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 can even be spent directly on Amazon. Plus, if you spend $3000 in the first 90 days from card approval, you’ll kick start your points stash with 150,000 bonus points.
While you’ll 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.
For purchases made 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.
Citi Prestige doesn’t 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 travel insurance and a complimentary night at one of their premium hotel partners.
Although for those travelling internationally, take note of the 3.40% foreign exchange margin.
If you are interested in transferring some other debts onto the Citi Prestige, for the first 6 months, you’ll have a 0% balance transfer rate (21.74% afterwards).
Want to share this account with a couple of family members? Well you can have up to 4 additional cardholders, and for free.
Who it's good for:
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. It’s also great for freebie lovers who will utilise services such as the complementary, once a year, overnight stay in a premium hotel partner.
While you’re working on earning these rewards or benefiting from the privileges by holding a Citi Prestige credit card, remember you’ll need to pay a $700 annual fee, so make sure you get enough value from the rewards on offer to justify this cost.