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Nothing but problems with customer service. They sometimes misinterpret what is said and don't fully understand the problem and it only takes some serious explanation to work it out. I only use this acct for fuel now so it is always under a $1000.... Full review
Nothing but problems with customer service. They sometimes misinterpret what is said and don't fully understand the problem and it only takes some serious explanation to work it out. I only use this acct for fuel now so it is always under a $1000. When I wanted to take the limit down from $10000 to $1000 they wouldn't at first. They are awful.
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YesThey are the best for service and if you are travelling overseas they are the only one to be with. SIMPLY THE BEST and as they say BETTER THAN ALL THE REST. Full review
They are the best for service and if you are travelling overseas they are the only one to be with. SIMPLY THE BEST and as they say BETTER THAN ALL THE REST.
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YesWe have had a credit card with Citbank for a lot of years. It has been very useful for giving us a high credit balance and good reward points. They have been excellent at advising us when our cards were compromised and issuing new ones quickly. ... Full review
We have had a credit card with Citbank for a lot of years. It has been very useful for giving us a high credit balance and good reward points. They have been excellent at advising us when our cards were compromised and issuing new ones quickly. The cons for this card is the interest rate. If I needed a credit card and knew that I was not able to pay off the balance, I would not choose this one. Overall, a good card if you can pay it off every month.
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YesCitibank's rewards programme is probably the best available. Combined with the fact I have a fee-free account for life I'm laughing! Full review
Citibank's rewards programme is probably the best available. Combined with the fact I have a fee-free account for life I'm laughing!
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YesAlways responsive to any query or problem. Makes world travel easy. Citibank Visa Card is as essential to my financial life as mortgage and investments. Full review
Always responsive to any query or problem. Makes world travel easy. Citibank Visa Card is as essential to my financial life as mortgage and investments.
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YesCitibanks Credit Card gives me everything i need. Easy to use online banking, I was able to set up automatic payments and link to my other citibank accounts to auto pay the credit card bill each month. Citibank also ring on occasions to confir... Full review
Citibanks Credit Card gives me everything i need. Easy to use online banking, I was able to set up automatic payments and link to my other citibank accounts to auto pay the credit card bill each month. Citibank also ring on occasions to confirm purchases were made by me which is very reassuring given the amount of credit card fraud these days. I haven't found anything about the Citibank credit card that I don't like.
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YesThe bank offers great rewards and discounts to attract new customers, yet they neglect their existing customers, seemingly not concerned whether they keep them or not! Not very smart, is it? Full review
The bank offers great rewards and discounts to attract new customers, yet they neglect their existing customers, seemingly not concerned whether they keep them or not! Not very smart, is it?
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YesGreat rewards program. You pick your own reward. No need to be a frequent flyer. Customer focused rewards program. Full review
Great rewards program. You pick your own reward. No need to be a frequent flyer. Customer focused rewards program.
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YesThe 0% balance transfer is excellent marketing to get new customers but the fact that the customer service is very low does not help one be satisfied with the overall service Full review
The 0% balance transfer is excellent marketing to get new customers but the fact that the customer service is very low does not help one be satisfied with the overall service
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YesCitibank are not that great, they offer great balance transfer rates etc. But the service via their overseas call centre is awful, treated like a number and not a person. I don't feel confident they will ever deliver on the promise after a number ... Full review
Citibank are not that great, they offer great balance transfer rates etc. But the service via their overseas call centre is awful, treated like a number and not a person. I don't feel confident they will ever deliver on the promise after a number of issues. I will be closing my Citi account once the balance transfer rate runs out regardless of whether I have paid off the balance.
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YesThe interest rate are competitive but not the best. I do appreciate the amount of security it requires to log on to the webbanker. However, I do find it confusing at times once I am logged onto the website. Overall, a good reliable and trustwor... Full review
The interest rate are competitive but not the best. I do appreciate the amount of security it requires to log on to the webbanker. However, I do find it confusing at times once I am logged onto the website. Overall, a good reliable and trustworthy product - if only they made the webbanker more friendly and offered rewards!
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YesEven though you get .5% credit purchasing anywhere they take back the .5% for insurance. What sort of deal is that ? And even worse, you have a limit on claiming the .5% Full review
Even though you get .5% credit purchasing anywhere they take back the .5% for insurance. What sort of deal is that ? And even worse, you have a limit on claiming the .5%
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YesTwice in the last few years the bank has cancelled my credit card because they believed the card had been compromised. While it is good that the bank is aware of possible/probable risk, I wish there was some other way of overcoming the problem, i... Full review
Twice in the last few years the bank has cancelled my credit card because they believed the card had been compromised. While it is good that the bank is aware of possible/probable risk, I wish there was some other way of overcoming the problem, instead of cancelling the card. I have twelve direct debits that are paid from my credit card and they all need to be notified, by me, whenever I get a new card number and/or a new PIN, and this can take anything up to a whole day to finalise - which is incredibly annoying and time consuming. Worse, the last time they cancelled my card (in the last few weeks) they didn't even contact me to query the payment that they thought weas suspicious but which was one I had made and which was NOT a problem in any way - and I was left at the supermarket with a trolley full of goods and a credit card that wouldn't work, and I didn't know why at the time. If the bank decides to cancel the card I believe it should be their responsibility to notify the direct debits and, more importantly, they should at least check with the card holder before they do anything.
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YesThey offer you the card and tell you you get rewards after you accumulate a certain amount of points, and generally the product you get for free has in fact cost you more than if you buy direct from the shop. Also they cancelled all my points beca... Full review
They offer you the card and tell you you get rewards after you accumulate a certain amount of points, and generally the product you get for free has in fact cost you more than if you buy direct from the shop. Also they cancelled all my points because I didn't use them in two years. They want you to buy everything on credit to achieve the points you need to buy something.
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YesCitibank credit card is the best. The rewards program alone is fantastic and we take full advantage of it every year to redeem our points for gift cards to pay for christmas. They also were very quick to respond to a incident we had with identity ... Full review
Citibank credit card is the best. The rewards program alone is fantastic and we take full advantage of it every year to redeem our points for gift cards to pay for christmas. They also were very quick to respond to a incident we had with identity theft and resolved it super quickly and efficiently.
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YesYou don't seem to be able to talk to someone who can actually authorise or help you when you need it. The people who ring you are not able to speak english to the level where you can understand them. The people who ring you cannot help you - th... Full review
You don't seem to be able to talk to someone who can actually authorise or help you when you need it. The people who ring you are not able to speak english to the level where you can understand them. The people who ring you cannot help you - they read from a script and cannot vary from it.
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YesTheir interest rates are ridiculously high; they attract people with the low/zero interest for an introductory period but then slug you. In addition, whilst their customer service people are really nice, I made more than 12 requests to have one p... Full review
Their interest rates are ridiculously high; they attract people with the low/zero interest for an introductory period but then slug you. In addition, whilst their customer service people are really nice, I made more than 12 requests to have one phone number removed from my account. Despite being assure on every occasion that it would be, it never was. I figure if they can't manage the small stuff, why would I trust them with anything else?
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YesCiti Business Gold Credit Card is fantastic. All the features you expect from a plat Card (insurance, personal assistance etc) 1.25 points per $ spent and you can still transfer over to Qantas FF. Of course you get a free bottle of wine when ... Full review
Citi Business Gold Credit Card is fantastic. All the features you expect from a plat Card (insurance, personal assistance etc) 1.25 points per $ spent and you can still transfer over to Qantas FF. Of course you get a free bottle of wine when you go out for dinner also.
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YesThis card is linked into emirates airlines skyward FF program and g=has enabled us to go business class to europe for the last 4 years, the rules are not forever being changed and you know exactly where you stand and the 1.5 points for every dolla... Full review
This card is linked into emirates airlines skyward FF program and g=has enabled us to go business class to europe for the last 4 years, the rules are not forever being changed and you know exactly where you stand and the 1.5 points for every dollar spent helps achieve our travel plans quickly. Overall best card we have ever had
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YesI have recently undergone some extreme financial hardship which was only compounded by Citibank. I would not recommend them to my worst enemy and will actively recommend against them if I have the opportunity as there are much better options out ... Full review
I have recently undergone some extreme financial hardship which was only compounded by Citibank. I would not recommend them to my worst enemy and will actively recommend against them if I have the opportunity as there are much better options out there.
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YesIf i had realised when i first signed up for this product that Citibank have little interest in having a retail presence in Australia and hence poor service, i would never have gone with an American entity. Full review
If i had realised when i first signed up for this product that Citibank have little interest in having a retail presence in Australia and hence poor service, i would never have gone with an American entity.
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YesI loved this product because i had a credit card with another company and by transferring my balance over to a citibank card i was able to minimize my interest on balance transfers which saved me over $1000 Full review
I loved this product because i had a credit card with another company and by transferring my balance over to a citibank card i was able to minimize my interest on balance transfers which saved me over $1000
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YesI received my Citibank Platinum replacement card by express mail. I called Citibank to activate it. I then proceeded to cut up my old card. I then discovered that I had cut up the new card instead. Instantly I called back Citibank and explained wh... Full review
I received my Citibank Platinum replacement card by express mail. I called Citibank to activate it. I then proceeded to cut up my old card. I then discovered that I had cut up the new card instead. Instantly I called back Citibank and explained what I had done by mistake. No problem with getting a new replacement again by express mail, without charge. To top it all, I have been receiving a loyalty discount for my main and supplementary cards for a few years already. Great bonus incentive for 17 years loyalty. Great service from a great bank.
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YesThe intrest rates are really high, their customer service is appalling and they treat you like a number not a real person. If you are one day late with a payment they are on the phone harassing you. Full review
The intrest rates are really high, their customer service is appalling and they treat you like a number not a real person. If you are one day late with a payment they are on the phone harassing you.
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YesThe ads on tv with the pretty guys selling the products are deceiving. True, you get the initial low, low rate BUT then come the nasty surprises: high high interest rate, nasty letters, nastier phone calls when you don't pay on time. FINALLY, when... Full review
The ads on tv with the pretty guys selling the products are deceiving. True, you get the initial low, low rate BUT then come the nasty surprises: high high interest rate, nasty letters, nastier phone calls when you don't pay on time. FINALLY, when you ditch them, it takes about 10 attempts to ensure that your account is actually closed and that you are no longer being charged interest on your $0 balance.
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YesThe Citibank BP MasterCard offers cash back on all purchases, except those made at competing service stations, which is fair enough. The cash back offered at BP service stations is 5% of all purchases, including fuel which, with the current pr... Full review
The Citibank BP MasterCard offers cash back on all purchases, except those made at competing service stations, which is fair enough. The cash back offered at BP service stations is 5% of all purchases, including fuel which, with the current price of fuel, makes filling up at BP more economical than at any of the other service stations, even those offering 4 cents a litre off. All other purchases receive cash back of 1% of the total price paid. The cash back is applied to the next credit card statement and over the course of a year, well and truly pays for the annual $79 cost of the card. Iâ??ve had their card for 2½ years and have earned over $1330 cash back in that time. Be very aware though, that as with all credit cards, the reward programs are only worthwhile if you pay the balance outstanding in full by the due date every month and never take out a cash advance. If you fall behind, youâ??ll be hit with interest on purchases of 20.89%, which will very quickly negate any benefit you may derive from the cash back. And if you take out a cash advance, the interest rate jumps up to 21.39% and you enter a whole new world of pain. Most, if not all, credit card companies will apply your payments to the interest first, purchases second and cash advances last, thereby ensuring that youâ??ll continue paying the highest possible interest rate for the longest possible period. A rule of thumb with all credit cards is, if you canâ??t afford to pay cash for the item, you canâ??t afford to pay for it on your credit card. Your credit card should only ever be an extension of your available cash flow and should be paid in full by the due date every month.
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YesI have a platinum card and Citibank are always sending me great offers and if I call them, I receive priority treatment. Full review
I have a platinum card and Citibank are always sending me great offers and if I call them, I receive priority treatment.
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YesI am extremely happy with the service. My Citibank credit card is the only credit card I have. I have cancelled all the others. I could not use one of my other cards in some stores. With another debit card, I was even (to my extreme embarrass... Full review
I am extremely happy with the service. My Citibank credit card is the only credit card I have. I have cancelled all the others. I could not use one of my other cards in some stores. With another debit card, I was even (to my extreme embarrassment)told that my transaction was declined in one store even though I had $60 000 in my account. I have never had a single problem with my Citibank card. My Citibank card is all I need in my wallet when I go shopping, especially when I purchase airline tickets. The free travel insurance is fantastic. Everyone likes a freebie, but none more than me. My husband is so impressed with the service I receive that he has just applied for his first Citibank card.
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YesI used to love the photo ID on the card but now they gave temporarily suspended it. New card now has 1.25 reward points but this was after they devalued the points by about the same amount or more! Full review
I used to love the photo ID on the card but now they gave temporarily suspended it. New card now has 1.25 reward points but this was after they devalued the points by about the same amount or more!
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Yespro - cash advance interest rate is the same as the standard interest rate pro - generous credit limits con - hard to find an atm for cash advance without occuring fees Full review
pro - cash advance interest rate is the same as the standard interest rate pro - generous credit limits con - hard to find an atm for cash advance without occuring fees
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