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Citi cards - major changes

theblank

Established Member
Joined
Aug 3, 2014
Messages
1,307
WATER RATES are they:
Yes they are government. Citibank have every right not to aware points on these bills.

But each local government would be treated differently as this is all dependant on the entity data with their credt card merchants. Some might be properly categorised and others wont. So if one LG entity still manages to earn points, it doesnt mean others will, or that this is sustainable.

All you can do is continue paying your water bill and stop when you notice it no longer gives you points, stop and change cards. Or just pay them with a card that you know will credit the points.
 

albyd

Established Member
Joined
Apr 7, 2011
Messages
1,866
Which GCs did you use at the PO? They decline to accept them when I whip mine out. Having said that, with the new Woolies policy of eGCs not being able to buy GCs anymore having been rolled out, anything I can source at Woolies is now out of the question.
 

ermen

Established Member
Joined
Oct 9, 2010
Messages
1,214
Citi prestige restaurants: does anyone know what exactly this is? does it include most restaurants eg your local takeaway and diner?
 

Chicken

Established Member
Joined
May 9, 2006
Messages
1,029
sorry should have been more clear. the Prestige card offered 3x points on major restaurants. Wanted to find out what their definition of "major" was
It's pot luck, see small print point # 4

"will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). If, for example, a restaurant is not classified as a restaurant by the card scheme, it will not be treated as a "major restaurant" for calculating Points"

I had problems with AmEx Reserve when they were giving extra points for restaurants. I was always calling AmEx telling them that the place I spent money on was a restaurant, go to their web site have a look, and they would some time apologise and give me the extra points, other times have a whine and blah blah at me.

It is impossible to cross check completely with Citi, hence I would not rely on that function / feature.
 

ermen

Established Member
Joined
Oct 9, 2010
Messages
1,214
It's pot luck, see small print point # 4

"will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). If, for example, a restaurant is not classified as a restaurant by the card scheme, it will not be treated as a "major restaurant" for calculating Points"

I had problems with AmEx Reserve when they were giving extra points for restaurants. I was always calling AmEx telling them that the place I spent money on was a restaurant, go to their web site have a look, and they would some time apologise and give me the extra points, other times have a whine and blah blah at me.

It is impossible to cross check completely with Citi, hence I would not rely on that function / feature.
thank you that was useful

guess my local fish and chips shop should not count as "major"
 

Lynda2475

Active Member
Joined
May 1, 2009
Messages
831
Qantas
Gold
Virgin
Red
So it seems Citi no longer have any Visa cards that earn QFF except the Prestige (which isnt even listed on Qantas site) but the $749 fee is crazy high with no big sign-on bonus. Premier doesnt seem to have a Qantas option unlike its predecessor the Signature.

Im looking for a new QFF earning Visa and as ANZ, Westapc, SGB/BoM/BSA are all out due to excluson period, i was planning on a citi Signature now seems NAB is only option.

Wondering why Citi is moving away from Qantas cards?
 
Last edited:

SOPOOR

Established Member
Joined
Jan 12, 2009
Messages
2,908
I just visited my elderly relatives place and saw their citi statement,

at the very top it says

"Note: from3 Feb 2020, in accordance with T and c, if you have previously been paying interest and pay your closing balance in full by the payment due date, we will now also charge you interest on new transactions made up until the date you pay your closing balance in full, paying earlier means that we will charge you less interest"


anyone understand what they are talking about?
 

SydneySwan

Established Member
Joined
Jan 12, 2014
Messages
1,228
Qantas
LT Silver
I just visited my elderly relatives place and saw their citi statement,

at the very top it says

"Note: from3 Feb 2020, in accordance with T and c, if you have previously been paying interest and pay your closing balance in full by the payment due date, we will now also charge you interest on new transactions made up until the date you pay your closing balance in full, paying earlier means that we will charge you less interest"


anyone understand what they are talking about?
I took it to mean that if you are not in the habit of paying your bill in full each month then new purchases have no interest-free period and will accrue interest from the date of purchase.
 

albyd

Established Member
Joined
Apr 7, 2011
Messages
1,866
I took it to mean that if you are not in the habit of paying your bill in full each month then new purchases have no interest-free period and will accrue interest from the date of purchase.
I thought that it was always the case if you don't pay your statement on time that new charges have no interest free period if you're carrying a balance. Have I been working under the wrong assumptions all these years? Having said that, I pay my statements in full every month as the economics of paying interest to get rewards points doesn't work.
 

SOPOOR

Established Member
Joined
Jan 12, 2009
Messages
2,908
I thought that it was always the case if you don't pay your statement on time that new charges have no interest free period if you're carrying a balance. Have I been working under the wrong assumptions all these years? Having said that, I pay my statements in full every month as the economics of paying interest to get rewards points doesn't work.
ive been using credit cards all my adult life but always pay off everymonth so how interest is caculated is still a complete mystery to me,

one month I accidentally used an atm that withdrew cash as a cash advance, and I tried to pay it all off the next day to avoid interest but still got charged, even the bank rep couldnt explain it properly

but I thought the above was standard, so im trying to work out whether citibank have been more generous than other banks or the notice means they are becoming more greedy
 

Spongbob

Active Member
Joined
Sep 11, 2011
Messages
745
Was there not a BRA regulation change about how interest free periods are calculated?

Interest only accrues on the unpaid amount owing, not the the total amount shown at the start of statement date?
 

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