This was posted 1 year 7 months 6 days ago, and might be an out-dated deal.

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Citi Prestige Credit Card: 300,000 Citi Rewards Points ($7,500 Spend in 60 Days), $350 First Year Fee (Save $350)

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Citi Prestige Credit Card: 300,000 Citi Rewards Points ($7,500 Spend in 60 Days), $350 First Year Fee (Save $350)
Go to Deal
SoulButter on 03/10/2022 - 22:50 www1.citibank.com.au (10885 clicks)
Last edited 04/10/2022 - 09:56

Key Points:

  • $350 annual fee in the first year (save $350).
  • 300,000 Citi Rewards Points when you spend $7,500 on eligible purchases within 60 days from approval.
  • Points redeemable for $1,500 in gift cards, $1,150 profit after annual fee. (According to rwrds)
  • $20,000 minimum credit limit, $100,000 maximum.

Extra Perks:

  • 4th Night Free: Enjoy your 4th night free when you stay four consecutive nights at a huge range of hotels.
  • Luxury Escapes: Enjoy 10% off Limited Time Lux Exclusive hotel offers (up to $500) and international tours (up to $250) until 1 March 2023.
  • Priority Pass: Unlimited complimentary access to over 1,200 Priority Pass lounges around the world for you and one guest.

Edit: Spoke to Citi live chat, they state the hard requirement of income has been removed. I was told I would still be eligible for the points despite currently holding a Citi rewards card. Looks like they've removed the one promo a year cap for this card, YMMV of course.

Financial Credit Card MasterCard Reward Points

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closed Comments

        • Homr on 04/10/2022 - 16:03

          Thanks, I might have to review when my transaction ends and extend it to end on Oct 2023

          I'm currently transferring 15k each month so that's approx $66 in reward points so it almost pays for my Superloop NBN

    • yoshiiiii on 04/10/2022 - 16:12

      Checkout this comment by chillysbags

      Ppl have been told it's extended to October 2023 but you should double check with citibank directly.

  • Boomer85 on 04/10/2022 - 15:41

    What is the income requirement?

    • jackwilk on 04/10/2022 - 15:56

      I just called them - apparently no definite income requirement. She told me to apply and then something along the lines of "they assess if you can afford making the repayments", sorry I can't repeat her exact words.

  • ufwpd on 04/10/2022 - 16:54

    General CitiBank question - do they pro rata the annual fee for credit cards? I’ve had the Premier for 2 months and would cancel it for this.

    • doweyy on 04/10/2022 - 16:57

      Yes, unless they've changed after the NAB merge, I've always received pro-rata from Citi.

      • timhn on 04/10/2022 - 17:50
        +1

        With Citi, i believe you have to request for that - at least with my last experience with them.

  • Alialh on 04/10/2022 - 21:17

    Can’t decide between this and converting to emirates or getting a card with QFF and booking rewards flights
    QFF is very difficult to book business rewards, costs 240k + 2k tax to book a return to Middle East
    Meanwhile emirates costs 2k for an economy ticket and 120k points to upgrade to business
    Thinking of ditching qantas and going with Citi then converting to emirates (3:1 transfer)

    • GoodQuestion on 04/10/2022 - 21:55
      +1

      As a QF gold i found business rewards flights non existent so I stopped accruing qantas points, total waste of time IMO. But YMMV

      • [Deactivated] on 04/10/2022 - 22:34

        Minimum 6 months, often 9 months+ advance booking required for QF business reward booking.

  • Robot16 on 05/10/2022 - 00:32

    I am stuck between this card and the ANZ Black 160 points for existing customers.

    Has anyone compared the two?

    • littlesoldier on 05/10/2022 - 02:07
      +2

      Apply both at the same time
      Credit check might not able to know the other card exist :)

      • Robot16 on 05/10/2022 - 09:16

        Hehe. If only I had enough to spend across both cards :-)

      • Robot16 on 05/10/2022 - 10:59

        Actually the RWDS site compares the benefits on the two. Spend more on citi and get more rewards

        • littlesoldier on 05/10/2022 - 14:08

          Just on rewards aspect Citi might be better
          But if you are after lounge access
          Citi Prestige give unlimited priority pass which worth a lot if you do lots of international travels
          ANZ qantas black points count towards Qantas Plus Plus membership
          And getting complimentary Qantas Club if you get 350k points

          So at the end depends on your lifestyle and needs

    • firepowered on 05/10/2022 - 16:12

      which is the ANZ offer for existing customers? Do you have a link?
      Thanks

  • seanmilt on 05/10/2022 - 09:29

    What have people used Citi PayAll for? Understand we can't use it to pay a home loan… But assume practically, you can send $$ to your own bank account for your monthly rent etc, can you just send yourself $$ for one off expenses like flights to europe? Does PayAll count as a transaction toward the 7.5k spend? Thanks All

    • gadgetguy on 05/10/2022 - 09:56
      +2

      I can't see how Citi can tell anything about the destination bank account,so you can pretty much use it for anything. Regarding counting towards the spend, see my earlier post in this thread.

      https://www.ozbargain.com.au/comment/12755442/redir

    • timhn on 05/10/2022 - 11:01

      What have people used Citi PayAll for?

      Try this thread

    • danisssy on 05/10/2022 - 21:27

      Good question. The other thread didn't really answer whether it could be used for a home loan or not. Just that it "shouldn't", whatever that means.

  • freedomofspeech on 05/10/2022 - 10:49

    PayAll seems to count towards Minimum Spend

    • tobi3421 on 05/10/2022 - 10:54

      Hang on so if I use PayAll for my ATO tax bill, I’ll still hit minimum spend and get the points?

      • gadgetguy on 05/10/2022 - 11:07

        Check my post just above.

        • tobi3421 on 05/10/2022 - 11:36

          Amazing, thanks!

        • JohnSy on 05/10/2022 - 14:06
          +1

          How many points per dollar for Payall. Last year, I used payall and beemit for ATO tax. The Beemit transfers earnt twice as many points (with each beemit entry showing an additional "bonus points" amount in the points transaction list). I am guessing they were classified as retail spend but can't be sure. This was for a CitiPremier free for life card if anyone is interested.

    • asc on 05/10/2022 - 11:11

      doesn't payall attract any cash advance fee and interest?

      • freedomofspeech on 05/10/2022 - 11:13
        +2

        Correct, no fees until Oct 2023

        • asc on 05/10/2022 - 11:23

          thanks for that!

        • qq830821 on 05/10/2022 - 12:12

          where do you see this? i checked with Citi online and they advised its only until Oct this year

          • freedomofspeech on 05/10/2022 - 14:09

            @qq830821: We received an email stating an extension until Oct 2023.

          • littlesoldier on 05/10/2022 - 14:38
            +1

            @qq830821: screenshot of the email: https://ibb.co/JFP6BBz

            • qq830821 on 05/10/2022 - 16:20

              @littlesoldier: Thank you muchly. Strange it is still showing Oct 22 on their website.

              Hopefully this is not targetted

              • [Deactivated] on 14/10/2022 - 04:02
                -1

                @qq830821: this card specifically has it until oct 23, even lists that on the offer page

                oct 22 is for other citi cards with payall

              • spjkey on 17/10/2022 - 17:38

                @qq830821: Any luck with this?

                I just called Citi and they confirmed on their website that it is only valid till Oct 22

  • nnaa8287 on 05/10/2022 - 22:23
    -2

    So you guys are cancel the card after getting first half of the points or will continue to keep it for next year to get 2nd part of the points?

    • blue21 on 09/10/2022 - 16:49
      +1

      It seems like the points are awarded together. Where does it say in two halves?

  • abcde090 on 05/10/2022 - 23:54

    For this card, you earn 2 Citi reward Points per $1 on Eligible Transactions made directly with major: supermarkets, petrol outlets and national retailers. May I know what is considered a national retailer ? Does Citi provide any list on their website for specific retailers ? I guess national retailers will include Kogan or Amazon, right ?

  • Altf4z on 06/10/2022 - 00:18

    Can anyone confirm if paying council rates using Payall, beemit or sniip works with this card?

    • twistedbow on 06/10/2022 - 11:54

      not sure but you can use payall to pay yourself (to non-citi bank account) then use that money to pay bills.

  • twistedbow on 06/10/2022 - 11:57

    did they extend payall 0% fee promo to oct 2023? pretty sure it was oct 2022 or is it only for specific cards or customers?

    • [Deactivated] on 10/10/2022 - 01:47
      +1

      For all Citi PayAll payments set up between 1 April 2021 to 31 October 2023 (the Period), the Citi PayAll fee will be reduced to 0%

      from the offer page

  • gadgetguy on 06/10/2022 - 12:41
    +1

    How long did people take to get approved? Submitted 2 days ago, with evidence. Status just says in progress.

    • carlenet on 06/10/2022 - 12:53
      +1

      Within a couple of hours yesterday afternoon.

      • gadgetguy on 06/10/2022 - 18:58

        Just got the approval.

        OMG $41.5k limit. That's way too much!

        • [Deactivated] on 07/10/2022 - 14:10
          +4

          lol that's why you always ask for the minimum

          • gadgetguy on 07/10/2022 - 14:16

            @[Deactivated]: That wasn't an option here I think.

            Anyway looks like I can request a reduction in the app. Will wait for the card first though.

            • carlenet on 07/10/2022 - 14:27

              @gadgetguy: It was an option when you were applying. I always go for the minimum as I just churn, unless of course the minimum won't cover the school fees that I time opening new cards to coincide with.

              • gadgetguy on 07/10/2022 - 15:46

                @carlenet: I think it said either accept the credit limit they assign, or pick your own, and I didn't know what the minimum limit was. I don't believe there was a "minimum" option.

                [EDIT] Just noticed, the minimum limit was posted on the deal. My bad.

    • hothot on 07/10/2022 - 14:28
      +3

      Mine is still not approved (or rejected), application date 04-Oct
      Have submitted all the documents at the time of application, but no update what-so-ever

      • Gumbootboy on 04/11/2022 - 16:33

        How long did it end up taking?

        • hothot on 06/11/2022 - 15:19

          It was eventually approved, I think around a week.
          They did called me to confirm some details on my application (my employment details)

    • littlesoldier on 07/10/2022 - 16:04
      +1

      I submitted application 2 days ago
      Login to check the status, still showing as "Pending for assessment"
      Did a Live Chat and been told it is still processing

      Didnt receive any calls or emails about the status tho

      • Gumbootboy on 04/11/2022 - 16:33

        How long did it end up taking?

        • littlesoldier on 04/11/2022 - 16:46

          Nothing happen until I called the Citibank verification hotline (1800 807 138)
          After verification got card successful message within 2 days

          • Gumbootboy on 04/11/2022 - 21:46

            @littlesoldier: Cool, thanks. Did you upload files as part of the application?

            • littlesoldier on 04/11/2022 - 21:47
              +1

              @Gumbootboy: Yes I did
              When I call the verification hotline the lady asked me some questions regarding the documents I have uploaded (eg. payslips)

  • AznVinc3nt on 06/10/2022 - 13:31

    Anyone getting rejected from credit card applications lately?

    I've been rejected twice (St Geroge and Qantas premier) in a row even though I've never defaulted and my income is way more than enough to service the credit amount.

    The only thing I can think of is that I've been churning for the last few years and have churned through 14ccs already.
    Not sure if that's the reason.
    They put down the reject reasoning as: past relatinship with lender? what does that even mean. I've always paid on time and have never had any issues with the bank (and vice versa).

    Would like to know if anyone is experiencing this as well. Thanks!

    • SoulButter on 06/10/2022 - 14:00
      +2

      I had been accepted for numerous CC's but got auto rejected for the CBA cashback card which had the lowest income requirement of all the cards I had applied for. Who knows at the end of the day what they are deciding.

    • doweyy on 06/10/2022 - 14:48
      +3

      You would have been denied for Qantas Premier if you had held a Citi/NAB product recently and closed. I believe they are more strict now on their white label products (such as Qantas Money, Coles Financial Services, Kogan etc) after the takeover from NAB. I got flat out denied by Coles Financial earlier this year without even a credit hit, because they saw I closed Citi Premier 3 months earlier.

      St George are well known for denying for no apparent reason, probably a similar thing to Citi whereby they most likely check applications internally in the WBC group against Westpac, St George, Bank of Melbourne, Bank of SA. They apparently are also a bit weird about opening a savings account to get the $0 AF offer, and opening a CC shortly after.

      After the outcomes of the royal commission, probably need to be a lot more vigilant when churning cards from the same company/group.

      • AznVinc3nt on 06/10/2022 - 15:57

        Great info. Thanks for sharing mate!

        it's crazy how you can qualify for all the requirements but then get outright rejected for a completely different reason that's not listed.
        At the end of the day, it just hurts the consumers' credit scores as their credit enquiries pile up for nothing.

      • [Deactivated] on 07/10/2022 - 14:08
        +1

        yeah i dunno i closed a nab card and then opened a citi and qantas card pretty close together (all nab products) without issue

      • Nand0sx on 07/10/2022 - 23:49

        I hope this will be the case for me as it has been processed without an update. I will be quite annoyed if it shows on my credit just because they dodn't want me as a customer because I held their card previously.

  • xdigger on 06/10/2022 - 16:13

    I'm wondering if I can use PayAll to my own bank account to meet the $7500 spend immediately?

    Edit: I also have a Citi Premier card but will check if I can get this new Prestige with bonus points.

    • Altf4z on 06/10/2022 - 17:31
      +1

      Yes you can use payall.
      You can still get the points even if you have another card, but getting the card may be difficult.

  • seanmilt on 07/10/2022 - 09:43
    +1

    Surely a premium card, with lounge passes, hotel benefits etc, its a bit tight of them to have a 3.4% international transaction fee and an assessment % fee too…

  • xdigger on 07/10/2022 - 12:18

    Is it possible to convert the 300,000 Citi Rewards Points into cashback on the credit card? I shop at my local IGA so don't really need the $1500 Coles/Woolies vouchers. Suggestions?

    • SoulButter on 10/10/2022 - 10:28

      Cashback is apart of their rewards system but doesn't give anywhere near the yield that gift cards give. You can redeem them for other brands like Apple, JB, Good Guys, Dans etc.

  • mrhorse on 07/10/2022 - 12:25

    Can you convert the citi points from a prestige card to Asia miles?

  • prisonmike on 07/10/2022 - 20:57

    Applied yesterday and got approved today after submitting the recent payslip.

    • littlesoldier on 07/10/2022 - 22:58

      Did they email or call you to submit?
      I went to the application status and has no way to add more documents

      • prisonmike on 07/10/2022 - 23:16
        +1

        You will get a confirmation email first with the link to check the status. From that link you can upload additional docos. They also called me this morning to provide bank statement for name check. After that my app went into additional check and by 7pm AEDT I got an email confirming that the card is approved

        • littlesoldier on 07/10/2022 - 23:25

          Thanks mate

          When I go to the check status link, this is all what I can see: https://ibb.co/JzYxYbs

          There's no option to upload documents either

          When I call Citi number they couldnt even find my application

          • prisonmike on 08/10/2022 - 01:32
            +1

            @littlesoldier: Then wait for them to call back and provide them any additional docos while on the call itself. That way they will be able to process the app faster (hopefully).

            • littlesoldier on 12/10/2022 - 00:07
              +1

              @prisonmike: I called the Citibank verification hotline 2 days ago (1800 807 138)
              and the lady on the line has confirmed a few income verifications

              Today late afternoon received application success SMS and email

  • bidam1 on 08/10/2022 - 01:01

    Is expiry date actually 2023?

  • prisonmike on 09/10/2022 - 07:58
    +1

    Has any got their card delivered yet? How long did it take once your were approved?

    • timhn on 09/10/2022 - 10:17
      +1

      Usually just about 5-7 business days. If you have Citibank app (only if existing customer), you can add the digital card to Wallet.

      • gadgetguy on 09/10/2022 - 10:33

        My card has been added to my existing Citi app but the card is marked inactive. So it's no use until the physical card arrives.

        • timhn on 09/10/2022 - 11:55

          Is it an Android phone? It didn't work for me on Android phone until I use the app on iphone

          • gadgetguy on 09/10/2022 - 13:04

            @timhn: So what "Wallet" are you referring to - Apple? Or you can add to Google Wallet on iOS devices?

            TBH I'm only going to use this for PayAll so I need to wait anyway.

            • timhn on 09/10/2022 - 13:28

              @gadgetguy: Added to Apple's wallet on iPhone via Citibank app installed on iPhone.

              Added to G-wallet on Android phone via the Google Wallet app with the physical card.

          • ozbargain2019 on 09/10/2022 - 13:23

            @timhn: I’m on iPhone and an existing Citi customer. The only option available is to activate the physical card.
            When I try to add it to my Apple wallet it says that it’s failed. Is there a seperate section to activate the digital card?

            • timhn on 09/10/2022 - 13:31

              @ozbargain2019: I believe it was under the card's Manage button.

              • ozbargain2019 on 09/10/2022 - 13:52

                @timhn: Strange, nothing there for me. Under the manage card button it says ‘Card Disabled’ with nothing to click on and then goes straight down to track your card.
                Will just have to wait the 5-7 days

  • maiuspala on 09/10/2022 - 14:06

    Am i eligible for points with this card if I have just closed my Suncorp Clear Plat, which is provided and issued by Citigroup? And I also closed a citi issued Qantas Premier Plat card 10 months ago?

  • carlenet on 10/10/2022 - 18:31

    Approved late Wed, card in hand the following Mon morning. Excellent!

  • d14a028c2a3a2bc9 on 10/10/2022 - 20:42

    Anyone knows when the points are credited? I've met my spend.

  • asc on 11/10/2022 - 15:14

    from T&Cs: All Citi PayAll payments and Citi PayAll Fees we charge to your account will be added to the retail purchase balance and the Retail APR will apply to them.
    Can anyone confirm if the current payall fee of 2% having been waived, the retail APR will apply even if it is paid in full by the bill due date?

  • littlesoldier on 12/10/2022 - 12:15

    Anyone knows if I got both Premier and Prestige
    After getting the 300k rewards point and cancelled the Prestige card
    Will the points still remains in the reward balance?

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