How to Apply for your Citi Rewards Credit Card

Choosing a credit card can be a challenging activity that takes time and research as the current market offers a series of options with different benefits, rewards and rates, which can make the choice even more confusing and complicated, considering the amount of information you can find online. Focusing on savings, flexibility and benefits, in this article we will cover everything you need to know about the Citi Rewards Credit Card, aiming to help you identify the main advantages for you, and if they fit your buying profile. Shall we begin?

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What are the prerequisites to apply for this card?

Like in any other option available in the market, in order to apply for this card, there are some prerequisites you need to meet. First of all, it is important to notice that you need to be 18 years old or more and be a permanent Australian resident to be considered by the bank. Other rules that you need to pay attention include:

• Receive a regular income and be able to prove it;
• Have a good credit card rating;
• Identify yourself with an Australian Driver Licence, passport or Medicare Card;
• Have a mobile phone and an email account so that you can receive communications and information.

Background information about the bank

The Citi Rewards Credit Card is one of the card options offered by the National Australia Bank Limited (NAB), which acquired the consumer business of Citibank (a bank founded more than 200 years ago in the United States) in the Australian market in 2022.

Founded in 1981 in Melbourne, NAB has a large global presence, serving clients not only in Australia, but also in New Zealand and other parts of the world, and covering more than eight and a half million customers. Some of the services offered by the institution include loans and finance, online banking, insurance, among others.

How can I apply for this card and what do I need to do?

Now, applying for the Citi Rewards Credit Card will only take a few minutes, and here are the steps you need to follow in order to do it:

1. First of all, access the credit card website, as you can do everything from the comfort of your home
2. Secondly, read the information available to make sure you understand everything and know exactly what you are doing;
3. After that, click in the blue button that says “Apply now”;
4. Complete all the information requested about yourself and continue your application until all the necessary spaces are completed to submit it.

It will only take about 10 minutes of your time and you can do it wherever you are!

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Advantages, disadvantages and benefits

Are you the type of person who enjoys traveling abroad? Do you like to stay in nice accommodations that match your comfort preferences paying a fair amount? Well, if the answer is yes then you should definitely consider the Citi Rewards Credit Card, for its benefits do fit in your ideals. Here are some of the main advantages offered by this plan:

• 5% off international flights from Australia with Trip.com (with no blackout dates);
• 15% off selected Luxury Escapes hotels with exclusive offers everyday (only up to $250 per booking);
• Complimentary insurance (covering international and domestic flights; rental vehicle excess in Australia; purchase protection and extended warranty)*;
• Complimentary mobile phone insurance (for accidental damage of theft)**.

*Please note that the insurance for international flights is only available for people under 81 years old.
**You must have a contract with a mobile provider plus a monthly automatic billing arrangement in order to be able to use the mobile phone insurance.

Besides traveling and hospitality, other interesting benefits you may find in this card include cashback from different brands and purchases, receiving offers monthly in the Citi Mobile App; $10 monthly cashback with the streaming service BINGE (an offer that ends by the end of October 2025, so you should hurry up if you want to use this benefit); pay with points and receive credit back.

When considering the disadvantages of the card, it is important for the customer to be aware of the following:

• Annual Fees – The card has annual fees that must be paid to maintain its operation.
• Limited Benefits – Discounts and other perks come with restrictions that should be taken into account.
• Insurance Requirements – To use the insurance services, specific criteria must be met.
• Income Verification – Proof of income is required, typically through the submission of payslips.

If you have any other questions, please consider calling the bank: 13 24 84.

What are the fees and conditions of this card?

Understanding the fees and conditions of a card is one of the most important things to do while deciding what card you should choose for yourself. That being said, here are some of the most important facts about the Citi Rewards Credit Card that you must consider before making a choice.

• 0% p.a for the time period of 15 months on purchases and balance transfers, which may be a starting point to help you save your money (2% balance transfer fee applies and balance transfer will revert to the cash advance rate);
• A minimum of $2,000 credit limit and a maximum of $100,000;
• Annual Fee of $199 (Annual Primary Cardholder Fee of $249) and late payment fee of $30 each time the bank does not receive the minimum payment due and overdue amounts by the correct date.

Read more here!

After all, is this card for me?

Overall, the Citi Rewards Credit Card is an option for those who are interested in accumulating points, rewards and benefits focused on travel, accommodation, entertainment and, of course, shopping. Besides that, it also offers the possibility of extra security for both you and your mobile phone.

In order to make the correct choice, consider if this option holds what you are looking for in a card. How does it compare to other options available in the market? Be sure to understand if it fits your financial profile, if it is suitable for you, and if the benefits and fees do match the things you think are important in your daily life.

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