This was posted 1 year 10 months 16 days ago, and might be an out-dated deal.

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Citi Prestige Credit Card: 300,000 Citi Rewards Points ($10,000 Spend in 90 Days), $350 First Year Fee (Save $350)

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Citi Prestige Credit Card: 300,000 Citi Rewards Points ($10,000 Spend in 90 Days), $350 First Year Fee (Save $350)
Go to Deal
RGV on 15/02/2023 - 18:55 www1.citibank.com.au (7177 clicks)
Last edited 16/02/2023 - 09:11 by 1 other user

Minimum spend increased from $7,500 in 60 days to $10,000 in 90days

Copied from Previous deal https://www.ozbargain.com.au/node/728311

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(rwrds.com.au))
$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.

According to comments, a minimum annual salary of $150,000 is required for applicants

Financial Credit Card MasterCard Reward Points

Related Stores

Citibank Australia
Citibank Australia
MasterCard AU
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closed Comments

          • heytherehoney on 09/05/2023 - 18:46

            @Nuggets: Can you spend credit at airports where there are lounges? e.g. MEL has a few lounges + participating restaurants

            • johnmelb on 09/05/2023 - 19:37
              +1

              @heytherehoney: Yes, I've been to Melbourne priority pass "restaurant" "quick shots" T3, you also have access to Rex lounge.
              Was really easy, just show priority pass app with barcode, then just say if you got a guest, then confirm flight details and order.
              Just check the app, search for Melbourne and which terminal you will be travelling from.

  • relicsinner on 15/02/2023 - 21:11
    +1

    Would I still be eligible for this deal if I already have the rewards platinum card?

    • wangasm on 15/02/2023 - 21:49
      +1

      Yep, I was able to get this after getting the Premier deal a month previously.

      • mikeadwell on 11/03/2023 - 16:38

        Please let us know if you get paid out the points as that's the big test!

        • timhn on 11/03/2023 - 17:15

          I cancelled the Rewards card a day before applied for the Prestige. Got the points without issue.

          Why are people worry about this when their T&Cs not mentioned any such exclusion of getting bonus points if having any Citibank credit cards?

          • Nuggets on 25/03/2023 - 13:48

            @timhn: I’ve hit the spend requirement comfortably but am still waiting for my 300,000 to arrive after two statements. Was holding a premier at the time of opening the prestige.

  • cashless on 15/02/2023 - 21:26
    -7

    This is only for OzB high rollers right? Oh wait, I forgot, most Ozbargainers fit into that bracket

    • cheekymonkey97 on 16/02/2023 - 13:47

      Ouch, imagine projecting your insecurities that hard.

    • recession1 on 16/02/2023 - 09:53

      The terms say $20k per “cardholder” so this may actually work. I’m also interested to know if anyone has tried it.

    • hawkeye93 on 20/02/2023 - 19:27

      Wouldn’t primary and sub cardholder share the same limit? If you have 20k and sub card uses 15k, only 5k left for primary.

      • Deskorpio on 25/02/2023 - 01:35
        +1

        Yes. Learned it the hard way. Hubby was my secondary cardholder before he got his own card (as primary holder). I accidentally set up PayAll with his secondary card thinking it was his Primary card. (Hope this made sense). Not only did he share my limit and numbers of transaction, it also affected the PayAll transaction limit on his own card.

    • expatOz on 22/02/2023 - 21:26

      Any tried this?

  • Associatedshppngtrlly com au @ RWRDS on 15/02/2023 - 21:56
    +2

    After you spend $10k:

    160,000 Velocity points
    1 points per dollar
    Points transfer 2 CitiRewards points -> 1 Velocity points

    128,000 Krisflyer miles
    0.80 miles per dollar
    Points transfer 2.5 CitiRewards points -> 1 Krisflyer miles

  • Fat Horny Ghost on 15/02/2023 - 23:10
    +2

    So payall is basically a bank transfer, you can transfer 20k into mortgage offset then transfer back again after a month without any fees or deductions?

  • nadan on 16/02/2023 - 00:33

    You will get declined straight away if you have allowed for a citi product in the last 6 months.

    • tt8 on 16/02/2023 - 08:16
      +2

      I closed my Premier card and applied for this one the next day, had no issues.

      • nadan on 16/02/2023 - 10:14

        I got rejected twice and so did many other people and in another thread someone mentioned they were told by Citi that it is because they had applied for other products in the last 6 months.

      • thousandsuns on 16/02/2023 - 11:57
        -1

        You won't be eligible for any bonus points. Why on earth would you apply right away? There is a 6-month cool down period.

        • tt8 on 18/02/2023 - 08:22

          I applied after reading dozens of stories here that there was no exclusion period.

          They were correct — I’ve already received the bonus points :)

          • nadan on 18/02/2023 - 16:43

            @tt8: There is no exclusion, however if you have been rejected then you will have to server a minimum three months wait before applying again. It is not 6 months according to the Citi agent on the phone but rather three months.

            • thousandsuns on 18/02/2023 - 17:33

              @nadan: That makes no sense. So all banks except citi are dumb to actually allow churners to keep taking up points without any cool down period? The agent on the phone told me otherwise.

              • nadan on 18/02/2023 - 19:51

                @thousandsuns: This is if you have been declined and not if you have applied successfully for a different card.

              • Autonomic on 23/02/2023 - 14:50

                @thousandsuns: Agents will say anything to get you off the phone.

                • nadan on 25/02/2023 - 00:04

                  @Autonomic: Nope confirmed with a few agents that if you have been denied, you need to wait three months before trying another application.

    • Iwantthatbargain on 16/02/2023 - 11:37
      +1

      Not true

      • nadan on 16/02/2023 - 11:43

        what is not true?

        • Iwantthatbargain on 16/02/2023 - 18:49
          +1

          What I meant is I had applied for Premier card and was approved, and within 6 months I got Prestige also approved.

  • expatOz on 16/02/2023 - 00:33

    Anyone know if citi use Equifax or Experian?
    For some reason my score in one is significantly higher than the other

    • hyp3dup on 04/03/2023 - 17:22

      Experian and illion

  • MAD for Everything on 16/02/2023 - 08:15

    I have an old Citibank Visa debit card that is dormant till I use it overseas to withdraw money from ATM. I don’t see PayAll on the app so I am assuming PayAll is a feature for credit cards and not debit cards.

    If I apply for the Citi Prestige Credit Card, will I get the PayAll feature?

  • lawbee on 16/02/2023 - 08:48

    Unlimited Priority Pass access seems very interesting. Since domestic airport doesn't require a ticket to enter, can I just go to airport and get some free foods everyday?

    • CodeXD on 16/02/2023 - 08:52
      +1

      Check the T&C, all the restaurants should have:

      To be eligible, Cardholders must present a valid Card and Boarding Pass with confirmed same-day travel before placing an order.

      https://www.prioritypass.com/en/lounges/australia/melbourne-…

      • lawbee on 16/02/2023 - 08:53

        Thanks for checking! They outsmarted me!

        • CodeXD on 16/02/2023 - 08:53
          +1

          stay in law school bee!

      • cardiology on 16/02/2023 - 10:08
        +2

        But I read that once you have the same day boarding pass at Domestic Terminal(s), you could hop between the 2-3 cafe/stores to claim $39 + $39 (for a guest) from EACH of them in the same day! AND then go to the lounge (if available).

        • recession1 on 16/02/2023 - 20:40

          This is correct.

        • CodeXD on 16/02/2023 - 20:45
          +1

          $36*

    • recession1 on 16/02/2023 - 09:41

      I usually only get asked for a flight number not a boarding pass so you probably could get away with it if you really wanted to.

  • cardiology on 16/02/2023 - 10:09

    Is the ONE free airport transfer up to $100 in 2022 still going on this year?

    • 76F on 16/02/2023 - 11:55

      Yes, just booked one.

    • expatOz on 22/02/2023 - 21:29

      What this benefit? Can’t see it mentioned anywhere.

      • cardiology on 26/02/2023 - 08:14

        It is on their website, max $100 to/& from the airport one claim per year. Fee calculated on the distance travelled.

      • timhn on 26/02/2023 - 10:57

        Click on the deal. Scroll down to "The card that works harder for you". All the perks in there.

  • ggggg on 16/02/2023 - 10:18

    How is the $16k balance transfer compared to the $10k churn of PayAll? No extra points earn on balance transfer but of a higher amount to offset account.

    For balance transfer if at minimum limit of $20k, balance transfer amount to $16k. 0% for six months i think

    • RNDM on 16/02/2023 - 10:25

      No point using balance transfer. Especially when it comes to this card. The benefit really comes from using the PayAll feature.

  • rrrrrrein on 16/02/2023 - 11:36

    Should I lower my Amex explorer credit limit before I apply?

  • MAD for Everything on 16/02/2023 - 13:12

    Been reading a lot of threads from other Citibank deals but got kinda confused with all the different credit cards Citibank offers.
    I am going to apply for this Citibank Prestige Credit Card, pay the $350 annual fee, churn it and then cancel before October 2023 (before the fee-free PayAll deal ends)

    Before I cancel, I want to apply for a Citibank credit card that preferably has no annual fees or a very low annual fee that still has the PayAll feature. So a few questions:
    1. what Citibank credit card would you recommend applying for that you would keep forever?
    2. If I have the Citibank Prestige and the new low annual fee credit card at the same time, then cancel the Prestige, would the scheduled PayAll automatic payments transfer over to the new card or do I have to set it up all over again?

  • BuyLowLetsGo on 16/02/2023 - 14:10
    +1

    This is one of the best cards I've churned to, as a point hunter. So good, that I'll just keep using it despite the $350 fee.

    The Payall method + priority pass + point conversion ratio pays for itself really. Also have used the luxury airport transfer + 4th night free feature.

    As above, $10k limit can be easily hit by Payall to yourself.

    • CodeXD on 16/02/2023 - 14:19
      +3

      Only first year is $350, then $700 from 2nd year onwards. Have you been able to negotiate $350 annual fee?

      • BuyLowLetsGo on 21/02/2023 - 20:47
        +1

        Brain fart. Yes, it's $700. But used enough of Priority Pass and other features to basically breakeven already.

        Also been maxing out my 20k payall each month effectively giving me 240000 pts/annum extra on top of the 300k bonus.

        P.s. might actually try to ask for a reduced annual fee when the time comes.

      • Autonomic on 23/02/2023 - 14:52

        At this point interest on $20k will beat the $700 annual fee (not accounting for taxes).

    • nightelves on 20/02/2023 - 16:03

      Was it easy to do the 4th night free and when do they actually credit back to your account?

      • BuyLowLetsGo on 21/02/2023 - 20:49

        Pretty quick! T/Cs say you get it only after your stay, but I had a booking back in Dec 2022 that was paid out mid Jan 2023, and before my actual stay in Feb 2023.

    • Jamesrulez1 on 21/02/2023 - 18:55

      Do you reckon the 4th night free feature beats out the Centurion/Platinum luxury hotel benefits?

      Personally I find the earlier check in and later check out as having an extra day with additional benefits like free champagne, credits and minibar from AMEX to be better in $ figures.

      • BuyLowLetsGo on 21/02/2023 - 20:51

        No idea what the Amex value would be worth.

        Just to give you an idea, I booked 4 nights at the The Apurva Kempinski Bali and got back $370. Could get more with even higher tier hotels of course.

  • rrrrrrein on 16/02/2023 - 14:18

    Minimum salary 15k?

    • CodeXD on 16/02/2023 - 14:19

      $150k

      • rrrrrrein on 16/02/2023 - 14:21

        missing 0 :) Minimum requirement? I saw someone put up 75k got approved

        • CodeXD on 16/02/2023 - 14:24
          +1

          That was a previous deal. They approved me a week ago and I do not have $150k annual income.

          You can try to put your application through but you literally cannot click 'next' button on the form unless your income is over $150,000. It will just keep saying error. No error message but the annual income field is red.

          • rrrrrrein on 16/02/2023 - 14:28

            @CodeXD: Nor sure if it's worth a try, it was rejected by Citi age ago. Lower credit limits from another bank help?

        • PoRKroLL on 17/02/2023 - 14:41
          +2

          no minimum requirement though I had to apply over phone.

          Got approved in a day

  • marc171 on 16/02/2023 - 14:50

    how is this deal saving $350. is first year annual fee waived?

    • Zeppelin on 16/02/2023 - 15:08

      $700 is the normal annual

  • PerthectDeal on 16/02/2023 - 17:14

    Wow, just read Citibank now accepts google pay/wallet. Happy with that as usually we put cards on wife and my phone, easier to get the spend required than sharing a physical card like we had to before.

  • Sneakz on 16/02/2023 - 18:50
    +1

    Citibank live chat seems to think there is no minimum income requirement and that to ensure we are entering the income in the correct field and no other fields 🙄 lol

    • Sneakz on 16/02/2023 - 18:51

      What I don’t want to do though is go past the page asking for my dob etc because it’ll hit my credit file it says and then it won’t let me continue without the 150k p\y income anyways ?

      • CodeXD on 16/02/2023 - 19:57
        +1

        I put in fake numbers till the annual income page to test it out

        • Sneakz on 16/02/2023 - 23:05
          +2

          I see, I faked it and yah defs 150k, I will message live chat again tomorrow and show them the screen shot the silly buggers

  • CodeXD on 16/02/2023 - 23:53
    +1

    Received my card today.

    First thing I did was schedule payall of $20k to my offset account.

    Since I didn't have my offset bsb/acc saved in my citibank, I decided to cancel the payall and manually sent $1 to my account first. Once this was successful, I tried to re-initiate the payall but now I am getting the error that I have reached my monthly limit.

    Payment Unsuccessful

    You have reached the maximum monthly limit allowed for the selected category

    I read in the previous thread that this lock takes 24 hours to clear, is this normal?

    I've also had the app crash a few times on me just trying to do all these. So hopefully when it is available again, I can set reoccurring and not use the app after that.

    • AL008 on 17/02/2023 - 09:18

      $20k payall limit per month.

      You manually sent $1, which means you have $19,999 remaining?

      • CodeXD on 17/02/2023 - 09:23

        I used normal transfer which sent via osko. Payall requires scheduling for next week.

        I even tried to send $10k and got the same error.

        • wangasm on 17/02/2023 - 12:33
          +1

          I've had this kind of random lock before, you just have to wait unfortunately.

          Also note there is a hidden limit where you can't use PayAll to push past 95% of your credit limit in 1 transaction.
          So if your credit limit is 20k, you can only do 19k PayAll or less. You can do multiple though and pay some off in between to stay under 19k.

          • CodeXD on 17/02/2023 - 12:35

            @wangasm: Thanks for this.

            I saw it in previous thread and my card limit is $23k. I'll just wait it out and hope I can get my 20k points this month!

          • nightelves on 20/02/2023 - 15:35

            @wangasm: Not true. I was able to push 20k at a time and earned the 20k points. Have did this twice already,

            • CodeXD on 20/02/2023 - 15:39

              @nightelves: What is your credit limit? They are saying if you are on $20k credit limit, you cannot send $20k in 1 transaction with payall.

              • nightelves on 20/02/2023 - 15:52

                @CodeXD: Credit Limit is 20k and I have sent 20k across twice now. One in January and one in Feb. This is on the Citi Prestige card btw.

                • wangasm on 20/02/2023 - 19:22

                  @nightelves: Strange, I also have the Prestige and it didn't let me. Also didn't work for others

    • wqepoi on 19/02/2023 - 12:30
      -4

      you might get blacklisted for doing this - and unable to apply for CCs again

    • [Deactivated] on 21/02/2023 - 18:09

      https://www.australianfrequentflyer.com.au/community/threads…

      Any changes you make to PayAll setups, whether that be new ones or cancellations, take 24hrs/overnight to be reconciled back to the Citibank computers to take effect. It is not instantaneous like you imagine it to be given that it all takes place on a phone which is logged in to Citibank. The front end user experience is 21st Century, but the back end processing is from the Victorian era circa-1850's. When you cancel a payment, it is only cancelled in the 21st Century - which doesn't count. You have to wait for it to also be cancelled manually by a Victorian-era banker wearing a monacle, sitting at a desk with a green banker's lamp, updating the ledger with a fountain pen. This only happens in the dead of night.

  • n0mad on 17/02/2023 - 10:59

    out of curiosity has anyone been approved for this one yet? Applied for the previous deal on the 14th and uploaded payslips at the time. Still awaiting a response.

    • CodeXD on 17/02/2023 - 11:04

      I signed up on 8th, approved on 10th. Received my card on 16th.

    • n0mad on 18/02/2023 - 13:30

      thanks just as an information point, i called up yesterday and they said it was still pending. I asked if there was anything more required of me and they transferred me to the team looking after it. The guy had a look and said everything was in order and that i should hear back with in 24-48 hrs.

      I thought maybe it needed to be escalated so wasn't that confident but was approved this morning.

    • Jamesrulez1 on 21/02/2023 - 18:57

      Applied on 16th approved today on the 21st they didn't require anything else from me.

    • VQLD on 22/02/2023 - 12:56

      approved in 5min after submitting online application.
      Citi customer for around 10 years and NAB's more than that

  • Sneakz on 17/02/2023 - 14:17
    +2

    So I’ve mad contact with Citibank and they advised me there is not a 150k limit since NAB took over, however the website is still showing there is but if you apply over the phone you can bypass the 150k max limit

    • Sneakz on 17/02/2023 - 15:04
      +4

      I have been approved within 1 hour and I am on less than 150k by a fair chunk but above 100k salary..

    • shaun22 on 18/02/2023 - 08:00
      +3

      I spoke to Citi and they said they will fix the $150k income error on the online application by Monday. My application eventually got approved and i earn less than $150k

    • expatOz on 22/02/2023 - 17:33

      Looks like they've fixed it so the 150k limit no longer applies.

  • Noneed2know on 17/02/2023 - 15:49

    Anyone know how long it takes for the bonus points to appear after meeting the minimum spend?

    • Morningstar on 18/02/2023 - 12:10

      For me it appeared 2 days after my second statement. I spent $7.5k within 60 days.

      • CodeXD on 18/02/2023 - 12:15
        +1

        Everyone on ozb with this card should be at minimum setting up payall and maxing the $20k payall limit every month.

  • MrThing on 18/02/2023 - 09:17

    wow up from 7k to 10k.

  • bwill85 on 18/02/2023 - 15:22

    Anyone know if having premier card in last 12 months excludes you from going for this card (prestige)

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