About Citi bmibaby credit card...
- Spend £100 for a free bmibaby return flight
- Spend £3,000 for a free bmibaby return flight each year
- Purchase and fraud securities
The Citi bmibaby credit card is aimed at anyone who's after flight rewards without the so-often-combined serious spendathon.
The bmibaby credit card comes with a free return flight on the bmibaby network just for spending £100 within the first 3 months, which could easily be enough of a sway to take this card out simply for the free bonus.
After the introductory incentive for adding this plastic to your wallet, you'll then get awarded with a free return flight every year you clock up more than £3,000 in purchases with the card.
This is a great deal for any bmibaby regulars, and a great way to get a good solid reward each year for a minimal outlay of credit card spending - you'd only need to splash out on a few luxuries, an exotic holiday, or a regular monthly spend of just £250.
The Citi bmibaby credit card also offers a useful 12-month 0% balance transfer offer (3% transfer fee), plus some useful added extras for long-term cardholders including a price match guarantee, purchase protection insurance, extended warranties and a specialised identity theft and fraud protection service.
Apply for Citi bmibaby credit card 
| Interest Rates and Fees |
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Notes.. |
| Typical APR |
16.9% APR (variable) |
The typical APR is the rate most people are offered.
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| Balance Transfers |
0% for 12 months |
Payments are applied towards balance transfers first. Must be made within 90 days of account opening. |
| Balance Transfer Fee |
3%
(£5 minimum) |
When you transfer a balance to this card you will be charged a 'handling fee'. |
| Cash Withdrawal Rate |
24.9% p.a. (variable) |
Up to 27.9% p.a. This is the rate you are charged on balances resulting from using a cash machine, getting cash back at the supermarket or buying foreign money. |
| Cash Withdrawal Fee |
3%
(£5 minimum) |
When you use your credit card to get cash you will be charged a 'handling fee' for doing so. |
| Annual Fee |
£0 |
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| Foreign Transaction Fee |
2.75% |
This is fee you will be charged for credit card transactions made abroad.
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| Rewards |
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Notes.. |
| Introductory Return Flight |
Free return flight on the bmibaby network |
To qualify you must spend £100 or more on purchases within 90 days of account opening.
You will need to provide a valid e-mail address and redeem your flight online.
Availability of flights applies. |
| Annual Return Flight |
Free return flight on the bmibaby network |
To qualify you must spend £3,000 or more on purchases within a 12 month period.
Return flight can be taken within 6 months of being notified.
You will need to provide a valid e-mail address and redeem your flight online.
Only one return flight will be awarded each year.
Availability of flights applies. |
| Cardholder Services & Extras |
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Notes.. |
| Online Account Management |
Yes |
You can log in to the Citi Bank website and manage your Citi bmibaby credit card account online |
| Purchase Protection Insurance |
Yes |
Most purchases of new, personal items bought anywhere in the world will be covered against theft, accidental damage and fire cover for up to 30 days, when bought with this Citi bmibaby credit card. Terms, conditions and exclusions apply. |
| Price Match Guarantee |
Yes |
If you buy something with the Citi bmibaby credit card and then find it cheaper elsewhere within 60 days, the difference will be refunded to you. |
| Extended Warranty |
Yes |
Free extended warranty for most purchases of well-known, brand name, domestic electrical products bought in the UK with this Citi bmibaby credit card. The product must have an original manufacturer's warranty. The extended warranty will cover the same risks as the manufacturer's warranty and last for 12 months from the end of the manufacturer's warranty. |
| Online Fraud Guarantee |
Yes |
Any charges to your card made online without your consent will be refunded. |
| Active Fraud Protection |
Yes |
If Citi see anything suspicious on your account, they will alert you to it. If it proves to be fraudulent, you will not be held liable for any purchases you haven't authorised. |
| Citi Identity Theft Solutions |
Yes |
A free service that will help restore your good name and good credit if you have your identity stolen. |
| Travel Accident Insurance |
Up to £100,000 |
When you use this card to buy travel tickets you will be covered against death or serious injury whilst abroad. |
| Emergency Travel Assistance |
Yes - Free emergency medical and legal assistance, at any time whilst abroad. |
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| Optional Extras |
Payment protection, Card protection |
These are extras that you can choose, but you will have to pay for them. |
| Payments & Payment Details |
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Notes.. |
| Credit Limit |
£1,500 assumed |
Credit limit may vary from person to person and is subject to status. |
| Interest Free Period |
Up to 56 days |
On card purchases only, if you pay your statement balance in full and on time every month. There is no interest free period on balance transfer, cash withdrawals, credit card cheques or Citi Flex Payments. |
| Minimum Monthly Payment |
2.25%
(£5 minimum) |
The minimum monthly payment is the smallest amount you must pay each month (unless your credit card balance is zero). |
| Allocation of Payments |
Interest, Charges, Promotional Balances, Purchases, Non-promotional Balance Transfers, Cash Withdrawals |
When you make a payment to this card, payments will be applied in this order. |
| Default Charges |
£12 |
This is how much you will be charged for late payments, returned payments and if you go over your credit limit. |
| Copy of Statement Fee |
£3 |
This is the fee you will be charged for duplicate statements. |
| Card Details |
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Notes.. |
| Online Application |
Yes |
- |
| Card Type |
Classic |
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|
| Payment Company |
MasterCard |
This is the company who provides the payment technology and infrastructure to allow you to use this credit card. retailers and ATM machines displaying the 'MasterCard' logo will accept this card. |
| Card Issuer |
Citi |
This is the bank behind your credit card. |
| Card Advertiser |
Citi |
This is the company who advertises and promotes this credit card. |
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Citi bmibaby Credit Card
| Typical APR |
 16.9% APR |
 |
| Balance Transfers |
 0% for 12 months
3% transfer fee - £5 min |
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| Rewards |
| bmibaby return flights |
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| Interest Free Period |
| Up to 56 days |
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| Annual Fee |
| £0 |
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| You should only apply if you are: |
| • Aged 18 or over |
| • UK resident |
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More about Citi bmibaby credit card...
bmibaby flight rewards
The best feature of the bmibaby credit card is the free flight rewards.
If you spend more than £100 on the card in the first 90 days, you'll qualify for a free return flight anywhere on the bmibaby network. There are a few restrictions on availability, but this seems to be a pretty straightforward offer and one not to miss out on if you do take this card out.
In addition, simply spend more than £3,000 each year on the bmibaby credit card, and you'll qualify, each year, for another free return flight.
0% balance transfers
There is a 12-month 0% balance transfer deal on the Citi bmibaby credit card with a standard 3% transfer fee.
The problems with this offer is it really seems to be a knocked-on extra that doesn't form part of the main reasons for opting for the bmibaby credit card over any other.
It's not a bad deal - though it's not the most competitive. However, as there is no combined 0% purchase deal, any spending on the card (which you'd need to do to get the free flights) would become trapped behind any 0% balance transfer amount, and you'd have to pay back the balance transfer before any purchase spend.
Due to this fact that you shouldn't spend whilst also using this card for a balance transfer - if you do want to transfer a balance, get another 0% balance transfer credit card and keep just your spending on the bmibaby credit card.
All the Citi cardholder extras
It's nice to see here that Citi have included all of their rather amazing cardholder extras on the bmibaby credit card.
You'll get access to Citi's Identity Theft Solutions, which means that you'll get a dedicated team helping you to sort things out if your identity ever gets stolen.
Only a few credit cards offer this at present, and if it is something that you are worried about, then it's a really useful add-on. Citi will also monitor your card for suspicious transactions and will contact you if they see anything out of the ordinary.
Amongst the fraud protection, you'll also get to benefit from a price match guarantee, which, subject to limits, means that if you buy something on the bmibaby credit card and then find it cheaper elsewhere within 60 days, Citi will refund you the difference - which is pretty nice of them!
Purchases will also benefit from a purchase protection insurance - very useful cover most often found on prestige credit cards that will offer some peace of mind in case anything nice and expensive you've bought gets stolen, damaged or set on fire within 30 days. Noticeably, cover will extend to purchases bought anywhere in the world.
It's also worth mentioning the extended warranty service available that offers a second year warranty on most well-known brand name domestic electrical appliances bought in the UK. The product will need to have it's own manufacturer's warranty, but you'll then get cover for the same risks for another 12 months.
Good for...
The Citi bmibaby credit card is a really good card if you want feel as though you're earning something really special from your spending, rather than just a few reward points to use in a company catalogue.
With a typical APR of 16.9%, this is not one of the cheapest cards on the market, but if you clear your balance in full each month and spend at least £250 per month, then you've got a free return flight to look forward every year.
Becoming a Citi credit card holder is also a good way of keeping any large purchases out of trouble until they've safely been unpacked at home. Similarly, any one looking for a little extra peace of mind when typing in card details online will get relief from the vast range of Citi fraud services.
Not so good for...
If you don't repay your balance in full each month, whilst you may get a free flight each year, you'll probably end up paying for it through interest charges.
It may pay you more to consider a lower APR card and use the money you save in charges for your flight.
If you're going to get the best from the Citi bmibaby credit card, then you need to be spending at least £3,000 on it each year to get the free flights. If you don't think you can spend this much on plastic - though it really wouldn't be hard to do - you might be better off with a high-rate cash back credit card that'll reward you even if you only manage to buy a newspaper and a kitkat.
Similarly, if you're a very high on-plastic spender, bmibaby's parent company BMI also has a branded credit card. This is provided by MBNA rather than Citi and offers a different reward structure, rewarding more spending with 'destination miles', which may be better for bigger spenders.
Summary
The Citi bmibaby credit card is the perfect wallet companion for travel seekers who don't want to have to run up a massive bill on credit or wait 3 years to earn enough miles for a free flight.
With a host of Citi cardholder extras on offer the Citi bmibaby credit card also really makes for the perfect plastic for any large purchases, especially domestic appliances which will qualify for a free extended warranty.
Apply for Citi bmibaby credit card
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