Citibank Credit Cards
As one of the top names in the worldwide financial services industry, Citibank has a lot to offer consumers who are interested in applying for a credit card. From personal credit cards to those for business, you are going to have access to a large selection. Additionally, Citibank is well known for its rewards credit cards at both gold and platinum level. Along with several basic categories of credit cards, Citibank allows you to choose from a variety of financial options including: low interest, no annual fee, balance transfer, and introductory purchase APR. As you can see, Citibank has something for everybody – regardless of your current financial situation and future goals.
| credit card details | purchase rate (p.a.) | balance transfer (p.a.) | balance transfer period | annual fee | online application |
|---|
| credit card details | purchase rate (p.a.) | balance transfer (p.a.) | balance transfer period | annual fee | online application | |
|---|---|---|---|---|---|---|
|
Citibank Clear Platinum Credit Card Platinum rewards with 2.9% for 12 months on balance transfers. 1/2 price annual fee 1st year |
11.99% | 2.9% | 12 months | $49 | top choiceApplication |
|
BP-Citibank Credit Card Low 0% balance rates for 6 months! And 10% cash back on petrol at BP. |
20.89% | 0% | 6 months | $89 | editor's choiceApplication |
|
Citibank Ready Credit Transfer a balance & get a low interest rate. Low ongoing interest rate on purchases. |
9.9% for 15 months (reverts to 18.99%) |
2.9% | 15 months | $0 | editor's choiceApplication |
|
Citibank Rewards Credit Card – Classic Top rewards. Earn 15,000 bonus reward points when you first spend. Low balance transfer rate. |
20.99% | - | - | $89 | |
|
Citibank Business Credit Card Designed for businesses. Higher credit limit, concierge service, complimentary travel insurance. |
0% for 4 months (reverts to 20.74%) |
0% | 4 months | $74 | |
Help with Choosing a Citibank Credit Card
With one of the biggest ranges of credit cards to choose from amongst all the Australian banks, there’s a Citibank credit card to suit anyone. But just because you have many options does not mean you should rush ahead and make a rash decision.
In fact, a larger selection of credit cards means that you should spend more time on comparing options and making a final decision. Here are several questions you can ask to narrow your options.
- What types of purchases will I be using the credit card for? – Citibank offers a lot of cards for personal use. Those who need a business credit card have a wide choice also, many of which are perfect for both small and large businesses.
- Do you have any specific requirements? – Some consumers are only interested in credit cards with a rewards program – they want to earn points for every dollar spent. Others care less about this, but want to apply for a card with a low interest rate.
- Are you going to follow the crowd? – Just like anything, there are some cards that are more popular than others.
Pros
- Many cards with cheap annual fees – Nobody enjoys paying an annual fee for the right to use a credit card, but when you want rewards and other benefits, it’s a necessary evil. Citibank realises this and offers several cards with very low annual fees.
- Competitive interest rates – Citibank are known for offering great value. Compare their cards with the rest of the market and you will realise that the interest rates – from purchases to balance transfers – are competitive. In fact, on balance transfers, Citibank are regularly the cheapest.
- A card for everybody – Many banks don’t have a credit card for every type of person – Citibank does. No matter if you are an established professional or a business owner, you will find something that suits your needs.
Cons
- More choices, more confusion – With so many credit cards to consider from just one bank, you may never be 100 percent confident in the decision you are making. If in doubt, always compare what’s available from other banks before applying.
- Higher eligibility requirements – Citibank have positioned themselves to cater to the upper end of the market with very few cards, if any, that are available for those on low incomes or with poor credit scores.