$0 Annual Fee for Life on Citi Platinum/Signature CC Complimentary Insurance

[astrosly]

Hi folks,

I'm interested in getting the signature card for the QFF points + lounge passes + travel insurance for only $49/year. Am I correct in assuming that though the FandF offer webpage doesn't explicitly list these other benefits you still get them on the $0/year for life signature card?

Also the offer ends 31 Dec but I don't need to use the card for a while (waiting for a current one to finish its year to cancel) so don't want to activate and have the $49 fee applied straight away but not use the card for some time. If I apply and get the card but don't activate it till around March, can I still enrol the card in the QFF program instead of their rewards program and don't pay the $49 fee till then? Does that sound right? That is, the program you are allocated to on the card happens at activation - even if it is months later - and not at card account creation and you can change later on.

And leyy I agree their online banking system leaves a lot to be desired including their "secure" login facility.

 

[astrosly]

How are people getting the $0 annual free if already holding the card? I've held the Signature for approx 6 months and would be very keen to reduce the annual fee! Also, never actually received my priority pass membership that I am meant to be entitled too...

You have to apply. I can't find the URL but there's an address Citibank provided on a letter.

According to item 8 of the T&Cs:
One complimentary Priority Pass™ Standard Membership, with two complimentary lounge visits, for the primary cardholder is a special feature of the Signature card. Signature cardholders must enrol for the Priority Pass Standard Membership at prioritypass.com/citibankaus.

 

[whatmeworry]

Sadly due to salary I can only get the Platinum card. As I prefer QFF points, should I still get the plat card? I see a few benefits... but is it worth it?

 

[DeKa]

Sadly due to salary I can only get the Platinum card. As I prefer QFF points, should I still get the plat card? I see a few benefits... but is it worth it?

Yes. Based on past history, in a couple of years you'll get a fee free upgrade to Signature.

 

[whatmeworry]

Will I then be able to transfer points to QFF then?

 

[lovetravellingoz]

Yes. Based on past history, in a couple of years you'll get a fee free upgrade to Signature.

Not sure about that. Citibank check salaries pretty keenly, and so if theie salary is still to low I would doubt that they would approve an upgrade.

 

[rweir]

No, but you could enroll and send future points to qff as you earn them.

 

[quokka77]

Will have to give this one a miss as I just got the select card and I don't feel like extended discussion with citi re eligibility, nor another hit to my credit score. That's a shame because this seems a very generous offer, for those in a position to take it up.

 

[legroom]

Free-for-life offers do not come around every so often.

I'm tempted to get one - in addition to Select - as there might be a time when you would cancel the Select.

The FREE reserve would then become useful.

What's the downside ?

Some extra baggage on the credit score sheet ?

Will have to give this one a miss as I just got the select card and I don't feel like extended discussion with citi re eligibility, nor another hit to my credit score. That's a shame because this seems a very generous offer, for those in a position to take it up.

 

[Keith009]

FYI: I'm a current Signature cardholder and rang them to enquire about this offer. I was prepared to moan about how I was feeling thoroughly aggrieved as a fee paying current cardholder but without any prompting, the lady on the phone offered to waive my annual fee for life once I mentioned the offer.

 

[Spizz]

FYI: I'm a current Signature cardholder and rang them to enquire about this offer. I was prepared to moan about how I was feeling thoroughly aggrieved as a fee paying current cardholder but without any prompting, the lady on the phone offered to waive my annual fee for life once I mentioned the offer.

Woohoo. Just did the same with my current Signature card. Didn't have to moan either and got swapped over from my discounted $199 yearly fee for life to $0 annual fee for life without having to reapply. Thanks Citibank for the early Christmas present.

 

[burmans]

Citibank check salaries pretty keenly

You sure about that, not really sure how you think they "check salaries". Signing a privacy consent at the time of application isnt the same as giving the credit provider free reign to keep on calling your HR department. In my case I know they didnt check my salary before ofering an upgrade as I'm a one man company, the check would have come to me.

 

[quokka77]

@legroom... Have not held Select for >9 months so I wouldn't technically be eligible for another Citi card? And re credit score, I have 4 card applications (0 refusals) in 10 months on my record so not too keen on another. Have to admit I'm tempted tho. This would be a good card for me in the long term (assuming it isn't enhanced).

 

[tim374]

Yes. Based on past history, in a couple of years you'll get a fee free upgrade to Signature.

Does anybody have any comments/experience on whether you need the minimum credit limit for the product they upgrade you to. For example, Signature is minimum $15,000 and Platinum is $6,000. Based on that, if you had say a $8,000 limit on Platinum, would you be bypassed completely for a free upgrade?

Contemplating asking for a $15,000 limit when applying but that's significantly higher than any of my other ones.

 

[Spizz]

From my experience in moving from Platinum to Signature you do need the $15k minimum as that is what the entry point is to Signature.

 

[vitagen]

Mine Got approved on Friday! Looks like I beat the rush.

 

[Cerca]

Mine Got approved on Friday! Looks like I beat the rush.

Lucky you. I applied on Tuesday and have been in 'conditionally approved' since then. I have faxed in all the documents and one of them rang me to clarify my income details but since then I haven't heard anything. I did get that SMS that they were experiencing processing delays.

It's making me very uneasy, how long this whole process is taking.

Is anyone else still stuck in 'conditionally approved'?

 

[PLANT]

Interesting....my limit to new Signature card is double what Mac Plat gave me.....not asked for????
So I don't have the card in my hand but it is showing in online account.
I cannot get the Free Priority pass membership and cards until I get the physical Sig card and activate it?
If I do get the Sig card Monday....can you get like a Priority pass printout to show registered and use it immediately?

Right I found this from above posters: http://www.prioritypass.com/citibankaus/

Will Citi give me the promo code over the phone not having received the pack?

Edit: I think the answer to all questions is NO!
Priority Pass required to enter lounge as per their T&C

 

[hummel]

Interesting....my limit to new Signature card is double what Mac Plat gave me.....not asked for????
So I don't have the card in my hand but it is showing in online account.
I cannot get the Free Priority pass membership and cards until I get the physical Sig card and activate it?
If I do get the Sig card Monday....can you get like a Priority pass printout to show registered and use it immediately?

Right I found this from above posters: Citibank Australia

Will Citi give me the promo code over the phone not having received the pack?

Edit: I think the answer to all questions is NO!
Priority Pass required to enter lounge as per their T&C

Interested to know this too, I don't recall seeing anything about a code in my welcome pack.

 

[Cynicor]

From the first time I saw the pack years ago, I recall the code was very small and easy to miss. Maybe in the fine print only, even. It was google-able though, so that should help.