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Citi Prestige Credit Card: 300,000 Citi Rewards Points ($10,000 Spend in 90 Days), $350 First Year Fee (Save $350)

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Citi Prestige Credit Card: 300,000 Citi Rewards Points ($10,000 Spend in 90 Days), $350 First Year Fee (Save $350)
Go to Deal
RGV on 15/02/2023 - 18:55 www1.citibank.com.au (7020 clicks)
Last edited 16/02/2023 - 09:11 by 1 other user

Minimum spend increased from $7,500 in 60 days to $10,000 in 90days

Copied from Previous deal https://www.ozbargain.com.au/node/728311

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(rwrds.com.au))
$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.

According to comments, a minimum annual salary of $150,000 is required for applicants

Financial Credit Card MasterCard Reward Points

Related Stores

Citibank Australia
Citibank Australia
MasterCard AU
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closed Comments

    • CodeXD on 11/03/2023 - 15:35

      Yep it is legit. I made a payment of $20 and I received an SMS asking if I want to redeem 5k points to pay it off.

      It wasn't worth it in my case because if I convert the points to flybuys at 1:1, it only takes 4k points for $20.

  • mikeadwell on 11/03/2023 - 17:21

    With a statement date of the beggining of the month and a "Payment Due Date" of the 16th of the month, what dates are recommended for the PayAll debit and the returning credit card payment, taking into account Citibank's wacky dates where the PayAll usually doesn't happen on the day you suspect?

    PayAll on the 17th and transfer from other bank account, back on the 12th (allowing for weekends, public holidays, Citibank wackiness, etc.)?

    • timhn on 11/03/2023 - 17:28

      This is how i setup my PayAll.

      • mikeadwell on 11/03/2023 - 20:50

        Thanks - that link doesn't seem to work, for me at least.

        • timhn on 12/03/2023 - 09:04

          It was pointed to my comment above.

          You would need to have enough fund in you account at least 3 days before the scheduled PayAll day.

          Eg. If your PA is on the 3rd, then you must have the money by at least on the 1st before 5pm.

  • Big Sexy Unit on 14/03/2023 - 16:51

    Didn't pay attention to the fact the date changed from 60 to 90, thought I was all good.
    Ended up missing the bonus points and therefore $350 annual fee for nothing aha
    Don't make mistakes like I did.

    • CodeXD on 14/03/2023 - 16:54

      Isn't it better that it is 90 since it gives you more days to meet the minimum spend?

      If you're sending $20k per month using Payall, you should already be within the spend.

    • johnmelb on 14/03/2023 - 16:55

      Not sure how this made you miss the deadline?
      Or did you not read the increased amount $7500 to $10000? And is that what made you miss the deadline (because you thought min. spend was less).
      It was quite clear to me when I signed up what min spend was - written in big font.

    • Big Sexy Unit on 14/03/2023 - 16:59

      Sometime between when I signed up and recently, I checked rwrds again and thought it was always a 90 day time limit. Been just over 60 days, realised it changed and the livechat are telling me promotions are valid from when signed up on the day, so it'll stick at 60 and can't be extended

      • johnmelb on 14/03/2023 - 17:02

        Oh I see, damn that hurts.

      • CodeXD on 14/03/2023 - 17:03

        That's a shame…

        That means you also haven't been taking advantage of the payall feature of this card!

      • cheaptech20 on 24/04/2023 - 17:19

        Make the money back by PayAlling back to yourself each month

  • cocomelon on 14/03/2023 - 17:27

    is my understanding correct? we can just do the payALL $10K to meet the spending requirement to get the bonus points of 300K?

    • 76F on 14/03/2023 - 19:59
      +1

      Yes.

  • cocomelon on 15/03/2023 - 20:55

    i dont see much of point transfer partners, only 6 airlines, thought it would have Hilton or IHG

  • Shaneeo on 16/03/2023 - 19:02

    Citi online banking and app is seriously buggy. After having app all setup and working with faceID to login, it suddenly locked me out. No option to login with password or anything, just error. Online banking on PC also won’t work now, presumably from multiple failed login attempts on app. Contacted support and they unlocked my account, reset everything and still not possible to login. The call centre just scratch their heads and say “I’m not sure”

    • Fancydancer on 17/03/2023 - 06:22

      Mine had a lock placed on it by security team, call centre figured it out when I suggested it as a possibility. Painful process.

    • johnmelb on 17/03/2023 - 12:15
      +1

      Try installing bitmart or binance app on android, it will then say your phone is rooted..
      Only found out after having uninstall dozens of apps trying to find what the issue was.
      (Phone isn't rooted btw)

    • Earthgurl85 on 21/03/2023 - 17:45
      +1

      Same thing happened. It was cos the security team put a block on my account as they saw my first payall transaction was for $20k. They thought it was a scam or something.

      Called customer service 3 times and they tried to connect me to security, but security team was so busy, requested callback twice. No calls received.

      At this point I almost wanted to cancel the card cos of a buggy app and bad customer and security service. Decided to call security again after 6pm. My call was picked up after a few rings and account unblock in 5 mins. After unblocking, the app login works again

  • johnmelb on 17/03/2023 - 12:19

    For those wondering about priority pass: it was possible in Sydney to go to 2 locations. I didn't try adding a guest , since I didn't have one.
    (A few days ago the lady in Melbourne asked the person ahead of me who the guest was and to provide flight details.)
    Let's hope they don't charge your card if they see you went to two locations for same flight …

    • 76F on 17/03/2023 - 14:54

      You can go to multiple locations on the same day, for the same flight.

      • johnmelb on 17/03/2023 - 16:13

        Was just wondering if this is in line with T&C's or if it's a loophole

        • timhn on 17/03/2023 - 16:45

          This is not loophole. Nothing in T&Cs said limit to 1 place / day.

  • ScrubCorps on 17/03/2023 - 22:54

    Got rejected as a contractor, >150k income. Is it because I have an active credit card with another company? I was looking to churn cards.

    • Rupture on 20/03/2023 - 14:18
      +2

      Hard to pinpoint tbh. I have an income over $100k but not close to $150k and already have a $15k limit card with ANZ which I declared. Approved within 3 hours of applying and only supplied a single payslip.

      • ScrubCorps on 31/03/2023 - 03:34

        Wow, I've got a 28k limit with ANZ as well. I might try call them up and see. Thanks for your reply.

        • nadan on 01/04/2023 - 22:17

          You would be wasting your time because they won't tell you the reason, just remember that you have to wait three months before applying again.

  • whey4000 on 17/03/2023 - 23:57

    After paying yourself using your initials or whatever, is it advisable to send the money to another bank before bpaying back to citi so they don't see it coming back from the same bank account, or is this unnecessary?

    • timhn on 18/03/2023 - 08:50

      They wouldn't know the transaction for what account from external bank. That's apply to all banks in the world. Unless the government request that information from the sending bank.

  • Rupture on 20/03/2023 - 14:19
    +1

    FYI - the $150k min income requirement is gone. Applied today and did not have to put a higher income as others suggested. Approved within 3 hours.

  • Jubs11me on 20/03/2023 - 20:01

    Just wondering , can I payall $20k to an account and then I can balance transfer this amount to another credit card with 0% fees for the next 18 months ? That way I can slowly pay it off and use this money into buying a new car or house etc ?

    • Beachberry on 21/03/2023 - 19:15

      What? It's just a transfer into a bank account. You can do whatever you want with it. You also do need to repay it or cop the high interest rates after the interest free period ends…

    • Nuggets on 24/03/2023 - 10:35

      Yes

  • spammingb on 21/03/2023 - 22:16

    How do people set up monthly transfers using PayAll? When you pay off the Citibank card, are you scheduling BPay which takes a while? Rotating between offset and PayAll so want to optimise days it takes to land money

    • wangasm on 22/03/2023 - 17:20

      I do the BPay manually since it's hard to schedule BPay payments without sacrificing some days because your PayAll deduction doesn't always come out the same day every month (it's subject to weekends, holidays, Citi randomness etc.).

  • varunbabu008 on 23/03/2023 - 08:55

    Hey. In which site do I book a hotel to avail the 4th night free terms and conditions ?
    I couldn't log into Thankyou.com

    • CodeXD on 23/03/2023 - 08:56

      expedia

      but they need to book on your behalf

  • nadan on 23/03/2023 - 14:14

    Finally my three months block-out is over and applied for it yesterday and approved today.

  • ShowMeDMoney898 on 23/03/2023 - 20:05

    I just tried to apply a linked Diners card but said it's ineligible. Did anyone manage to get a linked Diners to their Prestige card? Thanks.

    • JR63 on 23/03/2023 - 20:51

      I called up, and they were able to process one after a bit of discussion.

      • recession1 on 24/03/2023 - 08:12

        What’s the benefit of getting a diners club card added?

        • ShowMeDMoney898 on 24/03/2023 - 19:53
          +1

          Earn more points using Diners card but only a handful of merchants locally and may have higher surcharge. Woolies and Coles accept without surcharge.

          I got better exchange rates using Citi linked Diners vs 28degrees in Japan 5 years ago so hoping to use Diners again in Apr.

        • JR63 on 25/03/2023 - 14:49
          +1

          The Diners card earns 2 points/$ for transactions instead of as low as 1 point/$ for the Citi card.

          You can also link the Diners card to Paypal, which means you can earn 2 points/$ for those transactions instead of 1 point/$.

          The Diners card generally has a better conversion rate (fee free, but uses their own conversion rate) than the 3% fee on the Citi card.

          • recession1 on 25/03/2023 - 16:14

            @JR63: Thanks. This sounds worthwhile requesting for then.

            • JR63 on 26/03/2023 - 10:34

              @recession1: The international conversion rate isn't as good as the MasterCard/Visa rate though. It's ~1-2% from what I've read, just fyi.

  • gingerscale on 24/03/2023 - 15:49

    If i cancel my citi card does the priority pass still work for the 12 months

    • n0mad on 24/03/2023 - 15:58

      no

      • gingerscale on 24/03/2023 - 16:02

        Interesting they are a different company and different memberships, wonder how they link. All good thanks. When i used it at the airport they don't ask to see the card only scan Priority pass barcode

        • dn4hc on 24/03/2023 - 17:01
          +2

          Haven’t tested Citibank however with westpac it was canceled in the same month.

          • gingerscale on 24/03/2023 - 17:30

            @dn4hc: this is probs enough for me to see it wont work, Thanks for the info

        • timhn on 24/03/2023 - 17:27
          +2

          I believe PP probably charge to Citibank and they get a successful transaction or not. Like how you use you CC to pay something and if your card got locked or not enough fund in it, the transaction will get declined.

  • socheap on 25/03/2023 - 10:52

    Is this the highest points bonus Citibank card?

  • spkos on 25/03/2023 - 14:19

    Can anyone recommend the highest interest savings account to put the 20k in? I'm putting it in a commbank savings account atm but it's kinda piss poor 1.85% interest.

    spkos on 25/03/2023 - 14:19 (Collapsed - Offtopic. Show)
  • theabcd1234 on 25/03/2023 - 20:58

    Just want to confirm my understanding of the PayAll feature is correct, regarding this clause for this card:
    “For Citi PayAll payments set up from 1 April 2021 to 31 October 2023, the Citi PayAll fee is reduced to 0%. T&Cs apply.π”

    So if I set up a recurring PayAll with no end date (or an end date say 10 years in the future), before 31 OCT. 2023, I do not have to pay any Citi PayAll fee for the scheduled payments that occurs even after 31 OCT. 2023, is that correct?

    Thank you

    • CodeXD on 25/03/2023 - 21:06
      +1

      Payall have maximum end date of 2 years. So you'll need to set up additional ones starting from current + 2 years. Then current +4 years and so on. Capped at 10 years iirc.

      • theabcd1234 on 25/03/2023 - 21:19

        Thank you, so pretty much this 0% fee would apply only till 31 OCT 2025, would that be a correct understanding?

        • CodeXD on 25/03/2023 - 22:09
          +3

          No, you can go for 10 years.

          For example on 30th Oct 2023, you create the following payall:

          • 15th Nov 2023 to 15th Oct 2025
          • 15th Nov 2025 to 15th Oct 2027
          • 15th Nov 2027 to 15th Oct 2029
          • 15th Nov 2029 to 15th Oct 2031
          • 15th Nov 2031 to 15th Oct 2033
          • GreenRomeo on 26/03/2023 - 10:44

            @CodeXD: If I cancel this card, then wait for a week and apply the Premium card, will these scheduled payments remain the same or you will need to set them up again?

            • johnmelb on 26/03/2023 - 11:29

              @GreenRomeo: I don't see any reason why they would not cancel scheduled payments when you cancel your card.
              You would also not agree if they would come asking you to pay for charges on your cancelled card.

              I have 2 cards and was prompted to select which card I wanted it to be taken from.
              So pretty confident you'll have to set it up again.

              • GreenRomeo on 26/03/2023 - 14:28

                @johnmelb: Thanks for confirmation. I’ll make sure to set the payments again when I get the Premier card for long term use.

          • pyramid on 26/03/2023 - 14:33

            @CodeXD: Wow. Is this real or payall no fees ends on October 23?

            • CodeXD on 26/03/2023 - 14:38

              @pyramid:

              For Citi PayAll payments set up from 1 April 2021 to 31 October 2023, the Citi PayAll fee is reduced to 0%. T&Cs apply

              Also discussed here if you're interested

              • pyramid on 26/03/2023 - 14:39

                @CodeXD: It doesn't say recurring payment. So just confuse if I should setup 2yrs wortht of payment before 31st October to avoid fees.

                • CodeXD on 26/03/2023 - 14:41
                  +2

                  @pyramid: Click on my link above. The first dot point:

                  • Any recurring Citi PayAll payments set up during the Period will not incur the Citi PayAll fee for the duration in which those payments are scheduled to occur.
  • jenovax1 on 27/03/2023 - 16:10

    Just had my application declined. Strong income/credit scores with no active credit cards opened and one mortgage which I'm well ahead.

    Shame really so not sure what their target market is. Reckon it's worth calling to get them to review or will they likely say sorry can't share the reason for decline etc etc.

    Anyone got a declined overturned?

    • JR63 on 27/03/2023 - 16:21

      I don't think it hurts to call their application line to ask (1800 807 138), at worst they'll say they can't tell you.

      Was it an immediate decline? Otherwise clean credit history without multiple applications for CCs?

      • jenovax1 on 27/03/2023 - 16:35

        Just called them and got transferred twice. They can't specify the reason which doesn't make sense as how would I know if it's a data entry error or the assessor made a mistake?

        The girl said to send a written letter via post in order to get a re-assessment or further information as to why it was declined. That to me is extremely backwards and not a great experience with Citi.

        Clean credit, no multiple cc application.

        • JR63 on 27/03/2023 - 17:16

          Seems in keeping with what I've heard about Citi customer service unfortunately.

        • nadan on 27/03/2023 - 17:44

          The only option is to wait three months and try your luck again, they won't tell you the reason. I have been through this twice now.

        • timhn on 27/03/2023 - 19:33

          The girl said to send a written letter via post in

          Don't bother, but if you wanted, can try online page here.

          https://www.citibank.com.au/global_docs/kana/contactus_compl…

          Put your application reference number in there.

  • nedkelly199 on 27/03/2023 - 18:11

    Am on a hair above $100k and was approved when applying for minimum credit amount ($20k)

  • theabcd1234 on 27/03/2023 - 19:41
    +1

    Can you downgrade this card to the Premier card before October 2023, so you can still get the points but pay half the annual fee?

  • hiaaron on 28/03/2023 - 08:15

    I have both a Citi Plus transaction account and a Prestige card. Does anyone know if paying a credit card balance from Citi Plus is considered paid on that day? The screen said the transfer may take up to 1-2 days. I am not sure if the transfer made on the due date is still considered paid.

    • CodeXD on 28/03/2023 - 08:17

      Why not send something small across like $2 and see if it immediately increases the available credit on the prestige? That's a sure way to test.

      • hiaaron on 28/03/2023 - 08:21

        I did. It shows as pending on the credit card transaction list. It did increase available credit but did not reduce the current balance.

    • timhn on 28/03/2023 - 11:32

      Yes. Within Citibank network, it's instantly. The screen is just default message.

      Source : I have been doing that with this deal as it's faster to transfer from my non-citibank account to CitiPlus.

      • hiaaron on 28/03/2023 - 12:05

        Fantastic. Thanks.

  • asdfasdfasdfasdf on 28/03/2023 - 17:49

    Question: card received, activated, and payall set up. How do you transfer money back to Citi? I can't see any BSB/Acc Number. Or does it mean it can pay through the monthly statement when it's ready?

    • CodeXD on 28/03/2023 - 17:54

      Yes the monthly statement when it is available. Make sure you have enough in your account at minimum 3 days before the payall (you'll receive SMS and email from citi about this too).

      If you really must pay it back early you can use:

      Biller Code: 49502
      Reference: <your credit card number>

      Biller code source (click on How do I use BPAY to pay my Citibank Account?)

      You can send $1 to your account and make sure it works before paying the $20k

  • imkenz on 29/03/2023 - 16:46

    I had applied for the card last month while making my partner as supplementary and I just realised we are actually sharing the credit limit. Does anyone know if I could cancel her supplementary card and get her to apply one individually? Is she still be eligible for the 300,000 points?

    • Micky14 on 29/03/2023 - 19:12
      +1

      Yes. She will be eligible.

  • nadan on 29/03/2023 - 17:59
    -2

    This sucks and I thought it was $20k per card.

    A cardholder can make up to $20,000 (subject to available credit) in Citi PayAll transactions each calendar month across all Citi branded Credit Cards.

    • CodeXD on 29/03/2023 - 18:00

      across all citi branded credit cards

      If it was per card then it would say per card…

      • nadan on 29/03/2023 - 18:37

        I know that now, I didn't check the details.

  • cocomelon on 30/03/2023 - 12:49

    anyone try to double dip the luxury escape? combine payment 10% luxury escape code + majority of the balance on discounted giftcard + citibank prestige?

    • n0mad on 30/03/2023 - 15:28
      +1

      just looked at a booking I had at the beginning of the year where i had $2 left over from a gift card, see details below but the 10% was on the subtotal and the $2 credit applied after discount. not sure if it will work if applying a new gift card at the time of booking.

      if i recall correctly, you can only use 1 Citi discount code per booking though.

      see extract from my booking below

      26 Sep 2022
      Subtotal
      $2,824
      Promo Code
      -$282.40
      Credits
      -$2
      Total
      $2,539.60

  • Gravediggaz on 02/04/2023 - 15:37

    I got approved, my first time collecting velocity points, once I get the points do i need to transfer them to velocity?

    • JR63 on 02/04/2023 - 21:32
      +1

      Yep. They sometimes do bonuses for transferring (traditionally in early May), so worth looking out for that too.

      • whey4000 on 03/04/2023 - 18:25

        Any bonuses for transferring to flybuys in previous years?

  • longsighted on 04/04/2023 - 10:28

    My Citibank prestige card will be due for annual fee in few months time. I don't intend to pay the full annual fee of $700.

    I haven't intend to finish using up all my bonus points I received. I want to keep it for krisflyer, but don't want to transfer to Krisflyer as it expires in 3 years.

    Can i apply for another lower fee Citibank rewards card? After that cancel the prestige card. Hoping if the rewards points that I accumulated in Citibank will still be in my same account?

    Thanks for your enlightenment.

    • wangasm on 04/04/2023 - 10:47
      +1

      The points are tied to the card, not the account. So they are gone as soon as you cancel the card.
      There's no issue applying for a different card, you'll want the Premier for the same Krisflyer conversion rate. You could try ask if you can transfer the points to your new card but unsure if they'll let you.

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