• expired

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

1720

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/

Related Stores

Citibank Australia
Citibank Australia

closed Comments

          • @txb: I simply scheduled the payments to be around the middle of the month, well away from the 28th for February and as close as possible to, but after my statement date of the 16th in order to maximise benefit out of the 55 days interest free terms so that I not only get the points but also the use of a free $35,000 each month for as long as possible before interest kicks in and it has to be paid back. I do not have a small credit limit though, so I have not had to do multiple small payments to keep rolling over a small balance through the month. I could have easily made a single $35,000 payment in one hit, though I did not do that for accounting reasons, instead breaking it up into two payments each month. It would be a lot more complicated and require a lot more managing if you only have a small limit like 10-12K or so requiring multiple payments each month with paybacks in between to keep bolstering the available credit. I'm not sure I would be able to keep that sort of workload up every single month for the next 6 years straight.

    • I can confirm l have exceeded my limit with no issues and gotten the points

      People said my early month payment might have counted as October so I excluded this and still exceeded the limit

      All set up pre Oct 17th

      • Yep confirmed here too! This is awesome. Just had my card charged 15K over the credit limit for a scheduled PayAll payment that was setup pre-17 Oct. They appear to have grandfathered the old rules as long as you got in before they changed them!

  • Citibank have just completed an update to their online banking platform this morning. Access was cut for a while. The only difference I can see is the cash out FPO offer to take 90% of available credit and get a free $100 Coles/Myer/JB gift card has gone. At least it has on mine. Can anyone else check and confirm?

    • Still available on mine. Checked in the app.

      • Hmm, yes, it is still there technically, but it's very sluggish and non-responsive and if/when you do eventually get to the last step where you say "Yes I agree with everything, now give me my money", the app borks out and says sorry, I can't process this right now and then hangs indefinitely until you kill the app.

        • Can also see it, $100 egift for $2500 convert. 6 months 0.9% fee, 12 month 1.9% fee

          Are you doing this? Does it do any further credit checks or just uses balance?
          I haven't seen this before or investigated it. Is it also too good to be true?
          Convert $2500 > pay 0.9% fee of approx $23 > get $100 gift card > repeat every calendar month? How does this interact with Payall if we use our balance. Assume it just has to have at least $2500 available?
          Where is the monthly repayment taken from?

          • +1

            @leeroys_dad: Answers to machine gun questions…
            * Yes
            * No, it uses the available credit limit on card
            * Question asks for opinion. Yes it's good in my opinion if you shop at Myer/Coles/JB. If you don't shop at those stores then it's pointless
            * It doesn't interact with PayAll at all other than using the same credit limit on the same card. If you have a credit limit high enough to tolerate both draws upon it simultaneously, then good for you. If you don't, then it's gonna require a bit of managing to not overdraw your card
            * To get the giftcard you have to take at least $2500 which will be 90% of your available credit limit, so you need at least 2500/0.9 = $2777.78 available credit limit to use this to get a giftcard.
            * It will appear on your statement under the FPO section each month is my guess and you pay it off exactly the same way as you do your other charges on your credit card statement.

  • To confirm payall is treated like a purchase and not a cash advance?

    So you can blast away you limit each month and pay by the due date and not get an rogue fees

    also is there anything preventing you from doing a payall then paying back that value straight away and then going again etc over and over up to the limit (35k some people say?) - in the event you arnt approved for a high limit card?

    • Yes to the first bit. No fees during the promotion period. Unfortunately you missed the boat re reload and go again. After October you can only do your limit (do it in 2 transactions as you can't do more than 95% of your limit in one hit). Still good deal though.

      • yer rightio, so you wana get the highest limit you can / or as close to 35k as possible so you can bung on almost the max value to get the points

  • Yet another one late to the party and hoping someone will be kind enough to answer a few questions if you may. Not yet a Citibank CC holder but will be applying soon.

    1.) Any issues transferring using PayAll to an account in my name at another institution?
    2.) Is there a maximum amount for each PayAll transaction I should observe to avoid any 'red flags' (e.g. under 10k). I understand there is an unpublished 95% of credit limit threshold so would be splitting it into multiple PayAll transactions.
    2a.) Anything else I should be aware of to fly under the radar - e.g. using narrations such as 'Property management fee', 'School fees', etc. when scheduling the transaction? Perhaps randomising amounts and ates? Also I see you can select a category – any pointers here?
    3.) Would it be best to pre-pay the sum of the PayAll transactions onto the CB rewards CC? Or pay the full balance of the credit card after the fact and by the due date (direct debit) - does it matter?
    4.) Should I be observing calendar months or billing cycles when it comes to planning PayAll transactions to my max credit limit?
    5.) From the comments looks like many have been scheduling future payments – was this only because of the rule change a few months back limiting PayAll transactions to the maximum card limit?
    6.) Last question – off topic slightly. The CB Rewards Velocity FF offer earns a bonus 80,000 Velocity FF points upon spending $3,000 within 90 days on eligible purchases (eligible purchases exclude Cash Advances, Balance Transfers, Special Promotions, interest, fees, refunds, Chargebacks). Does anyone know whether PayAll transactions are considered eligible purchases?

    TIA champs!

    • +5
      1. Transfer to another name
      2. No
        2b. Don’t think it matters, I used professional services / home and reno/ charity
      3. No need to prepay if you have enough credit card limit to do the payall + all your other normal purchases.
      4. Doesn’t matter over the long term.
      5. Any payall setup during the promotional period (including future dates) are free.
      6. No they’re not.
      • So PayAll transactions are not eligible purchase for new card points bonus? Would be really nice if it is…

  • +2

    Just redeemed my first flight using Krisflyer miles converted from this little scam; it was BCN -> MEL in biz. Very nice hack indeed!

    • ho wmany points?

      • Was 150K points.

    • Hey bud, can you do me a favour and see if you can see any KF flights to NZ (CHC or ZQN) in July 22 (from Melb, Syd or ADL). I can't see a single flight. Not sure if it's my account. Weird.

      • Don't believe those flights run anymore do they? They used to transit over in Melbourne on the way over to NZ, but those flights got canned due to COVID I believe.

        Or might have been Canberra.

        • Used to be codeshare with Virgin / Air NZ.

    • How long did it take to convert Citibank points to Krisflyer miles?

      • About 2-3 days. They (Krisflyer) were also running a 15% bonus which was handy

  • Citibank Qantas Premier only get 0.5 point / $1.

    • +1

      Same as the non-Qantas version. Conversion is only 2:1 to Velocity and 5:2 to KF, but at least you can get KF. You can't with the Qantas one. Qantas really are full of themselves charging a fee to get QF points. They obviously think they're so much better than all other airlines, their points are worth a paying a premium to have your choices of redemption massively restricted. I've never been able to understand why anyone would have chosen the Qantas card. Only the most rusted-on Qantas fanboi or employee would have chosen the Qantas card.

      • Agreed with most the points you said about Qantas and their FF program.
        But to me it was much easier to get and keep the QF points for a long time than KF (lost over 30K KF due to inactivity).

        I had over 5 free return trips to Asia with just QF points (one was in Business class).

        Saying that, if given a choice, I would fly with SQ than on the QF. There are reasons that Singapore Airlines the world most favourite Airlines.

        • That's why you 'bank' the points as Citibank Rewards points (where they don't expire) and only convert to VF/KF as and when needed to avoid the expiry cliff. QF points also expire due to inactivity, it's just easier to tick over some activity with QF than it is KF, but the conditions are actually the same

  • I am looking at being a sad runner up in this race but hopefully participating. I am trying to find a table that shows the transfer rates of the different levels of citi cards.
    Does anyone have an up to date table with rewards, premier and prestige cards?

    • There used to be one like you describe back in the day when the cards were first offered around end of 2013 and called Platinum, Signature & Select, but I'm not aware of such a thing anymore. Probably because the airlines and points partners are constantly devaluing their redemption rates whenever they feel the need to show a brighter balance sheet to their shareholders. This makes maintaining an accurate table a virtually impossible task which is only accurate for as long as it's being edited. As soon as they stop editing, it's obsolete again and then they have a document in distribution that can be used against them to claim missing points. Citibank's MO is to not do that. They prefer to leave everything open to being adjusted as they see fit when it suits them. Then they can just add a single line to their T&C's which says "We can adjust these T&C's whenever we need to with no notice" which is the nice get out clause which covers all events when they get cornered and need a way out.

  • Weird, I keep getting an error message. Payment Unsuccessful. You have reached the maximum monthly limit allowed for the selected category.
    Even though it's a new month and I haven't transferred anything this month.

    • +1

      Your definition of which month you think your PayAll payments were made is different to the one Citibank uses. Citibank won't tell you what their definition is, but it's almost certainly different to yours. The way to avoid this is to only schedule payments well away from calendar month changes and your statement generation dates. I recommend no closer than 3 days to any of these significant events if you are to not be caught out.

      • Thanks mate, haven't thought of it from that perspective before.

  • anyone got some example payments sizes and categories, i keep getting the unsuccessful - over the monthly limited allowed for category

    kinda dont wana have to have 20x small payments if i can avoid it

    • not recently but i did 14000 for 15000 credit limit in category 'renovations'. i think it's about 90% credit limit is usable for payall

      • Personal Services worked fine for me.

      • 95%. I suspect Citibank have quietly tightened the limitations a lot since the change of rules on October 17. I suspect people like me were so successful at queuing up massive future payments for 6 years into the future that they've had a look at what they're up for and have decided to clamp down on new applications to limit their total exposure. You'll never be able to confirm any of this though of course because Citibank make these kind of changes undocumented. It's all done with tweaks to the online computer banking systems and no-one is told.

    • I have same error as you but unfortunately, don't know the solution. Long time ago, I'd get it half the time, but when I keep trying (I tried once daily, as someone said once it failed, it'd not reset until next day) I still managed setting up some, so I set until the next 2 years or so. These days, I can't set anything anymore (even far in the future I haven't set or small amount like $3k), so I just left whatever I already set and not touching them anymore for now. Sorry couldn't help much. I've asked their CS a couple of times, and they had no clue neither

      • I just cancelled it for now, have to many other cards to be given a high enough limit to make full use of it without going through a huge amount of pain. Ill try again just before the extended promo period ends again and then Ill have 2 years to make use of it

      • +1

        Yeah you'll get nowhere with their Manilla CSR's. They're worse than useless and just regurgitate pre-prepared scripts given to them. They're effectively nothing more than human chat-bots. They're given no information about how the PayAll system is administered. I actually foresaw that Citibank were going to start making this much harder after 17 October. The change of rules was the clue they had cottoned on that customers had figured out how to game the system to the max and were reacting to limit that. I tried to tell people to get onto it before 17 Oct while the going was good.

  • +1

    Of course, in much the same way as Hoover is a byword for vacuum cleaner, Kleenex a byword for facial tissues and Lance Armstrong a byword for cheat, we now have a new byword for making up the rules as you go - Michael Masi.
    Citibank is the Michael Masi of the banking world.

  • Anyone received the $200 Payall giftcard promotion?

    • Yes

    • Are you talking about the FPO option bonus of Coles/Myer/JB gift card thing, or is this something else?
      Care to copy the offer in here or link to it?

        • Thanks for that, but yeah, I never got the e-mail nor saw any trace of it on the website or phone app. I do however see their FPO promo has been expanded now to include $200 gift cards for a cost of $45, up from $100 gift cards for $22.50 cost before, so that's good.

          • @Legoman: FPO offer ?

            • @tunzafun001: On the app, they call it Quick Cash. You can draw down on your available credit to get instant cash (with interest charge of course) but they also give you a $100 gift card for trying it, and the gift card is worth waaay more than the cost of the interest. Effectively it's a way of buying $100 Coles gift cards for $22.50

              • @Legoman: Is that only if the interest that they're charging you is 0.99%? Assume it's probably not worth doing it for 2.99%? that's the offer i received.

                Also, any issues with paying off the amount in full or do you have to wait a certain period and copping some interest presumably before paying it off?

                • @squarepants: At the moment, the promo interest rate is 0% (which is what makes it worthwhile), but there's a one-time set-up fee of 0.9% and the minimum amount you have to get to qualify for the free gift card is $2,500. So the set up fee is 0.9% x $2500 = $22.50. That is the charge and it goes on your credit card. After that, since the promo interest rate is 0%, there's nothing more to pay. Wait 16 weeks and you get a $100 gift card for Coles/Myer/JB. Ergo: $100 for $22.50.

                  You must not pay it off early or in advance, otherwise you forfeit the gift card. Paying it off is automatic via the same direct debit you have set-up to pay off all the other charges on your credit card each month, so the whole thing is fully automated.

              • @Legoman: In the words of Greese the musical…tell me more, tell me more…

                Ie. Why coles cards? Where does $22.50 come from? And where is this offer? Cheers

                • @tunzafun001: The gift cards are valid for Coles/Myer/JB Hi-Fi apparently. I haven't got my first one yet, so I don't know what type they are. They take 16 weeks to issue and they have a very short validity of only 10 weeks, so Coles is the obvious use for them. $22.50 is 0.9% of the minimum $2,500 you have to get to qualify for the gift card which is the setup fee of the 6 month payoff schedule. It's 1.9% if you choose the 12 month payout schedule (but why would you?). The offer is only found on the Citibank app. It's not on online banking.

                  • @Legoman: Looks like it’s a no go for me. My app’s saying my interest rate is 2.99%.

                    Edit: so I’ve had a bit more of an in-depth look into my offer.

                    It’s min $2,500 at 2.99%. Choosing a 12 month term sets me back $211.73 per month for 12 months. This brings me up to $2,540.76 paid back. So a difference of $40.76 if I completed the term of the offer.

                    There’s a repayment schedule which sets out how much I need to pay back per month broken down by principal and interests. Assuming that the gift card comes in week 16 or about 4 months, my interest repayments up to then will be $22.04. If I pay off the remainder of the principal, that means I’ll be paying no further interest.

                    Conclusion: potentially only $22.04 for a $100 eGift card?

                  • @Legoman: 10 weeks validity…ACL says 3 years minimum…but it is Citibank! They are obviously claiming it is free to avoid the 3 yr requirement…but is it?

                    • @tunzafun001: Citibank is the banking world's Michael Masi. They make up their own rules and don't care about anyone else's

                  • @Legoman: It's 10 weeks to claim the gift card. Coles gift card is valid for 4 years.

  • +1

    There is one very strong caveat about trying to game the free gift card / FPO / Quick Cash caper though. You must not ever put your account into credit at any time during the 6 months minimum it has to stay there to get the gift card. This is the massive "gotcha" Citibank don't tell you in simple terms and also probably why they take 16 weeks to issue the cards, so that by the time you realise it, you've already paid multiple setup fees and can't get them back.

    Any payments you make in excess of all outstanding amounts owing on the card will be directed towards paying off the FPO outstanding principal, which means paying off the FPO early. If you pay off the FPO early you disqualify yourself from getting the gift card.

    What this means is that if you're gaming both the PayAll for the full 35K each month and the free FPO gift card thing at the same time and you need to put the account into credit momentarily during the month because you don't have a credit limit high enough to carry both forms of debt as well as expenditure all at once, then you're not going to end up getting the gift cards, and I'm guessing you won't find this out for 16 weeks when you start to wonder where your gift cards are.

  • Haha, gold!
    "Your Citi PayAll payment of AUD xxx to ,<insert name here> from card ending xxxx is
    declined. Please make alternative arrangements."

    Payment amount is the first for the month, is less than the card's credit limit, is less than the available credit showing on the account and declined anyway. Jump on Citibot-chat and simply ask why?
    CSR can't figure anything out. Has no idea at all. Can't even make up a plausible reason or suggest anything to consider. Just no idea. A senior manager will call you back in 3-5 business days (which effectively means in 2022) and sorry for you inconvenience.

    Citibank and Michael Masi = same thing. Don't make any plans or expect anything you set up to actually work with Citibank. Rules do not exist or apply and anything can and will change with no notice whatsoever. Brilliant.

    • Can see why Citibank are your favorite bank!

      • +1

        There is one bank that's even worse, more bureaucratic, more indifferent to rules and more unanswerable to any complaints… HSBC <shudder>. If HSBC were offering 10% term deposits tomorrow I still wouldn't go there. You'd be better off asking your local heroin dealer to hold your money for you than HSBC

    • Citibank has gaming you

    • oh no! is it/are others still set up as recurring payments in teh app?

      • Everything else is exactly the same as it was. Nothing untoward showing anywhere that I've broken any rules whatsoever. Even Citibank has no idea why the payment was declined. I'm taking this as confirmation that PayAll is not completely computer automated. There is some human intervention in the approval process before payments are made. Maybe only payments over a certain threshold get looked at by a human, but there appears to be a human involved. Humans of course make mistakes and have opinions and can be just plain belligerent for no reason. I suspect my payment has attracted the attention of the human checkers, who are a) incompetent, b) jealous, c) vindictive or d) instructed to make things randomly difficult.

        You can of course never contact the actual human checkers behind the scenes in the back office of Citibank, so it's extremely hard to argue rationally with someone you can't talk to who is hiding. Nevertheless, I have a complaint reference never and some recently graduated teenage idiot customer service "manager" is supposedly going to call me sometime next year, so he or she will be hit up for the missing points they've denied my by declining a perfectly valid payment.

  • I get notified (email/sms) yesterday 17dec 6pm, that next payall will happen on 22dec.
    If i did bpay yesterday 6.30pm to the cc account, it should arrive in time for the debit, correct?

    • Might not be in time as it’ll likely be processed as a Monday bpay.

      If you’ve got a citi bank plus account you can osko to it and then transfer to the card immediately.

      The payall will be debited from your card at 7pm on the 20th.

    • If it’s bank transfer, there’ll be little chance to reach it by Monday as per above comment. Best is to open other Citi account that can receive PayId for this one (ther global acc is free, for example). The transfer between Citi acc is instant

      • @team Oz
        @hanofee

        Yes i have citi plus account but the osko from ing (my main bank) to citi is NOT instant.

        Which banks does instant osko to citi plus for $8,000 ? I have anz nab ubank Macquarie ing

        • Osko from 86400 is instant.

        • Yeah, ING is abit silly with their oskos with max $1k instants only.

          I’ve done $18k Westpac to Citi osko instant.

          You might have a chance with anz

        • I use CBA. Max is $1k per transaction, but there’s no limit on how many times we do (just annoying to do N times $1k). ING limit is $1k per day.

          • @hanofee: I changed my limit to 10k with CBA.

            • @hellwolf: Thanks for the info, my transfer limit was always high enough, but probably due to first transfer it was limited to $1k, got an error back then when I tried higher (then I thought that was the max per transaction, silly me). I just tried again yesterday with $2k without changing anything and it worked just fine.

        • +1

          Macquarie is instant

        • Instant to Citibank from UBank & NAB.

  • +2

    @Legoman and all.
    yup thanks i can confirm either ANZ and Macq to CitiPlus are instant. limit is over $10k (just google for the max).
    and then CitiPlus to CitiCC is also instant (Showing as pending but the $ is there)

  • What's the deal with Citibank changing the Payall date? Mine is due on the 28th, but is apparently coming out tomorrow?

    • Public Holidays as there are no bank transactions over these days:

      Christmas Day Mon, 27 Dec 2021
      Boxing Day Tue, 28 Dec 2021

    • Citibank will change anything and everything to their complete and utter whim and they won't forewarn you about it or even tall you they've done it afterwards either. This is all perfectly normal Citibank behaviour. Where have you been for the last ~10 years? This is all part of the phun of banking with Citibank. Phun strictly in the Norwegian sense of the word.

      • According to my online translator Phun in Norweign is Phun in English… I feel I have failed here?

  • Update on the completely unexplained declined PayAll payment last week: Inquiry referred to CSR manager "who will call you back in 3-5 days". Unsurprisingly given the time of year, I have not exactly been holding my breath staring at my phone in anticipation of it ringing with an 02 number. Subsequent PayAll payments from the same account set up exactly the same way under the same conditions at the same time have all been processed successfully no problem at all. Inquiry reference now submitted to Citibank customer advocacy unit suggesting a fair resolution is to call the decline a computer glitch or an act of God and to just credit the account with the missing reward points from the decline and we all move on to next month. If that flies, I will get 39K points this month instead of the usual 35K, so wish me luck.

    • Ha…truly an act of god!

    • thanks for the update! godspeed

  • i just stumbled across this. Dont have a citibank card now. is this still worth applying?

    currently have a at george card with 6k credit limit

  • I have 2 citi cards, one acquired early last year and had set up my payalls before the Oct rule changes and a newly acquired one in December.

    I cant set up any payalls on the new 15k limit card whatsoever, same error as a few other previous posters that the maximum monthly limit allowed. It is irrespective of how far ahead I set it, the amount, the frequency, the category, the payee. Various chatbot agents did confirm that each separate card has its own separate caps of 10 tx per month, up to the credit limit, 5 tx max per beneficiary - all rules followed.. So this dosent make sense why I cant even make a one off $100 payall in 2022!

    • +2

      You're asking the question in the wrong place. Citibank's rules are as reliable and intelligible as Commissar Scott Morrison's COVID protocols. They can, will and do change at a moment's notice with absolutely zero rhyme or reason and no explanation whatsoever. Furthermore, they don't even apply equally to every participant. The rules depend entirely upon how important you are to the rule setter, how much money you have, how many private jets you own and how willing you are to lend them out. It works on exactly the same logic as Peter Dutton's visa application programme.

      If you're a Sri Lankan family with two children born in Australia (and hence Australian citizens) with a home in Biloela to go to, then it's off to Christmas Island detention for the next 3 years for you. However, if you're a blow-in French backpacker offering your au-pair "services" to Peter Dutton himself, then he can't issue that visa fast enough.

      It's all perfectly fair and logical and above board I assure you. Just ask Citibank.

      • -1

        "Sri Lankan family with two children born in Australia (and hence Australian citizens)"

        Unfortunately, under our terrible citizenship laws, the children are not Australian citizens because their parents are "illegal immigrants" (asylum seekers really).

  • +2

    This was definitely best deal of 2021.

    My partner and I have earned $3k worth of points so far.

    • +1

      Betting it’ll be the best deal of 2022 too!

  • +1

    ive successfully verified that my first 2 months payments were processed correctly and am very happy,

    Ive now managed to extend my 2 year plans until 2031!

    This card just keeps on giving! (on the assumption T/c's dont change)

    • Unfortunately you can never assume the T&C's won't change with Citibank. It's much safer to assume they WILL change. It already looks to me like they've removed the free $100 Coles/JB/Myer gift cards with FPO offer for the new year. It's completely vanished from my phone app as of today. One of the T&C's was that they could always withdraw the offer at any time without any notice, so this was always on the cards of happening.

      • T/Cs changing doesn't surprise me. But would the ones setup now until 2031 be safe? From the fees being added on later?

      • FPO offer is back. Just got an email this morning.

        • I received an offer for Citi Quick Cash at 2.99% today.

          • @SydneySwan: That's the one. I'm assuming they'll charge one month of interest upon setup.

            • @JIMB0: No this one charges interest on the daily balance. It is not like the fixed fee one when you pay a fixed percentage of the loan upfront.

          • @SydneySwan: Likewise.

        • The offer is back on online banking, yes, but the only one that comes with the free $100 gift cards as the sweetener is the one that appears in the phone app, and for me at least that one is gone. There is little point in taking up the FPO without the free gift card, because you can never recoup the one-off application fee in the current low interest climate.

  • Just looking at this again, if anyone who is on the different tier of cards is able to comment here what the transfer rates are I would much appreciate it.

    From what I can gather from non Citi sources (cause Citi are useless and don't provide them all)

    Rewards: 1 point per $1 on Citi PayAll = .33 KF points
    Premier: 1 point per $1 on Citi PayAll = .4 KF points
    Prestige: 1 point per $1 on Citi PayAll = .4 KF points

    • So I got off the phone with Citi and from what the agent told me there is one change to make. The premier card is the same as the rewards at .33 KF points for $1 spend on PayAll.
      She also said that there is a 12m exclusion on signup bonuses, which isn't listed on their website in the T&Cs when signing up…

      • The points are just Citibank Rewards points. You get 1 point per $ spent regardless of whether that was by direct purchase or PayAll. You get another extra point for each $ where you're able to use your Diners Club card (so use that card wherever you can like Colesworth/Bunnings etc). Once you have the Ciitbank Rewards points, then conversion to an airline is a completely separate matter. 2.5 points = 1 KF is correct for Premier at least. Platinum might be slightly less favourable as you suggest at 3:1 instead.
        No idea what you mean by a 12m exclusion. Don't understand that at all.

        • You can get more than 1 point per $1 spent on things like international spend, but for PayAll all card tiers are 1 point per $1.

          The 12m exclusion I was referring to signup bonuses. The Citi Rewards card currently has a 100k 1st year 75k 2nd year signup bonus (if meeting certain criteria).

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