Just got an email from NAB letting me know that they will be moving me to the new MyCard. I wonder if this is the end of the annual fee free for life on the original Citibank premier card.
https://www.mycard.com.au/#accordion-a078a935eb-item-1cdf853…
Importantly in the variation notice under the annual fee bit: “‘Your fee’ in the table above refers to the Annual Fee amount that you’re currently paying, including any promotional discounts or waivers.”
Paragraph 11 to the proposed Credit Card Terms and Conditions reads:
'We may change the terms and conditions applicable to your Account, including changing any condition, APR and fees and charges.'
On Page 4:
"We may change any of the terms and conditions that apply to your Account, including your Credit Limit, by reducing it, Annual Percentage Rates, fees and charges, the calculation of repayments and other Account features."
A unilateral and absolute discretion to the Bank to charge fees.
This looks a lot like their Citibank Plus playbook.
If there is significant cardholder outcry, expect them to try dividing and conquering cardholders by offering a fee waiver.
Which wavier of course is only going to be for a season.
Read the comment by Wyler in particular.
Read my comments also if you want to understand NAB's strategy.
https://www.australianfrequentflyer.com.au/community/threads…
We all have good reason to be suspicious of NAB given the forthcoming change to the transaction account to start charging fees.
However, in this case, the representation was that the fee was for life, and the unilateral variation clauses can potentially be unfair under sections 12BG and 12BH. However, the UCT regime is uncertain.
@MELso: Started a new thread my friend.
https://www.australianfrequentflyer.com.au/community/threads…
We have to be very single minded, hence the following:
"Please do not be offended if you are a doomer, clandestine operative, suppressor of narratives, hornet, wasp and/or bee keeper and are ignored."
@Peck: The migrated Citi Plus -> NAB Classic accounts currently have a waiver on foreign transaction fees, but NAB has indicated the waiver’s going in early November so you’ll be hit with a ~3.5% fee paying in a foreign currency.
@MELso: All the benefits will vanish. I will get rid of that account.
I'm guessing the fee-free telegraphic international transfer will be gone too.
The number of unfounded claims, speculation, and frothing in this thread has been hilarious to read.
All coming from people who fail to accept that nothing in this world is forever. Let go of your past demons and enjoy life.
It's just financial products we're talking about and there are plenty to choose from.
If you are a retired person it is not easy to obtain ‘plenty’ of other financial products.
You might think banks take in consideration an allocated pension (income stream) but that hasn’t been my experience.
Everyone isn’t in the same boat.
One should consider whether the 'retired person' has capacity to repay.
It will not surprise me if, in the future, banks seek to reassess those sorts of customers.
1.2mil income stream paying me a minimum 4% per year and have documentation detailing a $3000/ft withdraw.
But sure. Stick to your delusion.
1.2mil paying a minimum 4% per year but have documentation detailing a $3000/ft withdraw
I wasn't referring to your specific circumstances.
I think NAB should reassess you. Sounds risky to me. You could blow that money in an instant.
@Eeples: Holding a credit card isn't an essential product or service.
If you can't obtain credit, use a debit card.
@YesPleaseThankYou: Anyone could just as easily lose their job.
Of course a CC is essential for hotel rooms and hire cars for example.
But you are missing the point.
I think you should stop digging.
@Eeples: Im with Eeples on this one… technically, credit risk assessment is meant to be for the customer.
The way they treat self wealth created individuals/ retirees is terrible.
I never realised it until I saw my parents get rejected (regardless of financial assets).
A young person losing their job and being mortgaged / rent to the eye balls seems far more risky to me than ole mates blowing the $1.2M they spent 70 years accumulating in one night. I can confirm even if ole mate also held $1m+ in property and shares…would still get rejected.
In summary, I'm with Eeples. If they are taking away a retirees or person's at risk credit, then they need to have a way to replace it.
It might sound 'entitled', but there are far more worse examples of this in the modern world. Ie. Discriminatory employment laws. Why cant anyone employ whoever they want, when they want… same needs to apply to banking. Banking has been immune for far too long and has too much leverage. Needs intervention asap.
^^^This is the reason consumers are being walked over all day in this country.
I don't fail to recognise nothing is forever, however, I also recognise when a product is marketed as 'free for life' that should be honoured or it is misleading. And misleading consumers has consequences whether that be reputational or legal.
Take your enshitification cheerleading elsewhere. You're on a bargain forum.
I also recognise when a product is marketed as 'free for life' that should be honoured or it is misleading.
And NAB continues to honour that.
More useless frothing.
What's your purpose here?
@electric boogaloo: I'm sorry that you can't accept that NAB has said that existing annual fee arrangements will continue.
If you are unable to understand the financial products you hold, there are many community organisations that can help you with this.
@electric boogaloo: This isn't a dating site. If you are lonely, maybe try your local club or community centre.
I just want a fee-free credit card with reward point. what are my option if mycard start charging fees?
NAB has already said that it isn't changing the annual fees.
If NAB changes its position, you can consider that available products and your personal circumstances at the relevant time.
NAB has already said that it isn't changing the annual fees.
Link?
@YesPleaseThankYou: You are making a jump to a conclusion about no changes to the annual fee that isn’t justified.
I don’t think your comments here are in good faith.
You are making a jump to a conclusion about no changes to the annual fee
It's there in writing for you.
I don’t think your comments here are in good faith.
Mods: please change thread title to 'boomer speculation thread'.
@YesPleaseThankYou: The conditions on MyCard has nothing to do with our current situation. It says nothing about the fees when migrating from the Citibank branding.
You know this.
@Eeples: Are you OK?
The conditions on MyCard has nothing to do with our current situation. It says nothing about the fees when migrating from the Citibank branding.
The new terms and conditions are what will apply when the products transition from Citi branding to MyCard. It's not that complicated.
I'm sorry you can't seem to comprehend this.
@YesPleaseThankYou: They will apply AFTER the transition. (As they are MyCard T&C).
Not FOR the transition as you claim. Unless you have a link?
@YesPleaseThankYou: Why would the current MyCard T&C be applicable to the transition?
You have no answer. Because it doesn't make sense that it would.
I enjoyed playing.
@Eeples: Hi Eeples,
Even if NAB ever states that it isn't changing annual fees (a proposition has not been established to my satisfaction yet) that isn't the end of the matter.
Migrating fee free for life Citibank card holders to MyCard opens up endless possibilities for NAB.
You can stay up to date with the latest here:
https://www.australianfrequentflyer.com.au/community/threads…
There is a reason why my post ends with the following words:
"Please do not be offended if you are a doomer, clandestine operative, suppressor of narratives, hornet, wasp and/or bee keeper and are ignored."
A doomer or any of the above only provides unsubstantiated assertions. Never concrete analysis.
You can decide what is true for yourself.
All the best!
@JohnGlav: You are a lawyer?
I cannot decipher what you are trying to convey with the above post.
And this:
You can decide what is true for yourself.
MyCard is morphing into MyTruth.
I think let's wait for more details before going one way.
Judging by what NAB said and shown, I think there will be an effort to entice existing FFFL customers to jump into the new MyCard ecosystem and their new T&C before gradually deprecating MyCards over time.
On balance, i think the lawyer dude is right. Rage quitting will play into NAB's card.
i think the lawyer dude is right
This one?
I need to correct myself.
Hi burningrage,
Paragraph 11 to the proposed Credit Card Terms and Conditions reads:
'We may change the terms and conditions applicable to your Account, including changing any condition, APR and fees and charges.'
On Page 4:
"We may change any of the terms and conditions that apply to your Account, including your Credit Limit, by reducing it, Annual Percentage Rates, fees and charges, the calculation of repayments and other Account features."
A unilateral and absolute discretion to the Bank to charge fees.
Migrating fee free for life Citibank card holders to MyCard opens up endless possibilities for NAB.
You can stay up to date with the latest here:
https://www.australianfrequentflyer.com.au/community/threads…
There is a reason why my post ends with the following words:
"Please do not be offended if you are a doomer, clandestine operative, suppressor of narratives, hornet, wasp and/or bee keeper and are ignored."
A doomer or any of the above only provides unsubstantiated assertions. Never concrete analysis.
You can decide what is true for yourself.
All the best!
Hi burningrage,
Here's my guess in regards to NAB's playbook:
https://www.australianfrequentflyer.com.au/community/threads…
In my humble opinion, that's one hell of a poorly formatted and rambling post. In that post, you even claim:
now I provide free legal opinions on the internet
That doesn't sound like something a lawyer should be doing without knowing each client's specific circumstances. Are you sure that you're a lawyer?
Feel less bad about having to cancel this one recently to get a loan approved.
came across this website https://www1.citibank.com.au/nab , showing comprehensive info about citi-branded cc transfer to mycard , if you haven't seen it
Thanks. Looks like rewards points carry over to the new system.
At 1:1 rate?
Just saw the full details about the change, effective from 24 Nov 2025
https://www.cdn.citibank.com/v1/augcb/cbol/files/documents/2…
In specific to "Free for Life" annual fee, in top of page 4 of the document
‘Your fee’ in the table above refers to the Annual Fee amount that you’re currently paying, including any
promotional discounts or waivers.
This seems to me that they intend to carry over “your current Annual Fee amount (including promotional discounts or waivers)” into the new regime
which seems "Free for Life" should be carried over too?
Cheers for this.
Whilst I no longer have my Citi Rewards FFL card, my bro still has his so keen to know if the FFL status continues.
Thank you for the very helpful information and summary.
The Variation Notice "will be effective from the Transition Date on 24 November 2025".
From that date:
"‘Your fee’ in the table above refers to the Annual Fee amount that you’re currently paying, including any promotional discounts or waivers.
Page 4 of their credit card terms and conditions includes the following:
We may change any of the terms and conditions that apply to your Account, including your Credit Limit, by reducing it, Annual Percentage Rates, fees and charges, the calculation of repayments and other Account features."
That statement is substantially repeated on page 38 of their credit card terms and conditions.
Can we see that at any time after 24 November 2025 the words "the Annual Fee amount that you’re currently paying, including any promotional discounts or waivers" can be deleted and replaced further to their credit cards terms and conditions?
In practice I expect NAB will wait 1-2 years before dispensing with 'fee free for life' benefit.
That would be consistent with their Citibank Plus playbook.
Please evaluate my educated guess as to NAB's playbook (which I typed up yesterday):
https://www.australianfrequentflyer.com.au/community/threads…
All of the above can hurt @junet who stated:
"I have the old paperwork on the fee free for life. It just says Annual Fee: $0 while you hold a Citibank Rewards Credit Card - Signature."
From 24 November 2025, @junet will not hold any Citibank credit card.
The words "Annual Fee: $0 while you hold a Citibank Rewards Credit Card - Signature" will have been neutered at the stroke of several solicitors' pens so to speak.
Better we do not give these ideas to them, publicly, in case they are reading this thread 😁
@whyisave: Appreciate your comments and you make a good point, thank you!
On balance I prefer to share SOME details publicly.
So cardholders who care don't close their accounts in a knee jerk manner without thinking carefully.
So cardholders understand what's happening and can unite to frame their objections to NAB appropriately.
Now NOT ALL details will be shared publicly.
That would make it far too easy for NAB. 😁
Nice detective work!
It looks like NAB may be taking a long-game approach.
Migrate all Citi Premier cardholders (paid and free-for-life) onto MyCard, quietly shift fee-paying customers onto NAB-branded products, and leave the free-for-life accounts behind, where benefits can be gradually stripped back without damaging NAB’s core brand. It’s a calculated way to reduce obligations while avoiding backlash. But in my view, the strategy risks more reputational damage in the long run. They may have been better off simply removing perks at the point of migration, rather than letting customers slowly uncover what feels like a deliberate and sneaky unwind
Yes they did exactly this with the citi debit card… they just removed the free international transaction fees recently
I have a few points sitting there for all these years
My 3 questions I will be asking before cut over date
Hopefully this is clarified so I can transfer the points out well before.
Kris has a 3 year hard expiry
KF points expiry is in tranches, based on which sets of points were transferred when.
A question Citibank Rewards holders need to pay attention to: the new Additonal Cardholder fee (no fee before).
Annual Additional Cardholder Fee (applicable to MyCard Rewards accounts): Card activation by the additional cardholder will no longer be required before this fee is charged.
So, potentially, as soon as transition, those accounts with additional cardholders could get a fee? Since activation is no longer required.
my understanding is other card types such as prestige and premier, additional cards are still free?
They were not specifically named, so one would think so.
But there is so much that needs clarification - including is the primary card still free? Unless I missed it, I could not find it specifically mentioned in the email.
Got off chat with Citibank. For now, after transitioning to MyCard
Thank you for sharing!
I'm still suspicious of NAB for the long-term but sounds like we're still good for now.
Just take this advice with the knowledge that anything a Citibank Philippines call centre employee tells you is worth exactly nothing and cannot be referred back to or used to back any claim against NAB whatsoever after the transition to MyCard. It would be akin to a law enforcement officer telling you possession of marijuana is absolutely fine and you've got nothing to worry about when you live in a state that has legalised cannabis possession. So you then pack your supplies and buy a plane ticket to Bali for some holiday fun…
I agree. I am sure those at the call centre mean well and try to help sincerely within the scope of their authority. However there is the all important issue of evidence. Notice how many corporates provide for ways to liaise with them which don't leave a clear trail of the evidence?
P.S. Those at the call centre can only act in accordance with instructions communicated to them. Do we think for a moment that NAB's entire playbook has been communicated to them?
Hint: I did not receive any playbooks when I was serving at WES legal. Board minutes and notes were not available for casual reading.
@JohnGlav: Have you ever tried responding with "I'm recording this phone call too" right after the message "We're recording this phone call for training purposes"? I have, and the response you get is anything but friendly and always results in the operator hanging up on you.
It's perfectly fine and above board and legal for the corporate to record you, but as soon as you level the playing field by also doing exactly what they're doing, that's not okay and they really, really don't like you doing that and will refuse to continue the phone call. Funny how that works isn't it?
Have you ever tried to obtain a copy of the recorded phone call at the end of the call? I have. There's a legal requirement for them to provide it but oh my god do they make it incredibly hard and a long process to get it. They make you post in certified signed letters by registered mail making the request. Then they will drag out the extraction of the recording for months claiming every reason under the sun why it's taking so long and how it needs sign-off authorisation by every middle manager right up to the CEO before you can get it. By the time you do get the recording, the dispute you had has been resolved another way and you don't need the recording afterall.
@Legoman: It is too exhausting my friend. I have to find other methods.
Have you considered sharing the two 'old Citibank fliers' here for the benefit of cardholders who care?
You can't imagine how useful these can be for cardholders.
For one flier, even 'blind Fredette' tweaked to the plain English meaning of 'no annual fee EVER'.
The other flier included the following words:
'This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009.'
The National Consumer Credit Protection Act 2009 is still a thing in 2025 and ASIC administers it.
@JohnGlav: The PDF is mine created by me when I applied for the card in Dec 2013. I obviously had the foresight to expect that this day would come eventually and so I captured the evidence of what I was signing up for and kept it. I have shared it previously in here in other Citibank threads about the Signature/Platinum FFFL cards. IIRC it was quite difficult back in the day to PDF websites that accurately. The software of the time was nowhere near as compliant as it is today in allowing print to PDF capturing of rendered websites as displayed. I think to get that much detail I had to use Internet Explorer and print to PDF from there to get it properly. It required a lot of trial and error before I got the result I wanted.
The 2006 Gold Card page is obviously just a scan of a paper print, but that's not mine. I got that from someone else who posted it in here.
@Legoman: Keep going my friend. You are over the target. The flak gunners have stopped "playing the issues" and are now "playing the man" - i.e. launching personal attacks at you. Consider these badges of honour.
The PDF is mine created by me when I applied for the card in Dec 2013. I obviously had the foresight to expect that this day would come eventually and so I captured the evidence of what I was signing up for and kept it.
Great foresight!
In the last few years, I started to take screenshots of Credit Card promotions too, and I also scan my documents too, for archival purposes.
I just did not keep the paperwork for the Citi Signature card, and I am pretty sure I threw out the original (from 2014) Terms & Conditions booklet too.
Thinking strategically considering the below…
Annual Additional Cardholder Fee (applicable to MyCard
Rewards accounts): Card activation by the additional
cardholder will no longer be required before this fee is charged.
For new additional cardholders added from the Transition Date,
the first fee will be charged when the additional cardholder is
added, or the account is first used (whichever is later).
This means if you leave any additional card holder requirements until the switch to MyCard, you'll be charged a fee. Currently under Citibank management it is fee free for all cards except Citibank Rewards ($90)
Adding an Additional Cardholder or requests for a Credit Limit Increase will be unavailable from 26 October 2025
There's the deadline for free additional cardholders right there.
From Citibank CSR chat we get the following:
I believe cards have a five year life. My old VISA card expired 12/22 and my current card expires 12/27 =
5 years, so does this mean additional cards would expire 12/30?
CSR: That is correct.
Ergo, if you have multiple family with individual discrete card accounts and are concerned/expecting NAB to be pricks and introduce annual fees, then to avoid exposure to future multiple annual fees, it makes sense to apply for additional card holder cards now before 26 October in order to just have them ready to go when annual fees are introduced. This way you can share one annual fee across multiple users instead of paying multiple annual fees for individual accounts. Do it before 26 October and you get the cards for free and they come with 5 year expiry dates into the future meaning you can avoid the MyCard brown for another 5 years. Leave it until after 26 Oct and you're paying a fee for additional cards and you get the phun of the brown.
I know which I'd prefer
My interpretation of that paragraph is that additional cardholders will be charged a fee under MyCard (regardless if they are activated or not when they transition across).
If you add an additional card once it has become MyCard, then the same fee can be avoided until it is used (logically that would be the later scenario…I don't know how you can use a card before it can be added). That last part of the t&c is weird.
But, could you link priority pass to a card that isn't being used? Unless you take in a guest, or over spend. Then there should be no use/ charges on the card (I think)? Unless there is a $1 test transaction perhaps?
"Annual Additional Cardholder Fee (applicable to MyCard
Rewards accounts): Card activation by the additional
cardholder will no longer be required before this fee is charged. - So it will be charged regardless if active or not.
For new additional cardholders added from the Transition Date,
the first fee will be charged when the additional cardholder is
added, or the account is first used (whichever is later). - Somehow you can use a card before it is added???
Just my interpretation.
I just received it as well. Now wondering what to do with my Citi rewards points…..
transfer to flybuys
Unfortunately I don't really use flybuys anymore. It looks like the other options available for me are gift cards or krisflyer FF points.
I would start to change my habits and learn to find ways to use Flybuys frankly. Your options are limited. You can transfer to Krisflyer and watch them expire into vapour, or you can buy giftcards with them and either watch the giftcard issuers call in the administrators ala Dick Smith and not honour the giftcard redemptions, or best case, you can redeem the giftcards to claim half (or less) of the monetary value you would have got from the points had you used them via Flybuys. The choice is yours.
@Legoman: Yeah, I stopped using flybuys because I'm not interested in my purchasing habits being tracked.
@endlesstrail: Good luck with that. Peter Thiel, Palantir and Sam Altman have already got your number on that. You already use Chrome or a version of it, because you have to because there are a great many websites that will not function or render properly in any other browser. Got a mobile phone? Of course you do because it's not possible to live in modern society without one. Got a credit card? Yes you do because you're posting in here. You've already admitted you're a member of a loyalty scheme in Krisflyer. What other loyalty schemes are you a member of? Ever used Google? Yes you have because it's impossible not to. Have a Gmail account? I bet the answer is yes. Use social media at all? I'll bet at the very least you use Whatsapp for messaging which is owned by Facebook even if you don't use Facebook directly.
You are pwned my friend… whether you know it or not. Unless you're living entirely off the grid like Ted Kaczynski, then you are pwned. But if you're Ted Kaczynski then how are you posting in here?
@endlesstrail: Use a computer running Windows 10/11? = pwned
Facebook/Twitter/Instagram/Snapchat? = pwned
Drive a connected EV/Hybrid car? = pwned
Chrome/Gmail/Google? = pwned
Amazon/Temu/eBay/AliExpress? = pwned
Apple iPhone/Samsung mobile phone? = pwned
Watch anything on YouTube/Netflix/Disney+/Stan/Foxtel etc. etc.? = pwned
Wearable gadgets like fitbit/Apple watch? = pwned
Use a credit card or debit card or BNPL scheme? = pwned
Connected home with mobile phone operated security system/lights/reticulation/survelillance cameras/garage doors? = pwned
Own a dishwasher/oven/fridge by Bosch/LG/Samsung with HomeConnect features? = pwned
Use wifi exclusively instead of hard fixed cabling for internet? = pwned
Got a MyGov account for Medicare/Centrelink/ATO? = pwned
Use a MyID to log into MyGov? = even more pwned
Very soon, eKaren Julie Inman-Grant is going to make it mandatory for you to have MyID digital ID to be able to do anything and everything. When that happens… we are all pwned forevermore, whether we're Flybuys members or not.
Believe me, Coles knowing what your favourite flavours of Arnotts Shapes are is the very least of your worries!
@Legoman: I'm taking active steps to reduce my reliance on big tech. It's a slow and steady process and occasionally painful but it is a marathon, not a sprint. Thankfully, I've managed to cross off almost half of your list.
@endlesstrail: Your best bet would be to just transfer to flybuys and then you can redeem your flybuys points for gift cards on their platform. You could exchange for Coles or another gift card, which would prevent your spending habits from being tracked (as far as individual purchases I guess. They'd still have data on what gift cards you redeemed, but minimal in the grand scheme of things. Probably could even set up a burner email and fake details if you don't mind breaking their T&Cs
Yes I think transferring to flybuys is the best option for most of us with citi rewards cards. I will wait and watch for little but most likely transfer to flybuys start of nov
Very informative.
I had a Macquarie Hilton Fee Free for life lost the free nights then it changed to Qantas then is changed to Macquarie points then last month they want to start charging me $249 for a useless card compared to others in my opinion. I tried to fight the fee for free life offer Macquarie said nup new TNC’s now. I had a good run with it and would have put up a stronger fight if it was a good card.
Keep me informed if you do a class action with Citi/NAB for loss of fee free for life I am sure one of those class action lawyers are willing to assist for a slice of the action. 🤣
Wow, that's loyalty points devaluation on speed! I'll bet you're glad to be rid of it. I would be!
Looks like the NAB moles are out in force to stifle dissenting voices.
Over the Target!
Neg away, your anxiety is showing.
Class actions may not be necessary.
There are several ways to skin a cat.
Happy to join in on the skinning 😉
My draft letter to Citibank/NAB has been ready for several days. However it keeps getting changed as more information becomes available. This is inevitably the way with all things legal. If there is a PM functionality, I will be happy to share the draft at the correct time.
Some may consider that my views have their basis in paranoia.
There is a chance they are correct. It is not a zero percent chance.
If they are correct, then NAB will be a benevolent manager of MyCard and all cardholders should be no worse off.
I would be very happy with this outcome and very pleased to be 'wrong'. It's not about me.
Then again there may be a modicum of truth to my views. It is not a zero percent chance.
If my views are correct in some way, NAB will not be a benevolent manager of MyCard and by the time most cardholders wake up to their reality and intentions the bird will have irrevocably flown the coop (through clever legal manoeuvring, techniques and wording of terms and conditions amongst other things).
Little by little the frog can be boiled and the goose can be cooked.
Law is not about certainty by the way.
In a civil case, the test is 'a balance of probabilities' - not a zero percent chance of error.
In a criminal case, the test is 'beyond reasonable doubt' - not a zero percent chance of error.
Each cardholder should consider and decide what's best for their circumstances.
Agreed JohnGlav
You need to be prepared to be prepared for any event
More chipping away at benefits. Looks like KrisFlyer conversion is not long for this world.
From the internet banking page: “ Changes to Points transfer partners: Cathay Pacific, Etihad Guest, Singapore Airlines KrisFlyer and Qatar Airways Privilege Club will no longer be available as Points Transfer redemption partners effective 16 November 2025.”
Damn, I have planned to go to Singapore next year using my points.
Can't find any reference to Changes to Points transfer partners from AU website. Can you share the link please?
Did a live chat with Citi and got a response saying fee free for life (Premier) stays for now. Was advised we'd be given 30d notice if anything change.
Found this link with T&Cs prior to and from 24 Nov 2025:
https://www1.citibank.com.au/help-and-support/useful-forms-a…
For e.g. the main Prestige benefits stays for now in MyCard:
https://www.cdn.citibank.com/v1/augcb/cbol/files/documents/2…
with the following opening:
"MyCard Prestige cardholders are entitled to access a range of privileges. These include hotel and travel discounts and dining benefits. We may, acting reasonably, vary these benefits Terms and Conditions from time to time. We will provide at least 30 days’ prior notice of changes unless we reasonably consider the change to be non-material in nature. We will give you as much notice as is reasonably practicable for any non-material changes to these Terms and Conditions, and we will either publish this on our website or otherwise notify you at the time you redeem your benefits.
Our promise to you
We will exercise any rights or discretions that we have under this agreement in a fair and reasonable manner. That includes whenever we are:
a. forming an opinion about a matter, including where we must be satisfied that something has or has not occurred;
b. considering any request you make;
c. deciding whether to give our consent or to exercise a right, discretion or remedy;
d. setting any conditions for doing any of those things; or
e. making changes to these MyCard Prestige Credit Card Benefit Terms and Conditions.
I'm also with lawyer dude. Stay put for now and see how it unfolds.
Wow, I'd never heard of this Uber premium credit thingy… how does that work? Is it already a benefit?
Where are you finding this information please? My search doesn't show up anything.
Edit: Nevermind. It's there when you log into your citi account.
I already started doing some research, and I have actually been wondering whether the Commbank Ultimate Rewards card would be a better deal than the Premier card, even if I don't pay annual fee for Citi at the moment. The Commbank Card doesn't charge overseas/currency conversion fees, seems to get slightly better rewards for points (possibly more points, though that's difficult to determine), and as long as you funnel >$4k/month through it, it's also fee-free. It also gets Airport Lounge passes, though I never got to use those for Citi Bank. I've been stuffed around a bit by "Priority Pass", which stopped automatically renewing it, and last time I tried to apply it suggested I wasn't eligible (?). I gave up on that.
Right now I use Citi Premier for domestic spending, but Bankwest Zero Platinum for overseas expenses. But after Bankwest Zero Platinum got rid of their free travel insurance, I'd be happier to roll both into one.
@Make it so
If it helps, I had the CBA card, and everything about it was horrible. It has a spend tracker (so you can see if you spent your $4k…doesnt work properly), the balance remaining on the card was wrong, it randomly got blocked from buying crackers at woolies, it once said unsufficient funds…when it only had $2 used. Support took forever to contact, and then couldnt work out the issue…
I also think there are now O/S fee's (not sure). I've had my banking with maybe 15+ banks…CBA has been the worst.
https://www1.citibank.com.au/help-and-support/useful-forms-a…
Updated T&C's for the MyCard at the bottom in the Credit Cards section