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Citi Prestige Credit Card: 275,000 Citi Rewards Points ($10,000 Spend in 90 Days), $700 Per Annum Fee

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Citi Prestige Credit Card: 275,000 Citi Rewards Points ($10,000 Spend in 90 Days), $700 Per Annum Fee
Go to Deal
baka1 on 17/07/2023 - 21:12 www1.citibank.com.au (2831 clicks)
Last edited 13/02/2024 - 09:12 by 1 other user

Copying from previous deal: https://www.ozbargain.com.au/node/757191

50% discount on first year annual fee removed.

Key Points:
$700 annual fee
275,000 Citi Rewards Points when you spend $10,000 on eligible purchases within 90 days from approval.
Points redeemable for $1,500 in gift cards, $800 profit after annual fee.
$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.

Financial Credit Card MasterCard Membership Reward Points

Related Stores

Citibank Australia
Citibank Australia
MasterCard AU
MasterCard AU
Marketplace

closed Comments

  • AG_ACT on 10/08/2023 - 09:06

    Just got this card… just being lazy, and hoping people can answer these qs for me instead of me having to trawl through T&Cs

    1) can you set up an automatic payment so it sweeps your account at another financial organisation for the full closing balance on the card
    2) do you earn points on all other transactions (e.g. council rates, water bill etc that some cards don't pay points on? ) (not PayAll)
    3) When setting up Payall transactions, how do you transfer funds back to the card…. I can't really seem to find the details for how I need to pay back the card.
    4) Do they eventually send you physical plastic for the Priority Pass, or is it just the app

    • CodeXD on 10/08/2023 - 09:09
      +4
      1. No
      2. No. Use another app like zip pay
      3. Bpay back to the card - Biller Code 49502 Ref <card number>
      4. No, only app
      • blackwood on 15/08/2023 - 23:24
        +1

        @CodeXD - for #2, do you mean one can pay council rates, water bills, etc. using zip pay/after pay then pay these apps from credit card which will then earn points/ count towards min spend?

        • CodeXD on 15/08/2023 - 23:25
          +2

          Yes. That is exactly what i do.

  • Trendyoz on 16/08/2023 - 19:26

    Good Evening all. Noob here…can someone explain how the Citi reward points work for business booking? I have about 540K Citi points- so how do i book flights/business?

    • Zacsik on 16/08/2023 - 22:48

      You will need to convert them to airline points first.

      • Trendyoz on 22/08/2023 - 19:03

        Thanks mate. I assume and then i purchase award flights via that particular airline? What is the best airline to book these flights with any idea? Are they available to book straightaway?

  • Nat000 on 17/08/2023 - 10:01

    Can someone please advise how the bank handles the request for credit limit when applying for a credit card. In my case I'm looking at getting the citi premier card which has a minimum credit limit of $10k. I would like to get the card with a limit of $20k (to make the most of payall). If I ask for $20k and they think that is too much for me, will they choose the appropriate limit to suit my conditions, or will they decline the application ?
    Or am I safer to ask them to assign the limit ?

    • timhn on 18/08/2023 - 08:03

      They will calculate your ability to repay with X amount when you apply. Regardless X is the minimum or whatever you requested.

      Some banks, i think i saw at CommBank, can tell what the max amount i can get based what i put in the application. But that just the computerised estimation and will be decided by the approval team later.

  • Nat000 on 18/08/2023 - 08:52

    Thank you

  • relicsinner on 18/08/2023 - 11:01
    +1

    Has anyone manage to get the bonus from both the Prestige and Premier cards?

  • simon 84 on 18/08/2023 - 11:44

    waiting for Nov to see if 2% charge for existing recurring PayAll, which was setup in early this year.

    • johnmelb on 18/08/2023 - 13:47
      +1

      Any recurring Citi PayAll payments set up between April 2021 and October 2023 will not incur the Citi PayAll fee for the duration in which those payments are scheduled to occur.

      Terms are clear to me, I took screenshot of this https://www1.citibank.com.au/credit-cards/fees-and-charges.

      • simon 84 on 18/08/2023 - 16:12

        I hope so.

        "for the duration in which those payments are scheduled to occur."

        For example, I setup in March 2023.
        The duration is for scheduled to occur from Mar 2023 to Feb 2025.

        Is it back to English lesson?

  • digitalane on 18/08/2023 - 15:34

    Smart - i’ve saved a time stamped pdf of this page too to use in the likely fight when they try and reneg!

    • Koipanda on 22/08/2023 - 16:44

      How do you save a time stamped version?

      • digitalane on 23/08/2023 - 08:19

        Save as PDF (on Mac at least) shows date and time at bottom of each page

  • puffinfresh on 20/08/2023 - 12:05

    Do they have a website to book the hotel offer on, or is it only via phone?

  • Koipanda on 22/08/2023 - 16:32

    Surprisingly, I was approved with an income well under $150,000…

    Also previously held NAB and Kogan CC this year. Currently holding CBA and AMEX CC.

    • timhn on 22/08/2023 - 17:09

      I believe they have removed the $150K min income since previous deal

    • ozmaxz on 28/08/2023 - 03:27

      Do you have mortgage? Can I know what's the total cc card limit you have before applying? I would like to know whether should I close some of my cc card before applying.

  • Twenty2four4 on 23/08/2023 - 11:15

    Just signed up for this card and read PayAll doesn't count for minimum spend?

    Can anyone confirm if this is true? If so I'm going to have a fun time hitting $10k in 3 months…

    • Koipanda on 23/08/2023 - 13:29

      Where did you read this?

      • Twenty2four4 on 23/08/2023 - 13:36

        Page 2 of this thread, supposedly two people spoke to reps who said this.

        • CodeXD on 23/08/2023 - 13:39
          +1

          There is a discrepancy between what actually happens vs what the reps have been saying for a while regarding this issue.

          I signed up in Feb and have been able to use Payall to meet my minimum spend.

          • Twenty2four4 on 23/08/2023 - 13:41

            @CodeXD: Thanks @CodeXD - good to know. Hope so otherwise I have some big purchases to make over the next few months lol

  • ScrubCorps on 28/08/2023 - 00:01

    Received the 275k points with payall transaction.

    • jvalkyrie on 29/08/2023 - 19:48

      How long did it take to recieve the points?

      • Zacsik on 29/08/2023 - 20:34

        Like 2 or 3 days after the first statement.

      • ScrubCorps on 30/08/2023 - 22:26

        Same like Zacsik said.

  • PeppaCat on 02/09/2023 - 00:07
    +1

    Anyone tried to schedule the payall for next a few years?

    the latest start date I can choose is 10 Dec 2023

    • johnmelb on 02/09/2023 - 17:50

      Other people including myself saw this and commented here
      I luckily scheduled it in time.

  • charliechao on 04/09/2023 - 17:41

    is it worth it to get this card now? I am with amex explorer but thinking of canceling the Amex one and change to this.

    • runamuck on 04/09/2023 - 18:27
      -4

      Is it worth it? Let me work it
      I put my thang down, flip it and reverse it
      Ti esrever dna ti pilf nwod gnaht ym tup i
      Ti esrever dna ti pilf nwod gnaht ym tup i

    • MrGarciaA on 06/09/2023 - 09:11
      +2

      It really is dependant on you and your needs tbh. I too had the Amex Explorer but found the acceptance rate of Amex + annoying conditions to utilise the annual travel credit to be too much hassle. Citi Prestige does still arguably get its annual fee value via its perks which atm is primarily the unlimited Priority Pass access for primary cardholder and 1 guest which is at least USD $469 (AUD $735). I say at least because the USD $469 subscription only provides unlimited PP access for the subscriber and you must still pay USD $35 per guest entry, so the Citibank Prestige PP is already better value than that. Coupled with other perks like 4th free night in a hotel (roughly around AUD $100-300 depending on your hotel) and the complimentary chauffer trip per year (up to AUD $100) plus fre travel insurance, the perks do add up, however whether you utilise all these perks to maximise their value is really up to you.

      There is a way currently with Citi Payall to maximise the points you can earn which from memory nets you more than the annual fee in terms of total $ value of the points you can earn so at least for now, I'd definitely say it's still worth it.

  • MrGarciaA on 06/09/2023 - 09:12

    Can anyone confirm whether paying for bills like strata via DEFT earns Citi bank points?

  • Hunter14 on 08/09/2023 - 17:46

    How did you calculate $1,500 in gift cards? A $500 Coles/Amazon/Apple is 104,200 points.
    So that would be about $1,320 with 275,000 points?

    • puffinfresh on 08/09/2023 - 21:53

      It's a 1-1 transfer to Flybuys. 275000 points, plus the 10000 from meeting the minimum spend is $1425 Flybuys dollars.

      Still not quite $1500, but I'm guessing some branded cards are discounted in the Citi rewards store?

      • Hunter14 on 11/09/2023 - 12:13

        Ah okay. I didn't know about Flybuys. Cheers

        • puffinfresh on 11/09/2023 - 12:50

          The description was copied from the previous deal when it was 300000 points. That's why it's off.

      • gungirlyuna on 16/10/2023 - 20:11

        How doyou opt for flybuy points

  • puffinfresh on 15/09/2023 - 08:29

    I just got my first statement, and the 275000 bonus points haven't arrived yet. I've spent slightly under $10k, but have done almost $30k payall. The statement shows 6400 base points and 33500 bonus points, which has me worried that only $6.4k of spend has gone toward the $10k requirement.

    The missing $3k of spend seems to be shire rates, which I guessed wouldn't count, and car insurance which I thought would have counted.

    But from the seperation of base and bonus points, perhaps payall doesn't count to minimum spend anymore?

    For those that had it count, are the points listed separately and did you get the 275000 points in the first statement?

    Edit: looks like the bonus points may arrive in the next couple of days
    https://www.ozbargain.com.au/comment/13700300/redir

    • runamuck on 15/09/2023 - 11:46

      Almost 30k in payall? Thought there is only 20k limit.

      • puffinfresh on 15/09/2023 - 14:31

        The limit is per calendar month.

    • timhn on 15/09/2023 - 13:10

      Yes, check in your app few days the after statement date

      • puffinfresh on 15/09/2023 - 19:08

        Yep, they've arrived :)

  • hermm on 26/09/2023 - 14:38
    +1

    Is there any gross income criteria on applying for the card currently and if there is any differences between applying online and applying with calling?

    I have had some bad experience with Citi got rejected later I applied for Westpac black altitude but got approved ; (

  • everydayimbargaining on 29/09/2023 - 00:31

    Posted this in the forum but thought I would do it here since it's more targeted

    I've been quoted an amount outside of what's in the terms and conditions since they have to upgrade the car.

    When I asked them about this, they've said the terms and conditions haven't been updated to reflect it. The thing is the terms and conditions were recently updated and new rates were meant to be from 1 June. They also sent through Hughes website to show that only the upgrade will fit 4 people despite the citibank terms and conditions.

    What should I do? Legally shouldn't the terms and conditions be honoured?

    'Please note for the Luxury Transfer Service, the
    kilometre rates have been updated and are effective 1 June – 31 December 2023. This means any luxury
    transfers from 1 June 2023 will be subject to the new rates as outlined below.'

  • gungirlyuna on 16/10/2023 - 20:08

    Just got it time to see if it works

  • arcticmonkey on 22/03/2024 - 22:30
    -1

    Can anyone confirm if PayAll counts towards the minimum spend?

    • nomekop on 15/07/2024 - 22:18

      It does indeed

  • Kritik on 24/05/2024 - 12:58

    Hey All, I had this card approximately 9 months ago and looking to apply again when its been a total of 1 year.

    Do you know if you are eligible for the points again if it has been 1 year?

    Thank you!

    • nightelves on 13/08/2024 - 13:22

      There's no exclusion period from reading the T&Cs

  • evgpek on 26/06/2024 - 00:53

    Does anyone know when the second year needs to be cancelled to avoid 700$ fee?

  • seanmilt on 03/07/2024 - 08:39

    Given their isn’t a waiting period for reapply/qualifying for bonus points, is there anyone who is just cycling between Citi’s bonus points cards, coping the payall transaction fee to meet min spend and repeat? I imagine Citi would stop approving me at some point, just interested in what others are doing. Thanks

    • Craze on 15/07/2024 - 21:38

      Wasn't aware there isn't a waiting period to reapply and be eligible for bonus points!

  • poiterbad on 15/07/2024 - 21:41

    I believe the fourth night free on this card is now only luxury escapes, where as it used to be hotels.com

    If that really matters to you…

  • mrshorty on 15/07/2024 - 21:45

    damn why didnt i get into payall earlier

  • Drakesy on 15/07/2024 - 21:49

    (profanity) these are getting bad

  • ScrubCorps on 15/07/2024 - 21:53

    Has anyone been able to get annual fee waived or reduced for 2nd year?

    • nightelves on 15/07/2024 - 21:57

      Yes I'm paying $175 for my second year annual fee. So not complaining.

      • UnnecessarySpendings on 15/07/2024 - 22:10

        How did you get your annual fee varied? I’ve had the card for two years and I’m considering cancelling it given that payall is no longer available. But if I can get the fee waived I’ll definitely keep it.

        • nightelves on 15/07/2024 - 22:34

          Got an email saying I’ll get my fees waived, then called up again to get it waived 😆

          • Craze on 16/07/2024 - 20:39

            @nightelves: Wow are you a heavy user? First I heard of Citi voluntarily offering to reduce fees via e-mail, and you've got it down from $700 to $175!

    • JR63 on 15/07/2024 - 22:08
      +1

      I got it reduced to $350 from $700. Was pretty easy, just called up and asked.

      With PayAll, this card has being paying great dividends.

      • KH234 on 16/07/2024 - 20:36

        For new card or second year ?

        • JR63 on 16/07/2024 - 21:03
          +1

          Second year.

      • ScrubCorps on 19/07/2024 - 15:54

        Wow, I called up and asked and was denied. Something about no promotions available on my card.

        • JR63 on 20/07/2024 - 11:37

          I got rejected the first time, so I called up again and got someone else who was able to put it through.

          • ScrubCorps on 23/07/2024 - 21:11

            @JR63: May I ask what you said to receive it? I've called up again but was told no promotions available on my account. I've got payall setup so I think it's worth keeping for a couple of years just any reduced annual fee would be even better.

      • JohnHowardsEyebrows on 20/07/2024 - 14:48

        Ongoing $350?

    • beesider on 15/07/2024 - 22:10
      +1

      Got 50% off on one card, got declined on another

  • Skramit on 15/07/2024 - 22:07

    I’ll have to pass on this one with only a $100k maximum limit.

    • ltwo on 15/07/2024 - 23:11

      Why do billionaires need credit cards?

  • mrfuku on 15/07/2024 - 22:14
    +1

    Priority pass is nice, but without payall it isn't a great one to keep past the initial points.

    Have close to 700k points, will be cancelling mine next year.

  • Exorcist on 15/07/2024 - 22:24

    Why is it that god damn difficult to find the point conversion rate

  • whatyouwant on 15/07/2024 - 23:33

    You guys opened my eyes to payall. Am I a year too late to set up payall given the 0.95% fee now? Is it still worth it?

    • JR63 on 16/07/2024 - 10:25
      +1

      Probably not worth it anymore. Was only worth it when it was free.

      • whatyouwant on 16/07/2024 - 10:34

        yeah for people meeting the 10k spend, you guys are paying $95 fee?

    • evgpek on 23/07/2024 - 21:26

      You pay $0.02 for a virgin point now using current pay all rate

  • chacha on 17/07/2024 - 10:29

    I had this card for last 8 months with Citi Rewards Points. Pre-planned it as had 2 international trips and 2 interstate trips for the 12 months with family of 4! Absolutely loving it. Converted Citi rewards points to abt $1300 flybuy credits. Lounge access can be used for restaurant credit ($36 per person * 2 for the +1 guest) That is good enough to feed 2 adults, 2 boys 9 and 4. (Adelaide - Pantry, Precinct, Coopers, Sydney - Bistro 2020, Fat Yak, Melbourne - Sol, and many more) infact you can use the credit upon arrival as well :) Used lounge access in Singapore, Hong Kong air ports. Need to do the research and found i only need to pay for 9yo. Just doing the numbers and it seems worth and planning to continue the 2nd year. Yet to explore 4th night option. Keen to hear anyone's experience on this (especially traveling with 2 kids) Forums suggesting Mrs can use it with out the primary card holder. Yet to test it.

    • ltwo on 17/07/2024 - 13:03

      Don't the restaurants ask for a boarding pass when using the Priority Pass credit? Do you just flash the boarding pass for the flight you just disembarked from?

      And what do you mean Mrs can use it without the primary cardholder? Is this the for the 4th night hotel?

      • chacha on 17/07/2024 - 16:16

        Yes need the boarding pass. You can use the boarding pass with PP at selected restaurants as per PP App on departure and arrival at your destinations.
        Forums suggest very rarely the restaurants check your name (on PP) match with boarding pass. Therefore I am yet to test if wife can use my PP with her boarding pass?
        4th night free is separate, I am yet to explore this. but keen to hear personal experience about this.

        • ltwo on 17/07/2024 - 16:39

          I've used 4th night free (on the old concierge system, yet to try through Luxury Escapes so can't speak for that yet). Prices were slightly higher than what I could find online myself. However, when you do the numbers you still end up slightly ahead.

          e.g.
          Find your own deal: $100/night x 4 = $400
          Concierge with 4th night free: $125/night x 4 - $125 = $375

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