If you’re already a Citi Bank customer and have your eye on this credit card, you can simply log into the app and request a category upgrade for the Citi Premier Credit. But if you’ve just come across this option and aren’t sure where to start, don’t worry – we’ll walk you through each step.
New applicants get a special treat: bonus points offer. The first step to unlocking this welcome bonus is by becoming a Citi Premier cardholder.
From there, if you spend at least $7,000 in the first 3 months, you’ll bag 150,000 points, plus another 50,000 for keeping your card for a full year.
To enjoy this perk and other benefits, check the approval criteria and important details on how to complete your application.
Who can apply for the Citi Premier Credit
- You need to be over 18 years old
- Have a valid Australian ID: Driver’s licence, passport, or Medicare card
- Have a good credit rating
- Be a permanent resident of Australia
Make sure to provide:
The bank will decide your approval after a full review of your financial details, not just your income. For a smooth assessment, be ready to include the following:
- Contact information: Double-check that you’ve entered your address, email, and phone number correctly.
- Employment details: Indicate if you’re employed, self-employed, or retired, and include your company or employer’s contact details.
- If self-employed: List the accountant who manages your finances, along with their contact number in case the bank needs verification.
- Gross income and monthly expenses: Provide your income before taxes and a breakdown of your monthly expenses. This helps the bank assess your credit capacity. Be prepared to submit payslips or proof of income.
What’s the Citi Premier credit limit?
The starting limit is at least $10,000, but it can go up to $100,000.
The wide range between the minimum and maximum allows the card limit to be tailored to your credit profile. Keep in mind that if you’re planning a balance transfer, you can’t exceed 80% of your card’s limit.
You can suggest your preferred limit, but the final decision will be based on the bank’s review of your documents.
How to Apply for the Citi Premier Credit
- Fill in basic personal information to kick off the process.
- Enter your mobile number and email, then look out for an SMS to verify your number.
- Tap CONTINUE.
Next up, you’ll be asked for financial details. Upload clear photos of your documents and a selfie.
At this stage, you can also chat with an online specialist if you have any questions.
If any additional documents are needed, someone from the bank will get in touch to complete your application.
Once approved, your card will be delivered within 7 business days. You can activate it through the Citi Mobile app or by calling the number on the back of the card.
Need help? Here’s how to get support:
📞 General Enquiries: 13 24 84 or +61 2 8225 0615 if calling from overseas.
📞 Fraud Support: 1300 550 216