Citibank Credit Card - Reward Point Capping

Discussion in 'CitiBank Rewards Program' started by PaulZ, Sep 4, 2006.

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Has Citibank Enforced a Cap on the Number of Points You Earn?

  1. Platinum Card - Yes

    3 vote(s)
    23.1%
  2. Gold Card - Yes

    0 vote(s)
    0.0%
  3. Silver Card - Yes

    0 vote(s)
    0.0%
  4. Platinum Card - No

    4 vote(s)
    30.8%
  5. Gold Card - No

    3 vote(s)
    23.1%
  6. Silver Card - No

    3 vote(s)
    23.1%
  1. PaulZ

    PaulZ Member

    Jan 11, 2005
    215
    0
    With the demise of the Ezy Bank MasterCard, I have begun using my Citibank Gold Card more often.
    I note the T&C's allow Citibank to set a cap on the number of points you can earn, no less than 60,000.

    In your experience do they enforce a cap? I have spent $62,000 so far this year, and they have awarded me 62,000 points.


    Thanks

    PaulZ
     

  2. oz_mark

    oz_mark Enthusiast

    Jun 30, 2002
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    Some people have reported that the cap has been enforced on them, while others have reported no capping.
     
  3. one9

    one9 Active Member

    Sep 14, 2005
    591
    8
    Anyone else who spends more than the stated limit ? Please vote!
     
  4. Chicken

    Chicken Active Member

    May 9, 2006
    658
    68
    Sydney
    I only have a silver card, but the points I'm earning is well over the cap limit for platinum, and I'm still getting all my points.

    Yes, Citibank is a disaster, but $69 for 1:1 QF point and practically no cap, I just have to put up with them :oops:
     
  5. one9

    one9 Active Member

    Sep 14, 2005
    591
    8
    The results of the poll are pretty dissapointing - in two aspects.

    1. Hardly anyone voted. Maybe not that many people who have Citibank cards spend more than the stated limits.

    2. One Platinum cardholder reported that they had points capping applied to them.

    Personally, I decided to get the Citibank Gold Card, and have recently received the approval email, and intend to spend over 100k per month on it, so I will soon learn for myself. I am guessing I am going to end up with another card that I can't use for 10 out of the 12 months until the points capping starts for a new year.
     
  6. lovetravellingoz

    lovetravellingoz Senior Member

    Jul 13, 2006
    5,551
    1,475
    MEL
    Now that is serious spending....

    PS: I have only had my card a free for life gold a month.....
     
  7. oz_mark

    oz_mark Enthusiast

    Jun 30, 2002
    17,353
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    Melbourne
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    It is quite likely that something about the patterns of transactions is what ultimately leads Citibank to enforce the cap. I would not be surprised with your proposed spending pattern if they do enforce the limit, but may take them a couple of months to get around to doing it.
     
  8. serfty

    Moderator

    Nov 16, 2004
    39,042
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    I would have voted if you had an option for "I Don't have a point earning CitiBank Card".
     
  9. straitman

    Moderator

    Apr 27, 2003
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    Likewise. :cool:
     
  10. one9

    one9 Active Member

    Sep 14, 2005
    591
    8
    Can someone who has the Citibank Platinum card please confirm : Is the first 6 digits of the card 456487? I am just curious as I think the Gold and Platinum card share the same BIN number (first 6 digits which identifies bank and card type) which is unusual for Australian cards.
     
  11. oz_mark

    oz_mark Enthusiast

    Jun 30, 2002
    17,353
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    Melbourne
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    I can confirm that these are not the first six digits. My card does start with a 4 though.
     
  12. one9

    one9 Active Member

    Sep 14, 2005
    591
    8
    thanks.... your card has to start with a 4 if its a visa :)
     
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