Pretty happy with this card. The deal at the time had $49 annual fee and 80,000 Citibank rewards ($400) if spent $3000 in 3 months. This net cash bonus is similar to more top of the range cards. . The other positives to consider is the low minimum credit limit on application, the qualifying 3 months spent of only $3,000. Given all this consider it a good cash bonus card though do note higher earn rate or perks as som or some of the available on other cards.

I have used this credit card for the past 14 months and I would like to report back some of the pro's and cons that I found.

Pro's
1) - I found it works with Samsung Pay therefore I can pay via my Samsung Smartwatch which I could not do with my Bank of Melbourne Platinum Credit Card
2) Enjoyed a good signup bonus and along with points gained $400 in Coles Credit by using the reward points
3) Good intuitive app for checking the CC account and making cc payments.
4) Statement gets emailed as a PDF ( no need to login) and has a security password on the PDF document

Cons
1) Receiving marketing calls from Citibank trying to sell me personal loans and calls asking if I was to increase my credit card limit.

Easy overseas usage with minimal charges compared to other cards. Rewards could have been better with the Annual fee of $49. Interest rate is high but 0% on first 26 months is a saviour for new customers.

A good card for everyday use. Got on the card for the bonus points and free annual free first year promotion. Points earn rate are okay without being great. Found the customer service to be excellent including the online communications around your card.

Easy to use in overseas and can earn more points
Easy to apply for balance transfer
Very much satisfied with rewards options available
So many options to redeem points and it is very easy

Easy to accumulate points especially if you link diners. But the value isn't great and with limited use. You cant transfer points to any airline miles. Best use is probably giftcards.

Good card with good customer service. Rewards points are ok but complimented greatly with 2 free annual priority lounge pass and complimentary bottle of wine when dining at affiliated restaurants in Australia with a minimum spend of $50. Upgrade to Signature where possible to get better reward point system but note that reward points are not transferable from Platinum to Signature for some reason.

Customer service is quite helpful, but the online system is not user friendly. Easy enough to transfer internally and externally once everything has been set up. Was able to qualify for extra qantas pts and recieved it with no problems

The rewards program was good when I first got it and the payment terms were good. I wanted Qantas points in particular, but this value whittled away over time to be half the original value.
The annual fee was raised by a large amount to (I think) $285, so I cancelled the card.

Has a very low first-year annual fee and discounted for consecutive years if you reach the minimum spend. Give a lot of bonus points, which can be redeemed for rewards. Just love using the card as it has a great design and have received a lot of compliments for it. Integrates seamlessly with Google pay and Samsung pay. Has complimentary insurance for purchases and travel, plus great customer service. One of the cards I would recommend any day.

This card offers no annual fee for the first year. I use it for daily groceries as well as online purchases for collecting points. It is very easy to transfer the balance to this credit card using NetBank. No issues what so ever till now.

Very useful card without any annual fee for the first year. Generous reward points and two priority pass free annually. What else you want. Best reward card with qantas points to help you earn great rewards

Easy to apply for and customer service very easy to deal with. It’s not the best rate going around but I also look at the other benefits I get from them. Nil issues

This card comes with zero annual fee for the first year. Also you can opt for BT and cash in much cheaper rate. earning reward using a credit card was not this much rewarding with CITI.

It is an excellent card. My deal with the Citi is that I don’t pay an annual fee, ever, I earn generous points, it is accepted anywhere where accepts card payments, I have gone over the limit with no penalties applied and can be linked to a complimentary Diners Club card which can earn more points for you.