If you’re a high roller, and want a credit card that matches your lifestyle, then the Citi Select credit card is the one for you! Only available to those earning $120,000 a year or more, the Select credit card is the first account in Australia to launch with Visa’s ultra-exclusive signature programme. If you want access to exclusive one-off events, premium VIP servicing, and unparalleled access to a market leading rewards programme, then read on for all the details you need in our full review.

The Card’s Best Features

The Citi Select credit card is rammed full of benefits. Let’s start by looking at the bonus scheme. When you first join up, you will receive a whopping 50,000 points, you’ll also be able to claim points on all purchases at a rate of 2 Citi Reward Points for every $1 spent. Points can be redeemed for flights, hotels, gifts, shopping vouchers and even cash back. Citi have also partnered with Qantas, allowing you to transfer points from Citi’s scheme to the Qantas Frequent Flyer programme.

Owning a Citi Select card also gives you complimentary access to over 600 airport lounges worldwide and exclusive discounts on some of the best hotels on the planet, a feature that pays testament to the frequent travelling market this card is designed for.

Cardholders get free entry to the Visa Signature programme where you can get exclusive assess to the finest bespoke luxury lifestyle experiences. Experience anything from an intimate evening of French fashion with Vogue, to a Thai-inspired cooking master-class with celebrity chefs.

24 hour concierge comes as standard for all Citi Select members, so if you have a problem with your credit card, or simply want some travel advice, you can reach someone at the touch of a button. You also get free access to banking and investment consultants to help you manage your money more effectively.

If you have concerns about card security then fear not as the Citi Select credit card is like Fort Knox with FraudShield protection, complimentary purchase cover of $200,000 and an emergency card replacement service. You can be safe in the knowledge that your money is in good hands.

Are There Any Drawback’s? 

The main issue with the Citi Select credit card is the interest rate, which standing at a princely 20.74% p.a. is quite high. Having said that, the card does come with 55 days interest free on all purchases, so long as you pay the balance in full at the end of the month. And while there’s a balance transfer offer, at 6.9% p.a. for 9 months there are cheaper deals around that will see you paying a lot less interest.

Who would be Suited?

The Citi Select account is best suited to high earners and big spenders who can justify the $700 p.a. annual management fee. If you enjoy the best in life, and want access to exclusive events and discounts then this is the card for you.

Who is Eligible?

The Select card isn’t for everyone, as you can tell by the fact that you need to be earning $120,000 and have excellent credit. You also got be over the age of 18, but very few teenagers are earning the amount of money needed to be eligible anyway. In return you will get access to a credit limit of up to $100,000!

Conclusion

The Citi Select account is more than just a credit card; it’s a lifestyle product that gives you access to exclusive discounts, events and rewards. If you want to carry one of the most prestigious credit cards in Australia that matches your bank balance, then this is the one to apply for!