Multiple Promotional Offers to choose from (see Details) if you apply by 31 January 2020
Points Earn Rate: 1 Citi Point per $1 spent
Linked Diners Club Card has No International Transaction Fees and 2 Citi Points per $1 spent earn rate
0% on Balance Transfers for either 12, 15 or 26 months
Reduced $0 or $49 Annual Fee in your first year
$149 or $199 Annual Fee after your first year
3.4% International Transaction Fee
1% or 1.5% Balance Transfer Fee may apply depending on which sign-up offer you choose
|Category||Balance Transfer Credit Cards and Rewards Credit Cards|
|Contact Number||1300 300 470|
|Benefits||Reduced First Year Annual Fee and Sign-Up Bonus Points Offer|
|Minimum Credit Limit||$6,000|
|Maximum Credit Limit||$100,000|
|Additional Cardholder Fee||$90 p.a.|
|Rewards Program||Citi Rewards|
|Points Earn Rate||1 points per $1|
|Contactless Payments||Apple Pay and Samsung Pay|
|Rates & Fees|
|Purchase Rate||21.49% p.a.|
|Cash Advance Fee||3.5%|
|Late Payment Fee||$30|
|Annual Fee||$149 p.a.|
|Foreign Transaction Fee||3.4%|
|Overseas ATM Withdrawal Fee||$0|
|Interest Free Period||55 days|
|Cash Advance Rate||21.74% p.a.|
|Sign-Up Bonus||Receive up to 120,000 bonus points (80,000 points when you spend $3,000 in the first 90 days from approval and an additional 40,000 points on your first anniversary)|
Choose from one of the following sign-up offers:
|Reduced First Year Annual Fee||$49|
|Balance Transfer Rates|
|Balance Transfer Period||15 months|
|Balance Transfer Rate||0% p.a.|
|Balance Transfer Fee||1%|
|Release date||Aug 2006|
- Verified customer
Rewards (or lack there of...)
I, as most others do, searched for a solid reward program based on spend vs point for airlines (in my case Virgin)
Having just had a positive experience with a spend vs 100k points with Amex, I found (and took a screenshot) a similar deal with Citi bank - Being 100K points. Having now completed the min required (being three months, and over 3k) - I have gone to redeem and found their 100K points in fact turns into less that half, in fact the scheme is for every 2.5 citi points you get 1 virgin... This is/was grossly misleading and was n...
This really is a very dishonest company
I transferred from a great credit company to Citi based on the bonus rewards points. 5 months and many phone calls later they’ve found a way to wriggle out of it although they agreed that I met all the criteria ie- spending the amount within the days, etc.. if you’re thinking of joining based on receiving bonus points really think twice or make sure you going to receive them before you apply.
Coles Rewards Platinum Mastercard (Citibank)
This might not be the correct place to place this review but this is my experience...
1 - Although I did not complete my online application and decided against moving forward on this card the application was processed anyway.
2 - In my application I did not specify a limit and instead opted to be offered a limit based on my income, upon receiving a copy of my credit file I discovered that it was attempted at $60,000.
After contacting customer service to discuss the issue I was told there was nothing they could do and that they are so...rry and will not be removing the application from my credit file even-though no documentation supporting this inquiry was supplied. This card may or may not be of good value but my dealings with Citibank on this matter is dismal.
Avoid at all cost. Applied for one thing ended up getting another
I applied this credit Card for the 100 000 bonus points if I use 3000 in 90 days. After 90 days, I end up using more than 6000 dollars but didn't received the promised points on the internet. Called the Citibank hotline and explained to them twice, the response they gave was the promotion that applied for was 0% balance transfer. I never ever used that balance transfer before. Such a fraud and dishonest bank.
Avoid this card.
I just cut my card up as I found a better provider. Even as I was telling Citibank to close my account down they were trying to sell me balance transfers from other cards. I transferred a balance to this card when I took it up in 2015 with the offer of "interest free for six months". What they don't tell you and found out about later on is that as soon as you make a purchase the interest free disappears. It's a credit card, of course you're going to make a purchase. These guys are total scammers and should be avoided at all costs.
credit card free travel insuruance
Their free travel insurance is only available to customers with no medical conditons.
Zurich insurance was used prior to May 2016 (many) medical conditions were automatically covered. I was always covered.
I travel every year. Since then they have changed to Alliance. They will not provide free insurance as they state that no pre-existing condition is automatically covered and you have to go through a screening questionnaire. They stated a medical conditions that I had 37 years ago was classed as a pre-existing condition. . I have had...
Fraud ,,, they didn't cancel the card which led to more fraud
I used to be fan but I think there's more trusted card providers. Our card had fraud activity and they didn't cancel it as requested.
We had over 12 cases which took a couple of months to sort out. In the mean time I was charge another $99 annual fee that I had been promised to be waived. Apparently no record of this !!!
I have gone with another bank !!
Unable to reach resolution, hit a brick wall with the "one-time pin" debarcle
Have continually been contacting Citibank card services regarding the fact that despite that I am the "primary card holder", I still have been unable to access my account as my password no longer works. I have had to access account via my wife's access and log-on. This worked in a limited fashion till after checking the log on two days ago, I discovered to my horror that the card account had been hacked and criminals clocked up over a hundred dollars of "netflix" charges. After contacting their call centre, "they decided to rule in my favour" a...nd would cancel my wife's card and re-issue a new one. This was all well till I discovered that now I had no longer the access to the account, so I once again contacted their call centre and once again tried to resolve this tiresome issue. They, through their strong accents (which I found hard to understand due to a hearing disability) conveyed to me that I will need a "one-time pin" to activate it and that it will be "sent to my mobile via SMS". So, once again I had to try and convey to them that I do not have a mobile as on the property where I live, I do not receive a mobile signal!!! They basically ignored my plea and said "they sent it anyway". So, I drove the half hour to town where there was mobile reception, received the pin, and drove all the way back home, booted up the computer and entered this "one time pin". Only to find it did not work!!. So I rang them again, and got somebody else with another strong accent that finally conveyed to me that the pin is only active for ((wait for it)) FIVE MINUTES!!! so. I tried to convey to them my situation, and they just ignored me, they had no comprehension of my situation, and kept telling me" to download the pin via my smartphone!!!, to which I tried, with no avail to tell them that I have just a basic phone and was unwilling to pay hundreds of dollars for a phone that does not work where I live!!!. After a long frustrating interchange, I was not rude, but for some reason they have no other method of resolution except this crappy ""one time pin"" debarcle.
Its a vicious Interest Trap
I am so glad that today finally i got out of their vicious Interest trap and finally surrendered my card after 3 years of horror. This is the only Bank i know who don't value their existing customers base. Doesn't matter how loyal you are to CitiBank they hardly cares. They will try to trick you at every step even while closing the account with false promises. I paid $200 yearly fee last month but still choose to close my card knowingly i won't get any refund. If you value peace of mind then don't go near to this bank. They have every trick in their armoury to riff you off.
Horrible Service. Misleading Website
I was planning to apply for a Citibank card, however, I paused the application without completing it.
Then I noticed that Citibank made TWO credit checks against me, at no stage was a credit check permission requested.
I called up and was told that I was declined as there have been too many credit checks on my account...
Currently filing a dispute with the ombudsman
Sneaky bast**** stay away!
Credit card that charges interest from date of purchase, *not* statement date. Replayments allocated to transactions and balance transfer. Which means that you WILL pay interest of over 20%. It's not a credit card, it's a trap! Stay away. I didn't realize these products were allowed. Are there any public interest lawyers here who could help sue the pants off these guys? I'd love to join.
Citigroup Platinum MasterCard provided by Card Services
Unfortunately in the same boat as the rest of the comments below. Interest charged on purchases despite previous agreement with service agent on fees waived. Apparently the only way to avoid would be to not use card. Customer service lacking,ie making client not aware. Hiding behind terms and conditions that are listed on website. Apparently unable to send out a physical copy of terms on conditions,yet able to send out notification of terms and conditions via mail with statement. If you want a card without nasty surprises,suggest avoid anything to do with Citigroup including Card Services. It will really cost you as well as customer service nil.
Shocking service terrible internet banking
I wish to complaint in the strongest possible terms about citi's disgusting lack of customer service and terrible internet banking system. They can positively identify me to record my voice print yet I cannot access my account details without having my card present. They happily record my voice and say that they have correctly identified me but claim that to protect me I am not allowed access to my own account details. No offer to assist with alternate methods, no care for my needs, no questions to explore potential solutions just blatant refusal to treat me with the slightest humanity. I have sent them a complaint and stated they are welcome to contact me and I will provide additional feedback but I truly do not expect to hear from them.
Terrible Citibank Credit Card & Service
Application process for the credit card took a long time. Citibank Emirates Platinum Credit Card terms are misleading and not consumer friendly. Rip off! Even if you pay off your balance they still charge retail interest for every purchase! What's the point of a credit card? No other bank does that. Citibank has bad customer service and terms. When contacting them they are not helpful and it takes ages to get a responds. Frustrating all around.
Don't Waste your time!!
7-10 business days later my balance transfer is still not through ring them up get told to wait a few more days. Ok so I wait and still nothing call back and all they can tell me is my bank still hasn't received the cheque. No way sherlock thats why I called!!!!!
Asked for the cheque to be tracked and got told they can't do that i can wait another 3-5 business days and MAYBE then it would arrive. To cancel the cheque first it was 3 days n then it became 3-5 days and god know how long it will take. They won't BPAY the money and won't give you a...
Citibank balance transfer rip off
If you take up a Citibank balance transfer offer for say 6 months and then use your card to purchase anything, citibank charge you interest on purchases (you lose your 55 day interest free) even though you pay your card down to the balance transfer amount. Rip Off. Aparently this is buried deep in the terms and conditions. Note that other Australian banks do not do this. You can pay down to the transfer amount and pay no interest on purchases. What is the point of them offerring you 6 months at a low rate if they then slug you on the purchases ...even when you've paid them off before the due date? Its a credit card you can buy things with it There is such a distant relationship. Every thime you call them you speak to some one different. Their policies are sneaky and they will entrap you.
Never again - Applied for one thing ended up getting another with no consultation with me
I tried to apply for a 'Citibank Clear platnium card to take advantage of the 6months interest free period mainly on balance transfers. All I can say is what a joke and a painful experience.
I was contacted on 3 occasions, each person advised I only needed to fax in my medicare care and no income details, then without consulting or advising me they ‘declined’ my application for the clear platnium card and signed me up for a normal clear card(which doesn’t have this same offer) When I called them to follow up on my application as I had an ema...il saying it was approved yet online it said declined the reason for it being declined was I applied for a max credit limit which was lower than the minimum limit; However I requested a 8000 max limit when according to the operator the min limit is 6000 on this card… I am very dissapointed. Citibank did offer to try get me the same balance transfer of the normal clear card and not the platnium card however I was after a platnium as it is what i currently have with my other bank (that i was going to cancel) as i like the platnium advantages of travel insurance etc. Again what a joke and painful process to apply. Very poor service and I think I am going to steer clear.
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