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.

Find out more on the Citro app
Shop direct. Use your Citro Card. Get cashback.

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.

Get your money’s worth

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!

Real cashback, real fast

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.

Splurge today or save for tomorrow

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.

Join our community

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.

Your one-stop shop

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.

Get inspired

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.

How much cashback can you earn?

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.

How does Citro work?

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.

Step 1

Download & signup

Download the app, follow the prompts and sign up for your Citro Card.

Step 2

Shop online or in-store

Use your Citro Card to make a purchase at one of our brand partners.

Step 3

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

Here’s what our customers are saying about us!
Works flawlessly. Love the cashback and that I didn't need to setup a separate bank account to use it.

Les Daniel

Android User

I am so pleased with the support I received when applying for my Citro card and the support I got after my application status. I am happy to be a part of Citro.

Prudence

QLD

The ease of filling out the application form was a breeze. Looking forward to receiving my card. Cheers!

Roger

VIC

Excellent support in finalising my application. Thank you!

Lisa

NSW

Easy to use website and no drawn out applications quick and easy.

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

How does the Citro membership work?

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.

How does the Citro Card work?

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!

Is Citro a credit card?

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.

Does Citro charge fees?

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.

Exclusive Citro Guides

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.

Learn 10 science-backed ways to embrace simplicity, improve your healthspan and live your best years stronger and longer.
Relocating for retirement is an Aussie tradition. Unlock Australia’s top 30 retirement locations and make your best years better.

Enjoy it all for free in our newsletter Citro Squeeze

The latest money, health, lifestyle and travel info to help older Australians get more out of life.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.