• long running

Citi Prestige Credit Card: 250,000 Citi Rewards Points ($10,000 Spend in 90 Days), 6 Months 0% Interest BT, $700 Annual Fee

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Citi Prestige Credit Card: 250,000 Citi Rewards Points ($10,000 Spend in 90 Days), 6 Months 0% Interest BT, $700 Annual Fee
Go to Deal
Pgreenslade on 29/10/2024 - 18:42 www1.citibank.com.au (3013 clicks)

I was looking for this deal on ozbargain, saw it was marked as expired, but actually it's active again.

Copying from last deal: https://www.ozbargain.com.au/node/866040

Same points bonus 250,000.

Key Points:
$700 annual fee
250,000 Citi Rewards Points when you spend $10,000 on eligible purchases within 90 days from approval.
Points redeemable for $1,250 in FlyBuys Dollars, $550 profit after annual fee.
$20,000 minimum credit limit, $100,000 maximum - although I applied for the max limit possible and was approved for the minimum, exactly $20,000 limit and told I can't apply for higher until 6 months in. Unsure if this was normal practice with Citi or specifically with me.
6 months interest free on balance transfers made within the first three months from approval (up to 80% of credit limit) with no balance transfer fee.

The $10,000 minimum spend can be met via Citi PayAll to yourself (for 0.95% fee).

Even with the reduced bonus points and erosion of other benefits over time I think this is still one of the best cards on offer at the moment:

bonus points yield $1,250 in FlyBuys Dollars (I normally buy 4% off Coles gift cards with a rewards card - ~1% extra value - so I value at 0.95 x $1,250 = $1,187.50)

The balance transfer can go into a bank account or mortgage offset so one could do this on activation and then 85-90 days in to get another 6 months of interest free (as the interest free period counts from the date of transfer when this is done within the first 3 months). on a 20k limit, an initial balance transfer of 80% ($16,000) with minimum repayments of 2% (and then restarting 3 months in) yields an average balance of around $15,000 over the nine months. In a mortgage offset of 6% this will save 9/12 x 0.06 x 15,000 = $675 in interest. In a savings account at 5.5% interest this yields $618.75 (before tax).

Using the mortgage example, with an annual fee of $795 (including PayAll fee) and main benefits of $1,862.50 this nets out to $1,067.50 which I think is pretty great for just one card. Plus premium benefits like unlimited priority pass, $100 Uber credit etc.

Keeping in mind if you can get a hold of a higher credit limit this becomes far more lucrative.

Financial Credit Card MasterCard Reward Points

Related Stores

Citibank Australia
Citibank Australia

Comments

  • askbargain on 29/10/2024 - 18:48
    +1

    https://www.ozbargain.com.au/node/836040

    220k here

    • lazywombat on 30/10/2024 - 08:21
      -2

      This other deal expired on 31 Oct and only seems to offer 110K points

      • 6079 Smith on 30/10/2024 - 08:43

        That deal refers to 110k Velocity points which are converted 1:2 from Citi points, hence 220k Citi points (so yes, less good than this deal)

      • askbargain on 31/10/2024 - 19:33

        expired after your comment but well done

    • MadMaxBargainRoad on 30/10/2024 - 10:56

      This is indeed a better deal if it hasn't expired. 300 af vs 700 with just a tad bit less points

      • thriver on 30/10/2024 - 21:33

        There’s still one more day to 31Oct expiry

  • Homr on 29/10/2024 - 19:03
    +1

    is there a minimum income to join this card?

    • Hugh G Rection on 29/10/2024 - 19:13
      +21

      if you have to ask, it probably isn't a good idea to apply. lol.

    • nightelves on 29/10/2024 - 19:51

      Yeah 10 stacks of high society

    • knighty on 30/10/2024 - 16:39

      It's likely not as high as you think. The min $15k limit Westpac card is only $70k p.a.

  • kevst on 29/10/2024 - 19:17

    Weird,

    Citi is only doing credit products now.
    They closed all their retail products and sold them to NAB and now they are doing the credit products only.

    Maybe they run these products as part of the private banking and are trying to maximise income for these products by selling them retail as well.

    Huh.

    • ol mate on 31/10/2024 - 03:39

      Citi Australia’s consumer business in Australia is owned by NAB. NAB has transitioned all their products except cards to the nab brand now - I think it’s a bit harder for them to transition the card business because of the co-branding for other banks

  • tnarg on 29/10/2024 - 19:22
    +1

    Great explanation

  • DingoBilly on 29/10/2024 - 19:38
    +6

    I'm a regular credit card churner but this feels like the big leagues of credit cards. Massive limit, spend and annual fees. I'm sure it's worth to some but easier rewards to be had elsewhere.

    • gazer on 29/10/2024 - 19:41
      +3

      Me too and don’t reckon $550 a great ROI/effort. At least 850 return is where I think this league card has been previously

      • Broos on 29/10/2024 - 21:19
        +3

        Okay so what is the current superior alternative to this card, then?

    • dealstacker on 29/10/2024 - 20:42

      There is effectively zero spend required if you use the payall feature to pay yourself $10,000 for a $95 fee (also receive $50 in flybuys dollars from earning 10k points).

      • gazer on 29/10/2024 - 20:56

        Doesn’t change return of only ($550+50)- 95 = 505 though if you’re going to be spending the $10k anyway?

        • realaccount627465746 on 29/10/2024 - 22:15
          +2

          unlimited priority pass, visit every venue in the airport a few times lol

          • Davelovesdealz on 30/10/2024 - 10:24

            @realaccount627465746: does this still include restaurants?

            • VQLD on 05/11/2024 - 14:50

              @Davelovesdealz: yes if they accept Priority Pass. You can go to have some nice food in a restaurant and then go to a lounge

          • HiDave on 16/11/2024 - 12:24

            @realaccount627465746: Hi @realaccount627465746,

            I'm yet to use my new Priority Pass so a question, please:
            Can you sometimes return to the same venue on the same day?

            (I assume you leave some time in between for them to forget you/new staff)

            • hotdish on 17/11/2024 - 03:07

              @HiDave: The easiest way to do this would be if you're on a two sector trip (say, ADL-MEL-SYD). You would purchase from X cafe in MEL with the first flight (after landing). You could later then purchase again using the second (future) flight.

              I've never tried twice referencing the same flight but it does say unlimited lol.

        • dealstacker on 29/10/2024 - 22:50
          +1

          Plus over $500 in interest earned/saved from the balance transfer offer makes this card an elite churn. Add in mobile phone insurance, unlimited pp, $100 uber credit for even more value too.

          • Kibbelhs on 30/10/2024 - 09:30
            +3

            @dealstacker: Mobile insurance only for post-paid. Not compatible with many ozbs.

            • SithVicious on 31/10/2024 - 11:59

              @Kibbelhs: What does post-paid mobile insurance mean? Asking for a dumb friend.

              • Kibbelhs on 31/10/2024 - 13:43

                @SithVicious: I meant the mobile insurance is only available for postpaid plans.

    • ZuluOz on 29/10/2024 - 22:41

      What does churning do to your credit history in Aus?

      I see lots of Americans talking about it but not much on the impact to the way we do it.

  • auindie on 29/10/2024 - 19:45
    +2

    Has anyone been able to do a BT into a offset mortgage account recently as looking at other threads its only possible to do a BT inti a CC account
    . I got this card last September and looimv ti get 80% of my credit limit for next 6 months

    • a1234my on 29/10/2024 - 20:34

      Yes, call them and give them the Bsb + account number

    • dealstacker on 29/10/2024 - 20:44

      I have done this and it works. Call them.

    • ely on 30/10/2024 - 17:12

      I've done this in the past by BTing on to ANZ and Westpac cards, putting them into credit, and then transferring out without fees.

    • HiDave on 31/10/2024 - 22:10

      Oh wow, I thought I had to BT to another card (then move the positive balance to my offset).
      Amazing to hear some are just BTing to their BSB!
      Thanks guys.

  • mr_asstight on 29/10/2024 - 19:59

    I cancelled this card only 2 months ago can I sign up again?

    • czxbnb on 30/10/2024 - 00:09
      +5

      Cancelled in Jul 2023 due to mortgage application and applied again in Nov 2023, being approved within 24 hours and received the bonus point.

    • realaccount627465746 on 30/10/2024 - 07:30
      +4

      yeah citi don't have an exclusion period

  • HuntnBrew on 29/10/2024 - 20:09

    Nice thanks for the explanation.

    How do people find the priority pass?

    • nightelves on 29/10/2024 - 20:32
      +3

      I make good use of the food voucher.

      • fozzie on 29/10/2024 - 22:15

        Is that food voucher only at airports?

    • graceyym on 30/10/2024 - 10:38
      +1

      Was amazing while travelling - only a couple of very small airports didn't have a lounge or food pass, but travelled to Europe & used Priority Pass and got a friend in for free around 7-8 times. Ordereed plenty of cocktails & ate my money's worth in food while waiting for connecting flights. Very happy with it

  • xrailgun on 29/10/2024 - 20:12
    +4

    The balance transfer can go into a bank account or mortgage offset so one could do this on activation and then 85-90 days in to get another 6 months of interest free (as the interest free period counts from the date of transfer when this is done within the first 3 months). on a 20k limit, an initial balance transfer of 80% ($16,000) with minimum repayments of 2% (and then restarting 3 months in) yields an average balance of around $15,000 over the nine months. In a mortgage offset of 6% this will save 9/12 x 0.06 x 15,000 = $675 in interest. In a savings account at 5.5% interest this yields $618.75 (before tax).

    Can someone ELI5?? Read it 3 times and still have no idea.

    • thecloudking on 29/10/2024 - 20:44
      +1

      Take out 10k credit card. Transfer 8k into your offset.

      Leave it for 5 months 29 days. Transfer it back

      You pay 6 months less tax on mortgage thanks to the extra 8k : - )

      I could be dead ass wrong.

    • dealstacker on 29/10/2024 - 20:50
      +17
      1. Get the card
      2. Call and ask for a 'balance transfer', to a BSB and account number of your choosing
      3. Let the balance sit in a high interest savings or mortgage offset account to accrue or offset home loan interest
      4. pay the minimum repayments of 2% per month
      5. right before 3 months have elapsed, pay the balance back and then request another balance transfer to reset the 6 month 0% period (the promotion applies to balances transferred within the first three months from approval) to effectively get 9 months of interest free money
      6. pay the minimum repayments until the promo is over, at which point pay the balance back off and close the card before the next annual fee comes.

      Any questions?

      • wshinji on 29/10/2024 - 20:55
        +1

        Yes how do you combine this with the 10k spend as you can't have BT when you haven't completed the 10k spend. Only option is to use payall straight away?

      • b-t on 29/10/2024 - 21:37
        +22

        To maximise the returns, I believe you're missing the PayAll step.

        1. Get the card
        2. Perform PayAll of $10K to your own BSB and account number
        3. After receiving $10K in other bank, immediately repay the $10K
        4. Call and ask for a 'balance transfer', to a BSB and account number of your choosing
        5. Let the balance sit in a high interest savings or mortgage offset account to accrue or offset home loan interest
        6. Pay the minimum repayments of 2% per month
        7. Redeem the 250,000 Citi Rewards points however you deem valuable (ie. Velocity, Qantas, FlyBuys…)
        8. Right before 3 months (suggested 85-90 days) have elapsed, pay the balance back and then request another balance transfer to reset the 6 month 0% period (the promotion applies to balances transferred within the first three months from approval) to effectively get 9 months of interest free money
        9. Pay the minimum repayments until the promo is over, at which point pay the balance back off and close the card before the next annual fee comes

        Am I correct?

        • iwatchfatpplsleep on 30/10/2024 - 11:33
          +2

          Im gonna bookmark this amd come and complain to you later if it doesnt work. Thanks

        • greenslade on 31/10/2024 - 19:07

          thanks for the explanation.
          Just checking, does this still make sense if one doesn't have an offset account? no mortgage or offset, just high interest savings account.

          • b-t on 31/10/2024 - 20:09
            +1

            @greenslade: Yes, your returns will just be slightly less. Mortgage at 6% interest with a 100% offset would mean your gains is 6% p.a.

            With a HISA, your gains will be whatever your interest percentage is p.a., but then also you will need to pay tax on that as it’s considered “income”.

        • VQLD on 06/11/2024 - 10:21

          what's the point doing that if you can do normal PayAll transfer for 0.95%? instead of paying 2% for the "balance transfer" scheme

          • b-t on 06/11/2024 - 13:36
            +1

            @VQLD: PayAll interest free period is the same as a purchase interest free period (ie. up to 44 days [now]; FML does anyone else hate that most banks have lowered from 55 to 44 days?!)

            Balance transfer is free or 0% (if done within the first 90 days) and is interest free for 6 months.

            • VQLD on 07/11/2024 - 10:24

              @b-t: OK, I've just read T&C and looks like this can work for 6 months.
              Not sure what is the 2% repayments above if 6 months if free..

        • VQLD on 07/11/2024 - 10:18

          no HISA. Apparently, balance transfer is only to pay another debt using CC. Never used it…
          What account balances can be included in a balance transfer?
          Any account balances from other financial institutions/stores, such as:

          Visa and Mastercard (all banks)

          Flexible Personal Loan

          Lines of credit

          The balance must be in the name of the primary account holder.

        • bar6gain on 19/11/2024 - 17:50

          Sorry, I bit confused how would I

          Perform PayAll of $10K to your own BSB and account number

          PayAll seems to block me from making payments to my accounts or family accounts - does this need to be made to a person with different last name ?

          • CodeXD on 19/11/2024 - 19:53
            +1

            @bar6gain: Just don't put your own name in the recipient field. I use my initials CXD

        • cathalm8 on 26/11/2024 - 08:13

          How do you immediately repay the 10k? I won't get bpay details until first bill arrives? thanks

          • AyTrain on 28/11/2024 - 08:56

            @cathalm8: I called Citi to confirm the Bpay Biller Code, and the account number is the card number. I did a test transfer of $5 first to make sure it landed in the right account before paying back the full $10k

        • AyTrain on 28/11/2024 - 08:55
          +2

          Hey, I've recieved the card, processed the $10k payall, at step 4. (balance transfer) the agent advised me that I cannot chain balance transfers to extend the promotional period. The example he gave me was if I balance transfer today, then in 85 days pay it back & process a second balance transfer, the intrest free period would end at the same time as the first transfer, not reset.

          So I am unable to do 3 months + 6 months, it is only 6 months max.

          Hope this helps & please let me know if anyone has had success resetting the period

        • lyoo01 on 28/11/2024 - 11:03

          I just did 2 BT and the last rep that I talked to also told me all the balance transfers expire at the same time i.e. 6 months from my approval date. I found that incredibly confusing because I thought I could just do another one at the end of 3 months and get 9 months interest free. But I guess we were all wrong lol.

          • lyoo01 on 28/11/2024 - 11:16

            @lyoo01: On the topic of repayment of 2%. I am not sure about that either. They read out T&Cs and I didn't hear anything about that

        • b-t on 28/11/2024 - 11:46
          +4

          Just replying to everyone on my current progress and caveats:

          • I got approved and can log into the account, but on day zero (ie. card hasn't been received or activated yet), you cannot do a PayAll. You MUST receive the card first to be able to PayAll, and this, depending on the day you apply, could take a couple of days (factor in weekends when AusPost doesn't deliver).
          • Once you activate, you can PayAll. I, like a couple of you, had issues with PayAll because apparently you're meant to use it for goods/services, and not to yourself. I PayAll'd my wife's personal account (not my account) and put something obscure like "renovations". Surprisingly even "mortgage" doesn't work lol
          • I haven't received my bonus points yet though I also haven't received my first statement yet, so hopefully it comes in when my statement is generated.
          • Some people talk about the 2% repayment; I guess this is because they've never done a balance transfer before. Although the bank says "interest free", you still need to progressively pay down the balance transfer every statement. You cannot just pay zero, you have to pay 2% of the closing balance, and this is referred to the "minimum payment amount". The balance transfer itself is still technically "interest free" - you're just paying 2% of the principal which has no added interest until the interest free period ends.
          • Some people asked how to pay the card before the statement arrives, well you can either (most recommended way) to contact support and ask them to give you the payment details which is what I did; alternatively, if you trust me, you can BPAY biller code 49502 with the reference number of your full 16 digit card number and it SHOULD arrive in your account. I tested with $10, then the full amount; though be warned it also takes a day to process.
          • I haven't attempted this "pay back in 3 months and start a new BT yet". Seeing comments above, this seems no [longer?] possible so I might just skip this and go with 6 months before canning the card; still somewhat valuable but not great.

          Hope that helps out and sorry for the lack of replies - I didn't see reply notifications as all the BF deals are coming in lol

          • penguinswillrise on 04/12/2024 - 15:39

            @b-t: Thanks for this, with PayAll coming to and end I assume this can still work as long as I do the steps before it is officially sunset?

            • timhn on 12/12/2024 - 21:42
              +1

              @penguinswillrise: Email I got from Citibank:

              Last day to set up a new Citi PayAll payment (7 business days prior to due date 19 January 2025):

              9 January 2025

        • a1234my on 13/12/2024 - 10:31
          +1

          Been told the same thing no more 0% balance transfer after the first use as AyTrain
          Anyone have different out come when try to do the reset ?

      • xrailgun on 29/10/2024 - 22:01
        +2

        Thanks! So there's actually no interest charged, and the "minimum repayments of 2% per month" are effectively just principle as well? Truly no cost loan for ~9 months?!

        • dealstacker on 29/10/2024 - 22:35
          +1

          Yeah best to payall first (I was just explaining the BT component of the deal). There is no interest charged you are correct that the 2% is principle repayments. Other banks do have these types of offers for BTs but Citi’s advantage is they let you send the funds straight to your bank

          • ModBot on 30/10/2024 - 07:13
            +1

            @dealstacker: I thought they removed payall from these cards ? Is there a fee now?

            EDIT: just read OPs post, there is a fee. (0.95%)

            • fozzie on 06/11/2024 - 23:15

              @ModBot: Hi guys I have a question: if I just want to meet the normal $10k spent by using the card in a normal way and then do a balance transfer to my mortgage account how would that work for repayment? Is there an option to repay full balance for the part I spend and then pay 2% of the balance transfer money? Thanks

      • phun on 14/11/2024 - 09:08

        Are you allowed to use the card for regular spend during this time? Or will that screw with it

        • dealstacker on 15/11/2024 - 08:15
          +3

          Purchases have no interest free days while a balance transfer is active for citi cards

          • Mrgreenz on 19/12/2024 - 12:26

            @dealstacker: Damn this BT buisness gets confusing. My forst statement has just come in.

            So I applied for the card.

            Spent ~600 bucks

            Then BT into a bank account 10k

            Then spent as normal.

            Are all my purchases incuring intrest, or just the $600 below the BT value?

            • DJSmelly on 21/12/2024 - 18:41

              @Mrgreenz: From the T&C:

              Please note, you will be charged interest on retail purchases while you have a balance transfer.

      • fozzie on 30/01/2025 - 12:18

        Hi deal stacker I just called citi to do the balance transfer but they are asking for bpay biller code. Can you please tell me how do I get them to do it into my bank account? I just give bsb and account number without telling them it’s a normal bank account? Thanks

  • kehuehue on 29/10/2024 - 20:51
    +1

    Just closed my Citi Rewards Card as payall expired. How long do I need to wait before I can apply for this?

    • dealstacker on 29/10/2024 - 20:52

      Doesn't seem to be any disclosed exclusion period. Ask via chat or phone

  • maruko on 29/10/2024 - 21:11

    Can someone explain this bit in more detail. My brain hurts.

    ….so one could do this on activation and then 85-90 days in to get another 6 months of interest free (as the interest free period counts from the date of transfer when this is done within the first 3 months)…

    • nicolascage on 30/10/2024 - 08:14
      +1

      So I think you could do N transfers but you want to wait until the end of the 3 months, this is the period which offers the interest free promotion. The reason why you wait until the end is to maximise the interest free period which will get you 9 months, an extra 6 months. If you were to balance transfer only once, in the second month you’ll only get 8 months. That’s one month less of free cash in your mortgage or high interest savings account.

      Quote
      6 months interest free on balance transfers made within the first three months from approval (up to 80% of credit limit) with no balance transfer fee

  • abc on 29/10/2024 - 21:12

    Are existing Citi card holders eligible?

  • fozzie on 29/10/2024 - 21:25

    I think also the balance transfer works for Qantas as well. They are offering $1700 worth in points atm (150k plus 20.000 via activation for new credit card Qantas members)

    • dealstacker on 29/10/2024 - 22:42
      +2

      Beware the qantas version excludes payall transactions as part of the eligible spend. So you’d need to actually spend 7.5k in two months to get the bonus.

      • fozzie on 29/10/2024 - 22:43

        Great thanks for that! We already applied for that one. I’m assuming that we could still have do the rest pay all to our bank account to maximise the interest free? Thanks

        • dealstacker on 29/10/2024 - 22:45
          +1

          The interest free balance transfer is different to payall. It is a payment executed by Citi when you request over the phone or on application. Payall is simply treated as a purchase.

          • fozzie on 29/10/2024 - 22:50

            @dealstacker: Just editing. We will be able to spend $7500 over two months. I’ll then just request a balance transfer to my bank account. Could I ask for $12500 or is there a maximum amount? Thanks again

            • a1234my on 29/10/2024 - 23:08

              @fozzie: qantas version exclude spending on payall

              Eligible purchases exclude Citi PayAll payments, Cash Advances, Balance Transfers, Special Promotions, interest, fees, refunds and Chargebacks.

              • fozzie on 29/10/2024 - 23:16

                @a1234my: Yes, I understand but I wonder if I can do a balance transfer? I’ll get in touch once approved and ask.

                • a1234my on 29/10/2024 - 23:38

                  @fozzie: Yes same 6 months, mate with a qantas version. Call up did balance transfer 80% to bsb.

                  • fozzie on 29/10/2024 - 23:42

                    @a1234my: Thanks very much :)
                    Looks like if you can meet spend criteria and want Qantas points it’s a slightly better offer as you get $1500 in points plus free interest from balance transfer. -$750 fee.

  • coralda on 29/10/2024 - 22:26
    +6

    The Priority Pass offering is somewhat unique insomuch as you get to take a guest for free. Even purchasing direct from PP doesn’t offer that.

    • dealstacker on 29/10/2024 - 22:43
      +2

      And also you get to use the passes for restaurant vouchers which the Amex platinum excludes you from doing.

      • patinadiary on 31/10/2024 - 14:53

        can you please explain this in a little more detail?

        • dealstacker on 31/10/2024 - 15:05

          Priority pass visits can be used for lounges or a $36 dining credit at select restaurants at a given airport which can be better or worse than the lounges as quality varies. Better yet, these can be used at each different restaurant if there is more than one. In my case me and my partner have this card yet there are five of us travelling at the end of the year. We can use the four total visits (cardholder plus one guest for each card) to have a total of 4 x $36 = $144 in dining credit at each restaurant rather than having only four of the five of us able to access the lounges. More options never hurts and this I believe is the only card which has unlimited visits which include the dining credit (AMEX has unlimited visits but excludes the credit)

          • CodeXD on 31/10/2024 - 15:21
            +2

            @dealstacker:

            Priority pass visits can be used for lounges and a $36 dining credit at select restaurants

            Fixed it for you

    • huuuuugo on 30/10/2024 - 14:53
      +1

      Can confirm that the Priority Pass thing is amazing. Used it on multiple occasions in multiple countries over the last 2-3 years. Only worth $700 p.a. if you are flying a lot or gaining lots of money back from spending on this (which is an unhealthy way of thinking TBH)

  • retnup on 29/10/2024 - 23:04
    +1

    PayAll or Sniip for rent/mortgage? I can't decide

    • mouski on 30/10/2024 - 07:51

      Sniip has higher fee 1.5% for visa/mc

  • AdModnar on 29/10/2024 - 23:38

    is it possible to do another balance transfer (of the 2% minimum payment amount you've just made) after each of the first two months?
    that maximises the amount of "free" interest paying or balance in mortgage offset account.
    Not big effect overall but I wonder….

  • hotdish on 30/10/2024 - 04:42
    +24

    For anyone on the fence with this, I've had it for 2 years since the days of the half price annual fee and 0% payall.

    What most people overlook is the value of priority pass.

    If you fly regularly, the $36 credit per sector for several stores is great and as it is the platinum priority pass you get to have a "guest" for an additional $36, totalling $72. Funny how my guest "wife" is never actually in line though and the stores don't care.

    So arrive at an Australian airport, use a $72 credit for store 1, then go to store 2 5 minutes later and rinse repeat for another $72 credit.

    When I travel through Melbourne I stop by the brewery (Virgin terminal) and use my $76 on t shirts and hoodies lol. I have about 15 shirts at home and give them away to friends and family.

    To be clear, it is not $36/$72 per sector. If you are doing a one way flight, and there are 5 eligible stores to use priority pass, you can spend $72 at all 5 and also have another crack once you land. This is well documented and discussed in ozbargain forums, whirlpool and expired Citibank posts for this product.

    When I arrive home, I also stop by the sushi store at Canberra and bring $72 of sushi home takeaway. Also nothing stopping you from buying $72 of takeaway coke/energy drink cans. If any store asks you where your guest is just get the person in line behind you to be your first and shout them a drink.

    I'm easily spending $800 annually on priority pass annually for a cost of $0.

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