[rooboy68]

I have reached my 120,000 point annual limit with Citibank Plat Visa and am now looking for the best way to continue to earn points via Visa/MC.

I spoke to Citibank today and was told my card resets at the anniversary month, in my case it's May. (4 months away!)

Should I apply for a secondary Visa card with another bank that gives me 1:1 QF points redemption and use this as my back up card? Or is there a magical card out there that will do it all for me? (ie...Visa/MC, No points capping, and 1:1 QF points)

I already have the Diners and Amex bases covered, just need a solution to my Visa problem...

Thanks

[Nutcase]

Option 1 - Apply for another Citibank Card (Maybe Gold Free for life) Quick and dirty solution

Option 2 - Earth Masteracard (0.5 points per $1) Not the best deal on points

Option 3 - StGeorge Private Bank Visa Platinum (if you qualify) ($1=1point)
St.George Privatebank

Option 4 - ANZ Private Bank Visa Platinum ($1=1 point)
ANZ Private Bank Platinum Visa Card - Platinum Service

Westpac Gold or Platinum Amex/Mastercard Combo ($1=0.5 points) Expensive of low points accrual

Good luck

[lovetravellingoz]

Hi rooboy...

Do you havea partner who does not havea citibank VISA?

If so time to get them a free for life gold card (as long as they have the required income...)

[rooboy68]

Just tried to apply for a Citibank Gold free for life card for Mrs Rooboy and got this after filling out the application...

Due to a system error, we are unable to process your application. We apologise for any inconvenience this may cause you. Please try to submit your application later.



I'll try again tomorrow!

Cheers

[one9]

Originally Posted by rooboy68

I have reached my 120,000 point annual limit with Citibank Plat Visa and am now looking for the best way to continue to earn points via Visa/MC.

I spoke to Citibank today and was told my card resets at the anniversary month, in my case it's May. (4 months away!)

Should I apply for a secondary Visa card with another bank that gives me 1:1 QF points redemption and use this as my back up card? Or is there a magical card out there that will do it all for me? (ie...Visa/MC, No points capping, and 1:1 QF points)

I already have the Diners and Amex bases covered, just need a solution to my Visa problem...

Thanks

How do you know that you card got capped. Did you notice that no new points were being credited? Or did you just assume so because you reached 120,000 points?

I and others I know have well exceeded the so called cap. We do our best to keep under the radar. The cap is not automatic. It "may" be applied. I would not be calling up and asking about the cap unless you were sure that you were already being capped.

[rooboy68]

I called Citibank because points were not being credited for December and now January. I average 15,000/month.

Agent told me it was because I had reached my 120,000 annual limit late November.

[Chicken]

Originally Posted by one9

How do you know that you card got capped. Did you notice that no new points were being credited? Or did you just assume so because you reached 120,000 points?

Citibank finally caught up with me after 4 years! After earning a few hundred thousand points every year, I just got a statement today, which has bold typing.

"A maximum of 60,000 reward points can be earned in each anniversary year. Please see the Rewards Terms and Conditions for more information"

Just above that:

"Base points earned 0"

My partner got an Earth+. Should I use that and get half the points? Or should I apply for another Citibank?

[lovetravellingoz]

Originally Posted by Chicken

After earning a few hundred thousand points every year,

.
I think indicates that it is worth you getting another card or two..
.
.

Originally Posted by Chicken

My partner got an Earth+. Should I use that and get half the points? Or should I apply for another Citibank?

200,000 - 60, 000 = 140,000 lost points per year.

That is say Lnadon Return airafre or RTW ticket.

Say $2000-3000...more $$$ if used for upgrades.

So another free for life Citbank.... perhaps an AMEX free for you a year.... but even if you have to pay some yearly fees you will be well in front..

Eaning at 0.5 = losing 70,000 points - $1000-2000 +

[Chicken]

Originally Posted by lovetravellingoz

.
I think indicates that it is worth you getting another card or two..

So another free for life Citbank

I know, but the problem is I don't know if I can actually successfully apply for another Citibank free for life gold card, since

1 - I already got one
2 - I am self employed and eat off my company. My tax return makes a check out chick looks loaded.

perhaps an AMEX free for you a year....

I already have an AmEx platinum credit card, to get the free red e deal and $1=1.5 pt, but it is AmEx, not Visa, and honestly, AmEx is pretty hopeless in many places in many countries.

Even if I get another free Citibank, successfully, it MAY cap me again after 60000 points, which will again, takes me well under 6 months to achieve.

I don't know if I should try my luck for CBA platinum which is $1 = 1 QF point, and the cap is 150 000. Only problem is, they do not tell you what is the minimum income requirement, and my tax return is a problem.

[rooboy68]

Thanks for all the suggestions guys.

I ended up getting a CB Gold (Free for Life) Visa in my wife's name.

I will get an addition card (for free) on it and add it to my arsenal of cards.

My CB Platinum gives me 120,000 points annually, my new CB Gold gives me 60,000 annually and my Amex and Diners make up the balance.

My annually spend is around 200,000 so I should be right!

Cheers