Citi Rewards Card
- APR
- 22.49% – 22.99%
- Annual Fee
- A$149
- Rewards
- Up to 2.0%
Earn Citi reward points on all purchases with no annual fee for the first year, making it a solid choice for everyday spending.
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Our Verdict
The Citi Rewards Card is ideal for those who frequently shop at supermarkets and want to earn points without an upfront annual fee.
Pros
- No annual fee in the first year
- Earn 2 points per $1 at eligible supermarkets
- 1 point per $1 spent elsewhere
- Mastercard benefits
- Simple rewards structure
Cons
- Annual fee of $149 after the first year
- APR set at 20.74% for all users
- Limited bonus categories
- Rewards may not appeal to high spenders
- Approval might be stringent for some
This card caters well to regular supermarket shoppers, allowing them to earn 2 points per $1 spent at eligible locations. The first year without an annual fee is a clear advantage, but be prepared for a $149 fee thereafter.
The 20.74% APR is consistent but could be a dealbreaker for anyone who might carry a balance. Unlike some competitors, this card lacks expansive bonus categories, limiting reward potential for diverse spenders.
Customer service experiences are mixed, with some users noting delays in support. The app interface is user-friendly, making tracking rewards straightforward. Overall, while it offers solid supermarket rewards, those seeking broader perks may want to explore other options like the ANZ Rewards Card or the Westpac Altitude Rewards Card, which provide more varied earning opportunities.
Who It's For
This card is suitable for individuals who primarily shop at supermarkets and prefer a straightforward rewards system without upfront costs.
Watch Out
Be mindful of the high APR of 20.74% which can add up quickly if you carry a balance.
Summary
The Citi Rewards Card offers a solid rewards structure for supermarket shoppers but comes with a high annual fee after the first year.
Best For
Best for everyday shoppers who want to earn rewards without worrying about an annual fee in the first year.
You'll be redirected to citibank.com.au
What Customers Say
Cardholders appreciate the no-annual-fee first year but express concerns about the high ongoing fees and APR.
