Citibank Credit Cards

Citibank are one of the biggest credit card issuers in the world. They offer their Australian customers an excellent product with very competitive rates. Find out which Citibank credit card will be the best solution for your financial needs.

Citibank is one of the worlds biggest financial service providers. Although they are quite new to the Australian market, they have a lot of products to offer. In addition to regular banking services, Citibank offers a very wide range of credit card solutions to their customers.

Citibank understands that everyone has different needs when it comes to a credit card. One customer might want the lowest rates, while another customer might be more concerned with the rewards that can be earned. Let’s review some of them to see the diversity of the products that are available.

Economical Credit Cards

There are a few options for customers who are looking for a credit card with the lowest rates. But the best card for you will depend on your unique needs. The Clear Visa card is one of Citibank’s most economic credit cards. This card offers a low annual fee of $65, which is a very reasonable fee for a credit card. In addition to this, the card offers an introductory balance transfer rate of 4.9% for the initial 6 months.

Balance transfers are a great solution if you have outstanding credit cards, as they allow you to transfer your balances so that you can take advantage of the lower introductory rate which will help you to pay off your debt faster. The purchase rate is 15.99%, which again, is a reasonable rate for a credit card. Also, you will receive 55 interest free days, which are great if you need a little extra time to get your balances paid off.

Comparison of Citibank Credit Cards

	Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
Citibank Clear Platinum Card	0% for 6 months (reverts to 11.99% )	0% for 6 months	$99	0% for 6 months thereafter reverts to 21.74%
Citibank Rewards Credit Card – Platinum Card	20.99%	0.9% for 9 months	$199	21.74%
Citibank Rewards Credit Card – Classic Card	20.99%		$89	21.74%
Citibank CitiBusiness Gold	0% for 4 months (reverts to 20.74% )	0% for 4 months	$149(half-price annual fee in the first year)	21.49%
Citi Select	20.74%	6.9% for 9 months	$700	21.24%
Citibank BP Credit Card	20.89%	0% for 6 months	$89	21.39%
Citibank Emirates Platinum Card	20.99%	0.9% for 9 months	$0 annual fee for the first year ( $229 thereafter)	21.24%
Citibank Clear Card	15.99%		$65	21.74%

Rewards Cards

Citibank knows how important it is for some customers to be able to earn rewards. As such, they have a really huge range of credit cards that have reward programs attached to them. One of then is the Citibank Silver card. It has a very reasonable annual fee of only $89, in addition to this you will also receive 55 interest free days.

As for the rewards, you will be rewarded with 1 point for each $1.00 that you spend. The points that you have earned will not expire – unlike some other credit cards. In addition to this, you can choose to have Qantas Frequent Flyer points.

The Silver card also offers insurance on your purchases that cover against theft, loss or damage. And the card also provides you with extra security as it has a photograph, digital signature and also Fraudshield protection.

Visa Debit Cards

If you don’t think a credit card will be the best solution for you, you can choose a debit card. Debit cards are a great way for you to better budget your money, as you can only spend what you have. Unlike many other cards out there these cards do not work on credit.

The Visa Debit card from Citibank is a great way for you to have the freedom and flexibility of a credit card, but without the fees. There are no monthly fees and no restrictions. You can use this card just like any other credit card. You can spend online or overseas, and you will even have access to online banking so that you can better manage your money.

To find out more about the products that Citibank has, contact your local branch to see how you can benefit from a credit card from Citibank.