This page is my best effort to summarise the card's terms from the information I found. Read the bank's terms for full details, or contact the bank if you have questions.
I'd like to use my bonus for:
Can I get this?
This offer is advertised to the public. Bonus conditions and the bank’s approval requirements still apply.
Can I get this bonus if I have held a card before?
I have not checked the waiting period for this bonus.
See the waiting rules for every Australian bank →What must I spend?
$5,000 within 90 days — about $1,667 per month.
Can I get the card?
The minimum credit limit is $2,000. This is the least the bank may let you borrow.
I do not have a minimum income for this card.
Meeting the bonus rules does not mean the bank will approve your application. The bank must assess and approve the card separately.
How long is this available?
I do not have an end date for this offer.
Should I keep it after the first year?
Keeping the card costs $199 each year ($199 annual fee) — the first year was $199.
There is no bonus in year two. The fee buys points on your spending, plus the card's perks.
Ongoing earn: 1.00x Velocity points per $1.
Keeping pays off only if the ongoing earn and benefits are worth $199/yr to you.
51,612 Krisflyer points at 1.5¢ a point − $199 in first-year fees. This is flight value, not cash. It assumes you earn the bonus and pay in full.
This offer has ended. I keep this page so you can check the old terms.
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- You close the card before the next annual fee, or you decide keeping it is worth that fee.
Did this help you make a decision?
Make sure you check with Citi if this offer is still valid before applying - "This offer is valid until 31 January 2023. Post this advertised date; we reserve the right to continue, withdraw or change the offer at any time without notice."
Terms and evidence
Full current terms
Offer terms
Signup Bonus
80,000 points
Velocity
Minimum Spend
$5,000
within 90 days (about 3 months)
Ongoing Earn Rate
1.00x points per $1 spent
Fees
First Year Annual Fee
$199
Ongoing Annual Fee
$199
From year 2 onwards
Purchase Interest Rate
21.00% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Offer terms history (1 version — old terms, for checking)
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.
- Expiration changed from 30/04/24 to no expiration3 years ago
- Annual Fee changed from 90 to 199, Second Year Annual Fee from 149 to 1993 years ago
- Bonus changed from 100000 to 80000, Spend For Bonus from 8000 to 50003 years ago
- Offer extended to 31/10/233 years ago
- Offer extended to 25 October 20233 years ago
- First year annual fee increased from $0 to $149, bonus increased 60k to 70k, spend requirements increased from $3k to $5k4 years ago
- Offer extended to 31 January 20234 years ago
Discussion
About these ended terms (published 30 Jun 2024) — not the current offer.
Community and personal tools
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