Citi Rewards Card – Balance Transfer Offer

• Residency. You must be an Australian citizen or permanent resident.
• Credit history. You must have a good credit score to apply for this card. If you're not sure what's on your credit history, you can check it and get your credit score for free through Finder.
• Age. You must be at least 18 years old to apply.

Required documents

• Personal details. This includes your full name, date of birth, marital status and number of dependents, residential address, email address and contact number. You'll also need to provide a valid form of ID, such as your driver's licence or passport.
• Employment details. Provide details of your work history, including your current job, salary and your employer's contact details. You may also need to provide details about previous jobs, as well as recent payslips or Tax Assessment Notices to help verify your income.
• Financial details. Include information about any income from other sources, such as superannuation, investments or shares, as well as savings accounts. You'll also need to provide details of any existing debts and loans such as mortgages, plus regular expenses such as rent, groceries and household bills.
• Balance transfer details. If you're planning to transfer a balance, you need to provide the total amount of debt you want to transfer, as well as details of the card or personal loan accounts you want to transfer a balance from.

• Citi Rewards. This card gives you a Citi Rewards membership and allows you to earn 1 point per $1 spent on eligible domestic and international spend. There is a domestic spend cap of $10,000 per statement period, but no cap for eligible international spend. The Citi Rewards Program offers a wide range of ways to use your points, including transfers to three frequent flyer programs (Emirates Skywards, Singapore Airlines KrisFlyer and Flybuys), as well as travel, gift cards and cashback available through the Citi Rewards store.
• Transfer personal loan debt. Citi is one of the few providers that allow you to transfer the balance of a personal loan to a credit card. Line of credit accounts can also be included in a balance transfer to the Citi Rewards card.
• Complimentary travel insurance. Purchase your overseas travel tickets with this card and you and your family can be covered for medical expenses, trip cancellation due to unexpected circumstances, loss or theft of personal items and more.
• Other complimentary insurances. This card also gives you access to purchase protection insurance that protects you against loss, theft or damage to a covered item purchased with the card. You'll also get an extended warranty cover for eligible items and a guaranteed pricing scheme that refunds the difference in price if you use the Citi Rewards credit card to purchase an eligible item and you see it on sale for less somewhere else.
• Mobile payment compatibility. Make payments by tapping your eligible smart device at a contactless terminal when you add this card to the Apple Pay or Samsung Pay wallets.
• Linked Diners Club Card. If you want to boost your rewards potential, you also have the option of applying for a Linked Diners Club Card (LDCC), which earns 2 points per dollar spent on eligible transactions, uncapped. Please note that separate Diners Club eligibility requirements and rewards terms and conditions apply to this card.

• Interest-free days. If you pay your balance in full by the due date on each statement, you can get up to 55 days interest-free on purchases. You will not be eligible for interest-free days while you carry debt from a balance transfer.
• Cash advances. This card charges a variable cash advance rate of 22.24% p.a. You will also be charged a one-time fee of 3.5% of the transaction amount or $3.50 (whichever is greater) on domestic transactions, and $5 on overseas cash advances.
• Foreign transaction fees. If you use your Citi Rewards Card for transactions in a foreign currency, the standard 3.4% fee will apply.
• Additional cardholders. You can add up to 4 additional cardholders to the account for a $90 annual fee per additional card.
• Credit limits. You can request a credit limit from $6,000 up to $100,000. The credit limit you're approved for will depend on the lending criteria and your financial history.