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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 (3641 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

      • CyberMurning on 19/10/2021 - 19:56

        2022

        • hanofee on 19/10/2021 - 20:19
          +1

          Was already changed to Oct 2022 with last month's email (the same email that changing the limit after 17 Oct)

    • Team Ozgiftcards on 19/10/2021 - 18:18

      Just got it too. Maybe targeted. The public link still says it ends Oct 21.

    • squarepants on 20/10/2021 - 07:36

      Without any more limits to your card’s limit or is that still per their previous email?

  • maverick1 on 21/10/2021 - 12:34

    Had left some Citi payall limit on the card to make Adhoc payments to ATO, but now it’s not letting me make those payments. Getting an error msg - max limit reached for this category.
    My cc limit is x, Citi payall used this month 30k, left 5k for tax bill but now it’s not letting me setup as my payall transactions exceed my cc limit for the month.
    Anyone else tried setting up payments this week?
    Glad I’ve setup recurring transactions for 30k for couple of years though. Will be interesting to see if they get processed next month.

    • hanofee on 21/10/2021 - 13:00
      +1

      Same, I can't set anything anymore. All the old one seems OK though, no cancellation yet, but I haven't gone beyond my monthly limit since 17 Oct.

    • Legoman on 21/10/2021 - 20:07

      Yes, I set one up yesterday for 17.5K after my advance setup one defaulted when Citibank decided to debit my card one day earlier than they said they would, so there wasn't the credit there to make the payment. My additional correction payment went through first time no problem. Zero fee and still within Oct too, so no harm done.

      • maverick1 on 21/10/2021 - 21:09

        Assuming it went through as your credit limit was greater than your utilised payall limit, isn’t?

        • Legoman on 21/10/2021 - 22:23

          I am not credit limited no

          • NotBritishorUK on 22/10/2021 - 13:47

            @Legoman: So we have no one yet who was beyond their credit limit but under $35k and had a Payall payment this month after 17 October

            All ozbargainers prepared well!

            Sounds like we’ll need to wait until November to find out

            • Legoman on 24/10/2021 - 16:15

              @NotBritishorUK: Yes, we won't find out what happens when executing a scheduled payment in excess of credit limit until Nov. I will find out on Nov 19

  • tunzafun001 on 21/10/2021 - 22:01

    I've struggled to get the app to work. Got it to work yesterday on a different phone, and setup up a monthly payall for $9k (keeping off Austrac radar by keeping it under $10k). The earliest Citi would allow was 28th October.

    Now I've got a $15k limit.

    Should I set another Payall today for say another $9k (do I need to put an extra $3k in my account now, or do I have seven days to get it to $18k)?

    Or should I play safe and just do $6k, or does a 95% rule apply and my next should be $5.2k?

    • magster on 22/10/2021 - 00:32

      6k should be fine I think. The 95% thing never applied to me, but I’ve never done my full limit in one go, when I had 15k limit, I’ve always done 2x $7500 each time.

      • tunzafun001 on 22/10/2021 - 12:15

        Cheers. I was thinking of trying $9k to see if the $15k credit limit will actually apply, or if I can go over.

        • magster on 22/10/2021 - 12:49

          If you want to be safe, then do 6k +3k as two separate payall. So if the 3k doesn’t go through, at least you don’t miss out on the 6k as well before the end of the month.

          • tunzafun001 on 22/10/2021 - 22:54

            @magster: Well, the app is rubbish (even a disclaimer on the app that it may not work).

            It won't let me set a payment to commence before Nov 1..and it's currently Oct 21. That's 11 days time minimum! I have no idea why (it says 7 days). Still $0 charge for a Payall starting in November at least.

            The limit resets on the statement date, yeah? So it won't make any difference. Or is it calendar months? If so, I'll call up and see if they can change it to October.

            • NotBritishorUK on 23/10/2021 - 22:32

              @tunzafun001: It’s 7 working days which would be November

              All the Payall limit pages refer to calendar months, from my experience it’s calendar

              • tunzafun001 on 24/10/2021 - 00:40

                @NotBritishorUK: Dang it… Cheers

              • tunzafun001 on 24/10/2021 - 10:23

                @NotBritishorUK: Hang on… I realised my statement generates on the 4th, so setting a Payall for Nov 1 isn't optimal.

                So tried to add another (before deleting the current one) for November 6. But it says my limit is already reached for the month.

                I only have $9k in October, $6k in November (15k Credit limit).

                So must be 30 days, and or calendar month.

                Might call and change my statement date. Probably easier. Don't know if they will with a current payall on it.

                • CyberMurning on 24/10/2021 - 10:48

                  @tunzafun001: Why not just delete all and start again. We have till oct 2022 to play around anyway

                  • tunzafun001 on 24/10/2021 - 15:17

                    @CyberMurning: I thought the method was add new ones before deleting the old. I'll re read this thread… Oct 22..ah cool. I thought I only had a few days (Oct 21) before they start charging. I didn't receive the extension email.

                    • CyberMurning on 24/10/2021 - 15:24

                      @tunzafun001: If you cancel you have to wait for 24hours before creating new ones.
                      Well i got the extension so ymmv

                • Legoman on 24/10/2021 - 16:12

                  @tunzafun001: Don't bother calling. The PayAll scheme is administered by a department within Citibank that is completely inaccessible to any customers or the CS department and the fraud/security section as well. In short you can't contact whomever is in charge of how PayAll works at all and no-one will help you to bend the rules in any way whatsoever. What you see from the app is what you have to deal with. The end.

            • Legoman on 24/10/2021 - 16:08

              @tunzafun001: Yes the app is rubbish. Citibank's customer service is rubbish too. In fact everything to do with Citibank is rubbish. Don't bother calling them to complain though, their CSR are robots who cannot vary from their script by even one syllable. All they will do is apologise endlessly and say they're going to forward your dissatisfaction to management for review, but trust me, nothing will ever change. No point complaining to AFCA either. That will achieve precisely nothing. Citibank are a law unto themselves. They don't exist within the banking regulatory conduct. Citibank do whatever they want with complete impunity.

  • Anonymous101 on 25/10/2021 - 19:18

    Anyone having issues setting up PayAll transferring to own account ? I could send to my ING account before but new PayAll is not allowing me.

    Any workaround?

    • szy2k on 25/10/2021 - 19:30

      Had the same issue, now changed to Mrs account.

  • Team Ozgiftcards on 25/10/2021 - 21:50

    Woop, Citibank updated the public link to end on Oct 2022 finally. Can a mod update the subject of the thread?

  • furyou on 26/10/2021 - 23:03

    If you're using this to send payments, then repay early so you can do it again, how do you manage your card payment end of each month?
    I have DD set up, and they don't seem to care about repayments you make. So even if you repay they still take out the full amt on the DD date, so you end up overpaying.

    • CyberMurning on 26/10/2021 - 23:56

      yes this has been discussed before - the solution : call them to remove DD

      • f4te on 14/11/2021 - 21:30

        Or make sure you repay it back before your statement end date.

  • Samsungnote10 on 31/10/2021 - 09:37

    Hey folks
    Just confirming, I'm new to citibank (well a family member is), is this how you do it?
    They are on the old citi signature fee free for life which I believe has been transferred to citi premier

    So by end of today I set up a transfer of 20k (their limit is 20k) , and schedule monthly indefinitely. And obviously I pay back the $20k asap since their card would be maxed out and unsuable

    I had a quick look around but found contradicting info but I think they are on 0.5 pts per qff point with Max of 12,500 pts. So $25k max

    • hanofee on 14/11/2021 - 21:31

      This Citi Payall is not counted towards the usual point cap. Kind of they have 2 separate cap

  • leiiv on 01/11/2021 - 01:19

    So what would happen if you keep paying ATO $30K every month? They are required to refund any overpaid tax account right?

    • furyou on 01/11/2021 - 19:47

      yes but u have to apply

  • TimeOrMoney on 01/11/2021 - 10:27
    +1

    A 20% Bonus Velocity Points Transfer Offer just went active for November. It includes transfers from Citi Rewards. Could be a good deal for those who have been accumulating these Citi points with the intent of converting to Velocity points.

    • Legoman on 08/11/2021 - 16:37

      Thanks for that. Had no idea, got no promo e-mail from Velocity about it at all. Just topped up Velocity holdings to make some activity to reset the expiry clock. Cheers

  • furyou on 03/11/2021 - 21:42

    Heya, how do you set up the comments when paying others? Usually with transfers etc you put a comment, the other person sees the ref ID etc.
    When doing this payall, the other side sees " Inward Credit Direct Entry CITIGROUP PTYLTD"

  • lrz07 on 04/11/2021 - 12:42
    +6

    My own test results are in following the rule change.

    I had set up $35k worth of PayAll transactions each month before the rule change kicked in. The first 2 transactions this month, which I scheduled for 1st and 6th November, and already well exceed my credit limit, have been processed fine. The points have come through for both as well. The funds from the second transaction haven't hit my account yet but they usually do later in the afternoon.

    Hopefully others will have the same experience. Would be a huge win for those well prepared OzBargainers!

    • cook99 on 04/11/2021 - 22:39

      This is what I'm hoping for, I'm set until late 2025, praying they have eluded the rule change. If so I'll be spewing I didn't go for another 5 years though lol.

      I had the same, 1st and 7th went through above my limit.
      Only thing I wonder is that the 1st was deducted last month so may not count to November, I'll know on the 12th for sure.

    • Legoman on 07/11/2021 - 16:21
      +1

      I'd be a little cautious about celebrating just yet. That one you scheduled for 1st Nov will have been executed 3 days earlier in Oct and my past experience with Citibank is that they count the execution date (determined by them) as the one that matters, not the requested scheduled date (chosen by the card holder). Therefore, that amount you scheduled for 1 Nov will be counting towards the October threshold, not the November one. Only the payment you scheduled for 6 Nov will count towards the monthly credit limit of the new rules. If your 6 Nov payment is on its own in excess of your credit limit and it was successfully processed by Citibank, then you might have reason to feel lucky.

      • lrz07 on 08/11/2021 - 14:19

        Thanks for the heads up, but I would have thought even if the 1 Nov payment counted towards October, that transaction should have exceeded my October threshold and failed on that basis. I had always understood the limit per calendar month was based on the identified payment date. Anyway, will find out for sure in another 2 days' time when my 3rd transaction will be processed.

        • Legoman on 08/11/2021 - 14:37
          +1

          Citibank tend to interpret their own rules to whatever works to their advantage. They're really nice and flexible like that. It's for this reason that it's a really good idea to stay well away from dates that invite even a modicum of ambiguity. I'd stay well away from dates within 3 days of the change of month (so nothing scheduled for any date between 26 and 3 inclusive and I'd also stay well away from 3 days either side of your statement date too. I also keep multiple payments 3 days apart as well just to reduce the chance of arguments with Citibank about when they'll be executed and count toward limit thresholds. This is why before setting up my payments I contacted Citibank and moved my statement date to the 16 of each month (as close to the middle as possible), then created two payments each month on 21 and 24. 21 because the exact statement date is flexible to Citibank's whim and can on occasion be as late as 18. Given that as worst case, then 18+3 = 21 = safe for PayAll to be after statement production to maximise interest free period. Then 21+3 = 24 < 26 = safe for even the worst case of February to not overlap into the change of month.

          • lrz07 on 10/11/2021 - 09:57

            @Legoman: 3rd transaction got processed OK last night! Waiting for points and actual amount to come through.

          • MAD for Everything on 23/02/2023 - 10:42

            @Legoman: @Legoman Been reading all your posts and really got a lot out of them so thank you for taking the time to give us these tips. I want to clarify one thing to understand it correctly. I have just gotten my Citibank Prestige so very excited to try out the PayAll. I have 3 questions:
            1. My statement date is the 17th of each month and I was told by Citibank that the payment date is 25 days after the statement date of the 17th. Is this what you were stating to try and get your statement date in the middle of the month? Have I got it right?
            2. If I set up the PayAll on the 20th (17th + 3 days), when is the latest date I would need to pay it back?
            3. Setting up PayAll - I can set up one payment of $20k, I won't reach my limit but under Payment Type (Education, Rent, Tax and Misc.) which one should I choose? Is it better to just set up one payment of $20k or two payments of $10k each?

            Thanks Legoman!

            • capslock on 23/02/2023 - 13:30
              +1

              @MAD for Everything: For point 2 Do not set it up on the 20th. For example, 20th Apr 2025 is Easter Sunday which means your Payall will be debited on 15th Apr, which is in your previous statement period. It is safer to set it up for the 22nd or any day afterwards.

              • 1bargain on 23/02/2023 - 15:19

                @capslock: Wow they deduct so early not after public holiday?

              • MAD for Everything on 25/02/2023 - 23:22

                @capslock: If I set it to 22nd, how long do you hold the money before you transfer it back to your Citibank credit card? Is the $20k limit calendar month or statement period?

                • capslock on 26/02/2023 - 15:43

                  @MAD for Everything: Limit is per calendar month. I usually transfer it back to my Citi card 4 business days before the Payall date.

    • furyou on 09/11/2021 - 16:12

      Do you know how categories work? Eg I tried to set up weekly rent. Says over limit. Reading the description maybe rent is allowed 1/mth.

      But what stops you sending under another cat?

      Tried to pay my tax, wouldn't let me. Didn't use tax cat yet, so not sure why.

      It's getting pissy as I only have 13k limit so I can't do 1 big hit/mth

      • lrz07 on 10/11/2021 - 09:57

        It should work under any category. I definitely have all mine under the same category Rent and they have all gone through. But I set these up pre-17 Oct.

        If your limit is $13k you could probably split it up e.g. one for $6k and one for $7k.

        $13k probably won't go through because there is a hidden limit of 95% of your credit limit per transaction. So that would be $12,350 for you.

        • furyou on 10/11/2021 - 11:29

          I wonder if it's like if I set up $5k/wk
          Then it says you can't afford 20k, so it fails?
          Kinda like every future payment in that month holds that amount in reserve and assumes I won't pay it off.

          Anyway just worried if I set up all under a category they'll trigger some check and I get bot cancelled
          Or I guess if I put 20k thru a month out of my normal usage pattern the same thing.

          • lrz07 on 10/11/2021 - 11:46

            @furyou: If you're now trying to do $5k/week on a $13k limit then my guess is it would fail because the new rules have kicked in which limit your payments in a month to your credit limit. You would probably have to ensure the total is <=$13k in a month, in whatever combination.

            • furyou on 10/11/2021 - 12:07

              @lrz07: I'm not sure about that. THere's something else too.

              I tried a morgage payment as 'rent'. It said I used up the limit for the selected cat. I changed it to utils, it went thru for later in nov.

              So I tried to add what I did, and to keep under the 95% limit. I should have over 10% left, but I can't add any more. Even under a cat I've never used.

              Well I guess there's no maximisation

  • thestig on 09/11/2021 - 11:25

    I suspect the limit has come in for statement periods commencing after the 17t Oct. My first payment processed fine but the second which is over my credit limit doesn't seem to be following the normal cycle. Normally I get a text a week before saying the next payall will be processed on the planned date. Didn't get one for the current one due to be processed this Saturday. Normally it actually processes 3 days before so will just confirm I don't get the text tomorrow saying that it will be processed tomorrow night and will know the gig is up and can cash out the remainder of the rewards points and close the card.

    • thestig on 10/11/2021 - 06:10

      Looks like a lot of the Payall transfers set up in the app have just disappeared too so definitely looks to have finished.

      • leeroys_dad on 10/11/2021 - 06:28

        My scheduled payments appear under PayPal still

      • hanofee on 10/11/2021 - 10:09

        Something wrong with yours. Mine is still all intact. Definitely not finished

  • leeroys_dad on 09/11/2021 - 12:01
    +1

    I will keep my card, the only one fee free with lounge access, flight insurance etc.

    But I hope the gig continues 🤗

    • Legoman on 11/11/2021 - 11:31
      +2

      I have never understood the mentality of holders of the FFFL cards when they chuck a tizzy and threaten to cancel their cards due to some change in the conditions of use imposed by Citibank over the years. It utterly defies belief. It's a free card. It costs nothing. What anyone has to gain by cancelling a free card for any perceived slight by the issuer, I just can't fathom. The only thing I can think of is a desire for retribution, by virtue of an ill-conceived idea that they are somehow punishing Citibank by cancelling their card, when the reality is that all the benefits flow to the cardholder rather than the issuer and Citibank could not care less whether you cancel.

  • dbglt on 09/11/2021 - 12:16
    +1

    Just combined 260k points from here with two other credit card offers - transferred into Singapore Airline's Krisflyer program (two bonuses at the moment - can get gold status based on points transfer + 15% bonus if you transfer 50k+ points).

    Now have gold status & more than enough points for RTW business airfare. Amazing!!!

    • Legoman on 10/11/2021 - 11:39

      Share link to Airline offer

      • dbglt on 10/11/2021 - 11:55

        All set out here: https://www.ozbargain.com.au/node/659435

        • Samsungnote10 on 10/11/2021 - 12:25

          Im assuming you csnt transfer to kris if you have a citi Qantas card?

          • Legoman on 10/11/2021 - 17:26
            +1

            @Samsungnote10: Points go to Qantas if a Qantas card. Obviously. You're paying a fee to turn the card into a direct earn Qantas card and remove all the flexibility of converting Citibank Rewards points into any of FlyBuys, Velocity or KrisFlyer points instead. There might be a slight bonus for doing this in the conversion ratio for being a direct earn card, but I didn't choose that option, so I haven't investigated it to that extent

        • Legoman on 10/11/2021 - 17:41

          By my reckoning, you need to convert 625,000 Citi points to KrisFlyer to get to the 250k threshold for gold status. No one has got anywhere near 625,000 points yet by gaming this Citibank PayAll offer.

    • tunzafun001 on 11/11/2021 - 12:21

      What does KF gold give (lounge access, More redemption availablity)?

      I need to look at the Qantas version of this as well.

      • Legoman on 11/11/2021 - 17:50

        Basically nothing according to their website

        It's a whole bunch of things that cost them nothing to provide, but look impressive and help to pad out the list of benefits.
        * Priority this and that and the other
        * A little bit of free extra baggage allowance (which will actually be more of a con than a pro, because for sure you will NOT be travelling SIA for the entire journey and you will therefore get stung royally on the legs where you'll have to pay for the excess baggage you've accummulated)
        * Lounge access

        It's as worthless as Qantas Gold status is.

        • dbglt on 11/11/2021 - 18:08

          Mostly for the lounge access. A few extra things like priority queues and security access a minute benefit too.

          Singapore in general also has very good availability for reward flights, much better than Qantas etc.

          • tunzafun001 on 11/11/2021 - 19:46

            @dbglt: Do love a good pre flight lounge session! Extra baggage is good for snow trips. I'm thinking of booking NZ (CHC or ZQN) snow trip for next year.. hopefully. Be interesting if you can see extra availablity. I could only see one flight in 2018, but called up and they could offer more that I couldn't see on the 'pleb' booking engine.

  • Legoman on 13/11/2021 - 12:09

    Citibank seem to be getting ever more flexible with their interpretation of their own rules. I got both the "reminder - Please ensure there's enough balance on your card" text and the e-mail "your card is going to be charged in 3 days" yesterday for my next automatic PayAll payment on 21 November! 9 days early! This is why you have to be extremely conservative with forward planning where Citibank are concerned. Scheduled dates where Citibank are concerned do not carry even the weight of a guide. They're little more than a suggestion that's free to be completely ignored by Citibank as they see fit.

    • cook99 on 13/11/2021 - 12:31

      I had a similar issue last month, I used the Quick Cash feature to chase that $100 gift card offer. Little did I know that it would reduce my available balance by double the amount I applied for, their own support staff couldn't figure it out and insisted it would only reduce my availabile balance by how my Quick Cash I used… Ended up paying it out in full just to get card back to normal for Pay All and copped their fee and no gift card for early payout.
      Learnt to just stay in my lane on this card from now on

      • CyberMurning on 13/11/2021 - 13:14

        I dont bother to try that $100 gift card offer (keep getting the offer each month) because i think it will messed up with the pay all.

      • Legoman on 13/11/2021 - 13:40

        Werd. Citibank is just too unpredictable and weird to try gaming too many offers with simultaneously. They don't abide by their own T&C's and when you call them out on it, all they'll do is apologise and claim your dissatisfaction will be noted, but nothing ever changes. They'll do something equally dodgy again next month. To work the offers with this card, you need to be totally flexible to cope with whatever random stuff Citibank might throw at you for no apparent reason. If they say something will happen in 3 days, expect it anywhere from immediately to 2 weeks later. Citibank is by far and away the most disorganised, inefficient and unpredictable institution I've ever had the misfortune to deal with.

  • Samsungnote10 on 13/11/2021 - 13:26

    i read a few people on here setting up multiple transactions per month, is that for those that dont have their full credit limit availalbe?

    so just confirming for our situation with a $20k limit, if we set up a $20k transaction once per month, does that maximise the deal for us??

    and do the dates matter for once per month?

    • Legoman on 13/11/2021 - 13:47
      • Probably yes
      • You can't do that because there's an unpublished 95% of credit limit threshold for any single PayAll payment which you don't find out about until you try to set up one for your entire card balance credit limit and it gets rejected with no explanation. In your case with a 20K limit you will never be able to set up a single PayAll payment for more than 19K. To maximise the deal you will have to set up at least two payments/month that when combined will total 20K.
      • Yes the dates will matter
      • Samsungnote10 on 13/11/2021 - 13:52

        awesome thanks for that,

        will set up 2x right now
        and will change the dates too

    • hanofee on 13/11/2021 - 13:50

      Maybe try 15k on 2 different dates on the same month and update us if it works or fail?

      • Legoman on 13/11/2021 - 14:11

        A better way would be to set up three payments, where the first two total 20K (and are therefore totally within the published limits, not that you can expect Citibank to actually abide by them themselves) and then a third for 15K as a test to see if with Citibank's wonky adherence to it's own rules, you can squeeze the third payment past the restriction that supposedly came into effect on Oct 17

  • txb on 18/11/2021 - 00:20

    I signed up early for this and originally only planned my scheduled transfer up to my annual card date next March then close.
    ..
    However seeing how well this has milked it's clearly better to keep the card longer (6k limit but still able to flip the 35k/monthly max since the Oct 2021 update) and am about to reach 200k pts (anyone know if citi rewards card has a cap?)

    …I think I should definitely try to keep it another year. However, I have no scheduled transfer after March though, so my question to anyone out there is has anyone been able to set up a new scheduled payall and still max out their monthly churn after the Oct 2021 update (the "you can only payall up to your credit limit")?

  • tunzafun001 on 18/11/2021 - 01:33

    Post above has $6k limit, I thought the Minimum was $15k? Would love to reduce it to make card hopping a bit easier.

    • Legoman on 18/11/2021 - 17:31

      The Platinum had a minimum credit limit of 6K, the Signature minimum credit limit was 15K. You can downgrade back to the Platinum if you wish, but it's a non-reversible one-way route you'll be taking. You'll never be able to get back to the FFFL Signature again if you do, so think about that carefully.

    • txb on 18/11/2021 - 18:34

      I have the Citi Rewards card. 6k min limit.

      • tunzafun001 on 18/11/2021 - 22:11

        Do you get the complimentary Priority Pass access?

        • Legoman on 19/11/2021 - 02:31

          The answer is 'no' There are three flavours of 'Rewards' Citibank card. Platinum Rewards which does not have the option of being a Qantas FF direct earn card and does not have the Priority Pass membership. Then there are two flavours of the Signature Rewards Citibank card. You can have this card as either a Citibank Rewards point earning card or as a Qantas FF direct earn card, both of which come with the Priority Pass membership as well. There is an additional annual fee involved for it to be the Qantas version whether you got it on the Family & Friends fee free for life deal or not. The only version you can have with a 6K credit limit is the Platinum Rewards card.

          • tunzafun001 on 19/11/2021 - 10:47

            @Legoman: Ah cheers. What the Qantas fee for the "free" card? I couldn't find anything on the Citi site.

            • Legoman on 19/11/2021 - 11:23
              +1

              @tunzafun001: I don't have a record of what the Qantas fee was either since I didn't take it up, but from memory I think around $50/yr was about right.

  • Legoman on 18/11/2021 - 17:17
    +1

    I can confirm there is no 200K points limit on PayAll accrued points. Last month I cracked 210,000 points earned via PayAll and as of this morning I've added another 17,500 to that, so now up to 227,500 points accrued through PayAll exclusively in this calendar year. That's not to say there isn't a cap at all, but if there is an undocumented cap, then it's higher than 200K points.

    Tomorrow I will be able to confirm categorically whether or not PayAll payments set up before 17 Oct 2021 in excess of card credit limit have successfully avoided the new limitation of credit limit in a month introduced back at that date. I have a payment due to be executed on Friday which will be in excess of my total card credit limit by $15,000. It was set up before 17 Oct though. If it goes through without a drama, then I would presume all payments setup before 17 Oct are not subject to the new credit limit restriction. I would expect though that any payments set up now post-17 Oct will be limited to the card credit limit total in the month if less than $35,000

    • txb on 18/11/2021 - 18:33

      Thanks Lego. When's your next newly set up post-17th Oct scheduled transfer?

      • Legoman on 18/11/2021 - 18:59
        +3

        I don't have any payments scheduled that were set-up post-17 Oct. I was well enough organised to create all my payments for the next 6 years before 17 Oct. Having done that, I'm not touching them now. They are effectively grandfathered payments that will hopefully stay effective to the rules that were applicable prior to 17 Oct. There is no point in me adjusting any payments now anyway, since the ones I have setup are all for maxing out the deal to 35K every month for the next 6 years = 1,000,000 Krisflyer points, or 4 x RTW business class tickets

        • txb on 18/11/2021 - 19:38

          That's minty fresh! What payment frequency were you doing to set yours up to counter not every month is equal?

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