Compare Citi Credit Cards
Compare the latest Citi Credit Card offers. 0% for 28 months on Balance Transfers. 150,000 bonus Qantas Points. 110,000 bonus Velocity Points. Review your existing Citi Credit Card. Get a better deal today.
Updated 15 November 2024
Offers 1 - 10 of 14
Are Citi Rewards or Qantas Frequent Flyer rewards better?
If you take out a Citi loyalty points Credit Card you’ll generally have the option to link it to Qantas Frequent Flyer, Emirates Skywards or Citi Rewards. We look at the pros and cons of each rewards program to help you choose which is right for you.
How do Citi Rewards credit cards work?
The Citi Rewards program is designed to give you flexibility in the way you choose to redeem rewards points. It allows you to accumulate rewards on your everyday purchases and doesn’t cap the number of points you can earn.
You can then spend these points across a range of categories, including Gift cards and Cashback. You can also convert your Citi Rewards points to frequent flyer points with 4 different partners, including Velocity Frequent Flyer, Singapore Airlines Krisflyer, Emirates Skywards, andFlybuys.
The following provides more information about these redemption options:
- Gift cards. You can convert your Citi Rewards points for gift cards through a number of retail partners. These include David Jones, Myer, Harvey Norman, JB HI-FI, Coles, Woolworths, and more.
- Cashback.Citi Rewards has a cashback scheme that offers you $5 in return for every 2,000 points you redeem.
- Airline partners. 4 different frequent flyer programs partner with Citi Rewards offering the following rates of exchange:
- Velocity Frequent Flyer.2.5 Citi Rewards Points = 1 Velocity Point
- Singapore Airlines Krisflyer.3 Citi Rewards Points = 1 Krisflyer Mile
- Emirates Skywards.3 Citi Rewards Points = 1 Emirates Skywards Point
- Flybuys.1.34 Citi Rewards Points = 1 Flybuys Point
Which cards come with Citi Rewards?
Citi offers 3 different cards that come with Citi Rewards. These include the entry-level Citi Rewards card, as well as the Citi Premier and the Citi Prestige. For a higher fee, these offer the opportunity to earn more rewards points, and feature other travel-related benefits.
Summary of the benefits of Citi Rewards cards
| Citi Rewards | Fee$199 | International transaction fee3.4% | Purchase rate22.24% p.a. | Interest free daysup to 44 | Rewards points earned Earn Citi Rewards Points 1point per $1 spent up to $10,000 | Other benefits Complimentary travel insurance | Minimum credit limit$2,000 | |
|---|---|---|---|---|---|---|---|---|
| Citi Premier | Fee$300 | International transaction fee3.4% | Purchase rate22.24% p.a. | Interest free daysup to 44 | Rewards points earned Earn Citi Rewards Points 1point per $1 spent 200,000 annual points cap | Other benefits Complimentary travel insurance | Minimum credit limit$10,000 | |
| Citi Prestige | Fee$700 | International transaction fee3.4% | Purchase rate22.24% p.a. | Interest free daysup to 44 | Rewards points earned Earn Citi Rewards Points 1point per $1 spent | Other benefits Complimentary travel insurance | Minimum credit limit$20,000 |
Current offers on Citi Rewards cards
Citi has the following offers for people taking out a new Citi Rewards card.
Citi Rewards
$99annual fee in first year
$400Luxury Escapes Gift Card
0% p.a. for 15 monthson purchases
0% for 15 monthson balance transfers (2.00% BT fee applies), reverts to 22.24% p.a.
100,000bonus points
$99annual fee in first year
Citi Premier
$150annual fee in first year
$750Luxury Escapes Gift Card
$600cashback
up to 200,000bonus points
$150annual fee in first year
Citi Prestige
250,000bonus points
How do the Citi Qantas Frequent Flyer credit cards work?
As the name suggests when you spend money on your Citi Qantas Frequent Flyer card, you earn Qantas Frequent Flyer Points directly. Points are uncapped and the amount you’ll receive depends on how much you spend.
Qantas Frequent Flyer program is extensive, giving you the opportunity to use points for domestic and international flights and upgrades. You can also redeem points for:
- hotels
- shopping, including gift cards and direct purchases from the Qantas Store
- purchases through Qantas Wine
- Qantas Travel Insurance, and
- hire cars and fuel through BP
Which cards come with Qantas Frequent Flyer?
Citi offers 2 different cards that link to Qantas Frequent Flyer. These include the entry-level Citi Premier Qantas card, as well as the Citi Prestige Qantas. For a higher fee, these offer the opportunity to earn more rewards points, and feature other travel-related benefits.
Summary of Citi Qantas Frequent Flyer Cards
| Citi Premier Qantas | Fee$350 | International transaction fee3.4% | Purchase rate22.24% p.a. | Interest free daysup to 44 | Rewards points earned Earn Qantas Points 0.5points per $1 spent 100,000 annual points cap | Other benefits Complimentary travel insurance | Minimum credit limit$10,000 | |
|---|---|---|---|---|---|---|---|---|
| Citi Prestige Qantas | Fee$749 | International transaction fee3.4% | Purchase rate22.24% p.a. | Interest free daysup to 44 | Rewards points earned Earn Qantas Points 0.5points per $1 spent | Other benefits Complimentary travel insurance | Minimum credit limit$20,000 |
Current offers on Citi Qantas Frequent Flyer cards
Citi has the following offers for people taking out a new Citi Qantas Frequent Flyer card.
Citi Premier Qantas
up to 100,000bonus points
Citi Prestige Qantas
150,000bonus points
Which should you get: Citi Rewards or Qantas Frequent Flyer?
Ultimately, whether you should choose a Citi Rewards or a Citi Qantas Frequent Flyer credit card depends largely on how you intend to redeem the points.
If you’re happy flying Qantas and shopping through its partners, then earning Qantas Frequent Flyer points directly can be a great option.Alternatively, if you’d prefer to fly another airline, then the Citi Rewards card gives you the opportunity to redeem through 4 different frequent flyer loyalty programs schemes (Qantas isn’t one of them).
If cost is a consideration, it’s also worth noting that the Citi Rewards cards tends to be slightly cheaper than the Citi Qantas Frequent Flyer cards. But if you’re earning more points on an airline you’d choose to fly, this probably won’t matter.
Alternatively, if you don’t feel like you’ll get value out of rewards points, a low-cost no-frills card could save you money.
In short…
Both cards offer great rewards programs and the choice ultimately comes down to personal preference.