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Earning cashback is easy
Your card is linked to your bank account, so you spend your own money. When you buy from a Citro partner, you earn cashback. It's that 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 to earn your 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.
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.
Save big with Citro
Use your Citro Card the same way you use a bank 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
It starts with the Citro app. 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
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.
Most popular offers
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It takes under 5
minutes
Susie O'Neill only took 4 minutes! Can you beat that?
Easy as 1, 2, 3
It all starts with the CItro app... download it to your phone, then follow the prompts to complete your sign-up.
Download the Citro app
Download the app and press Sign up.
Verify your identity
Take a quick selfie to show us that you’re you
Link your bank account
Choose your transaction account for spending & tracking cashback
It all starts with downloading the Citro app
Terry
Citro Member
Debbie
Citro Member
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Citro Member
Join our satisfied community. Download the Citro app now.
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.
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.