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Citibank Credit Cards: Free Citi Payall for All Payments Set up from 1st April 2021 to 31st October 2023 (Normally 2%)

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Citibank Credit Cards: Free Citi Payall for All Payments Set up from 1st April 2021 to 31st October 2023 (Normally 2%)
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Team Ozgiftcards on 16/03/2021 - 17:56 www1.citibank.com.au (3661 clicks)
Last edited 18/10/2023 - 09:37 by 4 other users

Received in email. Maybe targeted.

Free points on your rents, and any other fees that normally don’t accept credit cards without a fee.

Email excerpt below:

We are writing to advise you of an update we are making to the Citi PayAll product feature available on your Citi Rewards Card.

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%:

• 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.

• Any Citi PayAll payments set up after the Period ends will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment.

• Any recurring Citi PayAll payments set up prior and after the Period will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment. This fee will apply to all recurring payments made for the duration in which those payments are scheduled to occur.

• From 1 November 2022, points will be capped at $20k per month or the lower of your credit card limit.

For more information on Citi PayAll, please refer to the Credit Card Terms and Conditions and Other Important Information and if you are enrolled in a Citi Rewards program, please refer to the Terms and Conditions of the Rewards program you are enrolled in.

https://www1.citibank.com.au/offers-benefits/PayAll1

This is a good guide:
https://www.pointhacks.com.au/citibank/payall/

Financial Citi Credit Card

Related Stores

Citibank Australia
Citibank Australia

closed Comments

    • leeroys_dad on 07/10/2022 - 14:06

      LOL they screwed up the expiry. Muppets

    • Team Ozgiftcards on 09/10/2022 - 08:21

      Did you confirm this with Citi directly?

      • ozbargain2019 on 09/10/2022 - 10:17

        I didn’t - just based on the website. It’s stated in two places, so assume it’s not a mistake?

  • ozbargain2019 on 08/10/2022 - 21:29

    Title needs to be changed to match expiry date

    • Cheapskate Paul on 09/10/2022 - 15:19
      +1

      No it doesn't.

      We previously notified you of a change to the fee for all Citi PayAll payments set up between 1 April 2021 to 31 October 2022. We have decided to extend this as follows:
      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%:

      • 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.
      • Any recurring Citi PayAll payments set up prior or after the Period will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment. This fee will apply to all recurring payments made for the duration in which those payments are scheduled to occur.
      • ozbargain2019 on 09/10/2022 - 15:28

        Where did you get that from? The website linked says it expires 31/10/22 in two places and in the FAQ it says;

        “ For all Citi PayAll payments set up between 1 April 2021 to 31 October 2022 (the Period), the Citi PayAll fee will be reduced to 0%.*

        *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. Any recurring Citi PayAll payments set up prior or after the Period will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment. This fee will apply to all recurring payments made for the duration in which those payments are scheduled to occur.”

        • Cheapskate Paul on 09/10/2022 - 15:31

          From an email sent to me on 13/9/2022

          • ozbargain2019 on 09/10/2022 - 15:33

            @Cheapskate Paul: Hopefully they’ve extended it, but seems strange not to update the website after nearly a month.

  • CyberMurning on 09/10/2022 - 15:18

    So until when we can setup this thing? I have till 2023 but its almost end of 2022 so i may setup couple more years.. time flies

    • tunzafun001 on 11/10/2022 - 09:26

      It's been a while. How do we 'extend' our current pay alls? Or do we make a new one to commence straight after.

      Also, how many days after statement generation is the best / yet still safe (with their variable day system)?

      • leeroys_dad on 11/10/2022 - 09:43

        can't extend, can only create new and can future date the start

        i just tried adn getting the 'can't pay yourself' error, account name of payee is similar but not the same as my citibank. doh. have to do some more tests later to work out what criteria it is using eg first initial + surname

        • tunzafun001 on 11/10/2022 - 10:21

          Ok, cheers. Better have a look today.

          This might be the tricky as my $15k limit spans across two months.

          Do you start your new payall immediately after your statement is created in the prior payall setup? Hope that makes sense.

          Guess it can only get rejected until I get it right.

          As for the name, does it really matter? Thought the BSB/ Account # would be most important…ie. someone could put money in my account in my daughters name (say for her birthday)?

          • leeroys_dad on 11/10/2022 - 10:39

            @tunzafun001: Re: name, had the same thoughts but I guess I don't want it to pass the validation and then get rejected/lost and when it would kick off in 2023.

            I have a $15k limit and just do $13xxx payment every fortnight, and repay instantly. I think a $35k max payall limit but I am happy with getting close with minimal effort.

            i don't line it up to statements nor do i use the card. i have it from very early fee free for life days and only use is currently for the priority pass membership & payall!

            • nadan on 12/10/2022 - 14:39

              @leeroys_dad: Do you do the payment to yourself?

              • leeroys_dad on 12/10/2022 - 16:00
                +1

                @nadan: Yep, from very early on so I must have been before the account validation, but trying with the same account fails

                • SydneySwan on 12/10/2022 - 16:29
                  +1

                  @leeroys_dad: The trick is to put a different name on the account to your name. When the payment is made validation is only done on the BSB and account number.

            • tunzafun001 on 18/10/2022 - 15:15
              +2

              @leeroys_dad: Just be careful, some other users reported their cards were auto cancelled from lack of use. I have the same card as you, and even though I do $15k of payall per month, I received a letter saying they noticed I haven't used my card in a while and may close it. So put it $100 in credit, and used it 5 times. Will use this $100 to do a few minimal transactions every now and then. That letter was around 6 months ago.

              • gadgetguy on 27/10/2022 - 19:52

                @tunzafun001: I use this as my daily driver card now. It earns points so why not.

          • gadgetguy on 27/10/2022 - 19:49

            @tunzafun001: Banks don't and can't validate the name. Put anything you like in there. Only BSB and account matter.

            I have a Citi current account so I do a trial transfer just to make sure its all good.

  • nadan on 10/10/2022 - 13:07
    -1

    Can you use this to pay off another credit card balance?
    It seems one can only pay into another bank account, is this the only option?

    • CyberMurning on 10/10/2022 - 15:49
      +1

      read https://www1.citibank.com.au/offers-benefits/PayAll1
      everything especially the Frequently Asked Questions:
      What is Citi PayAll?

      • timhn on 11/10/2022 - 10:05

        What is Citi PayAll?

        Pay for goods and services by transferring funds directly from your account to a BSB and bank account of the payee held with an Australian financial institution. **

  • qq830821 on 11/10/2022 - 21:38
    +1

    just discovered this through the prestige credit card offer. this is really deal of the year !!

    • Legoman on 26/10/2022 - 18:31

      It's the deal of the next 8 years in my case and for the last 2 years as well!

  • qq830821 on 11/10/2022 - 21:47

    New payall user here and need some help with the payall function.
    I just cancelled two recurring monthly payments that i set up today and when I try to re-establish them, it is no longer successful. It says that I have reach the monthly limit for the select category, even when there's nothing scheduled for the month.

    • CyberMurning on 11/10/2022 - 22:05
      +2

      Try again in 1 or 2 days

      • qq830821 on 12/10/2022 - 09:50

        will do thanks

      • qq830821 on 12/10/2022 - 20:42

        Thanks Chimot it worked. one more question, could i payall to myself? or it has to be someone else? Thanks in advance

        • CyberMurning on 12/10/2022 - 20:49

          read this thread from page 1

  • leeroys_dad on 13/10/2022 - 22:58

    i have set up some new payalls but seems like i cant make payments above my credit limit per month (currently i do just undre credit limit x2 per month)
    used new account with account name=bank name and set for another 24 months

    • hanofee on 14/10/2022 - 13:57

      New card for u? Always wondering if we can have 2 cards with 2 different payall

      • leeroys_dad on 14/10/2022 - 15:21

        nah, just current ones expiring in early 2023 and wanted to set them up before 31oct 2022 just in case the date extension to 2023 is wrong

  • nadan on 14/10/2022 - 13:55

    I setup a payment and cancelled it afterwards because it was set for the 21/10/2022 and I thought I would delete and make the payment straightaway, but it didn't work and now when I try to setup more payments it says I have reached my monthly limit, no payment has been made or scheduled apart from the cancelled one.

    • 76F on 14/10/2022 - 14:17

      Wait a few days?

    • CyberMurning on 14/10/2022 - 14:19
      +1

      scroll up a bit

      • leeroys_dad on 14/10/2022 - 15:21
        +1

        yep wait overnight and it should reset itself

      • nadan on 14/10/2022 - 16:11

        Done. Weird setup that it does this.
        Also can we not pay on the day rather than scheduling it mostly for 5 days later?

  • The Hobo on 19/10/2022 - 15:55

    Can you use payall to pay your mortage/home loan? Or is it for rent only?

    • SydneySwan on 19/10/2022 - 16:04
      +1

      Yes providing you have BSB / account number and reference number for your home loan so that it is credited to your mortgage and not someone else’s.

  • The Hobo on 19/10/2022 - 16:31

    I'm a bit confused by this - what's stopping me from using payall to transfer my monthly salary into Account A using payall, and then just paying the card off 55 days later?

    A few extra transactions but i'd get a heap of points every month… i'm confused

    • timhn on 19/10/2022 - 16:39
      +3

      Why don't you step into the rabbit hole and all your answers can be answered.

    • Legoman on 26/10/2022 - 18:39
      +4

      What's there to be confused about? I earn $233/mo in interest on free Citibank money and then they give me 70K points to use as well for taking their money off them for the month. What's confusing about that? Why would I NOT take up this offer?
      Lets break it down…
      I get $233/mo in interest from investing borrowed money at 0% interest
      I get 70,000/mo points I can convert to Krisflyer/Emirates/Velocity/Flybuys
      Total cost to me = $0.00
      Where's the catch? There should be one because the law of the land says you get nothing for free. I'm yet to find the catch though.

      • knobbs on 26/10/2022 - 20:36

        Where are you parking the 70k? I am in the same situation but bouncing between different banks to get NPP/Osko to work is a PITA. Also not even getting the 4% interest you are on.

        • Legoman on 26/10/2022 - 20:39
          +2

          Rabobank & Macquarie

          • knobbs on 26/10/2022 - 21:10

            @Legoman: Thanks, will check them out tomorrow.
            Also is the best way to set a calendar reminder and NPP the funds in a few days before Citi put through the transaction? Or can you auto schedule transfers. I know you can NPP into a transaction Citi account, not sure on cc though

            • Legoman on 26/10/2022 - 22:39

              @knobbs: It would be extremely difficult to set up scheduled transfers to work reliably, so I do not try that. I set calendar reminders for me to do the transfers manually ~3 days before the scheduled PayAll payment. I have a Citibank Plus transaction account which has NPP access to most of the savings accounts I use if there isn't already money in a COS account within Citibank itself to take the money from to bolster the CC available credit to cover the PayAll amount. Transfers within Citibank are instant obviously, and transfers to/from the Plus account are mostly instant too via NPP. I also have a spare phone registered with Citibank that has very cheap global roaming access for receiving SMS internationally, so that even when I was recently in Spain, I'm not stopped from doing the transfers manually remotely with the same speed. Just have to be careful of the time difference is all. When abroad I extend the time before out to 4 days instead of 3 just to cover me for the time difference.

              • gadgetguy on 26/10/2022 - 23:08

                @Legoman: Why are you transferring money in? Don't you just pay or direct debit the credit card balance on the statement every month?

                • Legoman on 27/10/2022 - 11:21
                  +1

                  @gadgetguy: Yes of course I use DD to pay the card but the card is a 55 day interest free period one and the PayAll payments come out every 30 days. That means there's 25 days of overlap every month where the card has to carry both the debt from the previous month's PayAll payments at the same time as the current month's PayAll payments. To do that with only the DD payments paying it off you would have to have a credit limit double 35K, so 70K on each card if you're maxing the offer each month and that's without using the card for any other day to day expenses.
                  Whilst I have a large credit limit, it's not as large as 70K, and I continue to use the card for other day to day expenses as well, so I have to make manual payments to top it up and keep it in credit especially during the 25 day overlap period

      • Moo Deng on 27/10/2022 - 17:52

        The catch is your bank can suspend your bank account and ask you to provide information on the source of the funds, and keep it suspended for as long as they want without providing you any information or recourse.

        SoI would suggest not doing this on your primary bank account.

        • CyberMurning on 27/10/2022 - 17:56
          +1

          well mine called me i said to earn little credit card points the girl laugh and said okay and bye.
          she seems more concerned about some small incoming from ebay (probably the source is overseas?) as of is that your 2nd income i said nope just selling old phones when upgrading

        • Legoman on 27/10/2022 - 19:02
          +1

          Banks can and do whatever the hell they want quite regularly, however that's why we have AFCA to stop them and pay compensation when they do. I think I'm alright given that I've been doing this for 2 years already and it hasn't raised any alarm bells yet.

  • gadgetguy on 26/10/2022 - 17:29

    I've set up just over 30k in monthly transfers (against a 41.5k credit limit) and the last couple I've tried have given an error about reaching the limit "for this category". I've spread out the payments so only one in each category so I suspect its referring to an overall monthly limit.

    Anyone got any clarity on the monthly limit? Initially I thought it was a percentage of your credit limit but someone posted that it was a fixed 20k. But its definitely not 20k (for me).

    • prodnus on 26/10/2022 - 22:15

      Max is $35k

      • gadgetguy on 26/10/2022 - 23:01

        Thanks, I'll push it to the limit then.

      • Jaystea on 27/10/2022 - 13:53

        Per card? Or per account? I recently got approved for prestige and already hold premier. 27 and 15k respectively. Could I do the whole 42 or am I limited to 35?

        • qq830821 on 27/10/2022 - 14:04

          i thought its 35 to end of Oct this year then 20K max all cards included?

          • CyberMurning on 27/10/2022 - 21:42

            @qq830821: What happen with end of October this year ? Citi sent me email saying October 2023

            • Jaystea on 27/10/2022 - 23:08

              @CyberMurning: They have indeed extended it to 2023.

              • CyberMurning on 27/10/2022 - 23:10

                @Jaystea: Yeah i dont know what qq talked about anyway i meant to try extending my setup till like 2025 if possible but lazy.. the interface is crap

                • gadgetguy on 29/10/2022 - 12:02

                  @CyberMurning: I posted this already but can't you set a new schedule (in addition to your existing 2 year one), with the start date 2 years out from now and then get 24 months from then? Rinse and repeat.

                  I just did a trial and looks like it may be possible but I didn't take it to completion.

                  • CyberMurning on 29/10/2022 - 12:15

                    @gadgetguy: Yup will try later. But i will make it simple like just do $x once a month not twice. Maybe earn less but oh well

            • qq830821 on 29/10/2022 - 20:57

              @CyberMurning: the citibank variation notice i received says a cardholder can only make upto 20K in citi payall transactions each calendar month acorss all citi branded credit card

              so by the look of it, they are reducing the max monthly transaction amount from $35K-20KK

  • Legoman on 29/10/2022 - 00:07

    Has anybody found what payment type allows you to extend the duration to 60 months? When you select Miscellaneous as the payment type, the duration option has written in light grey "Up to 60 months", yet no payment type I have tried allows me to make the payment duration go for longer than 24 months. Has anyone managed to realise the claimed 60 months duration successfully? And if you did, then what payment type is it that allows 60 months duration?

    The furthest out date I can get to setting up new payments today is to early October 2034 - Starting early November 2032 + 24 months duration. If I can find out how to get the 60 months thing working then the max will become early October 2037 instead.

    • leeroys_dad on 29/10/2022 - 03:03

      No idea but have tried many options, 2 years is max I can get to

    • gadgetguy on 29/10/2022 - 11:57

      Can't you set a new schedule, with the start date 2 years out from now and then get 24 months from then?

      I expect they will have withdrawn, tightened up or started charging within 2 years anyway.

      • Legoman on 29/10/2022 - 12:18

        That's what I'm doing, but trying to get to the longest possible end date. The farthest out I can start a new schedule is 4 Nov 2032. Then for a duration of 24 months only from then, the party will end on 4 Oct 2034. If I could get the claimed 60 months duration, then I could push the end date out theoretically to 4 Oct 2037, but I can't find any way of realising the claimed 60 months duration the notification in the app says is possible

        • gadgetguy on 29/10/2022 - 13:18
          +2

          I agree, the 60 month thing is not achievable, I'm guessing its a mistake they never fixed.

          • Legoman on 30/10/2022 - 00:17

            @gadgetguy: Yep, my experience too. Will wait until Monday to setup the final PayAll payments from 2032 to 2034 so the end date will allow 7 Oct 2034, which I think will be the latest possible end date for setups prior to the limit changes on Tuesday

  • dbglt on 29/10/2022 - 22:20

    Revisiting my original 2 years payall soon. Have read through comments - can anyone confirm that 20k a month is now the maximum payall limit, and I shouldn't try anything higher than this now?

    (I only have 15k card limit, but my existing payalls added up to 35k spread over the month)

    • leeroys_dad on 29/10/2022 - 22:48

      i can't seem to set one or multiple payalls above my 15k credit limit for any new ones i set up. although i can go to 15k whereas in the past i had to have an amount slightly less than 15k

      • Legoman on 30/10/2022 - 00:12

        The unpublished limit for a single payment is/was 95% of credit limit. Ie. if your credit limit is 20K for example, you cannot PayAll a single payment greater than 19K

    • Legoman on 30/10/2022 - 00:08

      The limit right now before 1 Nov is whatever your credit limit is or 35K, whichever is the lesser. As of 1 Nov, the limit becomes 20K or your credit limit, whichever the lesser.

      • gadgetguy on 30/10/2022 - 02:06

        Do you think they will just fail any pre-arranged payments that go over 20k?

        • Legoman on 30/10/2022 - 11:36

          No. If you can set them up, they will be honoured and process normally regardless of the prevailing rules/limits at the time of execution. The rules/limits are relevant only at the time of setup, not execution. Right now, if I try to add a new PayAll in excess of my card limit for any time into the future, it will fail because the rule/limit as it exists right now is that your card credit limit is the max you can setup in any given month. However, I also have many PayAlls created before that rule change which do exceed my credit limit by 15K which stretch right through to 2027. Those will execute as they are provided I don't cancel them or otherwise mess with the card/account such that they get terminated.

          • gadgetguy on 30/10/2022 - 11:57

            @Legoman: Good to know, I better set up some of my own for future years, today.

            • Legoman on 30/10/2022 - 12:26
              +1

              @gadgetguy: and I'd be really REALLY careful about the details and how you do it, because if you make a mistake with any of them and need to cancel and resubmit, then you'll have to wait 24hrs before you can try again and that means tomorrow which is the last day before the rules change. Ergo, don't make any mistakes in the details. I'd actually sit down with a piece of paper and a pencil and work it all out and write it down first before jumping into the app IIWY

              • CyberMurning on 30/10/2022 - 12:47
                +1

                @Legoman: So if my limit is $18k, no need mock around, just setup 1x transfer per month for $17k (dont want 100%) for as long/far as i can.. ? As the cap is now our limit anyway. No need to do smaller multiples

              • gadgetguy on 30/10/2022 - 12:55

                @Legoman: Good advice, I'll make a spreadsheet.

  • CyberMurning on 30/10/2022 - 12:35

    Just realised my card exp in Dec 2022 and checking citi webiste, very confusing.

    Where regular Citi PayAll payments have been scheduled and a card relating to the account is renewed, substituted or replaced with another card, we can charge these payments to the renewed, substituted or replaced card. However, we cannot guarantee that these payments will always be charged to any renewed, substituted or replaced card.

  • CyberMurning on 30/10/2022 - 13:23

    Confirm, i cant setup new plan today for start date futher than 2032

  • polarq on 30/10/2022 - 16:11
    +1

    I have tried doing recurring payments of many categories of varying amounts but none of them work. On the schedule page the 'next arrow' button automatically grays out when i switch to recurring tab. Single payment works no problem.

    My limit is $16000, can someone advice how they got recurring payments to work or if they have seen a similar issue before?

    I made a one time 10k pay all to my other bank account which went through ok…

    • leeroys_dad on 30/10/2022 - 16:14
      +3

      Your problem is you need to scroll down the screen. It's not obvious that you can scroll but you need to complete the expiry field

      • polarq on 30/10/2022 - 16:34

        Ahh I feel so dumb 🤣

        That was it but it now says O ran out of the monthly limit for that category :/

        • leeroys_dad on 30/10/2022 - 21:44

          You can only set up payments per month for your credit limit or less. So if you already have one set (a single payment) just set it for next month but make sure no more than your credit limit

          • abc on 30/10/2022 - 21:58

            @leeroys_dad: Credit limit or available credit? I’m receiving error still even for future dated payments which are under available credit but would be past limit.

            I think i’ve left it a bit late to go for max as I only just realised you could set up future dated start dates :(

  • Moderatorhamza23 on 01/11/2022 - 07:49

    Extended until 31/10/23

  • shkippy on 02/11/2022 - 16:42

    Does anyone know if citi Payall is considered to be an eligible purchase:

    300,000 Citi Rewards Points when you spend $7,500 on eligible purchases within 60 days from approval.

  • Ash-Say on 07/11/2022 - 07:42

    My partner card got charged for an unauthorised transaction few days ago. Only place we tried to use this card for Amazon $15 credit. This charge is over $30.

    I am afraid if we cancel the card, new card won't provide same level of capability i.e. currently setup for $35k per month until end of Aug last year. New payments we setup recently only allowed up to 80% limit of the card.

    Can someone confirm about new card capability?

    • gadgetguy on 07/11/2022 - 10:31
      -1

      Replacing the physical card shouldn't impact that. But I'd go on chat and get it in writing.

      • knobbs on 07/11/2022 - 11:26
        -2

        Getting it in writing means nothing, they won't setup PayAll for you after they cancel it with cancelling the card. I know, it happened to me

        • hanofee on 07/11/2022 - 11:30
          -2

          @gadgetguy Yeah, ur not even supposed to be able to set that $35k anymore. So, u want them to have in in writing for a glitch u found then use it as a proof for AFCA case? Good luck

          • gadgetguy on 07/11/2022 - 12:01

            @hanofee: I think you are missing the point.

            Cancelling and reissuing a card is not the same as cancelling the account. It's no different from the card being replaced when it expires and I wouldn't expect that to affect any pre-existing payment arrangements.

            • hanofee on 07/11/2022 - 12:36

              @gadgetguy: I know that. But Citi has no way to reinsert the PayAll in the system, no matter what, some of us already deal with that in the past (including myself). So, the only useful thing to have it in writing is to report them to AFCA or other regulatory. There's nothing in the T&C though saying that we're entitled to keep that 35k on the first place

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