Citi Rewards credit card
Ended — kept for reference
51,500 Velocity points, estimated value · 100,000 CitiRewards points · spend $3,000 in 90 days
I'd like to use my bonus for:
51,500 Velocity points at 1.7¢ − $49 first-year fees. Flight value is an estimate, not cash. Assumes you earn the bonus and pay in full.
These terms ended and are kept for reference.
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.
- Gift-card rates are the recorded redemption catalogue, rechecked at renewal.
Did this help you make a decision?
Can I get this?
This is a public offer.
Can I get this bonus if I have held a card before?
The bonus holding rule for this offer is unverified. Check the offer terms before applying.
See exclusion periods for every Australian issuer →What must I spend?
$3,000 within 90 days — about $1,000 per month. The terms on this page don't record when the clock starts or how long the bonus takes to arrive after you qualify — check the issuer terms for both.
Can I get the card?
$6,000 minimum credit limit — a lending commitment, not a reward fact.
$35,000 minimum annual income recorded.
Lending approval is separate from bonus eligibility: approval gets you the card, the conditions above get you the bonus.
How long is this available?
Recorded end date: August 31, 2022.
Should I keep it after the first year?
Renewal costs $149 each year ($149 annual fee) — first year was $49.
Second year pays 75,000 CitiRewards points if you still hold the card into year two. The recorded terms don't detail the exact second spend hurdle — check the issuer terms before counting on it.
Ongoing earn: 1.00x CitiRewards points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $149/yr.
Year-two points aren't dollar-valued here: the redemption catalogue may change before renewal, so recheck the rate then.
Terms and evidence
Full current terms
Offer terms
First Year Points
100,000 points
CitiRewards
Second Year Points
75,000 points
With $149 annual fee
Minimum Spend
$3,000
within 90 days (about 3 months)
Offer Expires
August 31, 2022
4 years ago
Ongoing Earn Rate
1.00x points per $1 spent
Fees
First Year Annual Fee
$49
Ongoing Annual Fee
$149
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.
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Unknown publication date
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.
- Offer extended from 29/06/22 to 31/08/20224 years ago
Discussion
About these ended terms — not the current offer.
Community and personal tools
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