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Citi Premier Credit Card

The Citi Premier Credit Card offers up to 150,000 bonus Citi Rewards Points, or $600 cashback, or $750 Luxury Escapes Gift Card. Ongoing benefits include Citi Rewards Points earned on eligible purchases, and complimentary travel insurance.


Updated 14 April 2025


Fact checked and verified. Updated 14 April 2025
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Expert Review

The Citi Premier credit card is one of Citi's premium Citi Rewards products. Featuring a competitive points earn rate, the card provides premium features such as insurances. Further, the product has a $300 annual fee, including up to 44 interest free days.

Considering its key features, this card is most suitable to someone who wishes to be rewarded for their spend. Other benefits include Overseas Travel and Medical Insurance which is similar to equivalent products and no additional cardholder fees.

This Citi Premier credit card currently features a choice of three introductory offers.

Offer 1: Bonus Points.
For a limited time the Citi Premier credit card has a bonus Citi Rewards Points offer, where you could receive 120,000 bonus Citi Rewards Points in the first year and 30,000 bonus Citi Rewards Points in the second year. To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.
Offer 2: $600 cashback.
For a limited time the Citi Premier credit card has a $600 cashback offer. To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.
Offer 3: $750 Luxury Escapes Gift Card and discounted Annual Fee in first year.
For a limited time the Citi Premier credit card has a $750 Luxury Escapes Gift Card offer. In addition, the product also has a $150 annual fee in first year, which is a saving of $150 from the standard fee of $300. To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.

Product Details
Step into a world of greater rewards with the Citi Premier credit card."
- Citi
Rewards

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Earn Citi Rewards Points

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1point per $1 spent

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200,000 annual points cap

Fees
Account Fees

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$300 annual account fee

Additional Cardholder Fees

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No additional cardholder fee

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Up to 4 additional cardholders

Transaction Fees

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3.40% international transaction fee

Other fees may apply.

Rates

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21.49% p.a. variable purchase rate

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22.99% p.a. variable cash advance rate

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Up to 44 interest free days on purchases

Features
Insurance

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Guaranteed Pricing Scheme

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Purchase Cover Insurance

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Extended Warranty Insurance

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International Travel Insurance

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Transit Accident Insurance

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Interstate Flight Inconvenience

Offers
Bonus Points Offer

up to 150,000bonus points

120,000 bonus points in year 1 + 30,000 bonus points in year 2.
Cash Back Offer

$600cashback

Cash Back Offer

$150annual fee in first year

$750Luxury Escapes Gift Card

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TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the Citi website.

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^ Credit card reward programs can be difficult to compare due to tiered and capped points earn rate structures. To simplify comparison, we estimate the number of points you could earn per $1 spent, assuming $5,000 of spend on eligible purchases each month.
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