Hi, looking for a new credit card to churn and found this. First time posting a credit card deal here and this one seems like a good deal with a modest spending with good amount of cashback. I assume you can only take advantage of this deal if you're an iphone user. It has an annual fee of $99 on the first year which will net you a $301 cash back.
$400 cashback when you spend $2,000 on eligible purchases using Apple Pay within 90 days from approval. 1
Benefits of the Citi Rewards credit card
Cashback on Deliveroo - Enjoy $10 cashback on one Deliveroo order of $25 or more every month until 30 June 2022
Complimentary mobile phone insurance - Enjoy monthly cover on your eligible mobile phone for Accidental Damage or Theft when you pay your Monthly Mobile Plan bill with your Citi Rewards credit card
Earn Citi reward Points - Earn 1 Citi reward Point per dollar spent on Eligible Transactions, up to $10,000 Domestic Spend per statement period and uncapped on International Spend
Annual Fee
$99 in the first year, $149 in subsequent years.
Additional Cardholder: $90. You may have up to four (4) additional cardholders, who must be 16 years or older.
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To be eligible to receive $400 cashback, you must apply for the Citi Rewards Card by 29 June 2022, then spend a minimum of $2,000 on eligible purchases using your new card through Apple Pay or another eligible digital wallet within 90 days from approval. Excludes Cash Advances, Balance Transfers, Special Promotions, interest, fees, refunds and Chargebacks. "Another eligible digital wallet" means Samsung Pay. Cashback will be credited to your Account within 16 weeks of meeting the spend criteria. Your Citi Rewards Card must remain open and in good standing to receive the cashback. Cashback will reduce the outstanding balance of your Account but will not count towards your next monthly repayment obligation. Please note that if you have a balance transfer you will not be entitled to any interest free days on retail purchases. This means that all spend will be charged interest at the applicable annual percentage rate. This offer is valid until 29 June 2022. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. ↩
Citi is very notorious when it comes to application approval imo. Sometimes they will approve it straight away, while most times they will reject it without an explanation. I have had mixed reviews dealing with them, and I feel the risk-to-reward ratio is always too high for me to apply for a Citi Credit card.