HomeCredit CardsCitibank › Citi Classic

Rates and fees information correct as of March 1st 2017.

Benefits & Features of the Citibank Citi Classic

Make the most of life. - With the Citi Classic Credit Card, enjoy 0% p.a. for 15 months on balance transfers1, access to our complimentary Citi Rewards Program3, and free wine when you dine with the Citibank Dining Program4.

Benefits of the Citibank Citi Classic

A low introductory rate of 0% p.a. for 15 months on balance transfers1. Cash advance rate after 12 months
1 point per $1 spent on all eligible domestic purchases (up to $5,000 per statement period) and 1 point per $1 spent on all eligible international purchases (uncapped)
A low annual fee of $99
Up to 55 days interest free on purchases
Free wine when you dine with the Citibank Dining Program

Qualification

❍ Minimum Income Requirement - $25,000
❍ Minimum Age - 18
❍ Additional Cardholders - Up to 4
❍ Additional Cardholder Minimum Age - 16

Manage your Account

Accessibility
❍ Citibank Online
❍ Mobile Banking
❍ CitiPhone banking
❍ ATM
❍ EFTPOS
❍ Over the counter
❍ Visa payWave
❍ Worldwide acceptance at over 22 million locations

Online budgeting tool - Track your expenses and control your finances with our online budgeting tool

Citi Alerts - Track your account activity with free SMS and email alerts

Payment Methods
❍ Citibank Online
- Automatic Direct Debit (Easi-Pay)
- Funds transfer
- BPAY
❍ CitiPhone Banking
❍ Australia Post

❍ Statement Frequency - Monthly
❍ Statement Delivery - Online e-Statements or by mail
❍ Statement Frequency - Monthly

Rewards

Complimentary Rewards Program
❍ 1 point per $1 spent on all eligible domestic purchases, up to $5,000 per statement period, and
❍ 1 point per $1 spent on all eligible international purchases (uncapped)3
Voucher, Gift Certificates & Merchandise Rewards
Cash Back Rewards

Privileges

Citi World Privileges - 26,000 merchants around the world

Security

Fraudshield ® - If we detect any irregular transactions on your Account, we will contact you immediately, even if you are overseas (if we have your contact details). All you need to do is call CitiPhone Banking on 13 24 84 and provide your contact details before you travel.

Peace of mind

Complimentary Purchase Cover Insurance - If items are lost, stolen or damaged anywhere in the world within 90 days of purchase on your Classic card, they may be repaired, replaced, rebuilt or reinstated, free of charge if you make a claim within 21 days.

Complimentary Guaranteed Pricing Scheme - Guaranteed Pricing Scheme enables you to receive a refund of the price difference when you purchase in-store and then see the same product advertised at a lower price in a catalogue from a store within 25kms of the store from where the covered products were purchased, you can claim the difference within 60 days if the price difference is greater than $75, up to $500 and the product hasn't been purchased online.

Emergency card replacement

24/7 Customer Service

Optional Credit Account Insurance

Rates and Fees:
Purchase Interest Rate
20.99% p.a.
Cash Advance Rate
21.74% p.a.
Annual Fee
$99
Balance Transfer Fee
There is a balance transfer fee of 1.50%.
Minimum Repayments
You must pay the Minimum Payment Due by the Payment Due Date each month. The Minimum Payment Due is (rounded up to the nearest dollar): i) the Card Balance if it is less than $30; or ii) the greater of: a) $30; or b) 2.00% of Card Balance; or c) the sum of 1.00% of the Card Balance, Late Payment Fee (if any) and interest charged for that month, plus any Monthly Instalment for that month
Late Payment Fee
$10
Special Offers:

Balance Transfer Offers
0% for 15 months with a revert rate of 21.74% p.a.
Introductory Purchase Rate Offers
No offers
Other Special Offers
Reduced annual fee of $49 in the first year, $99 thereafter.

Rewards:
Rewards Available
Shopping, Cash, Travel or Accomodation
Points Per Dollar Spent
1 - Capped at 5,000 points/mth
Partners
N/A
Annual Flights Earned
N/A
Value of Rewards
$235.75 after $99 annual fees
Perks:
Max Interest Free Days
55
Travel Insurance
VIP Treatment
Price guarantee scheme, Partner purchase discounts
Overseas Spending:
Currency Conversion Fee
3.3%
OS ATM Charges
$5
Est ATM Cost
$14.90 for AU$300 withdrawal
Credit Limits:
Minimum Credit Limit
$2,000
Maximum Credit Limit
$100,000
Security:
Security & Protection
Fraudshield®. Emergency card replacement.
Quick Comparison:

The Citibank Citi Classic has the 6th highest interest rate of 20.99% (4 others have the same) and the 29th highest cash advance rate at 21.74% (26 others have the same) compared to 171 other credit cards. 109 cards have a lower annual fee than $99 (12 have the same) and 91 have a lower or the same late payment fee of $10.

From Citibank site:

With the Citi Classic Credit Card, enjoy 0% p.a. for 12 months on balance transfers, access to our complimentary Citi Rewards Program, and free wine when you dine with the Citibank Dining Program.
Download Key Facts Sheet* ⇣Go to Site ⇢

* Key fact sheet is downloaded from Citibank website. (PDF, 75KB)

Apply Online ⇢ Compare Credit Card
About Citibank:

Citibank is the consumer division of financial services multinational Citigroup. Citibank was founded in 1812 as the City Bank of New York, later First National City Bank of New York. The United States is the largest single market with approximately 26% of branches, generating 51% of revenues. Citibank's 983 North American branches are concentrated in major metropolitan areas including New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. Latin America markets make up 25% of revenues, Asia 20%, and Europe / Middle East / Africa 4%.

In addition to standard banking transactions, Citibank markets insurance, credit cards, and investment products. Their online services division is among the most successful in the field, claiming about 15 million users.

More about Citibank from Wikipedia

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