Citibank Premier Credit Card - $600 Cashback ($2000 Spend on Apple Pay/Samsung Pay/Google Pay in 90 Days), $150 1st Year Fee » All Comments

  • Aureus on 01/12/2022 - 14:31
    +6

    Good deal. The Apple/Google Pay requirement is pretty annoying though.

    • littlesoldier on 01/12/2022 - 14:42
      +3

      Not sure the Apple / Google Pay refers to just wireless tap payment
      If it also counts online purchase / purchase within app and pay by Apple / Google Pay
      then it will not be too hard to achieve

      Many online shops or payment within app now accept paying via Apple pay / Google pay.
      Eg. Chemist warehouse website can pay via google pay

      For app payment, probably the easiest way is to pay to your Revolut account
      I can confirm that paying (using Apple Pay) to Revolut using Citibank creditcard doesn't count as Cash advance (it does count as cash advance for Westpac credit card)

    • LemonShapedRock on 01/12/2022 - 15:06
      +1

      I wouldn't say so.

      Any tap and go payment at any value can be done through Apple Pay. I was surprised when it let me pay for a $2,500 payment without a PIN.

      • nightfever on 01/12/2022 - 16:35

        It is for the tap and pay, for apple anyway. I can’t speak for google as I dnt have an android phone.
        (i believe using the credit card/s stored in the apple wallet to tap and pay, is considered as using Apple Pay)

        I have this card under the exact same offer. I’ve used tap and pay for my shoppings at woolies, CWS, etc. I’ve received the cashback in my 2nd statement.

        • littlesoldier on 01/12/2022 - 16:39

          Does adding the credit card in apple wallet and pay within app also consider as using Apple Pay?
          https://support.apple.com/en-au/HT201239
          ("How to pay using Apple Pay online or within apps")

          • SithVicious on 02/12/2022 - 09:44
            +1

            @littlesoldier: Yes, the apple wallet and app pay is Apple Pay.

            Basically if you are using your phone or ipad and have to manually type in your card details, name, expiry etc then it is NOT apple pay.

  • A female dog on 01/12/2022 - 14:31

    Just signed up and got approved for the Prestige credit card. Wondering if this is better value strictly for churning purposes… Might be too late anyway since I've already been approved.

    • Make it so on 01/12/2022 - 19:32
      +2

      That one has a really high annual fee though…. looking at how many points you get, it isn't really worth more than the $600 offer.

  • dirtyhen on 01/12/2022 - 14:33
    +4

    $300.3 for annual fee? it's an odds number?

    • Jayblesz on 01/12/2022 - 15:04
      +1

      It's $300.^3, not $300.30.

      As in it's an Asterix to point 3 at the bottom of the page/conditions.

      • Niko123456 on 01/12/2022 - 20:52
        +4

        300 to the power of 3? Ouch. $27 mil.

        • Jayblesz on 01/12/2022 - 22:36
          +1

          It's halved if you spend $48k p.a. though, bargain

        • dimes on 02/12/2022 - 00:21

          A Current Affairs special incoming

  • dragonos81 on 01/12/2022 - 14:41
    +2

    TLDR: You only have to spend it via a digital wallet, you don't have to buy Apple, Samsung or Google products.

    To be eligible to receive $600 cashback, you must apply for the Citi Premier Card by 31 January 2023, 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 or Google Pay. Cashback will be credited to your Account within 16 weeks of meeting the spend criteria. Your Citi Premier 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 31 January 2023. Post this advertised date; we reserve the right to continue, withdraw or change the offer at any time without notice.

  • [Deactivated] on 01/12/2022 - 14:48
    +1

    Can you use Google Pay online?

    Wouldn't be a bad way to buy a 2k laptop, and get $450 return!

    • littlesoldier on 01/12/2022 - 14:51

      same question as I have mentioned above
      if apple pay / google pay include online / app payment then its not too hard to achieve

      • mrtee on 01/12/2022 - 14:58

        Does it though?

        • littlesoldier on 01/12/2022 - 15:04

          Theoretically it does
          no matter you pay using "Tap Apple pay" or "Apple pay within app"
          Its the same paying via "Apple Pay" in Citi end
          But someone might be best to test it out

          The best way to find out is do a "apple pay" purchase in app
          then do a Live Chat with Citi and ask that transaction is eligible or not
          Citi rep can see the transaction merchant and payment facility from their end
          and confirm whether such transaction is eligible towards the offer

    • Geoff01 on 02/12/2022 - 08:52

      As long as you spend 48k otherwise it's $300 fee

  • qwerty-4321 on 01/12/2022 - 14:51
    -5

    Citibank back at it with the churn and burn offers.

    Don't forget to redeem a free credit report when you've "churned and burned" to see the hit your credit rating has taken :-)

    • mrtee on 01/12/2022 - 14:59

      Does it actually?

      • qwerty-4321 on 01/12/2022 - 15:04
        -2

        Applying for lots of credit checks in a short period will lower your credit rating (churning).

        Cancelling said credit cards once you've redeemed the joining perk will lower your credit rating again (burning).

        • Ehty on 01/12/2022 - 15:24
          +2

          Seems to go other way round for me , at least that's what commbank says today!

        • DustyAfternoon on 01/12/2022 - 15:26
          +5

          This isn’t the case in my experience.

          I’m on my 7th card in as many months, and my rating’s still respectable enough to get credit.

          I’ve heard in Aus the only things they care about is total available lines of credit, and whether you’ve missed any payments.

          • Charleston on 01/12/2022 - 15:34
            +1

            @DustyAfternoon: Yep… I've been doing it for years. Doesn't make a difference.

            And I check my free credit check too :)

          • qwerty-4321 on 01/12/2022 - 15:37

            @DustyAfternoon: Well my experience begs to differ.

            Im looking at my full Equifax credit report breakdown and it explicitly highlights a drop in my credit rating for applying for a new credit card within 12 months of a previous application. That is straight from the horse's mouth.

            Sure, you're credit rating might still be respectable, but that's not my point. (Your credit rating can be in the dumps and a bank might still give you a credit card) If you aren't careful your endless list of short term credit applications will raise an eyebrow when a lender is assessing your suitability for a mortgage

            • BargainGeezer on 01/12/2022 - 15:41
              +5

              @qwerty-4321: As long as all the cards are closed when you apply for a mortgage, they won’t care.

            • littlesoldier on 01/12/2022 - 15:54

              @qwerty-4321: Just recently applied for the Citi Prestige and my credit score hasn't changed
              The new credit card is listed in the report and also added a new credit enquiry entry
              but score has remained the same

              I believe for mortgage purpose, banks will look at your income / repayment ability rather than credit score (not saying that it doesn't matter,but they wont concern too much if its in acceptable range, let say > 600). So closing credit card accounts before applying mortgage should improve the repayment ability and increase the chance of successful application

            • NoApostrophePlurals on 02/12/2022 - 00:46
              +2

              @qwerty-4321: I've applied for so many credit cards over the years and hasn't affected my credit rating. I got two mortgages in the last 36 months and then refinanced one of them three months ago. None of the applications cared about my credit file and score. All they cared about was my serviceability, my income history and employment stability. The banks couldn't care less if you had 100 credit card applications, as long as they're all or mostly closed when you applycand you've never missed any repayments.

              My experience is just like the people replying to you, so just like you, "I beg to differ". I don't understand what you get from invalidating and ignoring other people's experiences, but you might misunderstand how a credit score works. There's more to a credit score than just your credit applications.

            • oziebee on 04/12/2022 - 12:05

              @qwerty-4321: same here, I was denied this card and was offered to check credit score from Equifax. I applied for 3 cards within 7 months though

            • NoApostrophePlurals on 02/12/2022 - 00:51
              +1

              @qwerty-4321: I would suggest you actually read that yourself!

              "cancelling a credit card could hurt your credit score, but that doesn’t necessarily mean it will."

              And it doesn't. You referenced a blog post by some hack finance journo wannabe who literally doesn't know how credit agencies work and she's just making rough assumptions.

        • Drakesy on 01/12/2022 - 15:54
          +2

          It actually isn't as bad as you make out.
          I've been taking out a new card every month and provided the previous card is cancelled my credit rating stays pretty consistent.

          Also credit isn't the be all and end all they make it out to be, not like America.

        • Weezle on 01/12/2022 - 20:57

          Incorrect. The enquiry will lower your score, but closing a credit card with which you've had good repayments on (no late or missed payments) increases your score.

    • Aureus on 01/12/2022 - 15:24
      +3

      Meh. It isn't a major hit and you get free money.

      I have never been rejected for a loan or a credit card, so my credit score is pretty meaningless anyway.

  • musicnut on 01/12/2022 - 14:57
    +5

    After you got the cashback, you can close the card and get refund for the annual fee on pro-rata basis.

    • Vulgar on 01/12/2022 - 15:16

      Is that how it works? I've recently churned another Citi card that had a $49 annual fee. Do you have to specifically request for a pro-rata refund to get it?

      • musicnut on 01/12/2022 - 15:48

        I don't think you need request for that. Just mention this to the customer agent when you close your account.

  • alan737 on 01/12/2022 - 15:06

    I applied for this credit card just three weeks ago and haven't yet used it. At the time of my application, Apple Pay was only accepted way to get that $600 cashback, anyone knowns if Google Pay is an acceptable way for my situation?

    • BoomTetrisForJeff on 01/12/2022 - 15:16

      might have to message them

    • Buff on 01/12/2022 - 18:23

      This is an ongoing deal, I got this card 6 months ago and used Google pay, and I got my cash back at promised. Loved it.

      • iykyk on 22/12/2022 - 08:29

        @Buff how long did it take to get cash back after reaching threshold? Also, can I pay off the CC early and still get it?

        • Buff on 17/01/2023 - 11:16

          90 days.

  • dm02 on 01/12/2022 - 15:06

    What CRB do they conduct the credit check through?

  • armyofme on 01/12/2022 - 15:06

    Got rejected for the prestige the other day. How long should i wait before applying for this one?

    • BargainGeezer on 01/12/2022 - 15:42

      3 months is the industry standard.

    • XedeX on 01/12/2022 - 18:44

      I got rejected. Sent them an email to reasses my application. Got approved straight away.

      • PeppaCat on 01/12/2022 - 20:12
        +1

        which email address ?

        • XedeX on 01/12/2022 - 20:39

          [email protected]

          • PeppaCat on 01/12/2022 - 21:40

            @XedeX: Thanks. Sent an email too. How long does it take them to response?

            • XedeX on 02/12/2022 - 01:21

              @PeppaCat: They are slow. You m8ght wanna give them a follow up call with your application number.

  • dealsgrabber on 01/12/2022 - 15:13
    +3

    I currently have this card and have received the cashback. Can I can and then reapply again considering there is no exclusion period? Not sure what are the chances of approval given I will be cancelling and reapplying in a matter of days.

    • annielolz on 01/12/2022 - 17:36

      I asked the representative and they said you can still apply but if it's similar to the offer of your previous card, you won't be able to participate in the offer. Didn't say what the timeline was though but i did ask if the application would be affected if I had this card previously and cancelled within the last 12 months.

  • [Deactivated] on 01/12/2022 - 15:20

    I don't spend much money in store, literally everything I buy is online so unless I can use this online it's not worth it

    • dealsgrabber on 01/12/2022 - 15:54
      +1

      Buy 4 * $500 Only One Visa GCs from Woolworths and then use them to pay rego, utility bills, insurance, council rates etc at Post Office. You can also use them online to pay the bills, insurance, any other online purchase which is within $500. Note there is about $8 card activation fee for each $500 of GC you buy or may be wait for some good GC deals at Coles/WW if you don't want to pay the extra $8 per $500 GC

      • [Deactivated] on 01/12/2022 - 16:50

        Yeah, I don't buy those cards simply because they have $8 fees
        Screw them! Then they change fees to the retailers or shops.

  • radien on 01/12/2022 - 15:27
    +1

    I've been meaning to buy my wife an iMac so this might work well.

  • mick123 on 01/12/2022 - 15:34

    Hey mate, what's cooldown period? Like a cooling off period?

    • Ozymandias on 01/12/2022 - 15:47
      +3

      Cooldown period as in the amount of time you have to wait between closing a card from Citibank and opening a new one, most banks will stipulate a 12 month gap.

  • cerealsmok3r on 01/12/2022 - 15:49

    is there a salary requirement for this card? also does it include citibank payall service? would love to use that

    • timhn on 01/12/2022 - 20:14

      Since the minimum credit is $10K so i guess around $50-60K annual salary.

      For Payall, have you click the deal and check the benefits with this card?

  • factor on 01/12/2022 - 16:04

    Ah good - priority pass is back.

    I'm still fee-free for life on this card — from the days of Citibank Signature fee-free deals being promoted here.

    • Make it so on 01/12/2022 - 19:32

      Same. Have had mine since 2013.

  • alan737 on 01/12/2022 - 16:08

    Citibank website doesn't mention Google Pay is accepted, just Apple Pay. Anybody paid with Google Pay and got the cashback?

    • radien on 01/12/2022 - 16:10

      We just rang them and they confirmed Google pay is fine.

    • Buff on 01/12/2022 - 18:24

      Yes I have it works on this deal.

    • Drakesy on 03/12/2022 - 16:57

      Its in the t's and c's ;)

  • mkowarkski on 01/12/2022 - 16:14

    I recently got a NAB Rewards Platinum credit card, giving me 60,000 points when spending 1,000 in the first 60 days. This is equivalent to ~$300.

    Once I get the points, will jump onto another one. LOL

    https://www.nab.com.au/personal/credit-cards/nab-rewards-car…

    • dy4me on 01/12/2022 - 19:27
      -2

      Your credit score must look lovely with all that churning.

      • mkowarkski on 01/12/2022 - 21:00
        +1

        Not bad 800< 😁

  • Ystki200 on 01/12/2022 - 16:39

    So to be clear about this point: "if you spend $48,000 on eligible purchases or cash advances in the previous year"

    it will be $150 first year fee, and if i meet the $2000 spend in 90 days, and cancel by say 11 months, i'm not going to need to meet this huge $48k spend target?

    • bboT on 02/12/2022 - 01:50

      Cancel before 2 months, pro rata $150.

      Cancel after 12 months, $150 + pro rata $300.

      Forget the $48k.

  • Iwantthatbargain on 01/12/2022 - 16:49
    +2

    I applied so many credit cards through Ozbargain deal, I was rejected on my recent application. The message from Citibank was "high number of credit applications" in the recent year

    • [Deactivated] on 01/12/2022 - 16:51
      +1

      How many had you applied for?

      Your credit score may be affected.

      • Iwantthatbargain on 01/12/2022 - 16:52

        7-8 since January, but that includes StepPay, Latitude and Zip etc, which are not plastic cards

        • nightfever on 01/12/2022 - 17:09

          :O thats a lot of applications…

          • [Deactivated] on 01/12/2022 - 18:03

            @nightfever: Still a credit hit, nearly one a month.

            It will take a while to get your credit up, I would do a credit check if I was you.

            I don't flip much, even if I was it'd be 2-3 max a year.

            7-8 a year, you're screwed.

            • stopthecap on 01/12/2022 - 18:46
              +3

              @[Deactivated]: Not true. I do 7-8 a year and have 808 and 785 score

              • [Deactivated] on 01/12/2022 - 19:20
                -1

                @stopthecap: You do, until you don't mate.

                Once it hits, and it's reviewed…you'll be in the tank.

                Imagine someone wanting to loan you money, checks and you have turned 20 Credit Cards in 24-36 months. Good luck with that! LOL

                You could be a high earner? You could own no properties, or own many! There is so many factors, but either way it never looks good.

                My bank, they cry over a single credit card limit. If they saw I turned over 5 CC a year, I'd never get a loan and my credit score must be perfect.

                • DustyAfternoon on 01/12/2022 - 20:41

                  @[Deactivated]:

                  they cry over a single credit card limit

                  Yeah, that’s debt you could go out and incur tomorrow. If you have a line of credit you can max out, for their calculations you may as well have.

                  Provided you’ve repaid debts on time, they DGAF how many cards you’ve churned.

                  • [Deactivated] on 01/12/2022 - 20:55

                    @DustyAfternoon: Isn't a credit hit only once you've been sent notice for late payment?

                    I've never understood how people get it so bad.

                    • DustyAfternoon on 02/12/2022 - 07:29

                      @[Deactivated]: Yeah, my understanding is, so long as everything’s paid on time, you’ll stay creditworthy.

                      The model for credit card companies is to tempt you into more debt you can repay, so they can rack up the fees and high interest. It’s inevitable some people will fall over the edge entirely and miss payments.

              • Iwantthatbargain on 01/12/2022 - 22:14

                @stopthecap: My score is close to 800 but Citi still rejected it.

              • oziebee on 05/12/2022 - 12:41

                @stopthecap: Did you check Equifax credit score. It is way less than the Experian score for me.

                Looks like exqifax has messed up with the scores in the US

                https://www.wsj.com/articles/equifax-sent-lenders-inaccurate…

  • [Deactivated] on 01/12/2022 - 16:56

    It would be good if you need to buy something in-store, even JB hi-fi.

    You can just pay 2k, and you'll get $600 back.

    It's a pretty solid deal, well the $450.

    Just have to hope for a sale and in-store availability etc

    • nightfever on 01/12/2022 - 17:11

      Use it to buy discounted gift cards at woolies or coles!! Then double dip! :D

      • [Deactivated] on 01/12/2022 - 18:03

        If they're available

  • NoelBargain on 01/12/2022 - 17:15

    a silly question,
    is google wallet and google pay the same?

  • NoelBargain on 01/12/2022 - 17:34

    If shop online and let google to fill in the cerdit card details for me by entering the "CVC".
    Will this consider as an eligible purchase via google pay/wallet?

    or I have to use the app (google wallet) on my phone? that's mean I have to shop in store.

  • AlanI on 01/12/2022 - 17:52
    +1

    Since when did Citi Australia support Google Pay? For years they've absurdly only supported Apple Pay and Samsung Pay.

    Their Mobile Wallet webpage still doesn't list Google Pay - though clearly they've now got more updated webpages on the topic.

    Is this support a consequence of the NAB accruing them?

    • factor on 01/12/2022 - 18:14
      +1

      Yep - we found Google Pay worked soon after the NAB acquisition. Their website is not keeping up.

      Priority pass coming back again was news to me too.

  • wordsmith on 01/12/2022 - 18:41

    Any inputs around their minimum annual income requirement for this card?

    • nightfever on 01/12/2022 - 21:06
      +1

      I think it’s 75k annual income.

  • vishmanj on 01/12/2022 - 18:44
    +1

    Google pay and Apple pay, no deal.

  • XedeX on 01/12/2022 - 18:52
    +4

    For people with apple pay. I have found an easy way. I transferred $2000 to my Aus bank account through Western union. Western union gives you the option of paying with apple pay. Setup citi credit card in your apple pay. The amount take 2-3 days to be transffered. Once the amount is transferred it is considered a $2000 purchase.
    Please note western union charge a $2.90 fee for this transaction.
    Already tested. Got the cashback.

    • cerealsmok3r on 01/12/2022 - 19:04

      pretty cheap way to do it if tthis is the case!

    • [Deactivated] on 01/12/2022 - 19:21

      This is pretty awesome!

      I think CC with 80-100k bonus points are still better value, I mean you can sell even shitty QFF points for 1c PP.

      • shegeloaf on 01/12/2022 - 22:56
        +1

        What? I had 110,000 points. So ×0.01 i could of sold it for $1100.

        Where do people buy these points?

    • ganjadeals on 01/12/2022 - 21:01

      I tried this with Westpac and transaction was considered "cash advance". Did you have similar experience with Citi Credit Card?

      • XedeX on 01/12/2022 - 21:03
        +1

        Nope. Citi considered this as a purchase from western union. Not cash advance

    • littlesoldier on 02/12/2022 - 10:29
      +1

      Cheaper option is to transfer to Revolut, no transfer fee and not consider as cash advance

      • ganjadeals on 05/12/2022 - 12:31

        Even if this is not considered cash advance, Revolut 'may' charge a fee of up to 1% of the transaction amount. They introduced this recently and I have not topped-up since this fee was introduced.

        • littlesoldier on 05/12/2022 - 13:06

          I just did a top up last week with Citi premier credit card

          No surcharge was being charged

          • ganjadeals on 05/12/2022 - 13:30

            @littlesoldier: Thanks for letting us know. Hope it's the same for all top-ups with Citi cards and not customer/account specific. I might test with a small amount.

          • ganjadeals on 06/12/2022 - 16:45
            +1

            @littlesoldier: Just received another email from Revolut:
            "We'll be charging a fee of up to 1% when you add money to your account using a credit card issued in Australia. This is to cover the processing costs of card top-ups applied by the service provider."
            So now they have changed the terms from "may" to "we'll be". I'll try a top-up of $5 just to b sure 😂

            • littlesoldier on 06/12/2022 - 17:23

              @ganjadeals: I’m got the email too
              It says effective from 4th December so probably why I didn’t got charged last week

            • littlesoldier on 06/12/2022 - 17:26

              @ganjadeals: Just done one top up now for $25 using Citi premier seems still no surcharge

              • ganjadeals on 06/12/2022 - 17:31

                @littlesoldier: Do you think they can apply the surcharge later? They've done their part of informing us but i am not sure if the fees can be applied at a later date than the top-up date.

                • littlesoldier on 06/12/2022 - 17:35

                  @ganjadeals: Usually the surcharge will deduct as the time when the transaction is processed, don’t think they can deduct later as they don’t store the credit card and it’s not a post payment authorisation

                  (For Apple Pay at least)

                • littlesoldier on 06/12/2022 - 17:40

                  @ganjadeals: Just tested by manually putting a Westpac credit card

                  It will show the fee before confirming the top up, so very sure Apple Pay (for now) incur no fee

                  Credit card
                  https://ibb.co/PYjsfH3

                  Apple Pay
                  https://ibb.co/S5ZNZ9L

                  • ganjadeals on 06/12/2022 - 18:43

                    @littlesoldier: Great, my card is arriving in a few days. Will use this before they pickup Apple top-ups 🙂

    • SgtBatten on 02/12/2022 - 13:48
      +1

      How is this not a cash advance lolwot

      • XedeX on 02/12/2022 - 14:40
        +1

        Citibank considers western union as a retailer for currency. So i guess you are just buying forex and is considered purchases..

        • kane1990 on 04/12/2022 - 14:14

          Does anyone know if they have google pay as an option as well?

          • XedeX on 04/12/2022 - 14:25

            @kane1990: I have only seen Apple pay in iphone western union app. I haven't seen google pay option in android app.

    • Kongzi on 12/12/2022 - 23:38

      Just got my card. Thinking of doing this. Does it still work?

      • XedeX on 13/12/2022 - 08:27

        I think so.. i only tried this late october. So don't think they would have changed anything in a month or 2.

        • Kongzi on 22/12/2022 - 09:32

          Did a $1950 transaction. It went through. Even got points for it. But did not have to pay a fee for it. Is there a delay for the $2.90 fee?

          • XedeX on 22/12/2022 - 09:38

            @Kongzi: Sometimes there is no fee. I believe the fee may be targeted. I have used it a few more times, and i haven't been charged a fee.

      • rightsock on 16/12/2022 - 09:00

        How did you go? I was thinking of applying for this card today to give this a go

    • Kongzi on 07/01/2023 - 12:19

      Got the cashback. Looks like this worked. Thanks for the tip. Can this also be done for other credit cards? Or is it only Citibank specific?

      • XedeX on 07/01/2023 - 12:43

        I have only tried this with citi. Not sure about other cards.

  • 100humming on 01/12/2022 - 19:35

    Is the priority pass lounge access still valid after cancelling the card?

    • timhn on 01/12/2022 - 20:17

      More likely not. When they scan your PP code, it will send to Citibank to validate.

    • Drakesy on 02/12/2022 - 11:55

      Last time i took the priority pass out (pre-covid) once you have it you have it, i.e. they can't take it off you once you've signed up for it.

  • Dddddi on 01/12/2022 - 19:48

    Chat with Citi confirmed google pay

  • Boomer85 on 01/12/2022 - 20:21

    Any recommendations for long term keep credit card?

    • Drakesy on 01/12/2022 - 20:56

      If you're a true ozbargain churner long term cards dont exist.

      Except maybe that one off citibank lifetime or latitude free for life offer

      • nightfever on 01/12/2022 - 21:08

        Oh god I closed Citibank platinum free for life card coz I was so fed up with their service several years back. I went back to them to take up this specific credit card offer and thought things may be different since they’re now under NAB. How wrong I was. It’s still the same 😅 but I wanted the cash back so I guess I’ll cop it for the sake of it

  • l o l on 01/12/2022 - 20:49

    Not valid for existing customers, I assume?

    • timhn on 01/12/2022 - 22:17

      Do you see any of such restrictions in their T&Cs?

      • l o l on 02/12/2022 - 14:53

        "To be eligible to receive $600 cashback, you must apply for the Citi Premier Card by 31 January 2023"

        I applied in 2011, so I guess that's before Jan 2023 :)

        Edit: just checked the website and it says "when you spend $2,000 on eligible purchases using Apple Pay within 90 days from approval."…

        So yeah, I guess I just missed out.

  • coast666 on 01/12/2022 - 20:59

    Just canceled last month

  • tomwu on 01/12/2022 - 21:09
    +2

    Good deal but I'd suggest cancel the card after getting the cashback.

    Citibank is a horrible bank which I've with them for over 10 years. I've got a Visa signature card.

    Earlier this May I noticed I'm not able to access my rewards points, then I started reaching out to Citi customer service team for 10 times which they're not able to get it fixed. Then I raised an official compliant to their customer care team. Reaching to them numerous times.

    At last, I lodged a complaint to AFCA in late Oct.

    Yet so far, still no progress. I just got an email every 2 weeks for apologies not able to get things fixed. It has been 6 months and I don't know how long it gonna take further.

    It's a horrible horrible bank. Stay away.

  • nokia3660 on 01/12/2022 - 22:01

    yea this deal has been going on for a while. Got this one and Citi Clear together to offset my HT-A9 purchase by $800 (450+350). Yet to receive the cashback though.

    • alex123711 on 16/12/2022 - 22:43

      Is the Citi clear deal still running?

  • gungirlyuna on 01/12/2022 - 23:46

    Does this work if you have a Citi home loan?

  • zan5hin on 02/12/2022 - 00:23

    Declined in October on 100k salary. They can get stuffed.

    • Mrgreenz on 02/12/2022 - 00:51

      There's more to it than salary I imagine.

  • payless69 on 02/12/2022 - 07:05

    Great find!
    Sounds like some disgruntled ING staff member re-defining the meaning of hoops to restart a dead economy.

  • snehalnangre on 02/12/2022 - 08:15

    Can I use this card to pay school fees?
    Thank you

    • prodnus on 02/12/2022 - 08:55

      If bpay yes or can use citi PayAll fee free promo

  • freelanc85 on 02/12/2022 - 09:48

    Sorry a newbie question. But can this credit card be cancelled before the annual fee comes into play?

    • littlesoldier on 02/12/2022 - 10:37
      +2

      Certainly can cancel before the next year annual fee hitting the bill
      but dont think it is possible to avoid the 1st year fee

    • timhn on 02/12/2022 - 20:24

      You can ask for the fee prorated after you close it - call up CS or via webchat.

      • nokia3660 on 03/12/2022 - 13:33

        if you get the cashback then I guess it would be a hard sell to get the fee prorated.

  • rrrrrrein on 02/12/2022 - 13:03

    75k of salary is a hurdle?

  • marbss on 03/12/2022 - 16:44

    Wow when did they add Google Pay? For the longest time they had an exclusive deal with Apple and Samsung.

    • timhn on 04/12/2022 - 09:40

      I found out in Sep

  • bght007 on 03/12/2022 - 18:54

    Thanks op.

    Any one recently applied know how long it takes to process?
    And how long before you get the card in the mail?

    Finder says 7-10 business days

  • carbunkle on 06/12/2022 - 21:00

    I currently have a citibank clear credit card.

    Am I eligible if I apply for this as a second citi card?

  • simosimo on 07/12/2022 - 13:56

    If I had a clear credit card within the last 6 months, will I still be eligible for the points for this one?

    • timhn on 07/12/2022 - 17:19
      +1

      If you get approved then yes. Citibank is the only bank that has no such restriction in their T&Cs.

  • TheRoYouKnow on 08/12/2022 - 21:24

    Amongst reading the comments, it seems a bit shift & may impact your credit for this card. Some people getting rejected with clear credit and 60+k salary? Something doesn't seem right lol

    • Drakesy on 08/12/2022 - 22:56

      This is a premier level/black card so id imagine $75k min

  • AussieDeals on 10/12/2022 - 13:48

    For those expecting to get a pro-rata annual fee refund after cancelling be aware that NAB (which provides these Citi branded cards) has quietly cracked down on this with their own cards. Please share if you have any luck getting a pro-rata refund when it's time to cancel this Citi CC in this forum thread

    • ozzieozzieozzie on 11/12/2022 - 11:39
      +1

      Tried to request a pro-rata refund for my Citibank Premier Qantas CC, was told no via web chat. Luckily my annual fee was the promo of $175 only. Seems the honeymoon is now over for pro-rata AF refunds with NAB and Citibank.

      • AussieDeals on 11/12/2022 - 12:02

        Quite unfortunate, I only managed to take advantage of the pro-rata refund once but better than nothing. Was surprised NAB group ever offered it at all as most other banks scoffed at such a request

        • ozzieozzieozzie on 11/12/2022 - 12:29

          That is true. I had a NAB Qantas CC i managed to get a pro-rata AF refund a few months ago. I'll cherish it. Only cost me $16 for 90,000 QFF points.

  • gengi on 14/12/2022 - 21:59
    +1

    Did they have a cooldown period or previous cardholders? I can't seem to find anything about this.

    • timhn on 21/01/2023 - 12:41
      +1

      You can't find because they don't have that in the T&Cs

      • gengi on 24/01/2023 - 08:14

        thanks

  • Westpac on 16/12/2022 - 00:11

    Can you sitll get this if you had citi rewards mastercard withhin 12 months

    • FeZZa21 on 13/01/2023 - 13:51

      yes since it doesn't have any previous cards conditions in the t&c. the rewards card is likely different to this one anyway.

  • ChubDog on 19/12/2022 - 10:19

    Just got instant rejected for this card even though I meet the income requirement.
    Called Citi and was told I have repayment issues although my credit report says otherwise.

    Anyone had a similar experience with this card application?

    • [Deactivated] on 19/12/2022 - 11:39

      First time ever getting denied. I'm on 130k salary and above excellent credit history. No missed repayments so yes very odd.. maybe they see I've been churning cards too often haha.

      • ChubDog on 19/12/2022 - 12:38

        Are you me? Similar position in every aspect lol.
        At least it isn't just me but still unfortunate.

      • Drakesy on 19/12/2022 - 16:03

        Yep, had a similar experience although with St George (Citi hasn't denied me yet). Was bumped up into a bracket slightly higher than yours and overnight started getting rejections.

        I think it's an auto-deny algorithm if you're too well positioned to pay back your debt, or your outgoings are too low it's likely you won't get it as the risk profile is too low (they like people with high expenditure/high chance of having to pay the exorbitant interest rates.

        • FeZZa21 on 13/01/2023 - 13:56
          +1

          Not in my experience, I've always specified I have 20k+ cards with other banks and a balance owing of 0 and don't get rejected

    • 28kb on 02/01/2023 - 14:39

      same.. ugh

    • offthetap on 13/01/2023 - 13:57

      yes this happened to me also

  • iykyk on 19/12/2022 - 15:57

    How long after $2K spend until you get cashback?

    • Kongzi on 07/01/2023 - 12:20

      Got it within the month

      • iykyk on 07/01/2023 - 20:39
        +1

        Noob question but how do I pay off the credit card, their app is terrible

        • Hunter14 on 10/01/2023 - 18:01

          They make it hard to pay on purpose. More chance of you missing your payment and paying interest.

          There should be a Bpay number on your first statement.
          You can just pay there from your bank.

          Or set up an automatic direct debit. You need to fill in their easypay form and upload it on their website.

          • iykyk on 10/01/2023 - 19:46

            @Hunter14: Thanks, just paid. Hopefully cashback soon.

  • Hunter14 on 10/01/2023 - 17:54

    Applied and got my card in about 10 days.

    Received my card in Early Dec and got the cashback within 1 month even before my first statement was due.

    No issues at all.

  • gothebroncos on 11/01/2023 - 16:35

    I wish there was a spreadsheet for all these CC deals

  • ILikeThis124 on 16/01/2023 - 08:24

    If I do a balance transfer does that count towards the $2000 minimum spend?

    • ILikeThis124 on 16/01/2023 - 08:53

      Just called & confirmed that balance transfers don’t count towards the minimum spend.

  • Everest99 on 16/01/2023 - 11:11

    Was never rejected by any other provider, but applied for citi rewards credit card with 60,000 velocity points and 0 annual fee for first year but rejected straightaway after submit application. any way around?

  • chrisharry53 on 17/01/2023 - 08:25

    Applied Saturday and approved Monday. Income about $68k pa from super pension and part aged pension. Already have 3 cards with $13500 limit. Easy and quick process.

    • Save Medicare on 01/02/2023 - 13:33

      Sounds like responsible lending lmao

  • Thunder-Wombat on 17/01/2023 - 09:48

    How long did you have to wait after spending the $2000, I just got my first statement and it hadnt been applied

    • inthemoney114 on 20/01/2023 - 20:55

      Same here. 1st statement was issued yesterday and got charged annual fee. Still no points

      • wangasm on 25/01/2023 - 11:50

        Got mine the day after receiving 1st statement, met the spend requirement pretty much straight away with Revolut.

        • inthemoney114 on 28/01/2023 - 20:57

          It was google pay / apple pay from memory. How did you manage that with Revolut?

          • wangasm on 28/01/2023 - 20:59

            @inthemoney114: Revolut lets you top up their card using Google Pay and for whatever reason Citibank doesn't recognise it as a cash advance (You even earn points for it), so I just topped up $2000 and withdrew it back to my bank right away.
            At the time there wasn't any fee or limits to using Gpay, but now there is a 0.76% fee, which I think is still worth it if you are struggling to meet the spend.

            • inthemoney114 on 28/01/2023 - 21:28

              @wangasm: Genius. Thanks for that. Will come in handy for the next churn and burn lol

  • iykyk on 25/01/2023 - 12:00
    +1

    Got my cashback first statement, called to cancel card and annual fee was refunded when I requested. So that's $600 and 4046 flybuys points transferred. Thanks Citi for another churn and burn.

    • inthemoney114 on 28/01/2023 - 20:56
      +1

      Got my cashback after i called. Now Cancelled card and asked for annual fee refund. They said you'll get a check in the mail for $150. Hope so

  • pluto on 26/01/2023 - 15:36

    which one is better this or https://www.ozbargain.com.au/node/729346 ?

    • wangasm on 28/01/2023 - 20:57

      150,000 points is worth roughly $600-$700 depending how you use the points, so other one is slightly better if you can meet the spend

  • timhn on 31/01/2023 - 20:32

    Anyone apply for this and got request to upload a "Proof of Address" doc (credit card/bank statement, utilities bills, driver licence, etc) and "Proof of identity" doc (passport, medicare etc)? I've applied many cards with Citibank in the past and never been requested this type of id - or even from any other banks. Normally just online verification is enough for this.

    • wangasm on 01/02/2023 - 00:54

      Yep same here, think they do this for all their cards now. Probably heightened security checks due to the recent data breaches.

  • Save Medicare on 01/02/2023 - 13:31

    How annoying. Was going to apply for this yesterday but procrastinated.
    Didn't realise yesterday was the last day

    But the website is still up. is there hope for an extension?

  • auindie on 03/02/2023 - 09:42

    Why is this deal marked as expired evethough the citi website still displays the same offer

    • Drakesy on 03/02/2023 - 09:49

      Citi's page still displays the offer as finishing 31st january. Im guessing they either renewed it without updating the fineprint or someone cooked it

    • wangasm on 03/02/2023 - 12:32

      From the T&C

      This offer is valid until 31 January 2023. Post this advertised date; we reserve the right to continue, withdraw or change the offer at any time without notice.

      I guess the expiry date could be changed to "unknown". Same thing happened for the Prestige card, someone confirmed with support the offer is still valid.

  • wangasm on 15/02/2023 - 18:35

    Offer has been extended to 31 May 2023, there weren't any changes from what I saw.

  • chrisharry53 on 18/02/2023 - 13:29
    +1

    I did the Revolut thing and got $600 cashback on same day as annual fee, about 3 weeks after account opened.

    • ee380 on 22/02/2023 - 12:49

      What is the Revolut thing?

      • wangasm on 22/02/2023 - 18:32

        2nd comment on front page. Top up Revolut account with Apple/Google pay. Note there is a small fee to top up this way (0.76%) and some accounts have top up limits.

  • myfeetarehappy on 23/02/2023 - 00:37

    Is there some way to tell which transactions in the history are Apple Pay?

    I'm unsure how close I am to the spend target as there's a mix of Apple Pay and conventional card payments.