This was posted 1 year 11 months 21 days ago, and might be an out-dated deal.

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

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Citibank Premier Credit Card - $600 Cashback ($2000 Spend on Apple Pay/Samsung Pay/Google Pay in 90 Days), $150 1st Year Fee
Go to Deal
Drakesy on 01/12/2022 - 14:14 www1.citibank.com.au (5194 clicks)
Last edited 02/12/2022 - 19:21 by 1 other user

Citibank back at it with the churn and burn offers.
$2000 is a comparitively small spend for $600 cashback ($450 net profit after annual fee)
Added bonus of Priority pass lounge access.
Once again no cooldown period is quoted in the T's & C's, classic Citibank

Balance transfer rate 0% p.a. for 6 months2 with no balance transfer fee. Reverts to cash advance rate. Please note, no interest free days apply to retail purchases while you have a balance transfer.
Annual fee $150 in the first year and each subsequent year if you spend $48,000 on eligible purchases or cash advances in the previous year. Otherwise $300.3
Additional cardholder fee $0. You may have up to four (4) additional cardholders, who must be 16 years or older.
Retail purchase rate 21.49% p.a. or pay off eligible purchases at a fixed interest rate over a set term with a Citi Instalment Plan.^
Cash advance rate 22.24% p.a.
Interest free period Up to 55 days interest-free on retail purchases (unless you have a balance transfer).<
Minimum credit limit $10,000
Maximum credit limit $100,000

Financial Apple Pay Cashback Credit Card Google Pay MasterCard Samsung Pay

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Citibank Australia
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Google
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MasterCard AU
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closed Comments

  • 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

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