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Go on, squeeze
more out of life
Life gets better with age, don’t you think? So we created a community especially to make your best years better. Our members get exclusive access to rewarding offers, inspiring stories and weekly deals that unlock hundreds of dollars in cashback.
It’s simple – spend like you always do, but get more with Citro.
Shop with 200+ of Australia’s most loved brands and get rewarded
No points, just real money back on your card to spend however you like.
Real cashback,
real fast
When you shop with your Citro Card at any of our brand partners you get real money back, not points. This cashback is available for you to spend almost instantly. Simple!
Earn up to 20%
cashback
Earn up to 20% cashback including exclusive offers with leading Australian brands across retail, insurance, travel, food & drink, fashion, health & beauty and more. Shop online or in-store and get cashback - it’s up to you.
Spend or invest
You’re in control of how your cashback works for you. Spend it on your next transaction or deposit it straight into your super fund to grow your wealth.
Especially for over 50s
We’ll inspire, inform and guide you with health, money, travel and lifestyle stories that matter. Whatever life stage you’re in, we offer inspiration both for now and the good times ahead.
Spend, track, manage
Use the Citro app to find the latest offers, track your cashback, and manage your Citro Card. Everything you need in the palm of your hand.
Citro magazine
Settle in with a cuppa and Citro’s quarterly magazine, available free for our members. It’s filled with informative, uplifting stories that prove life only gets better with age.
Use our calculator to discover your savings
Using your previous purchase data, we can calculate how much cashback you would have earned if you'd spent using a Citro Card.
Get 100s of dollars in cashback
Use your Citro Card the same way you use your bank’s Debit Card, almost anywhere Visa is accepted. You spend your own money (it’s not a credit card) and get cashback on eligible purchases.
Download & signup
Download the app, follow the prompts and sign up for your Citro Card.
Shop online or in-store
Use your Citro Card to make a purchase at one of our brand partners.
Track & earn
We track your cashback and deposit it in your account. Ready for you to spend!
It all starts with downloading the Citro app
Most popular offers
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Les Daniel
Android User
Prudence
QLD
Roger
VIC
Lisa
NSW
Vicki-Lee
WA
It all starts with downloading the Citro app
Your security is our priority
We use enterprise-grade security to keep your personal information safe and secure.
Strict identity checks
Powered by sophisticated machine learning, we verify identity quickly and thoroughly to prevent criminals from setting up a Citro account.
Biometric security
Citro uses biometrics and two-factor authentication. So if your phone is stolen, or your account is logged into on a new device, the same checks will apply.
Active fraud monitoring
We use automated transaction monitoring systems to monitor transactions for financial crime and fraud.
Secure your card in-app
Your Citro Card must be activated in your app. That’s the only place your PIN is available, too. You can also freeze your card or update your PIN from the app.
Proudly backed by AMP
Citro is proudly backed by AMP, one of Australia’s leading wealth management and banking institutions for 175 years.
Get 12 months free on us
Download the Citro app and get your first year of membership absolutely free.
$1.99 per month after 12-month free period. No lock-ins. Cancel anytime. T&Cs apply.
Frequently asked questions
Citro is comprised of a free newsletter, an online community and a rewards card.
Becoming a Citro Community member is easy and free: Just sign up to our newsletter and receive weekly inspiration and deals in your inbox, along with access to our online community.
If you want to get even more out of life, you can sign up to the Citro Card. With this rewards card, you can automatically save whenever you transact at our partners, whether online and in-store.
With the Citro Card, you can spend like you would with a debit card and save seamlessly. Whether it's on a holiday, or closer to home, you can use Citro Card almost anywhere Visa is accepted, online or in-store. Every time you spend at a partner store, you will automatically earn cashback. You can use your earned Citro cashback at most retailers and whenever you like. It's that seamless and easy!
No. Just link your existing bank account and you're ready to go. To start paying with your Citro Card and begin earning cashback, you only need to link a payment method. Think of it like linking your bank account to PayPal: simple, fast and secure. The Citro Card is your key to earning cashback, but it's always your money. No credit overdraft, no new bank account, no approvals required.
Signing up for our Citro community newsletter is free. With a Citro Card, you unlock a world of offers and exclusive cashback deals that you can’t get anywhere else. Enjoy your first 12 months free on your Citro Card - thereafter, continue enjoying all of its perks and benefits at only $1.99 per month.
Dive deeper with our free online e-books
Get free access to our best loved online e-books - yours to download, read and share. Simply sign up to become a Citro Member and download the guides.
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10 lifestyle swaps for
longevity
