Any Benefits of Using a Citibank Card

trinkasharma on 03/05/2018 - 20:13

I have a Citibank card who has charged me interest which I cannot understand. It was like 5.2 AUD etc though I had cleared my bill in full. I was able to get it reversed once as well. But I forgot to pay my 113 AUD by 30 Apr again.

I mostly shop at Aldi in cash or at Gumtree where the card is not much useful.

I use these
Zapals, ebay Aus, Ebay US.

Rest of things are like Myki, Optus etc.

Do I need a card for Cashewards etc?

Will I be losing anything if I close this card? In case I do then I will set direct debits, Weekly alarms to settle my bills.

Please let me know if I need to clarify something.

Financial

Related Stores

Citibank Australia
Citibank Australia

Comments

  • Tech5 on 03/05/2018 - 20:27
    +1

    Unless you want to accumulate points for frequent flyer programs, it is not the important

    Benefits are:
    1. Frequent flyer points
    2. Purchase protection, Travel insurance, lounge access etc.
    3. Fraud protection- someone using your card won't be spending your money
    4. Improves credit score, but not that important if you pay other bills

    If these don't matter to you, just use a debit card

    • trinkasharma on 03/05/2018 - 20:46

      Thanks for the points

      1.I rarely fly.
      2.Most expensive things I get used from gumtree or still get the standard Aus Guarantee.
      3. Fraud protection seems interesting.
      4. I make rental, AGL gas and Optus ADSL payments.

      • Tech5 on 03/05/2018 - 20:56
        +1

        Debit card has fraud protection too, its just than some banks won't give you back your money till investigation is complete

  • frostyboy on 04/05/2018 - 02:21

    you also get a free bottle of wine with using a citi bank debit/credit card at participating restaurannts.

  • trinkasharma on 04/05/2018 - 09:24

    OK. One more question.

    Is there any place where debit cards will not work and I need to use a credit card?

    • Drphods on 04/05/2018 - 13:28

      I was in Bali recently. They would accept my Citibank Visa Credit card, but wouldn't accept my Citibank Visa Debit card.

      • Tech5 on 04/05/2018 - 18:18

        Thats wierd. They accept my mastercard debit (which is what all citibank plus cards are now)

      • trinkasharma on 04/05/2018 - 20:48

        But did the ATMs work for your debit card? And what did work there? NAB?

        • Tech5 on 05/05/2018 - 00:22

          I would say 80% of the ATM's there worked, if not 90%. This was in both Bali as well as a rural town in Java.

Login or Join to leave a comment
Login Join