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The card was very good for me in Ho Chi Minh City. Citibank has a huge presence there and the rates were great.
I haven't come across a Citibank ATM in Kuala Lumpur but I have used the card at other ATMs and the rates also seem good.
03 Jan 2014 | INTERNATIONAL ATM WITHDRAWAL REF:0003xx_xx KL SENTRAL ARV KUALA LUMPUR MYR50 INCL INTL TRAN FEE AUD0.0 | AUD 17.23 Dr |
Is there any reason to bother with a 28deg mastercard if you have the citibank plus? I haven't tried but assume you can use the citibank plus for credit purchases....
The only reason I can think of to bother with 28deg for purchases is so you get the interest free period?
Is there any reason to bother with a 28deg mastercard if you have the citibank plus? I haven't tried but assume you can use the citibank plus for credit purchases....
The only reason I can think of to bother with 28deg for purchases is so you get the interest free period?
Go for BankWest Qantas Platinum and get the 1:1 QFF on a MAstercard too, including foreign purchases
Go for BankWest Qantas Platinum and get the 1:1 QFF on a MAstercard too, including foreign purchases
Yes, the Bankwest T&Cs say that foreign exchange purchases do not earn points.
I would take that to mean purchase of foreign currency, not an overseas transaction (I would expect the card to earn points on foreign transactions. I'm sure someone here can confirm/deny first hand?)
I guess it may depend on where and how the PNG Government pay your son. Presumably they are paying in PNG in Kina. This would no doubt either entail depositing against a Visa debit card number, or directly to the bank account involved, using Australian BSB number etc. I imagine this would be done through the PNG Government bank. I doubt Citibank Sydney run any Kina accounts so it would seem the amount would have to be converted to AUD and sent to Citibank Sydney. If that was so I would expect the PNG bank would convert the currency and charge the fee. So conversion rate free and fee free may not occur.
Reality may see it differently.
Thanks for clarifying the Bankwest points earn question.
My dilemma for when I move to Canada/US next year is which credit card to use for purchases: do I use the CitiPlus, saving on both forex fees and card fee; or do I use my Citi Select, earning 3.33 Krisflyer points per dollar but paying 3.3% for the privilege? Let's say I spend 100k whilst overseas - this is either 0 points and $0 fees with CitiPlus, or 333,333 KF points for $3300 in fees, plus the $700 annual fee. Alternatively, I could get a Bankwest card and pay the $160 card fee, no forex fees and earn 100k QF points. I also have a fee free Citi Signature, but this would still incur the 3.3% forex fee for less points (266,666 on 100k spend).
Decisions! I don't intend to close my Select card, so the $700 fee can be removed from the equation. And I guess that the forex fees from the card can really be viewed as a the price being paid for accelerated points earning.
What would others do?!
If you are moving permanently, or for at least a year, get an Australian Amex as soon as possible and when you move next year use their Global transfer programme to get a US or Canadian Amex. This means you can access generous American sign up bonuses without the usual difficulties of getting a credit history in North America.
Would you buy KF points at 1c per point? if so use Select, if not use CitiPlus....
Even better get a local CC if you can.
Yes I think so. For a little under those 333,333 points (for which I'd pay $3300) I can fly 2 ppl return PER-SFO/LAX in J, with taxes of ~$2500. So that would be ~$2900 per ticket which is fine for me for that product.