FEES AND CHARGES

Citi Fees and Charges.

Citi Fees and Charges.

Credit Cards

Fee	Amount	Fee Definition / When is the fee charged	How can you avoid the fee
Annual Primary Cardholder Fee
Citi Premier	$300
Citi Premier Qantas	$350
Citi Rewards	$249
Citi Classic	$99
Citi Simplicity	$0
Citi Clear	$99
Citi Prestige	$700
Citi Prestige Qantas	$749
Emirates Citi World	$299

Credit Cards

Fee	Amount	Fee Definition / When is the fee charged	How can you avoid the fee
Annual Additional Cardholder Fee
Citi Premier	$0
Citi Rewards	$90
Citi Classic	$15
Citi Simplicity	$0
Citi Clear	$0
Citi Prestige	$0
Emirates Citi World	$0
Late Payment Fee Effective 10 April 2019	$30 ($0 for Simplicity)	$30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account.	Always pay the Total Minimum Payment Due on or before the Payment Due Date. Alternatively, set-up Easi-Pay to automate your payment.
Overlimit Fee (for accounts opened prior to 1 July 2012)	$40	Charged per statement period when your credit limit is exceeded, debited to your account on the date your credit limit is exceeded and on each statement date in subsequent statement periods if your account remains overlimit.	You can avoid overlimit fees by monitoring your account balance and keeping track of your spending. If you would like to know your current balance, please call us on 13 24 84 or sign on to your online banking account. Please remember that it is up to you to keep your balance below its limit each month. Because many Cardholders prefer to have over limit Transactions processed, rather than rejected, our automated systems include rules that may allow some over limit Transactions to be processed, for which a fee will be charged. However, you may contact us at any time to request these Transactions be automatically rejected. In this case most over limit Transactions will be rejected, with the exception of certain Transactions that we cannot reject including Transactions that are processed manually (for example where a merchant does not use an electronic device when accepting your credit card Transaction or some recurring instructions set up on your Account), for which you will be liable for the full Transaction amount and associated interest charges (subject to any Chargeback right that may exist.
Dishonour Fees	$15	Charged each time a payment to the account is dishonoured, debited at time of dishonour.	Ensure you have sufficient funds in your account to cover the Direct Debits set-up on your account.
Cash Advances Local	3.5% of transaction amount	Debited on the transaction date. Minimum charge $3.50	This fee applies only if you withdraw cash from your credit card.
International Cash Advance Fee	$5	Charged per transaction amount for a Cash Advance outside of Australia, debited to your Account on the Transaction Date. Please note this is in addition to any International Transaction Fee that may be payable.	This fee applies only if you withdraw cash from your credit card overseas.
Paper Statement Fee	$2 per month	Charged when we issue you a paper statement, and debited to your account in the following statement period. This may be waived in limited circumstances.	Fee does not apply to Citi Simplicity cardholders. Switch to electronic Statements. Click here for more details.
International Transaction Fee	3.4% of transaction amount	We charge you an International Transaction Fee of 3.4%, debited to your Account on the Transaction Date, of which a service and assessment fee of up to 1.1% is payable by us to Mastercard® or Visa (as applicable), for any Retail Purchase or Cash Advance transaction in: foreign currency once converted to Australian dollars; and/or Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion (that is where a transaction denominated in a foreign currency is converted to local currency which is a service that is offered by certain ATMs and merchants). The process of conversion and the exchange rates applied will be determined by the relevant ATM, merchant or dynamic currency conversion service provider as the case may be. We do not determine whether a Card transaction will be converted into local currency by the merchant or ATM and you may have to check with the relevant merchant or ATM provider. Note: It may also not always be clear that the merchant or its financial institution/ payment processor is located or registered outside Australia.
Over-the-Counter Transaction Fee	$2.50	Charged per payment made at Australia Post outlets by cash, cheque or EFTPOS.	This fee applies when you use Australia Post to make payments to your account A number of other options are available such as Easi-Pay which is Citibank's convenient Direct Debit facility which enables you to have the regular payments to your Citibank account automatically debited from your nominated bank account held within Australia.