Maximise Rewards with Citi Rewards Card Australia, 0% for 15 Months and 1 Point per $1 Spent

Why the Citi Rewards Card suits Australians

The Citi Rewards Card is a strong pick for Australians who want travel perks and day-to-day value. Earning 1 point per $1 spent on eligible purchases and the ability to transfer points to Velocity Frequent Flyer makes this card practical for frequent travellers and regular shoppers alike.

With an Australian focus on convenience, the card supports Apple Pay and Google Pay, and offers mobile phone insurance and purchase protection. For households trying to squeeze more value from routine spending, the Citi Rewards Card turns everyday buys into Velocity flights and gift cards.

0% for 15 months, rates and fees — what to expect

The headline benefit is 0% for 15 months on purchases and balance transfers, which can be a sensible way to manage existing debt or finance a big purchase interest-free while you repay. After the intro period, purchase interest typically reverts to around 21.49% p.a., and balance transfers to about 22.24% p.a., so plan to clear balances within the promo window.

There’s a $199 annual fee and a 3.4% foreign currency conversion fee, so using the card overseas or on international online shopping has extra cost. Minimum credit limits usually start at $2,000, and the card offers up to 55 interest-free days on purchases when you pay your statement on time.

How to maximise 1 point per $1 and rewards value

Make the Citi Rewards Card your go-to for groceries, fuel and recurring bills to earn 1 point per $1 faster; consolidate subscriptions and utilities to build points without extra spend. Since there’s no international cap, put overseas online purchases on the card when sensible, but remember the 3.4% conversion fee can reduce value.

Transfer points to Velocity Frequent Flyer for domestic and international flights or redeem for gift cards during bonus promotions to stretch point value. Keep an eye on Citi bonus point offers and limited-time partner deals — timing big spends around those promos can supercharge returns.

Practical tips, eligibility and whether it’s right for you

To benefit from the 0% for 15 months, ensure you meet eligibility (Australian resident or permanent resident with sufficient income and a good credit history) and have a plan to pay off the balance before the standard rates apply. If you often carry a balance beyond the intro term, the higher post-intro rates may outweigh rewards value.

Apply online with ID, proof of income and details of any balances you want to transfer; decision speeds are generally fast. If you’re disciplined about repayments, value frequent flyer points and travel perks, the Citi Rewards Card can be a smart tool to turn everyday spending into meaningful rewards in Australia.