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
❍ Minimum Income Requirement - $25,000
❍ Minimum Age - 18
❍ Additional Cardholders - Up to 4
❍ Additional Cardholder Minimum Age - 16
Manage your Account
❍ Citibank Online
❍ Mobile Banking
❍ CitiPhone banking
❍ 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
❍ Citibank Online
- Automatic Direct Debit (Easi-Pay)
- Funds transfer
❍ CitiPhone Banking
❍ Australia Post
❍ Statement Frequency - Monthly
❍ Statement Delivery - Online e-Statements or by mail
❍ Statement Frequency - Monthly
✓ 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
✓ Citi World Privileges - 26,000 merchants around the world
✓ 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
Cash Advance Rate
Balance Transfer Fee
There is a balance transfer fee of 1.50%.
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
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.
Balance Transfer Offers
0% for 15 months with a revert rate of 21.74% p.a.
Introductory Purchase Rate Offers
Other Special Offers
Reduced annual fee of $49 in the first year, $99 thereafter.
Shopping, Cash, Travel or Accomodation
Points Per Dollar Spent
1 - Capped at 5,000 points/mth
Annual Flights Earned
Value of Rewards
$235.75 after $99 annual fees
Max Interest Free Days
Price guarantee scheme, Partner purchase discounts
Currency Conversion Fee
OS ATM Charges
Est ATM Cost
$14.90 for AU$300 withdrawal
Minimum Credit Limit
Maximum Credit Limit
Security & Protection
Fraudshield®. Emergency card replacement.
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