Does anyone hold both Amex Plat & Citi Pristige or..

[KingHuang]

Hey everyone,

I would like to know if anyone has had experience holding both the amex platinum charge and the Citibank prestige card at the same time (or another premium non Amex)

- what was your reasoning to get both?
- how did you justify the fees?
- any perks that compliment each other?
- any double up in perks that didn't matter which card you used
- which card did you use for booking travel costs for the insurance perk (or which insurance is better in your view)
- which card did you end up using when overseas - or any alternatives that you did use instead of the 2

 

[Quickstatus]

I have a Amex Explorer and Citi prestige

Citi prestige earns QF points
Amex Explorer earns Amex points which can be converted to other airlines such as SQ
Travel insurance is booked directly not via cards.

Amex used where merchants allow Amex otherwise Citi

Best credit cards to use overseas

 

[RealtimeY]

Nice post to remind me to re-assess whether I really need both, and I'm really not sure I can justify keeping the card for year two.

I originally got mine to churn, but my favourite feature is probably the Priority Pass restaurant credits.

For travel insurance purposes, I usually pay for my outbound flight with my Amex, but if I'm using points which didn't come from the Amex (i.e. most of my QFF points), then the Citi is a good catch-all for the remaining bookings as it's automatic with all QF reward bookings or >$500 spend which is easy.

And with the 3.4% overseas transaction fee, I wouldn't even consider using Citi card overseas. It's cheaper just to buy QF wine.