Citi Rewards Credit Card – Flybuys Offer

Special offers

Collect 75,000 flybuys BONUS POINTS and a $100 Kmart eGift Card when you spend $3000 in the first 90 days from approval. Offer ends 17th December 2020.


Other features

Card Type Mastercard
Minimum Income $35,000
Minimum Credit Limit $6,000
Maximum Credit Limit $100,000
Minimum Monthly Repayment 2% or $30 whichever is greater
Complimentary Travel Insurance Yes
Extended Warranty Yes
Available to Temporary Residents No
Additional Card Holders Yes
Foreign Exchange Fees Yes
Interest Rate 21.49% p.a.
Interest Free Days on Purchases Up to 55 days
Cash Advance Rate 22.24% p.a.
Balance Transfer Rate 0% p.a. for
15 months

reverts to 22.24% p.a.
1% balance transfer fee applies

Balance Transfer Fee 1%
Annual Fee $49 p.a. for
12 months

reverts to $149 p.a.

Late Payment Fee $30
Points Per Dollar Spent  1
Bonus Points 75,000
General Terms & Conditions

To access the full Terms and Conditions related to this product, click here.

Rewards Rate Terms & Conditions

To be eligible to receive 75,000 flybuys bonus points and a $100 Kmart eGift card, you must apply for a Citi Rewards Credit Card by 17 December 2020, then spend $3,000 or more on it within 90 days from approval. Cash Advances, Balance Transfers, refunds, Chargebacks, Special Promotions and spend on a Linked Diners Club Card do not contribute to the spend threshold. Your Citi Rewards Credit Card must remain open and in good standing to receive the 75,000 flybuys bonus points and $100 Kmart gift card. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. This offer is valid until 17 December 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 75,000 flybuys bonus points: We will request your flybuys membership number from you via email within 8 weeks of meeting the spend criteria. The flybuys points will be credited to your flybuys account within 6 weeks from the date we receive your flybuys membership number. If you do not provide us with your flybuys membership number within 8 weeks from us first requesting it, we reserve the right to credit the equivalent amount of Citi reward Points to your Citi Rewards Credit Card. flybuys points are administered by Loyalty Pacific Pty Ltd and subject to the flybuys Terms and Conditions which are available at $100 Kmart eGift Card: The Kmart eGift card will be sent to you within 8–10 weeks of meeting the spend criteria, to the email address maintained with your credit card account. The Kmart eGift card can be used for the purchase of goods and services at Kmart stores excluding Kmart Tyre & Auto Service stations, Kmart New Zealand, PixiFoto and purchases initiated by phone, email, online or fax. No change given, balance remains on the card for use against future purchases and cannot be reissued if lost or stolen. Kmart eGift cards are subject to the Gift Card Terms of Use. eGift cards are non-reloadable and non-redeemable for cash.

Balance Transfer Rate Terms & Conditions

Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer at point of application, and the balance transfer fee for a period of 15 months. The balance transfer fee of 1% is charged once, is calculated on the amount transferred and is added to your balance transfer amount at the time Citi processes your request. The 15 month promotional period commences once the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance and balance transfer fee will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.24% p.a. This offer excludes balances transferred from Citibank unsecured credit products. Please note you are not entitled to any interest free days on retail purchases whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. For important information to consider before taking up a balance transfer, please click here. This offer is valid until 17 December 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.