[推荐]终身免年费的Citibank信用卡

lijun1227

如果有收入，是不是ＰＲ，不要紧的。消费不多，如果还要有reward，又不想付年费的话，这张是最好的。如果有其他需要，还有其他卡可能更好点。<br>
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artog.com.au 这家网站很好，在这上面申请卡，你还可以拿$20,我就是申请citibank gold拿了$20。<br>
infochoice.com.au　也不错，上面有一张利息低于１０的免年费卡。<br>
还有一些cannex.com.au，www.frequentflyer.com.au都不错的。

lijun1227

不用谢，对美国的信用卡产品，没想法。

chubbycat

I've been using Citibank visa here too and United Airlines visa to earn free round-trip ticket

lijun1227

There are much more credit card products in US, because the market is much more bigger than AU.

sbike007

去artog.com.au看了，可是CITI BANK GOLD CARD 要100多年费啊，不知道各位是怎么申请到免年费的。

乐天

申请这个卡的时候还需要存钱进去吗？

lijun1227

我一直在用HSBC的，到目前为止，还是觉得HSBC的online saving account最好，尽管有很多人说不好。四大银行的transaction account几乎都要收费的，除非用了它们高价home loan。Citibank的transaction account要工资打进去免月费，unlimited ATM，但对于我一年也用不了几次ATM的人，HSBC提供一个月五次免费foreign ATM,unlimited HSBC ATM，足够了。<br>
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没什么比较transaction account的网站，如果是saving account，abetterdeal.com.au, HSBC serious saver是目前来说最好的。

whjohn

那个6。9%是什么意思呢？6.9% p.a. for the life of your balance transfer

lijun1227

你可以把其他信用卡的balance集中到这张信用卡上。这时要的是6.9%的利率。

Espresso

55天的还款期是吧？25K的透支底线？<br>
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俺有个想法大家研究下，要是A和B和C 3人申请3张这个卡。A先取出25K拿来消费，然后在55天内B取出25K还A，然后的55天内C再取25K来还B，然后A再还C，这样做可行否？这样的话，2-3人可以有25K的免利息25K的钱可以周转一辈子了，呵呵，还有积分积累呢。

Duckweed

The interest free is just for purchasing, not for cashing out. Also balance transfer only can be done among your own accounts, I guess

lijun1227

如果要用balance transfer的话，应该申请那些0% for first 6months的，特别是HSBC low rate，那个要到1 Oct 2007.

lijun1227

没有这种好事的。

thewall

... Commonwealth Master, one dollar = one point ... every 100 dollar you spend, you can cash back 1 dollar ... <br>
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... everything lives on for a reason, so are all credit cards ...

markfish

听起来不错！

Duckweed

I just received the card yesterday after work. Just 1 week after I applied for it.It's exactly free for the annual fee. But from the letter attached , cant understand some terms. Such as "Interest Free Period up to 55 days, for Retail Purchases only". First time see anything specified for Retail Purchases only.Another thing is about currency conversion fee, it says"3.3% of transaction amount of which up to 2% of transaction". I'm confused. BTW, do they send paper statement? Cause there is information request fee.I'm completely lost in those clauses. My other credit cards dont have such things specified.

乐天

现在有没有收到卡的阿

xgd

这个链接好像打不开

无极

up

winniw

° A Citibank Credit Cardholder must be a member of the Qantas Frequent Flyer program to redeem Reward points for Qantas Frequent Flyer (QFF) points. A joining fee applies. <br>
是不是说，我一定要申请QFF？ 申请费是多少？<br>
他们也没有介绍那些reward point有什么用，可以换钱？<br>
<br>

Duckweed

I applied one recently followed the link given by LZ, and got approved. But still not received yet, just got an e-mail to say they will send the card shortly. However, I'm not sure whether it is still free of annual fee, cause in the e-mail, they mentioned everything exact the same with that on the web when I applied, except the free annual fee, they said nothing in the e-mail. I will see how's that when I receive the card

armwe

晕倒，要不要先申请一个saving account?

乐天

我申请了一个，到现在也没有收到任何消息，可能已经过期了。

bruceinsydney

我一直想申请一个信用卡，但是我对balance transfer fee 不是很理解，请明白的帮忙解释一下，如果先透支消费，怎么把钱还上，有没有什么费用，谢谢。

空明七心

currency conversion fee换汇费用吧,我记得国内的国际卡在这边用,VISA是收1%, 这个卡本币是澳币的话,我们不用于支付外币应该没有这个收费的吧?哪位高人指点一下

Duckweed

I'm just confused about the rate of the currency conversion fee,what is "3.3%...of which up to 2%", from a higher rate up to a lower rate? Cant understand. Concern about this cause I'm gonna buy something by paying Euro.

乐天

通报：昨天citibank给我公司打电话了，主要就是问你填表的内容。这个链接还是有效的，可能是老外的效率太慢了。

hueofwind

新链接在这里：
http://www.citibank.com.au/cardsoffer/offers/200608_DUP96ZZB.htm
http://www.citibank.com.au/cards ... amp;Silver=E7N2729R

cello

这个deal又有了，推荐一下

amyouioui

终身免年费还有积分，真的不错。谢谢Cello!