Who else still holds the Citibank Free For Life Premier Card?

Regarding the possibility of an annual fee, I will ring NAB if they charge one and ask if I can keep the card fee free being a NAB shareholder. My other NAB card is free for this reason. Alternatively I'm happy to pay the annual fee simply because of the travel insurance that comes with the card.
 
Fee on my no annual fee for life = Class action pending!
Don't get me wrong. I still think that cardholders have been treated very shabbily.
The words "without any admission of liability" are used in the email/letter than I received.
Feel free to consider what that means.
 
Don't get me wrong. I still think that cardholders have been treated very shabbily.
The words "without any admission of liability" are used in the email/letter than I received.
Feel free to consider what that means.
Yep keep at them, state the clause in the terms and conditions
 
Don't get me wrong. I still think that cardholders have been treated very shabbily.
The words "without any admission of liability" are used in the email/letter than I received.
Feel free to consider what that means.
No one has been treated any differently yet, at least in regard to an annual fee, so I don't understand how you can say, think or feel that "cardholders have been treated very shabbily". You're jumping at shadows.

If you want to argue any changes to the card, go and do so about their removal of certain transfer partners. No one liked that but there was plenty of notice so everyone had the opportunity to make provisions to avoid any loss.
 
No one has been treated any differently yet, at least in regard to an annual fee, so I don't understand how you can say, think or feel that "cardholders have been treated very shabbily". You're jumping at shadows.

If you want to argue any changes to the card, go and do so about their removal of certain transfer partners. No one liked that but there was plenty of notice so everyone had the opportunity to make provisions to avoid any loss.
Only a matter of time sadly.

The foundations have been laid.

The snuck something below most cardholders' guard.

Rather shabby imho.

Credentials - ANU law degree. 30+ years in private and corporate practice including two top tier law firms and more than 5 years with a top 10 by market capitalization ASX listed corporation.

 
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Only a matter of time sadly.

The foundations have been laid.

The snuck something below most cardholders' guard.

Rather shabby imho.

Credentials - ANU law degree. 30+ years in private and corporate practice including two top tier law firms and more than 5 years with a top 10 by market capitalization ASX listed corporation.

To repeat my earlier post:

This is/was the risk of waiting while having used their card.

Extracted from page 7 of their credit card terms and conditions document.

You’ll accept our offer and agree to the terms of
your credit contract:
• when you or an Additional Cardholder uses
your Account or uses or activates your Card
(this includes us debiting your Account to
process a Balance Transfer requested by you);
or
• by following an acceptance method we may
make available after you submit an online
application. We’ll let you know if we make this
acceptance method available.


I used the word "deemed" or "deeming provisions" to refer to this kind of legal mechanism in earlier posts.

Elsewhere in their terms and conditions document - e.g. page A38 - they reserve to themselves the right to charge fees and charges whenever they see fit.

I work with these kind of provisions all the time.

Do these provisions mean they will win against cardholders? No, but it gives them arguments to muddy the waters.

In my view, the best time to approach them was before the date Citibank transitioned to MyCard -i.e. before these MyCard terms and conditions became operative.
 
Here is an example of what I mean:

To quote FL360 from this thread on November 25, 2025:

"For you all, yesterday I have asked NAB CS if I can continue to have fee free for life for Mycard Premier. I had been a fee free for life for Citi Premier, today they call me back and say they will start charge me the annual fee. Hence I have cancelled the card straight away. I also told them I have never received written correspondence of this detrimental change to my account. NAB is pissing me off in this now as now I will have less intention to consider refinance my mortgage to NAB in the future.

Also I have asked if this annual fee now applies to everyone who was fee free for life, the answer from CS is yes. (I could be lied to, happy if anyone to correct me if I am wrong)."



"They call me back and say they will start charge me the annual fee" despite the fact FL360 held a fee free for life Citi Premier card.

Yeah, imho they treated FL360 very shabbily.

As to their current and future intentions, FL360's report back to us is very clear:

Also I have asked if this annual fee now applies to everyone who was fee free for life, the answer from CS is yes. (I could be lied to, happy if anyone to correct me if I am wrong)."

Now I could be wrong but I don't think FL360 will say that I am "jumping at shadows".
 
No, you are not wrong, in fact, the Commercial Team in NAB is going to charge you a $10,000 annual fee starting from next week, so you should really cancel your card before this weekend.
Your comment is inconsistent with what I have in writing from NAB.
The majority of your comments on this subject have not been helpful for cardholders.
Quite sad really.
And your flippant response speaks volumes.
 
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This is taken from another thread where I responded to a question.
I try to help cardholders - while a few huff and puff and steer you in the wrong direction.
Perhaps the following can still help some of you.

When I wrote to Citibank/NAB. I did not ask them about the possibility of them charging an annual fee.
I framed the issue in a different way and posed them some questions.
They were awkward questions to answer.
Here is the trap that they laid for cardholders.
From page 7 of their credit card terms and conditions document:

You’ll accept our offer and agree to the terms of
your credit contract:
• when you or an Additional Cardholder uses
your Account or uses or activates your Card
(this includes us debiting your Account to
process a Balance Transfer requested by you);
or
• by following an acceptance method we may
make available after you submit an online
application. We’ll let you know if we make this
acceptance method available.


Elsewhere in their credit card terms and conditions document - e.g. page A38 - they reserve to themselves the right to charge fees and charges whenever they see fit.

From the moment cardholders use their new MyCard acccount or activate their MyCard then they are taken (deemed) to have agreed to the terms of the MyCard credit contract.
Terms which give them the right to charge fees and charges whenever they see fit.

The best time to approach them was before the date Citibank transitioned to MyCard -i.e. before these "sneaky" MyCard terms and conditions became operative.

Although I did not state it in such simple terms, my letter to them explained the above to them.
In simple English the essence of my letter was "I can see thorough what you are trying to do. Please explain to me what gives you the right to do this. Until you answer I do not accept and am not deemed to have agreed to the terms of the MyCard credit contract and all my rights are reserved".

After that came the offer of the go away nuisance payment.
 
FFS people, stop calling NAB asking about fee free for life.

Someone would have made a decisions, accounts and their fees and discounts would have been loaded into the new system.

If they needed to change your pricing, they would have told you (as required legally). They cannot just take money off you out of the blue, they need to tell you that 'We are going to charge you a fee from now on'.

The more people call up NAB to ask, the more customer service staff escalate the question higher up, and all you are doing is putting yourself (and everyone else) on the radar, because all you are doing is keep reminding that commercial / pricing team equivalent that your massive discount exists and they should think about you.

It's like the speed limit is 60kmh, you just drove past a cop car at 63 kmh, so you stop, chuck a u turn, go to the cop car, knock on the window of the cop car, then ask the cop "So, I just drove past you at 63km/h. Are you gonna give me a ticket?"

Why on earth would you do that???

As a consolation prize, I am glad that some people who just hit the panic button are cancelling. If someone hits the panic button over every little thing, then maybe they should just re-adjust the financial products they obtain. Don't ruin it for everyone else.
Sorry Chicken.
You were way off the mark.
It had nothing to do with people calling NAB to ask.
Their terms and conditions, which were given to us even before anyone called, gave away their playbook.
All you achieved by encouraging inaction before the MyCard terms and conditions came into effect is lead some cardholders into the "deeming provision" trap in page 7 of the MyCard credit card terms and conditions document:

You’ll accept our offer and agree to the terms of
your credit contract:
• when you or an Additional Cardholder uses
your Account or uses or activates your Card
(this includes us debiting your Account to
process a Balance Transfer requested by you);
or
• by following an acceptance method we may
make available after you submit an online
application. We’ll let you know if we make this
acceptance method available.


I trap which some other astute cardholders also noticed.

Hopefully some cardholders who read this have not used their account or activated their MyCard yet.

It's not to late to resist. It never is but it is harder because NAB now has an additional argument.
 
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