keep in mind that your cash back benefits are forfeited if your account is suspended, and of course if it’s closed.
• Worldwide acceptance and World Privileges. You can use your Citibank MasterCard with confidence around the world and at home without running into acceptance issues. Your Citibank BP MasterCard also includes the Citibank World Privileges offers which entitle you to up to 25% discount on shopping, dining and travel in Australia and around the world.
• A 55 day interest free period. Not available on balance transfers or cash advances, and applicable only if you pay your balance down to zero each month, you can enjoy a 55 day interest free period to avoid the purchase and cash advance rate. This allows you to enjoy the best deals on cash backs credited directly to your account, and you can even avoid paying interest all together.
• A low annual fee. On the Citibank BP MasterCard deal, you will be charged an affordable annual fee for your card, and just $30 a year for an additional card holder.
• A month balance transfer offer of % interest. A month balance transfer offer gives you the best chance at repaying your balance with plenty of room to move. You can avoid high interest charges, saving you thousands of dollars in interest in just one year, and you can take control of your credit card debt. Once you have repaid your balance, you can enjoy the best deals on discounted fuel, and discounted purchases.

How to Apply for the Citibank BP MasterCard

If you would rather collect cash than collect dockets, the Citibank BP MasterCard could be the one for you. You can start your online application now and start savings on all of your purchases and bills if:

• You are 18 years or older.
• You earn $20,000 a year or more.
• You are a permanent Australian resident.
• You have a good credit rating.
• You can choose a credit rating up to $25,000. The credit rating you are assigned depends on your application details, however you can have up to $25,000 available credit to earn cash backs and discounts every time you use your card.

Features of the Citibank Emirates MasterCard Credit Card

The Emirates Citibank Platinum MasterCard is linked to the airline’s frequent flyer program – Skyward Miles. However, as well as earning points towards your flights when you use your Citibank Emirates Platinum credit card, you’ll also get a great deal when you travel and when you spend on your card for everyday purchases too. Consider whether the features of the Emirates Citibank Platinum credit card are best for your local and international needs:

• Earn 4 Skyward Miles points for every dollar spent. You can accumulate Skyward Miles points very quickly if you just concentrate on using your Citibank Emirates Platinum card for your bills, everyday purchases and incidental expenses each month, while you leave your wages in a separate account ready to pay off your balance. Your Skyward Miles points are automatically transferred to your Skywards account at the end of each statement period and can be used to redeem flights on international or domestic airlines partnered with Emirates.
• Free chauffeur service to and from the airport in Australia or internationally. If you book your business or first class flights on Emirates using your Citibank Emirates Platinum card you can enjoy a chauffeur ride to and from the airport every time you fly. If you fly economy class, you don’t miss out because you can enjoy a chauffeur ride once a year when you fly economy on a non Trans-Tasman flight. Your chauffeur driven car can take up to four passengers.
• Access to Emirates luxury airport lounges in Australia and Dubai. You and a guest can enjoy a relaxing or rejuvenating visit to the Emirates lounges in Australian airports, or the Marhaba lounge in the Dubai airport no matter which class you are flying. Two children under 12 can also join you and additional passes to the lounges can be purchased at the door.
• Earn and redeem Skyward Miles for domestic travel. You can use your Skyward points to redeem flights on Virgin Blue’s domestic flights, and you can also earn points when you spend with Virgin Blue and other domestic Emirates partners.
• Cover for you and your purchases. When you travel you and your family will be covered by full international travel insurance, plus if purchases you make on your Emirates Citibank Platinum MasterCard are lost, stolen or damaged within 90 days they can be repaired or replaced.
• You qualify for indulgent flights. If you think you will feel restricted to fly one airline with the Emirates Citibank Platinum card you are realistically unlikely to make any other choice. The Emirates flee is modern and up to date, with private suites in first class, lie flat seats in business class and ergonomic seating in economy. Plus in all Emirates classes you can view over 1,000 in flight entertainment channels.
• One interest rate. The Citibank Emirates Platinum credit card has the same interest rate for purchases and cash advances so you don’t have to keep track of your different interest rates or repay a higher earning balance sooner.
• A competitive annual fee of . Additional card holders can be added for an annual fee of just $90 and if you make use of all of the rewards, benefits and extras of an Emirates Citibank Platinum card, the annual fee will more than pay for itself. After all, you wouldn’t choose to sign up for the card if you didn’t think you would have the opportunity to enjoy all of its features.
• Balance transfer rate of . Paying off your existing credit card before you apply for a Citibank Emirates Platinum card will help you remain in control of your credit card debt. When you make a balance transfer card, you can use the Emirates Citibank Platinum card to repay your debt quickly, avoiding more interest payments, and then be ready to enjoy all of the benefits of your new Platinum card without an unmanageable debt hanging over you.

How to Apply for an Emirates Citibank Platinum Credit Card

If you’ve been won over by the great deals on rewards and travel, and you are sure you can choose a credit limit and repayment schedule to fit responsibly within your budget, then you want to know how to apply for a Citibank Emirates Platinum credit card or balance transfer:

• You must be eligible to apply. For your application to be considered you will need to be 18 years or older, be an Australian resident, with a good credit rating and a taxable income of more than $50,000.
• Follow the secure link and apply in minutes. Since you’re already online, an online application will take just a few more minutes of your time as you enter your personal details, your identification information, your income and expenses and details of any other credit cards. Your application for a Citibank Emirates Platinum card can take up to 15 days to be processed as your information is verified, but once you have completed the secure online form you don’t have to do any more.

To apply now for a great deal on local and international flights and extras, follow our secure link. if you would like to compare some of the best deals on other frequent flyer, platinum or reward cards, view our comparison tables here for more information.

Features of the Citibank CitiBusiness Visa Credit Card

When you compare the best deals on business credit cards, you want to choose a deal which is both rewarding and easy to use and a Citibank CitiBusiness Visa card works hard to earn you rewards points and is always there when you need it. Features of the Citibank CitiBusiness card to consider when comparing credit card deals include:

• Extra rewards points for every dollar you spend. The Citibank CitiBusiness credit card will earn you 1.25 points for every one dollar that you spend, and your points never expire as long as your account is open. You won’t earn rewards points on cash advance amounts, but your business credit card will work hard to go above and beyond your everyday business expenses and spending to reward you for your hard work.
• Rewards points can be redeemed for Frequent Flyer points. One Citibank CitiBusiness reward point can be redeemed for one Frequent Flyer point so you can enjoy business trips, a company retreat or a well deserved break just for spending on credit.
• Free travel insurance and 24/7 service. Your business credit card will look after you no matter where you are in the world and if you purchase your tickets using your CitiBusiness credit card you will enjoy full travel insurance coverage for free. You’ll also have access to the Citibank Business Concierge Service 24 hours a day, seven days a week from anywhere in the world, when you need help or information about your account.
• Up to 99 additional card holders. With the CitiBusiness credit card you can track your own business expenses and allow all of your staff to use a business credit card too. Your team won’t need to wait to be reimbursed for their business transactions and you and your staff will never miss out on a business opportunity because of cash flow restrictions.
• Up to $60,000 credit limit. The limit which is approved on your business credit card depends on your financial situation, but you have the freedom to make business purchases big or small while you wait for a tardy client to pay, or a cheque to clear.
• Choose credit card insurance. You also have the option to add credit card insurance to protect your business, your business credit rating and your own credit rating if you can’t meet your payments.
• A day interest free period to avoid charges. Your purchase rate will be and your cash advance rate will be so you may be glad of the 55 interest free days you have to repay your balance down to zero. You can spend on your business during the interest free period, and use the payments from customers which come in during the month to repay your balance before the interest free period expires.
• A annual fee. Each additional card will be charged just $30 a year.
• A month balance transfer deal with a % interest rate. If you already have a bit of bad debt you’d like to clear, take advantage of the Citibank CitiBusiness balance transfer deal, available until 30 June 2010. You will be charged just % interest on your transferred balance for nine months, giving you time to get control of your debt.

How to Apply for the Citibank CitiBusiness Credit Card

Applying for the Citibank CitiBusiness Visa card is as simple as using it and you just need to follow a few simple steps, if you meet the eligibility requirements:

• To be eligible for the Citibank CitiBusiness credit card deal: you must be over 18 years old, be an Australian resident, have a good credit rating, and have a taxable income of at least $35,000.
• Apply online. Follow our secure link directly to the Citibank online application form, if you have decided that the CitiBusiness gold card offers you the best deal. The application will take just ten minutes.
• Receive a response in 60 seconds. You will know right away whether your application has been approved or not so you can start making arrangements for additional card holders or to move funds from other accounts. Keep in mind that your application will still take around 15 working days to be processed fully, before your account is activated.

When you are choosing the best deal on a platinum credit card, you will be much more interested in the rewards you can be getting if you are going to be charging hundreds of thousands of dollars to your card each year. The Citibank Platinum card offers you rewards for being a big spender, and easy ways to reap those rewards too.

Features of the Citibank Rewards Credit Card – Platinum Card

The Citibank Rewards Credit Card – Platinum Card applies the same purchase interest rate and cash advance rate as their Silver and Gold cards, however if you qualify for a Platinum card you will also be eligible for more rewards, more coverage and more personalised services. Features and offers from the Citibank Rewards Credit Card – Platinum Card include:

• Free travel insurance included. If you are travelling alone or with your family, make sure you purchase your tickets using your Citibank Rewards Credit Card – Platinum Card to qualify for a great deal on travel insurance. Not only are you and your family covered for no extra cost to anywhere in the world, but you’re also covered for all your medical expenses, unforseen costs, cancelled flights, personal loss and personal liability.
• Personalised rewards program. With your Platinum rewards program, Citibank will allow you to redeem your points on the rewards of your dreams and whether you convert them into flights, vouchers, hotel escapes or holiday adventures.
• Exclusive offers and privileges. When you use your Platinum card to shop online or eat out, go to the movies, book a holiday or just about any reason you have to use your card – you can enjoy exclusive extras, and you can also have access to VIP seating at events, up to 25% off wine specials and extra benefits which can make sure you feel looked after and pampered no matter where you go in the world.
• A 24 hour, seven day a week call centre. As a Platinum card holder you will be able to enjoy the Citibank concierge service which is a 24/7 call centre where you can call and speak to a real person any time of the day or night, from anywhere in the world.
• A annual fee and $90 for an additional card holder. A annual fee is very competitive when you compare it to other gold and platinum cards on offer. So too is a $90 fee for additional card holders who enjoy all of the same benefits, and whose spending can help you accumulate even more rewards points.
• A interest rate and interest free days. Interest free days give you the opportunity to stay in control of your balance because you continue to repay just your purchases, without adding compounding interest into your expenses each month.
• A balance transfer offer of . A for life balance transfer offer means your balance will earn a low % interest rate for as long as it take you to repay. This makes a for life balance transfer perfect for you if you have a number of cards to repay or a high balance to pay down because you can take all the time you need.

How to Apply for a Citibank Rewards Credit Card – Platinum Card

If the benefits and rewards of a Citibank Rewards Credit Card – Platinum Card sound like a great deal to you, and the credit limit and interest rate are manageable for your budget and financial situation, then you can apply as easily as:

• Meeting the minimum eligibility requirements. You must have an annual before tax income of $50,000, be over 18 years old, be an Australian resident and have a good credit rating to apply for a Platinum card from Citibank.
• Choose a credit limit up to $100,000. Depending on the personal information you enter into your application regarding your income, expenses and other debt commitments you may be able to choose a credit limit, or Citibank may assign you a limit based on what they believe you can repay responsibly.
• Complete an online application in less than 10 minutes. You’ll already have most of the information you need handy to complete your application such as your driver’s license number, your employer’s contact details and the balances of other credit cards. You may need to refer to your budget for a total of your monthly expenses, but this will give you a chance to review your financial situation before applying too.

Features of the Citibank Gold Card

The appeal of a gold card such as the one offered by Citibank goes far beyond the look and impression you can make when you use it. The Citibank Gold card offers exclusive rewards and benefits for gold card holders and their families and a flexible credit limit if you meet the eligibility requirements.

Features and benefits of the Citibank Gold

• Free international travel insurance for you and your family. When you buy your plane tickets using your Citibank Gold credit card you and your family will all be covered by extensive travel insurance no matter where you are headed. You and your family will be covered for medical expenses, cancelled flights, personal liability, and loss or damaged personal items.
• A point for dollar rewards program. Using your Citibank Gold card you will earn one point for every dollar you spend, excluding balance transfers and cash advances. You can redeem these points for gift vouchers, merchandise and you can even convert them to Qantas Frequent Flyer points, and your points never expire.
• Bonus points available for gold card holders. With a Citibank Gold card you are eligible for bonus rewards points at participating outlets and retailers. In some cases you can earn as many as 4.25 reward points for every dollar spent. Plus, if your spending qualifies you, you can continue to earn bonus points on your purchases with ongoing admission to the rewards program.
• World Privileges. On the Citibank Gold card you can still enjoy the same rewards of the World Privileges deals such as discounts, vouchers and exclusive access to restaurants, stores, travel deals and accommodation around Australia and around the world.
• A interest rate with 55 interest free days to pay. Securing interest free days on any credit card is a good deal because you can make purchases and repay them before you have to worry about interest charges bogging down your balance. Therefore, you want to choose the card with the best interest free period and a 55 day interest free period gives you almost two months to repay purchases you make on your card before you have to be concerned about interest charges. This gives you the opportunity to spend on your card while your wages for the month accrue interest in a savings account, before repaying your credit card balance at the end of the month – earning good interest and avoiding the bad.
• A annual fee and $30 for additional card holders. In exchange for the benefits of a Citibank Gold card, you are being charged a higher annual fee compared with their other cards on offer – however, you are getting higher rewards points and more inclusive features. Plus, you can add an additional card holder who can also enjoy all of those benefits for just $30 a year.
• A balance transfer offer of . A % interest rate can give you the chance to get on top of your credit card debt if you have a card which is out of control. Plus, you have a relatively short period of time to encourage you to channel as much money as you can into repaying your debt, especially since the interest rate after the balance transfer period reverts to Citibank’s cash advance rate of on any balance remaining.

How to Apply for a Citibank Gold Card

Applying for a gold card is a decision you should not rush into because the tempting rewards and inclusive extras can distract you from the higher annual fee, the higher interest rate and the higher credit limit. Therefore, before you apply for a Citibank Gold card, make sure you can afford it, and are prepared for your obligations:

• Budget for your credit limit, there is $25,000 on offer. A $25,000 credit limit is a lot for a personal credit card especially since earning the average wage of $35,000 a year which can get you accepted for a gold card, will not be enough to repay that credit limit responsibly. Instead, create a budget of what you can afford to repay each month and be aware that if you let your balance remain unpaid, it will attract interest and your new purchases will no longer be eligible for interest free days. As a result, you will be paying more and more each month as your interest compounds and that is how people get into bad debt.
• Choose between MasterCard or Visa. In Australia it is difficult to find a store, restaurant or hotel who will accept one and not the other, MasterCard and Visa are just about equal in their acceptance here. However, if you are planning to travel, consider the card you already have in your wallet to create a broader merchant base – for example, if you already have a Visa card issued from another provider, choose a Citibank Gold MasterCard so you have one of each. The features, security and protection you get from a Visa or a MasterCard are almost identical too, and the features, fees and interest rates are all set by your provider Citibank, not the merchant MasterCard or Visa.
• To apply for a Citibank Gold card you must meet the eligibility criteria. You must be 18 years or older, earn over $35,000 before tax, be an Australian resident and have a good credit rating. Your personal details, your age, your earnings, your monthly expenses and your existing credit card debt will all contribute to the credit limit you are allowed.

Features of the Citibank Rewards Credit Card – Classic Card

As you compare the different deals offered by credit card companies, you need to compare the features based on whether they are the best for your needs. The interest rate and credit limit which are best for you, may not be those advertised over and over on TV, but are those which offer the best complete deal for your needs. Therefore, consider all of the following features of the Citibank Rewards Credit Card – Classic Card:

• A free rewards program. Included automatically with your Citibank Rewards Credit Card – Classic Card is a rewards program which earns you one point for every one dollar you earn – the best part is that your points will never expire as long as you hold your account. You can redeem your points for gift cards, merchandise, travel and much more, but you do not earn points on balance transfers or cash advances.
• Redeem your points in the Take Flight program. You can use two of your Citibank Silver rewards points to redeem as one Qantas Frequent Flyer point and enjoy discounted flights and cash back on the travel you purchase on your credit card. Your cash back will be applied to your balance on your next statement and you can top up your rewards points with cash to fly away sooner.
• World Privileges. This is a program exclusive to Citibank and has thousands of deals on offer for discounted travel and accommodation, as well as packages and meals around Australia and the world, just for holding and using a Citibank Rewards Credit Card – Classic Card.
• Free cover on your purchases for 90 days. Included with your Citibank Rewards Credit Card – Classic Card deal is purchase protection if personal purchases you make on your card are lost, stolen or damaged within 90 days, they will be repaired or replaced.
• Extensive extra security. You can choose to take advantage of the PhotoCard security feature of your Citibank Rewards Credit Card – Classic Card by personalising your card with your photo, which is matched to you when you use your card in person. You can also add a digital signature, and benefit from Fraudshield which see Citibank checking regularly for unusual activity on your card, to detect fraudulent use before it ruins your credit rating.
• A interest rate and 55 days to avoid it. While the interest rate is higher than you will find on most other card, the Citibank Rewards Credit Card – Classic Card also offers you a range of rewarding and inclusive features, plus gives you the opportunity to avoid paying interest at all, if you take advantage of the 55 interest free days. If you pay your balance back to zero within the 55 interest free days, you won’t pay any interest, and will continue to qualify for interest free days – so it doesn’t really matter what the rate on the card is.
• A low annual fee and an even lower fee for additional card holders. The annual fee on the Citibank Rewards Credit Card – Classic Card is , and for an additional card holder, you pay an additional $15 a year for their card, on which they enjoy all the same privileges, features and rewards.
• A balance transfer offer of . If you qualify for a balance transfer you can enjoy a low interest rate for a whole year to help you control your debt. Then after your debt is paid off in the first year, you can go on to enjoy all of the benefits of using a Citibank Rewards Credit Card – Classic Card. Just make sure you repay your transferred balance within 12 months, because the 2.90% interest rate will revert to the card’s cash advance rate of interest.

How to Apply for the Citibank Rewards Credit Card – Classic Card

If you think the features and benefits of the Citibank Rewards Credit Card – Classic Card sound like the best deal for you, find out more about how to apply today and start enjoying those rewards:

• To be eligible for the Citibank Rewards Credit Card – Classic Card you must: be over 18 years old, earn a before tax income of at least $20,000 and be an Australian resident with a good credit rating.
• You have the choice of Visa or MasterCard. Not many credit card providers will offer you this choice, but when you apply for a Citibank Rewards Credit Card – Classic Card this is the first decision you will have to make. The rewards, the fees and the interest rate are all set but the provider – Citibank – MasterCard and Visa are simply the merchants who process the transactions for the providers, and for you. both Visa and MasterCard have added online purchase security and extensive fraud and purchase protection, so the decision could be as simple as – which card do you already have one of? Do you want to even out a MasterCard-heavy wallet with a Visa card, or visa-versa?
• Start an online application today…and finish it just 10 minutes later. Completing an online application form for a Citibank Rewards Credit Card – Classic Card is as simple as following our secure link and entering your personal details, those of a personal reference, and providing details of your income and expenses to prove you can afford to meet your obligations. Citibank will then verify your details and give you a response right away.