Best Mobile Phone Contract to Qualify for Complimentary Credit Card Insurance

notauser on 13/06/2024 - 08:21
Last edited 13/06/2024 - 12:02 by 1 other user

Hi everyone

Just reading the terms and conditions of the Citi Premier complimentary Mobile phone insurance and it says phone must be on a contract on the website (specifically: not prepaid).

"Monthly Mobile Plan means an Eligible Mobile
Telephone subscription where the Eligible Cardholder
enters into a contract with a mobile provider for a
mobile telephone and SIM or SIM only plan with a
monthly automatic billing arrangement."

https://www.cdn.citibank.com/v1/augcb/cbol/files/documents/2…

I'm currently prepaid and used to churning a bit, but the free insurance is very tempting

Does anyone have personal experience if postpaid services like Belong would qualify?

Any recommendations on cheap low GB plans (<5gb)?

Aiming to spend under $20 per month, or it's not really worth the hassle

Thanks

Update: Moose mobile has postpaid and $10/month for 7 months (Optus network)

Mobile Credit Card Insurance Mobile Phone SIM Only Mobile Plan

Comments

  • sumyungguy on 13/06/2024 - 09:26
    +1

    Amex allows outright handset purchase but data has to be post-paid. Excess 10% of the repair cost. A low-cost plan on a second sim it may be cheaper than Applecare+

  • tonester on 13/06/2024 - 10:12
    +1

    Monthly Mobile Plan means an Eligible Mobile Telephone subscription where the Eligible Cardholder enters into a contract with a mobile provider for a mobile telephone and SIM or SIM only plan with a monthly automatic billing arrangement.

    i’m with Citi and Belong - such postpaid should be fine where contracts are monthly

    • notauser on 13/06/2024 - 11:54

      Thanks that was how I read it. I was hoping someone had personal experience

  • 87percent on 13/06/2024 - 10:24
    +1

    Don’t think you should switch to a postpaid plan just to get free insurance

  • SimAus007 on 13/06/2024 - 11:23

    Postpaid means you'll be paying more either way, is that really worthwhile?

    • notauser on 13/06/2024 - 11:53

      That's what I wanted to figure out.

      I bought a pixel 8 pro for about $900

      Historically i have broken a phone every 24 months approx

      I currently pay about $15 per month. Circles life have a $20/month plan. If I were to pay an extra $5 x 24 months = $120 extra cost for insurance over two years

      The only postpaid I know of are Belong and Circles. There might be others that are cheaper

      • tonester on 13/06/2024 - 12:17
        +1

        alternate between Belong and Felix every 3mths for average cost $16/mth?

      • SimAus007 on 13/06/2024 - 12:19

        Perhaps do the 25GB PM plan on Moose Mobile for the first 7 months and then switch to the 15GB PM plan for $19.80, if that's enough data?

  • scanuck on 18/06/2024 - 12:00

    You can claim a standalone phone purchase if you have a postpaid plan?

    I’m also investigating (Citi Prestige)

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