I got this credit card with no annual fee and use it for my all my daily expense except when there's a surcharge applied. I don't use it overseas as there's a high transaction fee. The rewards point is no longer redeemable for fee paid on government and council services which is a shame. I got free priority pass and travel insurance which I claimed before with no issue.

I have been a long time credit card customer of Citibank and they upgraded me to Citibank Rewards Signature two years ago. They also offered to make it a fee free card due to my loyalty which was nice. I find this very easy to use and have had no problems. They have a 1800 number to contact them and staff are always very friendly on phone. Rewards points are easy to accumulate and redeem for lots of different items. Also get 2 Priority Passes each year and international travel insurance (which I have had to claim on before.) The only issue I find with the card is purchases made online have steep international conversion fees, so I avoid using it whenever possible for this.

I haven't used the card overseas but have tried balance transfer before. It is really easy to set up the balance transfer. With this card, I also got free Priority Pass membership that gives me access to two lounges every year. I use this card mainly to accumulate points to transfer it to Kris Flyer / Velocity. I signed up to this card when they have promotion for a free annual fee for life couple years ago. Best card ever, I will keep using this card.

I use this card daily. It gives quite good rewards with cash back and products. But what I like best is that the Citbank team treat me like a person. I failed to make a payment due to a bank account mix up. They contacted me quickly and then waived the fees as soon as they knew the payment was on its way. The linked Diners Club card has limited acceptance in Australia but is a bonus for overseas use as it gives double reward points at no ongoing cost.

I signed up for Citibank Platinum during a promotion period where there are no annual fees for the life of the card. Platinum then evolved into the Signature card with the added benefit of 2 free Priority Pass lounge visits per year. The card has many benefits such as loyalty points, product warranty, and travel insurance. Customer service is good. I highly recommend it. Only problem is the hefty forex fees it charges.

I have held the Signature rewards cards for over 12 years, I don't pay the $395 annual fee since year 2, if you always paid your card on time this is a great card. If you buy your air tickets on this, you get travel insurance for free, I used it a couple of times while I was in Japan and was sick. very helpful. I also racked up lots of points (used to) until they half the points and its now $2 to 1 QF points, but thanks to this card I got 9 return trip overseas for it. The customer services is 10/10. The card used to be blue and has silver words punched into it and always rubbed off, since becoming the new style and the numbers are printed on the back its so much better

I have only ever had one credit card and that's with Citibank. 1 year after joining, their shop front dissappeared from Hobart. I managed to work my way up to platinum. Strangely, it dropped back to a signature/pay wave visa!. Without any reasoning. A rewards card, which has dropped its points allocation. Quickly, to add charges for public holiday transfer pymts.

In all honesty, its easier to stay with them than make the change. They are pretty much the same when it comes too on payments.

The overseas call centre has never been able to explaine why I dropped from platinum to signature??????

Used this card to purchase overseas holiday and then made application for pre-existing health condition cover. They do over the phone assessment and then give you answer in 60 seconds. If you have anything mildly serious you will probably be rejected by this process. Other credit card services do more thorough assessment and more likely to offer cover. If you want to use a card for travel insurance and have a pre-existing condition, probably best to stay away from the Citibank cards

I used this card for many years and i used to like it till the recent changes of charging transaction fee for payment processed overseas even it is in AUD.

For the transaction in other currency, I can understand and i can avoid by using fee free credit card. But a lot of the AU online shopping sites, you won't know that attach a overseas transaction fee till you see a surprised charge in the statement.

Citibank credit card used to be my default credit card for all transaction. But will not be anymore.

This used to be one of the few Visa or MasterCards that gives you 1 Qantas point for 1 dollar spent. Now it's capped at 1 point per dollar only to the first $3,000 per statement and then drops sharply to half a point. Jetstar MasterCard or Qantas Credit Union Visa are they better cards now.

I got this card through a no annual fee offer. The rewards program is good and the airport lounge access is a bonus. I don't think it is worth the full annual fee they charge, but since I don't pay that fee I am happy. Citibank customer service is always poor

I have had this card for 1 day - so far the whole experience has been good. Application was first and trouble free, activation and registration for online banking was simple and good. My first purchase has gone without a hitch. Will report back later about long term features and benefits...