Citi Prestige has a large collection of privileges for its cardholders, as well as having a litany of rewards on offer. These rewards are even easier to snag with 100,000 bonus Points when you spend $7,500 within 60 days from card approval, as well as a number of situations where each dollar spent can earn you 2 or 3 Points, instead of just 1. Just make sure you'll get enough value from the rewards and perks on offer to justify the $700 annual fee.
For those looking to be rewarded for their credit card spending the Citi Prestige may be the card for you. The Points you earn are never capped, never expire and can be used for cash back rewards, free flights or gift cards. Plus, if you spend $7,500 within 60 days from card approval, youâll kick start your Points stash with 100,000 bonus Points! Sounds like the offer for you? Well you need to move fast, as this offer ends on June 30 2020!
While youâll earn 1 Point per $1 on regular spends, there are times where you can earn 2 Points for every dollar spent or even 3 Points, such as when shopping at selected petrol stations, supermarkets and national retailers you can earn 2 Points for every $1 spent.
When making purchases from selected restaurants, restaurant chains, hotel chains and flights and all eligible international spending you can earn 3 points per $1 spent. But while you are spending up a storm, just remember the steep 21.49% p.a. interest rate.
Citi Prestige doesnât just reward you for spending, it also gives you bonuses for just holding the card. These include things like exclusive access to a range of airport lounges, exclusive travel benefits, such as International Travel Insurance and your 4th night free when you book four consecutive nights at a huge range of hotels.
Although for those travelling internationally, take note of the 3.40% foreign exchange margin.
Want to share this account with a couple of family members? Well you can have up to 4 additional cardholders, and for free.
Big spenders hungry for rewards, whether this is cash back or free flights could be a match with this card as there is a number of rewards up for grabs. Itâs also great for freebie lovers who will utilise the added card benefits such as the 4th night free when you stay for 4 consecutive nights at a huge range of hotels worldwide.
While youâre working on earning these rewards or benefiting from the privileges by holding a Citi Prestige credit card, remember youâll need to pay a $700 annual fee, so make sure you get enough value from the rewards on offer to justify this cost.
Fly Sydney to London return
239,200 points
Fly Sydney to Melbourne one-way
15,600 points
$100 Giftcard
22,300 points
$100 Cash
40,000 points
1 point per dollar on Mastercard, uncapped
Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.
You can redeem flights via Velocity, Singapore Krisflyer, or Emirates Skywards.
3 points per dollar on eligible international purchases (including online shopping on international websites).
Priority Pass includes access to over 1,200 airport launches, your 4th night free when you book 4 consecutive nights at a range of hotels and one Luxury Airport Transfer in selected Australian cities up to $100.
Receive 100,000 bonus Points when you spend $7,500 within 60 days from card approval.
Spend $40,000 (Mastercard)
Spend $22,300 (Mastercard)
Spend $15,600 (Mastercard)
Spend $239,200 (Mastercard)
Uncapped
Never
How do we calculate these points?
To work out the "Rewards value minus fees" in our Rewards Revealer we:
calculate how many points you'd get each year,
figure out how many flights or gift cards or cashback credits you could get for those points,
work out what that's actually worth to you,
take off the annual fee you'd pay.
More details:
Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
Shopping rewards are based on $100 gift cards from a major national department store.
We make every effort to ensure our calculations are correct and up to date but make no guarantees.
21.49% p.a.
none
0% p.a. for 6 months and then 22.24% p.a.
yes
22.24% p.a.
44
$700.00
none
none
none
$30.00
3.5%, min $3.50
3.40%
$0.00
$7.00
$0.00
$30.00
2.0
4
none
Apple Pay, Samsung Pay
Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection
This bank is awesome
Read full reviewCan't provide what they promise. Made a huge balance transfer mistake.
Read full reviewCan't provide what they promise. Made a huge balance transfer mistake.
On the many occasions when I have had questions or issues to pursue, citibank staff that I have dealt with have invariably been courteous patient and helpful. Even unexpected investigations and researches undertaken by them to resolve problems sometimes surprising to me in the anticipated time and effort required have impressed me with the ongoing good service provided.
Read full reviewOn the many occasions when I have had questions or issues to pursue, citibank staff that I have dealt with have invariably been courteous patient and helpful. Even unexpected investigations and researches undertaken by them to resolve problems sometimes surprising to me in the anticipated time and effort required have impressed me with the ongoing good service provided.
Citi is the consumer banking arm of Citigroup, one of the world's biggest financial institutions. Citi was the first foreign bank to be granted a banking licence to operate in Australia. Citi is now the largest international bank in the country, serving millions of Australians with credit cards, mortgages, deposit accounts, charge cards and more.
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20.74% p.a.
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Qantas Frequent Flyer
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2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)
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0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
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Qantas Discovery Card
Qantas Frequent Flyer
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0.75 points uncapped
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30,000
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150,000
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0% p.a. for 7 months then 13.99% p.a.
$55 $0 in the first year
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CUA
Low Rate Credit Card
0% p.a. for 13 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
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2.99% p.a. for 9 months and then 17.99% p.a.
17.99% p.a.
$0
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0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
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Bank of Melbourne
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0% p.a. for 7 months then 13.99% p.a.
$55 $0 in the first year
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Clear Credit Card
0.90% p.a. for 15 months and then 22.24% p.a.
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$99
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Platinum Credit Card
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19.99% p.a.
$149 $0 in the first year
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NAB
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0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
12.99% p.a.
$59
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CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$49 $0 in the first year
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St.George
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
Westpac
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13.74% p.a.
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Promoted
Citi
Clear Credit Card
0.90% p.a. for 15 months then 14.99% p.a.
0.90% p.a. for 15 months and then 22.24% p.a.
$99
Promoted
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
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Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
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0% p.a. for 15 months then 10.99% p.a.
2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)
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Vertigo Platinum
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6.99% p.a. for 12 months and then 21.49% p.a.
$99 $49 in the first year
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11.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$49 $0 in the first year
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St.George
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
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17.99% p.a.
2.99% p.a. for 9 months and then 17.99% p.a.
$0
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13.74% p.a.
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
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Platinum Credit Card
19.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$149 $0 in the first year
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0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
