Citro

Citro combines a lifestyle community for people over 40 with cashback offers and tools for everyday shopping. Members browse promotions from partner merchants in the app and may receive part of an eligible purchase back as a reward. The platform groups offers across groceries, pharmacies, fashion, travel, technology, entertainment, and home services; terms and rates depend on the merchant and campaign. Some offers are activated through the app or website, while others require a linked card, so reading the promotion terms before buying helps avoid confusion.

Citro Rewards works through a digital account and an app for iOS and Android. Users review offers, follow the stated links or purchase requirements, and track cashback in their wallet; under the program terms, a balance may be transferred to a nominated Australian bank account. A Chrome extension can remind users to access a merchant through a Citro offer. Cashback is not automatic on every purchase: the transaction must qualify and meet the program’s tracking, payment, and exclusion rules.

The company also offers Citro Card and Citro Account. Product documents identify Hay Limited as the card and account issuer, while Citrus Innovations Pty Ltd administers the rewards program and is an authorized distributor; those are different roles. This is a financial product with eligibility requirements, terms, and a product disclosure document that consumers should read before applying. Citro’s community also publishes articles and guides about retirement, travel, health, and decisions for a new stage of life.

Citro handles questions by chat, email, and phone. Published phone support hours are Monday through Friday, 9 a.m. to 5 p.m. Sydney time. The company operates from Sydney and provides support for questions about offers, transactions, and rewards. To use the service effectively, check whether an offer applies online or in-store, which payment method it accepts, and what confirms an eligible purchase. The app can bring rewards and deals together, but their value depends on participating merchants, meeting the requirements, and when rewards are credited.