Citi Premier Card Australia 2025, Maximising 100,000 Velocity Points and Premium Lounge Access
Maximise 100,000 Velocity Points and Priority Pass lounge access with the Citi Premier Card Australia 2025, practical Aussie tips to earn faster, offset the annual fee and book smarter flights
Why Aussie travellers should consider this card
The Citi Premier Card is a strong pick for Australians who travel regularly and want to maximise Velocity Points. With a welcome offer of up to 100,000 Velocity Points when you meet the initial spend, it’s designed to fast-track redemptions for flights and upgrades.
Beyond points, the card includes Priority Pass lounge access and travel insurance that suits both domestic hops and international trips. If you value lounge access and travel perks, the Citi Premier Card can quickly pay for itself when used strategically.
How to earn 100,000 Velocity Points quickly
To net the 100,000 Velocity Points bonus, aim to hit the required spend within the promotional period by consolidating planned purchases, bills, and one-off large expenses on the card. Use Citi PayAll for rent or tax payments where possible to accumulate extra points on otherwise unrewarded payments.
Make international or online purchases where the card offers elevated points earn rates, and consider splitting family spending to meet the threshold. Regularly monitor points in your Velocity account to ensure timely transfers and avoid expiry.
Lounge access, insurance and travel conveniences
Lounge access through Priority Pass is one of the headline benefits — handy for Aussies flying out of Sydney, Melbourne or Brisbane and chasing a calm pre-flight space. Two complimentary lounge visits are common with the card, and additional visits can often be paid for at a discounted rate.
Complimentary international and domestic travel insurance gives peace of mind when you book trips using the Citi Premier Card. Other extras like smartphone cover and concierge services add real everyday value, especially for frequent travellers.
Costs, fee offsets and smart redemptions
The annual fee is notable, so offset it by using the card’s high earning rates and the sign-up bonus. Focus on redeeming Velocity Points for peak-value redemptions — long-haul international flights and business-class upgrades typically deliver the best cents-per-point value.
Watch foreign transaction fees and interest rates: if you travel a lot, factor the 3.4% overseas transaction fee into your budgeting or use complementary cards with no FX fees for some purchases. Keep revolver balances low to avoid high interest, and close the loop on minimum spends early to secure the bonus Velocity Points.
