This was posted 2 years 9 months 3 days ago, and might be an out-dated deal.

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Citi Prestige Credit Card: 300,000 Citi Rewards Points ($7,500 Spend in 60 Days), $350 First Year Fee (Save $350)

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Citi Prestige Credit Card: 300,000 Citi Rewards Points ($7,500 Spend in 60 Days), $350 First Year Fee (Save $350)
Go to Deal
SoulButter on 03/10/2022 - 22:50 www1.citibank.com.au (10959 clicks)
Last edited 04/10/2022 - 09:56

Key Points:

  • $350 annual fee in the first year (save $350).
  • 300,000 Citi Rewards Points when you spend $7,500 on eligible purchases within 60 days from approval.
  • Points redeemable for $1,500 in gift cards, $1,150 profit after annual fee. (According to rwrds)
  • $20,000 minimum credit limit, $100,000 maximum.

Extra Perks:

  • 4th Night Free: Enjoy your 4th night free when you stay four consecutive nights at a huge range of hotels.
  • Luxury Escapes: Enjoy 10% off Limited Time Lux Exclusive hotel offers (up to $500) and international tours (up to $250) until 1 March 2023.
  • Priority Pass: Unlimited complimentary access to over 1,200 Priority Pass lounges around the world for you and one guest.

Edit: Spoke to Citi live chat, they state the hard requirement of income has been removed. I was told I would still be eligible for the points despite currently holding a Citi rewards card. Looks like they've removed the one promo a year cap for this card, YMMV of course.

Financial Credit Card MasterCard Reward Points

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closed Comments

  • ricktiger on 18/12/2022 - 21:35

    From Citi website:
    "A cardholder can make up to $20,000 (subject to available credit) in Citi PayAll transactions each calendar month across all Citi branded Credit Cards."

    If I already have a Rewards card and using the $20k limit, can I still make use of Payall if I apply for a Prestige card? Is it $20k per card or for all citi cards combined?

  • moneytopocket on 20/12/2022 - 21:32
    +1

    So theoretically speaking, would it be possible use Citi Payall to transfer 7.5k to an account i.e. a partner/friend, receive the 300k reward points and then use the 7.5k that was initially transferred over to pay off the card?

    • timhn on 21/12/2022 - 13:29

      Yes, theoretically.

  • kfcsam on 22/12/2022 - 11:45

    Do you need to have paid off your card to get the bonus points? Just working out if I move the funds from offset now or wait till statement due date (my bonus points havent arrived yet, first day of statement)

    • timhn on 22/12/2022 - 16:34

      I've received the bonus points few days after 1st statement. Paid at the due date.

  • DrakeIsEasyListening on 23/12/2022 - 10:38

    What’s the best conversion of points for flights to Europe? Thinking KrisFlyer

    • The Hobo on 23/12/2022 - 12:55

      Depends which airlines you're looking at really - velocity do ok and is a better conversion

  • timhn on 24/12/2022 - 16:54
    -1

    Has anyone used the Priority Pass to bring more than 1 guests to the lounge? I wondering if you can bring one in then walk out 10min later to bring the 2nd guest to same lounge.

  • TheSnakeNZ on 26/12/2022 - 12:24
    +6

    FYI - I put a $12k bill on the card, paid in full and got the points the following month. Pinged Citibank support and asked for a pro-rated refund of the annual fee, and got $320 back.

    Therefore got $1500 worth of gift cards for $30 lol… pretty good deal boys.

    • Robot16 on 26/12/2022 - 15:20

      Nice! Churning to a new card?

    • gadgetguy on 26/12/2022 - 16:57
      +3

      I think it's a better deal if you can make use of the Priority Pass and the $180 worth of points each month via PayPal. Significant net profit over the year rather than any cost at all.

      • gadgetguy on 26/12/2022 - 18:51

        *Payall

        • Robot16 on 26/12/2022 - 20:48

          Yeah, I probably won't be able to take advantage of the priority pass but the monthly payall is what is making me keep this card and cancel the anz black

      • squarepants on 26/12/2022 - 21:44

        Could you please explain the $180 worth of points?

        If converting to gift cards, wouldn’t it be $100?

        Unless you’re converting it to FF miles and valuing it that way?

        • gadgetguy on 27/12/2022 - 00:58

          35k points is worth around $180 in gift cards.

          • squarepants on 27/12/2022 - 08:35
            +1

            @gadgetguy: Ah yep, but for people who signed up to this, I’m assuming that they’d be limited to only $20k per month as opposed to $35k under the new PayAll terms?

    • furakoph on 26/12/2022 - 21:25

      Did you pay it in full right away or after they send you the bill in 45days?

      • TheSnakeNZ on 27/12/2022 - 11:38

        Once the bill came the following month the points were credited then.

    • amorphous2111 on 04/01/2023 - 20:10

      May I ask how did you ask for your refund? I closed the card yesterday after 3 months and today asked for a pro rated refund but they flat out refused.

    • nightelves on 05/01/2023 - 13:32

      Insane! Nice work!

    • ShazOz on 07/01/2023 - 06:57

      What did you ask them to get pro-rata refund?

  • moneytomyway on 30/12/2022 - 21:37
    +1

    Just got my card approved today.

    However the email says 2% fee on PayAll, without mentioning it will be until free until 31/10, not sure whether I need to double check with Citi before going crazy with PayAll.

    Has anyone tried accessing the lounge or priority boarding with the digital card in Citi App? As I will be flying out next saturday, there will a high chance I wont receive my card on time (Sydney) but I can actually activate the card in the App

    • timhn on 31/12/2022 - 07:23
      +2

      You should be ok to access the lounges with the digital card. I believe you can check if the lounge accepting digital card in the app. My physical card never out of the drawer.

    • SnoozeAndLose on 07/01/2023 - 07:07

      What is the priority boarding?

    • milleniallol on 13/01/2023 - 11:32

      Hi, did you check with Citi whether the PayAll 2% fee is correct? I've also applied and intend to use this to fulfil the $7.5k minimum spend so I'm worried now. Haven't been approved yet - only applied last night. Cheers!

      • timhn on 14/01/2023 - 11:21

        Did you check the fine print about PayAll? Your question practically there.

        Click the link to the deal, scroll down to "A card that works harder for you", find Citi PayAll, click Learn More.

        • milleniallol on 15/01/2023 - 20:36

          Thanks for your reply. I did but according to other users on this thread, the PayAll 0% fee has been extended until Oct 2023, despite the fine print and email of acceptance, stating a 2% fee. However, that page was very helpful and does confirm the 0% PayAll fee is extended until Octo 2023. Thank you for sharing!

        • hlg0606 on 18/01/2023 - 23:59
          +1

          I have also received a variation notice together with the card package.
          It says the payall fee is 0 until 31/10/2023

  • ndave on 30/12/2022 - 23:59

    Can we use PayAll/beemit to pay a friend or better ourselves? Wouldn’t that allow people to just transfer among friends and earn free points every month?

    Also, can the additional card holder get a separate priority pass for free lounge access? If yes, does it mean both card holders can bring one guest each?

    • vasya on 04/01/2023 - 22:20
      +2

      Yes. Yes. My additional card holder successfully applied for a separate priority pass, but after a week it was cancelled. N/A

      • nightelves on 05/01/2023 - 13:37

        Why did the PP get cancelled? Also in theory the PP card only allows for one additional guest right?

        • ndave on 05/01/2023 - 15:16

          I got only one invite for priority membership which is for the primary holder. My wife, additional card holder didnt receive the invite for priority membership.

          The wording is a bit confusing for the additional guest. See attached

          https://ibb.co/JRsDQtn

          • vasya on 05/01/2023 - 21:19
            +1

            @ndave: You are provided an url to apply for the PP with whatever Mastercard level. So I used it as a primary cardholder and got the PP membership (for me and 1 guest). My partner tried to do the same as the additional cardholder's card has a different number. Initially they got PP membership as well (the process worked exactly as for me), but after several days the PP membership was expired (I guess after verification with Citi/Mastercard).

            Of course feel free to try by yourself, there is no punishment for the try ;)!

        • vasya on 05/01/2023 - 21:20
          +1

          I guess it is expected according to T&Cs.

          My PP card worked fine for me and 1 guest recently.

          • ndave on 05/01/2023 - 22:31

            @vasya: My understanding was that the guest is free every time but if you see the screenshot I uploaded, it hints that the guest entry is free only once and after that guest is chargeable. But it can also be read as first guest is free every time and second guest in the same trip is chargeable :)

            Did you try guest entry more than one time?

            • vasya on 06/01/2023 - 19:00
              +1

              @ndave: Yes I did. I went to Sydney airport with my partner in December and used my PP twice at 2 locations for me and my partner.

              • SnoozeAndLose on 07/01/2023 - 07:10
                +1

                @vasya: What ndave is asking, you go in with 1 guest the first time, then the primary card holder come out and re enter the second time with the difference guest and repeat until all of the family member is in the same location.

                • vasya on 07/01/2023 - 13:51
                  +1

                  @SnoozeAndLose: OK I see

                  What I did is I went to one café with my guest and afterwards in 30 minutes went to another cafe with 1 guest with no issue, but lounge isn't available with PP in Sydney Qantas terminal unfortunately.

                  • SnoozeAndLose on 07/01/2023 - 15:25

                    @vasya: Did you go to domestic T2 and T3's cafe? I am planning to arrive early and do the same.

                    Does the cafe need to be sit in or they can do take away?

                    • vasya on 07/01/2023 - 16:23

                      @SnoozeAndLose: Not sure - didn't ask about take away. However they sell stuff like sandwiches or toasts, so no way they can force you to eat them in the cafe.

                      • SnoozeAndLose on 07/01/2023 - 16:29

                        @vasya: Cool, if you bring a guest means you can shop up to $72?

                        I have a Jetstar fight, am I able to get it?

                        • vasya on 07/01/2023 - 16:32
                          +1

                          @SnoozeAndLose: yes they actually first checked my PP card both times and asked if I'm with a guest and then advised that I can spend $72 from PP card and anything on top to be paid by some other means.

                          I don't get the second question.

                          • SnoozeAndLose on 07/01/2023 - 18:14

                            @vasya: I means if I travel with Jetstar instead of Qantas, it won't disqualify me going into the PP cafe.

                        • timhn on 07/01/2023 - 21:10
                          +1

                          @SnoozeAndLose: You have PP not a Qantas lounge pass.

                    • vasya on 07/01/2023 - 16:23

                      @SnoozeAndLose: Domestic T3(Qantas)

                      • ndave on 09/01/2023 - 06:39

                        @vasya: Qantas lounge didnt accept my PP :(

                        • carlenet on 09/01/2023 - 08:51
                          +3

                          @ndave: It's not valid in any Qantas lounges.

                        • vasya on 09/01/2023 - 10:11
                          +3

                          @ndave: you should check the PP application or website - they specify which lounge/cafe is supported by PP at particular airport/terminal. Sydney T3 has only 2 cafe working with PP, for example.

                    • 76F on 07/01/2023 - 17:05

                      @SnoozeAndLose: It can be takeaway.

                  • runamuck on 07/01/2023 - 15:49

                    @vasya: Did they check your boarding pass?

    • nightelves on 05/01/2023 - 13:36

      Wait I didn't know Beemit allows you to transfer among friends using credit card.

    • timhn on 05/01/2023 - 15:04
      +1

      Can we use PayAll/beemit to pay a friend or better ourselves? Wouldn’t that allow people to just transfer among friends and earn free points every month?

      Don't know about BeemIt, but people has being enjoy riding the PayAll gravy train since 2021. Some probably done few RTW trips

      • ndave on 05/01/2023 - 15:11

        I am wondering if ATO would flag accounts for tax since these receiving accounts will have large deposits from our credit cards every month.

  • Nat000 on 01/01/2023 - 11:16

    I thought i read that they were removing the unlimited access proirity pass membership for new applicants after dec 31st 2022. Can anyone confirm this is the case. I've just clicked on the link ( Jan 1st) and i see it as a perk.

    • roseXivy on 02/01/2023 - 09:44
      +2

      The 2023 PDS says it's still a perk too (https://www.citibank.com.au/global_docs/pdf/citi-prestige-cr…)
      "Offer valid from 1 January 2023 until 31 December 2023.
      Benefit
      Complimentary Priority Pass membership and unlimited lounge visits for Citi Prestige primary
      cardholder and one guest.
      Complimentary lounge access for Citi Prestige primary cardholders and one guest. Citi Prestige
      cardholder’s guests can enjoy up to 35% discount on the first‐year membership fee for Priority Pass™
      ‐ the world’s largest independent airport lounge access program."

  • Nat000 on 02/01/2023 - 10:22

    Great. Thanks so much.

  • maverick1 on 04/01/2023 - 21:25

    just checking to see if there is a workaround for this situation.

    I've a Citi Premier Card with 6k limit and 35kPayall setup (setup back in 2021) for next couple of years on this card.

    I also got the prestige with 20K limit recently, but when trying to setup a new Citi Payall on the prestige I keep getting the error max limit reached. I understand Citi probably takes into limit of all open Citi cards and hence not letting me setup more payments. Is there a way to make this work?

  • nightelves on 06/01/2023 - 13:53
    +1

    Has anyone been able to use the $100 transfer credit?

    • gadgetguy on 06/01/2023 - 18:14

      Spent ages giving all the details over the phone but they never responded with a quote. Waste of time.

      • T1 on 19/01/2023 - 11:57

        The concierge team are pretty hopeless, and they take sooo long to get things done on the call.

        What I do now when booking the transfer is I email them all the details, then ask for a call back to confirm everything. (same thing for the hotel stays)

        Even with everything spelt out clearly in the email, it still takes an incredibly long time for the operator to book it in.

    • Bugishere on 10/01/2023 - 20:30

      Yes. I used it from Hilton surfers to gold coast airport. Didn't get charged any extra.
      I booked another one for later this year and the proces have gone up so the $100 doesnt go as far. It lands up being about $40-50 of value when compared to uber rates

    • braker on 16/01/2023 - 16:30

      Yep, used it in Sydney.

  • Stickout on 11/01/2023 - 09:41

    I read through the whole thread, am i right to understand that, to meet the minimum spend, one could:
    1. link the Prestige card in BeemIt.
    2. use BeemIt to Bpay for your ATO, council bill or other Bpay Bills
    3. this would then show up on the Prestige as a BeemIt transcation, not a Bpay Transaction.

    therefore qualifying for the minimium spend?

    sorry i'm a bit slow on this.

    Cheers.

    • BellaWii on 11/01/2023 - 09:55
      +1

      I find Beem to be highly unreliable. When I first tried it didn't work. Now I can pay Sydney Water but not Council rates using BPay, go figure.
      Use PayAll if you can to meet minimum spend.

      • arctan on 11/01/2023 - 20:58

        Hi mate, just to confirm that PayAll transaction also count towards the minimum spending of $7500 for prestige card?

        • BellaWii on 11/01/2023 - 22:05

          Yes, it’s been confirmed by others in this thread that PayAll transactions count towards the $7,500. I didn’t use PayAll to reach it though.

    • arctan on 11/01/2023 - 21:05
      +3

      I was able to pay ATO just now with Beemit and my new citibank credit card. So it works now.

  • jackking on 11/01/2023 - 15:26

    Can we also get Citi Premier Card deal? https://www.ozbargain.com.au/node/729346

    • timhn on 11/01/2023 - 21:56

      Nothing stopping you. If you get approved then you'll get the bonus.

  • bellroy26 on 11/01/2023 - 17:13
    +1

    Has anyone tried booking the 4th night free benefit for someone else?

    • Stickout on 15/01/2023 - 15:26

      yeah I'm wondering the same thing, their citi-prestige-credit-card-benefit-terms-and-conditions pdf say the 4th night will be in the form for a 'credit' in 6-8 weeks, i hope the credit is just the money refund, not some hotel credit that you have to redeem for your next booking.

      • braker on 16/01/2023 - 16:31

        I have booked a Europe trip and will use this 4 times. I think they accidentally credited me already (it's not till April) but I got an email saying the credit will be processed. It showed up back in my account. Note - it's pre-taxes.

        • VRZ on 22/01/2023 - 02:23

          Did you book this via the concierge service or online?

          • braker on 22/01/2023 - 09:29
            +1

            @VRZ: You have to do it via them. I email the concierge for a quote and then you have to call them to book/pay for it. I’ve received another of the 4th night free credits back even though the trip isn’t till April.

            • VRZ on 22/01/2023 - 18:47

              @braker: And their pricing is exactly the same prices we get from expedia?

              also do you know if they can book hotels which aren't on expedia?

              • braker on 22/01/2023 - 18:52

                @VRZ: Yep pricing is whatever the time on Expedia as a logged in member eg if there’s 10% off for members.
                Haven’t tried booking not on Expedia but I think when they give you a quote that’s where it comes from.

                • VRZ on 22/01/2023 - 19:15

                  @braker: thats good to know thanks.
                  How long do they take to reply via email?

                  • braker on 22/01/2023 - 22:17

                    @VRZ: Usually no more than 6 hours. Sometimes 1 sometimes 3.

  • ozbargain2019 on 11/01/2023 - 19:13

    Anyone have any tips for using the points? Is gift cards the best way and how do you buy the gift cards?

    • timhn on 11/01/2023 - 21:59

      You redeem from the web portal

  • ricktiger on 13/01/2023 - 01:43

    Hi Oz Bargain community,

    Just received an email from Citi advising of approval, however the email mentions the Citi Pay All fee of 2%, however I believe Pay All is fee free until October 23?

    Has anyone here recieved such an approval email with the Pay All fee mentioned and incurred any fees as a result of then going on to use Pay All?

    Thanks in advance.

    • cathalm8 on 16/01/2023 - 16:42

      Yeah same here. Not sure what the deal is now?

      • braker on 22/01/2023 - 09:30

        When you receive the card in the mail there is a flyer which has the updated dates. It’s still free.

  • freq flyer on 13/01/2023 - 13:04

    Hi All,
    How often does the reward points balance update on the Citi app? I make test transactions and then monitor the points earned to confirm the spend is considered eligible for the bonus points. Thank you.

  • Ash-Say on 16/01/2023 - 10:54
    +3

    Just got Citibank to fully refund annual fee. Eventually got $1500 gift cards for free.

    • chinawa111 on 16/01/2023 - 11:17

      Haha nice, what did you say as your reason to cancel :)

    • runamuck on 16/01/2023 - 13:09
      +2

      Wouldnt keeping the card yield more return if you do payall 20k each month? Thats like $100 in gc each month. So for $750, you will get extra $1000 in gc since payall has no fee until october.

      • Ash-Say on 16/01/2023 - 13:12
        +5

        I have another credit card with Citibank so Payall is already all setup for next decade :)

        I told them I want to reduce my credit footprint and already hold another fee paying credit card with them. There were some reservations but eventually agreed to refund the full annual fee.

        • maverick1 on 19/01/2023 - 13:50

          I have a similar setup to yours - have both prestige and another rewards card with payments setup for next 4/5years so I’m going to cancel prestige as soon as I get the SUB.

          Did you use any other benefits like concierge, 4th night free and priority pass? I’m not going to use either of these and ask for refund of annual fee.
          Wondering if using the perks has any impact on whether they refund or not or is if it’s completely random.

          • timhn on 19/01/2023 - 19:39

            @maverick1: Wouldn't matter if you have used all the perks. Not their job to digging your spending history unless you raise question about your transactions.

        • 1bargain on 01/02/2023 - 11:40

          Can I ask which card you have and what’s the fee and benefits on that card? Thanks

      • milleniallol on 27/01/2023 - 14:02

        Hey, can you please elaborate on the 20k payall payment a bit more please?

  • bargainsaregood on 16/01/2023 - 15:35

    I just went onto Citi Online to cancel my card via live chat but the customer service officer - Rich is refusing the refund of any of the $350 pro-rated annual fee.

    Any tips? I have only had it for a month or so and met the criteria.

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