We use cookies on our site to help improve your experience. By continuing to browse our site, you are agreeing to our [Privacy Policy](https://www1.citibank.com.au/help-and-support/useful-forms-and-links) and [use of cookies](https://www.citigroup.com/rcs/citigpa/storage/public/australia/Citi-Australia-Internet-Privacy-Statement.pdf). 1. [Home](https://www1.citibank.com.au/) 2. [Credit Cards](https://www1.citibank.com.au/credit-cards) 3. Citi Prestige Card #### **Important information** We’re amending our Terms and Conditions to reflect the new MyCard brand, app, online experience, and other important changes. [Learn more about the changes.](https://www.citibank.com.au/nab) New credit card applications will be temporarily unavailable from 24 October 2025. ![[object Object]](https://www.cdn.citibank.com/[object%20Object]) ### # Citi Prestige Credit Card ![Citi Prestige Qantas Credit Card](https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2021/all-cards_prestige.png) ## **[There’s way more to a Citi Prestige Credit Card](https://www1.citibank.com.au/credit-cards/benefits/prestige)** [![Complimentary airport lounge access icon](https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/080-globe-b1-circle.png)](https://www1.citibank.com.au/credit-cards/prioritypass) [**Complimentary airport lounge access**](https://www1.citibank.com.au/credit-cards/prioritypass) Enjoy 15 complimentary lounge visits shared between you and any accompanying guests over a 12-month period to over 1,700 airport lounges worldwide with Priority Pass™. [![4th Night on Us icon](https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/102-hotel-b1-circle.png)](https://www1.citibank.com.au/credit-cards/benefits/prestige#4th-Night-Free) [**4th Night on Us**](https://www1.citibank.com.au/credit-cards/benefits/prestige#4th-Night-Free) Book four consecutive nights or more at a range of hotels with Luxury Escapes and receive a credit back for one night (up to $1,000 credit per booking, four times per calendar year). [![Luxury Escapes icon](https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/133-travel-b1-circle.png)](https://www1.citibank.com.au/credit-cards/benefits/prestige#Luxury-Escapes) [**Luxury Escapes**](https://www1.citibank.com.au/credit-cards/benefits/prestige#Luxury-Escapes) Get up to 15% off Limited Time LUX Exclusive hotel offers (up to $500 per booking) and 10% off international tours (up to $250 per booking) booked by 1 March 2026. [![Uber Premier $100 Cashback icon](https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/105-auto-b1-circle.png)](https://www1.citibank.com.au/credit-cards/benefits/prestige#Uber-Premier) [**Uber Premier $100 cashback**](https://www1.citibank.com.au/credit-cards/benefits/prestige#Uber-Premier) Spend $100 or more in one transaction on Uber Premier (or other available ride options) with your Citi Prestige Credit Card to receive $100 cashback. Cap and T&Cs apply. [![PayAll icon](https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/218-dollar-performance-b1-circle.png)](https://www1.citibank.com.au/credit-cards/benefits/prestige#Expedia) [**10% off selected hotels with Expedia or Wotif**](https://www1.citibank.com.au/credit-cards/benefits/prestige#Expedia) Save on your next getaway with 10% off selected hotels on Expedia or Wotif. Book by 31 January 2026 and complete your stay by 30 June 2026. [![Trip.com icon](https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/140-plane-b1-circle.png)](https://www1.citibank.com.au/credit-cards/benefits/prestige#TripCom) [**5% discount on international flights with Trip.com**](https://www1.citibank.com.au/credit-cards/benefits/prestige#TripCom) Explore the world with 5% off international flights from Australia with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026. [![Complimentary Travel Insurance icon](https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/145-insurance-b1-circle.png)](https://www1.citibank.com.au/help-and-support/complimentary-insurance) [**Complimentary Travel Insurance**](https://www1.citibank.com.au/help-and-support/complimentary-insurance) Access to Complimentary International and Domestic Travel Insurance with your Citi Prestige Credit Card. [![Complimentary Mobile Phone Insurance icon](https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/055-mobile-b1-circle.png)](https://www1.citibank.com.au/help-and-support/complimentary-mobile-insurance) [**Complimentary Mobile Phone Insurance**](https://www1.citibank.com.au/help-and-support/complimentary-mobile-insurance) Pay your Monthly Mobile Plan bill with your Citi Prestige Credit Card and you'll be covered for Accidental Damage and Theft. [![MyCashback icon](https://www.cdn.citibank.com/v1/augcb/cbol/files/starwithbadge-icon-60x60.png)](https://www1.citibank.com.au/credit-cards/benefits/prestige#Personal-Concierge) [**Personal Concierge Service**](https://www1.citibank.com.au/credit-cards/benefits/prestige#Personal-Concierge) Connect to extraordinary travel, dining, and entertainment experiences, perks, and privileges, with a 24/7 personalised concierge service to assist and inspire you. [![Benefits explained icon](https://www.cdn.citibank.com/v1/augcb/cbol/files/starwithbadge-icon-60x60.png)](https://www1.citibank.com.au/credit-cards/benefits/prestige) [**Benefits explained**](https://www1.citibank.com.au/credit-cards/benefits/prestige) Learn more about the Citi Prestige Credit Card offers and benefits available [here](https://www1.citibank.com.au/credit-cards/benefits/prestige). ## ## Earn Citi reward Points when you spend ![](https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2019/international_spend_icon.png) #### International Spend on [Eligible Transactions](#/augcb-cbol/block/6724) made overseas or online with a merchant that is based overseas **Citi reward Points** **per $1 spent** **3 Points** ![](https://www.cdn.citibank.com/v1/augcb/cbol/files/inline-images/domestic_spend_hotel_icon_1.png) #### Domestic Spend on [Eligible Transactions](#/augcb-cbol/block/6724) made directly with major: airlines, hotel chains and restaurants in Australia **Citi reward Points** **per $1 spent** **3 Points** ![](https://www.cdn.citibank.com/v1/augcb/cbol/files/inline-images/domestic_spend_supermarkets_icon_0.png) #### Domestic Spend on [Eligible Transactions](#/augcb-cbol/block/6724) made directly with major: supermarkets, petrol outlets and national retailers **Citi reward Points** **per $1 spent** **2 Points** ![](https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2019/domestic_spend_other_icon.png) #### Domestic Spend on all other [Eligible Transactions](#/augcb-cbol/block/6724) **Citi reward Points** **per $1 spent** **1 Point** ## Rates and fees **Annual fee** $700 --- **Additional cardholder fee** $0\. You may have up to 4 additional cardholders, who must be 16 years or older. --- **Retail purchase rate** 22.49% p.a. --- **Cash advance rate** 22.99% p.a. --- **Interest free period** Up to 44 days interest-free on retail purchases. --- **Minimum credit limit** $20,000 --- **Maximum credit limit** $100,000 --- There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be viewed on our [credit card fees and charges](https://www1.citibank.com.au/credit-cards/fees-and-charges "Citi fees and charges") page. ## A wealth of ways to spend your Citi reward Points ![Pay with Points ](https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/shopping-bag.png) ### **Pay with Points** Redeem your Citi reward Points for eligible purchases and receive a credit back. ![Transfer your Points](https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/suitcase.png) ### **Transfer your Points** Easily transfer your Citi reward Points to participating partners including Flybuys and Velocity Frequent Flyer. [Find out more](https://www1.citibank.com.au/rewards) Keep up to date with the latest offers and benefits available on your [Citi Prestige Credit Card](https://www1.citibank.com.au/credit-cards/benefits/prestige). ![Citi Prestige Credit Card offers and benefits](https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2024/hi5_0.png) ![Contactless payment with your smartwatch](https://www.cdn.citibank.com/v1/augcb/cbol/files/images/2023/watch-pay.png) ### More ways to pay Enjoy the ease of cashless and contactless payments with your Citi Credit Card. Simply tap and pay with your card in hand, on your phone, or on your wearable. [**Learn how to set up a mobile wallet >**](https://www.citibank.com.au/aus/mobile-wallets.htm) [**Learn about Apple Pay >**](https://www1.citibank.com.au/help-and-support/apple-pay) [**Learn about Google Pay >**](https://www1.citibank.com.au/googlepayfaqs) [**Learn about Samsung Pay >**](https://www.citibank.com.au/samsungpay/) ## Things you should know Fees and charges apply. Credit criteria apply. New Citi Prestige credit card customers only and cannot be used in conjunction with any other offers. A credit check is performed each time you apply for a credit card. Credit reporting bodies make a record of these enquiries and this information may be used and disclosed for the purposes of assessing your credit worthiness, including your credit score and credit rating. For example, making multiple credit applications over a short period of time could have a negative effect on your credit score, as this may reduce your chances of approval. Refer to the full Terms and Conditions related to this product [here](https://www1.citibank.com.au/help-and-support/useful-forms-and-links?tab=creditcards "click here for full terms and conditions"). To obtain a copy of the Target Market Determination (TMD) related to this product, [click here](https://www1.citibank.com.au/help-and-support/target-market-determination "click here to obtain a copy of the target market determination"). National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to provide transitional services. Our/us/we means NAB unless the context otherwise requires it. “Citi”, “Citibank”, “Citigroup”, the Arc design and all similar trade marks and derivations thereof are used temporarily under licence by NAB from Citigroup Inc. and related group entities. * ≥**Airport lounge access** One complimentary digital Priority Pass™ Membership, with 15 complimentary lounge visit entitlements, is a special feature of the Citi Prestige Credit Card. The Citi Prestige primary cardholder will receive 15 lounge visit entitlements for each 12-month period, commencing from registration and provided their account is in good standing (for example – the account is not in default, suspended or closed). The lounge visit entitlement may be used by the primary cardholder and any accompanying guests, provided they attend together. For each visit, one lounge visit entitlement is required per person. For example, a visit by the primary cardholder and one guest will require 2 lounge visit entitlements. Unused lounge visit entitlements will expire at the end of each 12-month period and will not be carried over. Visits outside of the complimentary allowance will be charged directly by Priority Pass™. To view details for lounge visit entitlements, including entitlement period dates, login to the Priority Pass™ App. Citi Prestige primary cardholders must enrol for the Priority Pass™ Standard Membership at [www.prioritypass.com/prestigeaumc](https://www.prioritypass.com/prestigeaumc). Access the Digital Membership Card by using the Priority Pass™ App which can be downloaded via the Apple App Store or the Google Play Store. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass™ is available at selected airports. For the full list of up-to-date airport lounges and Priority Pass™ Conditions of Use please refer to [www.prioritypass.com](https://www.prioritypass.com/) along with the [Citi Prestige Credit Card Benefit Terms and Conditions](https://www1.citibank.com.au/prestige-benefits/terms) for further information. * ø**4th Night on Us** The promo code "PRESTIGE4N" must be applied at checkout to redeem the benefit. 4th Night on Us benefit is capped at 4 redemptions per calendar year and bookings must be made and used in the same calendar year. The credit amount is capped at $1,000 per redemption. 4th Night on Us is a special feature of the Citi Prestige Credit Card. Valid for Citi Prestige Primary Cardholders only. A minimum of 4 consecutive nights' stay is required in order to receive a credit for one night. This benefit cannot be used in conjunction with other offers/benefits. The credit value of the one night is calculated as the average nightly room rate for the total nights' stay. Only one credit amount will be paid per Citi Prestige Primary Cardholder per room per booking. Booking for the accommodation must be of the same room types. Back-to-back stays are not allowed. Back-to-back stays are stays at the same city/state booked on two reservations (as an example, you book four nights at a hotel on one reservation for Monday, Tuesday, Wednesday and Thursday and book another four nights on another reservation for Friday, Saturday, Sunday and Monday. In this situation, you would only be eligible for one complimentary night for the 8-night stay). Between each booking, a minimum of a 7-day window is required. Luxury Escapes Pty Ltd pays a commission to National Australia Bank for certain booking types. Offer is renewed each year unless we notify you otherwise. Please refer to the full [Terms and Conditions](https://www1.citibank.com.au/prestige-benefits/terms) for further information. * **$Luxury Escapes** 10% discount is valid on 'Limited Time LUX Exclusive' hotel offers in Australia and 15% discount on ‘Limited Time LUX Exclusive’ international hotel offers and a 10% discount on international tours (excluding flights) at [luxuryescapes.com/au](https://luxuryescapes.com/au) or on the Luxury Escapes mobile app. Offer valid at Australian website only. Offer is exclusive to Citi Prestige Credit Cardholders and is not transferable. Maximum discount available per transaction is $500 for Limited Time Lux Exclusive hotels and $250 for international tours. Offer is valid if booked by 1 March 2026\. To be eligible, customers must use their Citi Prestige Credit Card at checkout along with the promo code PRESTIGELUX when purchasing ‘Limited Time LUX Exclusive’ hotels, or MYLUXTOURS10 when purchasing an international tour, and the discount will be applied automatically. Excludes transactions made through a third-party establishment or payment processor. We may vary or end this offer at any time acting reasonably. We will notify you of any changes electronically (including via [www.citibank.com.au/credit-cards/benefits](https://www1.citibank.com.au/credit-cards/benefits)) or other appropriate method as soon as reasonably practicable. Offer is not valid on flights, LUX Partner Properties, LUX Premium Collection, Last Minute Escapes, Cruises, Experiences or Gift Cards. Offer is not combinable with any other discount or offer. Offer ends 1 March 2026. * £**10% off selected hotels with Expedia or Wotif** To receive the 10% discount on your stand-alone prepaid hotel booking at participating hotels you must book via the unique [www.expedia.com.au/traveloffer](https://www.expedia.com.au/traveloffer) or [www.wotif.com/traveloffer](https://www.wotif.com/traveloffer) link from 25 February 2025 to 31 January 2026 for stays completed by 30 June 2026, enter the Coupon code on the payment page, and pay with your valid Citi Credit Card issued by NAB. Discount applies to the first room in multi-room bookings and cannot be combined with other Coupon codes or applied to past bookings. Taxes, fees, and other charges are not included in the discount. The offer is subject to availability and Expedia and Wotif booking terms (see [Expedia](https://www.expedia.com.au/lp/b/aunationalaustraliabank%28nab%29pub10hotelEXP10TRVL20250201) and [Wotif](https://www.wotif.com/lp/b/aunationalaustraliabank%28nab%29pub10hotel20250201)). We may vary or end this offer at any time acting reasonably. We will notify you of any changes electronically (including via [www.citibank.com.au/credit-cards/benefits](https://www.citibank.com.au/credit-cards/benefits)) or other appropriate method as soon as reasonably practicable. NAB may receive a commission from Expedia or Wotif on all hotel bookings made under this offer. * **\*Mobile Phone Protection Insurance** Mobile Phone Protection Insurance (Cover) is provided under and by way of a group policy (Group Policy) issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB"). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi"). Citi has agreed with NAB to provide transitional services in relation to the transferred business. This Cover is available to Cardholders ("you/your") while you remain an eligible Mastercard and/or Visa cardholder of NAB, subject to NAB’s and AIG's right to alter the Cover. The terms, conditions and excluded cover are specified in the '[Citi Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions](https://www.cdn.citibank.com/v1/augcb/cbol/files/documents/2021/mobile-insurance-termsandconditions.pdf)' as amended from time to time. When eligible, you have the benefit of cover as a third party beneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. Neither Citi nor NAB is the issuer or insurer of the Cover. Neither Citi nor NAB nor any of its related corporations guarantee any of the benefits under the Cover. Please note that you must have a contract with a mobile phone provider and a monthly automatic billing arrangement. * ±**Points earn rate** All rewards are subject to the [Terms and Conditions of the Citi Rewards Program](https://www.citibank.com.au/global%5Fdocs/pdf/MCG12231%5F1014.pdf). The Citi Prestige Card earns 3 Points per $1 on eligible International Spend and for selected purchases made and booked directly from a range of major restaurants and restaurant chains, major hotel chains, major travel agencies, major travel aggregators and flights directly booked with major airlines. 2 Points per $1 for selected purchases made at major petrol outlets, major supermarkets and major national retailers. 1 Point per $1 spent everywhere else on Eligible Transactions. Domestic Spend and International Spend means any Eligible Transaction made with a merchant who respectively tells us they are located within Australia or outside Australia. Please [click here](#/augcb/block/6727) for the full definition of Eligible Transactions. Please note purchases not ordered or booked directly from the restaurant (e.g. through a delivery company) are not included in the higher earn rate. Please note that whether or not a purchase is eligible to earn Points and how many (e.g. whether the merchant is a "major restaurant") will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). If, for example, a restaurant is not classified as a restaurant by the card scheme, it will not be treated as a "major restaurant" for calculating Points. Points do not expire while the card remains open and in good standing (for example – your account is not in default, suspended or closed). * »**Pay with Points** Pay with Points is available on eligible purchases. An eligible purchase is a transaction we will present to you in your Citi Mobile App or Citi Online that can be paid by redeeming your reward Points. The types of transactions that may be paid by redeeming your reward Points may change and we will present these to you in the Citi Mobile App or Citi Online. * §**Points transfer** You must be a member of the Airline, Hotel and Other Loyalty Program in which you wish to claim Airline, Hotel and Other Loyalty Points and have advised us of your airline and hotel loyalty program membership number prior to any such redemption. Membership of an airline and hotel loyalty program will be subject to the terms and conditions of that program. Airline, Hotel and Other Loyalty Points may take up to 28 business days to appear in your Airline, Hotel and Other Loyalty Program membership account. * **