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100,000 Spend $7,500 in the first 60 days
Citi Prestige Credit Card
Citi Prestige Credit Card

Citi Credit Cards

Citi Prestige Credit Card

Updated 6 July 2020

The Citi Prestige credit card offer is sure to excite people interested in premium reward offerings. Receive 100,000 bonus Points when you spend $7,500 in the first 60 days from account approval.

Points Earn Rate (per $1 spent)

1 point

Citi

Rewards Program

Citibank Rewards Program

Bonus Points

100,000 pts

Spend $7,500 in the first 60 days

0 points over 12 months spend

My monthly card spend

Pros and cons

  • 100,000 bonus Points when you spend $7,500 in the first 60 days from account approval
  • Earn up to 3 Citi reward Points per $1 spent
  • Uncapped points earning
  • Transfer your Citi reward Points to airline and hotel partners including Virgin Australia Velocity, Emirates Skywards, IHG Rewards Club and Singapore Airlines KrisFlyer
  • One Luxury Airport Transfer in selected cities in Australia up to $100.
  • Enjoy complimentary Priority Pass membership and unlimited lounge visits for you and a guest.
  • 4th night free when you book 4 consecutive nights at a huge range of hotels.
  • 24/7 Personal Concierge
  • Complimentary International Travel Insurance
  • Complimentary bottle of wine when you dine at partner restaurants. T&Cs apply
  • Up to four additional cardholders at no extra cost
  • Save with 0% p.a for 6 months on balance transfers (reverts to cash advance rate). Please note, no interest free days apply to retail purchases while you have a balance transfer.

  • High annual credit card fee of $700 p.a.

Creditcard.com.au review

Editor Review

Citi Prestige Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The Big Review: Citi Prestige Credit Card

Offering an incredible range of prestige features, the Citi Prestige Credit Card certainly lives up to its name. Cardholders can benefit from an extensive array of travel, lifestyle and entertainment perks, while earning up to 3 Points per $1 on their card - and with 100,000 bonus Points now on offer to new applicants, this is most definitely the time to apply.

  • 100,000 bonus Points when you spend $7,500 in the first 60 days from account approval
  • Earn up to 3 Points per $1
  • Ability to transfer Points to Emirates Skywards, Velocity Frequent Flyer and Singapore Airlines KrisFlyer and other international frequent flyer programs
  • Complimentary airport transfer in selected cities in Australia up to $100
  • Unlimited access to more than 1,200 airport lounges worldwide for you and a guest through Priority Pass
  • 4th night free when you book 4 consecutive nights at a huge range of hotels
  • 24/7 Personal Concierge
  • Complimentary insurance cover
  • Complimentary bottle of wine when you dine at partner restaurants. T&Cs apply
  • Up to four additional cardholders at no extra cost
  • Up to 44 days interest free on purchases
  • $700 annual fee
  • Credit limit $30,000 - $100,000
  • Minimum income requirement $150,000 p.a.
  • 21.49% p.a. standard variable purchase rate
  • 22.24% p.a. cash advance rate
  • 0% p.a for 6 months on balance transfers (reverts to cash advance rate). Please note, no interest free days apply to retail purchases while you have a balance transfer.

This Card: The Lowdown

With a high earn rate and no Points cap in place, the Citi Prestige Credit Card is the ideal card for big spenders who want to earn Points aggressively. Cardholders can earn Points on the Citibank Rewards Program, or transfer the Points they earn to other frequent flyer programs, such as Emirates Skywards, Velocity Frequent Flyer and Singapore Airlines KrisFlyer.

Offering an enticing array of travel, lifestyle and entertainment perks, this card is perfect for cardholders who want something extra from their card. And with 100,000 bonus Points currently on the table, this card becomes even more attractive.

What could you get for 100,000 Points?

  • Fancy a trip to Europe? You could fly from Sydney to London Heathrow.
  • Earning points on the Velocity program? Transform those bonus Points into 75,000 Velocity Points.

As a prestige offering providing prestige features, this card has more than its fair share of perks.

  • One Luxury Airport Transfer in selected cities in Australia up to $100.
  • Enjoy complimentary Priority Pass membership and unlimited lounge visits for you and a guest.
  • Get your 4th night free when you book 4 consecutive nights at a huge range of hotels
  • 24/7 Personal Concierge
  • A complimentary bottle of wine when dining at participating restaurants through the Citibank Dining Program. T&Cs apply

This card also offers cardholders peace of mind when they shop and as they travel, with a range of complimentary insurance covers:

  • International Travel Insurance
  • Interstate Flight Inconvenience Insurance
  • Transit Accident Insurance
  • Purchase Cover Insurance
  • Guaranteed Pricing Scheme
  • Extended Warranty Insurance

Digging Deeper

With the basics covered, it’s time to dig a little deeper into what’s on offer with the Citi Prestige Credit Card, so you can decide whether this card is right for you.

This Card: As a Rewards Card

An excellent choice for anyone looking to earn big on their credit card spending, this card has a fantastic earn rate, and no Points cap in place. That means you can earn as many Points as you want each month. You can also earn Points faster, with up to four additional cardholders at no extra cost.

  • Earn 3 Points per $1 spent on eligible international purchases.
  • Earn 3 Points per $1 spent on selected domestic purchases made and booked directly from a range of major: restaurants, restaurant chains, hotel chains and airlines (flights only).
  • Earn 2 Points per $1 spent on selected domestic purchases made at major: supermarkets, petrol outlets and national retailers.
  • Earn 1 Point per $1 on other eligible domestic purchases.

You may have noticed that the highest advertised earn rate favours international spending and travel-related purchases. This is great, as long as you have a considerable overseas spend and you travel extensively. However, it is worth noting that the card attracts a 3.4% foreign transaction fee, which may affect the Points-earning potential on international spending.

What about those 100,000 bonus Points? To be eligible you must apply online and spend $7,500 in the first 60 days from account approval. Your bonus Citi reward Points will be credited within six to eight weeks of meeting the spend criteria.

When it comes to redeeming your bonus Points and the Points you earn, you have a number of options available to you.

  • Redeem Points in the Citi Rewards Store for digital gift cards, flights, merchandise and more.
  • Transfer Points to other frequent flyer programs, including Emirates Skywards, Velocity Frequent Flyer and Singapore Airlines KrisFlyer.
  • Opt for Pay with Points, where you use your points to pay for something and then receive a statement credit.

This Card: As a Travel Rewards Card

With a focus on rewards point earning on international spending and travel purchases, this is a card that rewards the frequent traveller. For that reason, it’s no surprise that the Citi Prestige Credit Card also focuses its features on extras that benefit the frequent traveller as well.

Airport Transfers

No more worrying about the taxi arriving on time or the Uber having enough boot space for your suitcase, with the card’s Luxury Airport Transfer Service, you can arrive at the airport in style. As a cardholder, you can enjoy one complimentary one-way transfer to or from selected Cities in Australia up to $100.

Bear in mind, Luxury Airport Transfer will transport up to 5-7 passengers with 6 suitcases and 4 small bags. Any excess charges beyond the complimentary allowance will be advised to the cardholder upon confirmation of the booking.

Airport Lounge Access

One complimentary digital Priority Pass™ Membership, with unlimited lounge visits, for the primary cardholder is a Special Feature of the Citi Prestige Card. Citi Prestige Credit Cardholders must enrol for the Priority Pass Standard Membership at www.prioritypass.com/prestigeaumc by 31 December 2020. The primary cardholder may bring one guest for free per visit. Any additional guests will be charged directly by the lounge. You will need to download the Priority Pass™ App via the Apple App Store or get it on the Google Play Store to access your Digital Membership Card. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass is available at select airports. For the full list of up to date airport lounges and Priority Pass™ Conditions of Use please refer to www.prioritypass.com along with the Citi Prestige Credit Card Benefit Terms and Conditions for further information.

With complimentary Priority Pass access, this card also makes long airport stays and layovers all the more comfortable, with unlimited airport lounge access for you and a guest. As a cardholder, you will benefit from Priority Pass membership, which not only gives you unlimited lounge benefits, it also provides extra perks such as discounts at airport restaurants.

Stay for Free

Get your 4th free night when you book 4 consecutive nights at a huge range of hotels.

This Card: Extras on Offer

Anything else? Of course, when you pay $700 each year in annual fees, you expect a little more from your credit card. Fortunately, Citi understands this, and offers a selection of additional features to keep even the most discerning cardholder happy.

Personal Concierge

Like most prestige credit cards, the Citi Prestige Credit Card offers a personal concierge service. Available 24 hours a day, seven days a week, the Citi concierge service can assist cardholders with everything from booking flights and hotel accommodation, to making restaurant reservations and offering recommendations on where to go and what to do, no matter where they are in the world.

Complimentary Insurance

Again, similar to other prestige credit card offerings, the Citi Prestige Credit Card provides cardholders with some added peace of mind, in the form of complimentary insurance cover. When flights are purchased with the Citi Prestige Card, cardholders can benefit from protection when travelling with:

  • International Travel Insurance
  • Interstate Flight Inconvenience Insurance
  • Transit Accident Insurance

And when using their card to make a purchase, cardholders have cover in the form of:

  • Purchase Cover Insurance
  • Guaranteed Pricing Scheme
  • Extended Warranty Insurance

Citibank Dining Program Membership

If you love wining and dining, the Citibank Dining Program could be very beneficial indeed. Every time you dine at a participating restaurant, you can enjoy a free bottle of wine, just like that. All you need to do is mention you're a Citi cardholder at partner restaurants, choose your free bottle of wine from the Citibank selection, and pay for your meal with your Citi card. T&Cs apply.

There are hundreds of partner restaurants to choose from, from your favourite restaurant in the next suburb, to some of Australia's best-loved, hatted restaurants. There, you can choose from award-winning wines sourced from McWilliam's Wines Group, one of Australia's most respected family-owned wineries. To find your nearest partner restaurant, visit the Citibank Dining Program website at CitibankDining.com.au.

This Card: The Essentials

Now we’ve gone over all the fun stuff, it’s time to get into the not-so-fun stuff. To be eligible to apply for this card, you must be 18 years or older and an Australian resident, and you must earn more than $150,000 per year. Also know that the card has a minimum credit limit of $30,000 and a maximum credit limit of $100,000.

As for the card’s annual fee, this is significant. You will pay $700 per year in annual fees, but, it is worth thinking about all the extras you get for that payout. If you are a big spender, you may easily get that value back in rewards, plus, you can enjoy the vast range of features the card has to offer.

However, to make it all worthwhile, you will need to pay off your balance in full before interest starts accruing. With a high standard purchase rate, this card will make all those rewards, features and extras null and void if you carry a balance month-to-month.

Decision Time

With so much on offer, the Citi Prestige Credit Card is a very appealing card indeed. Big spenders can earn big on rewards, with 100,000 bonus Points making the deal even sweeter. And, if you like a little extra from your credit card, this Citi offering has more features and perks than you’ll know what to do with, including airport lounge access and transfers, hotel stays and plenty of lifestyle extras.

User reviews

Citi Prestige Credit Card ( based on 6 Creditcard.com.au user reviews )

82% rating based on 6 reviews

Rates
Fees
Rewards
Customer Service
Value
47%

Creditcard.com.au Visitor

13 April 2013

The rewards program is great I recently spent 12k aud in New Zealand which earned 72000 points I converted 75000 points at the divide by 1.5 ratio into into kris flyer 50000 miles which I can use for air New Zealand or virgin rewards it costs 35000 miles to fly return business class Sydney to Auckland. Now the bad news despite paying 700 per year you still get answered by those super friendly offshore call centres that look after the people with student Visa cards Citibank should have this type of client talking to on shore people same as st George do

Does not recommend this card

Rates and fees

Interest rates



Purchase rate 21.49% p.a.

Cash advance rate 22.24% p.a.

Interest free period on purchases up to 44 days

Balance transfer

Balance transfer rate 0% p.a. for 6 months

Balance transfer revert rate 22.24% p.a.

Balance transfer from personal loan Yes

Balance transfer fee No fee

Balance transfer limit 80% of approved credit limit

Banks you can't balance transfer from Citi

Credit limits

Minimum credit limt $30,000

Maximum credit limit $100,000

Fees & repayments

Annual fee $700 p.a.

Additional card holder fee Up to 4 at no extra cost

Foreign transaction fee 3.4%

Minimum repayment Whichever is greater: $30; or 2% of Card Balance; or The sum of 1.00% of the Card Balance, Late Payment Fee (if any) and interest charged for that month, plus any Monthly Instalment for that month

Cash advance fee 3.5%

Late payment fee $30

Rewards and points

Rewards program

Rewards Program Citibank Rewards Program Citibank Rewards Program

Bonus points 100,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $7,500 in the first 60 days

Earning points with this card

Citi Rewards points 1 point per $1 spent

Points cap per month N/A

Overseas earn rate 3 points per $1 spent

Additional features

Complimentary insurance

International Travel Insurance Yes

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No

Extras

Enjoy complimentary Priority Pass membership and unlimited lounge visits for you and a guest.

One Luxury Airport Transfer in selected cities in Australia up to $100

Overview

Citi Prestige Credit Card

You can earn 3 Points per $1 for all eligible International Spend and 3 Points per $1 for selected domestic purchases made and booked directly from a range of major: restaurants and restaurant chains, hotel chains and airlines. For other Points earn rates, you can also receive 2 Points per $1 on selected domestic purchases made at major: petrol outlets, supermarkets and national retailers and 1 Point per $1 spent everywhere else on domestic Eligible Transactions.

Key features

  • Earn up to 3 Points per $1 spent on selected purchases, uncapped
  • Receive 100,000 bonus Points when you spend $7,500 in the first 60 days from account approval
  • Complimentary airport transfer and unlimited lounge access
  • 4th night free when you book 4 consecutive nights at a huge range of hotels
  • Enjoy complimentary Priority Pass membership and unlimited lounge visits for you and a guest
  • 3 Points per $1 for all eligible International Spend
  • 3 Points per $1 for selected domestic purchases made and booked directly from a range of major: restaurants and restaurant chains, hotel chains and airlines
  • 2 Points per $1 for selected domestic purchases made at major: petrol outlets, supermarkets and national retailers.
  • 1 Point per $1 spent everywhere else on domestic Eligible Transactions
  • Personal concierge service
  • International Travel Insurance
  • Purchase Cover Insurance and Extended Warranty

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian resident

  • Minimum income of $150,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

57 questions (showing the latest 10 Q&As)

Arvind

Arvind

20 June 2020
Can the annual card fee be refunded or waived if a certain amount of money such as $20,000 be spent using the credit card per annum?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 June 2020
    Hi Arvind, not at the moment. I have the Citi Prestige myself and have never received any annual fee discount.
Angelique

Angelique

16 December 2019
Hi there, Im looking at this card with the primary reason to collect as many skyward points as possible. I travel with 3 kids to Europe every year and would love free lounge access. we spend approx 100k per year. Do you recomend the prestige card or the emirates card? Can i transfer the 150,000 bonus points to 150,000 skyward miles? Thank you
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 December 2019
    Hi Angelique, Citi are coming back into market with the Prestige early in January. This is definitely the better earner and I have this card myself. The transfer rate currently on the Prestige is 2.5 Points = 1 Skywards Miles. That would make the 150,000 Citi points worth 60,000 Skyward Miles.
Kell

Kell

25 November 2019
Thank you Roland …. I have looked at the AMEX Qantas Ultimate card … May I also make a suggestion ….. if Citibank are no longer doing the ' Prestige credit card ' anymore for New Customers … they need to put that on their website … Many thanks ….
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 November 2019
    Hi Kell, As I stated before, its in unknown territory. They are making changes and we will see if it comes back. They have removed the ability to apply on their website at this time.
Kell

Kell

25 November 2019
Many thanks for your prompt reply and recommendation …. We are after a credit card with Bonus points and unlimited points that do not expire and are linked to Qantas … I will keep looking …. Thank you …..
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 November 2019
    Highest points earning uncapped at max rewards rate is the American Express Qantas Ultimate. The Qantas Premier is uncapped but drops to 0.5 earn rate post 10k. I am not aware of any Visa/Mastercard that are uncapped at max rate.
Kell

Kell

25 November 2019
Hi Roland, We were recently recommended to apply for the Citibank Prestige credit card by a current card holder …. I note your reply message to William on the 25.10.19 - Saying it has been discontinued to New Customers ?? Will Citibank be re-opening the Prestige to New Customers in the coming month or so ?? If not, do you have another card that you would recommend that has the similar Qantas Reward offers ?? Many thanks …..
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 November 2019
    Hi Kell, its unlikely that Citi will open up the Prestige again for new application over the coming months. I am not sure what they are going to do. They are looking to remove some features. Post this then they might look at it. I'm not completely sure they will bring it back. How much do you spend on the card a month (avg). Then I can suggest one that earns Qantas Points. I like the Qantas Premier (10k points cap then reduced from 1 to 0.5 per $1). Good bonus points and few other features if you use Qantas.
William

William

25 October 2019
I heard recently that this card has not be discontinued by Citi Australia. Is this true?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 October 2019
    Hi William, as far as I know they are not accepting new applications for this card. Though I have not heard of them removing the card from current holders. I myself have the Citi Prestige card still at this time.
Tina

Tina

22 August 2019
My primary income is $148K and secondary income is $5K which totals $153K per annum. Am I eligible to apply for Prestige card.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 August 2019
    Hi Tina, yes, it sounds like you meet the minimum income requirement of 150k a year to apply. Best of luck with your application.
rex

rex

18 July 2019
with the priority pass, can I take my family in? is there a limitation on the numbers? (i've got 4 kids)
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 July 2019
    Hi Rex, looking at the information from Citi. As a Citi Prestige primary cardholder, you are entitled to a complimentary Priority Pass membership with unlimited airport lounge access for you and a guest. It does not reference that children are free. Checking some information on the web. Most PP lounges that I've visited don't charge for children 2 years of age (or under) to visit when with an adult has admission privileges via PP. But for children that are 3 or 4 years or older, you are at the mercy of the lounge attendants on whether they will charge for the additional guest or not. I would reach out to priority pass to confirm.
sonia

sonia

17 June 2019
I was ln the middle of the application and I was logged out
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 June 2019
    Hi Sonia, sorry to hear that. It's likely that the application data would have been lost and you will have to go through it again. It should take 10-15 mins to complete if you have all the information required. You could call Citi credit card customer service and see if they can retrieve the previous attempt. 1300 369 797. Best of luck with your application. I myself have a Citi Prestige card and enjoy the benefits. Just make sure you take advantage of all the features of the card possible. This will give the best value for the annual fee.
Kevin

Kevin

26 April 2019
Hi does the citi prestige card cover excess on car rental overseas ? I see here it says no but when I look at the insurance of the card it says it does up to $2650.. can you shed some light on this thank you
Steve Whitelock

Steve Whitelock

23 April 2019
What is the cost ( No of points) to transfer Citi points to say Virgin Frequent Flyer
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 April 2019
    Hi Steve, 2:1, so 2000 Citi points converts to 1000 Velocity Points.
peter pantges

peter pantges

28 March 2019
can I upgrade my emirates world credit card to the Citibank prestige visa card and what will the annual fee be for the 1st year.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 March 2019
    Hi Peter, this should be possible. Though its likely you will need to apply separately. There is no automatic upgrade path for Citi card products. You are likely not to receive a discount on annual fee. Thus the first year annual fee would be $700. I have the Citi Prestige card myself and like the flexibility to move the points to a range of partners inc Emirates.
Keith Jones

Keith Jones

9 July 2018
Is the Priority Pass Card unlimited visits?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 July 2018
    Hi Keith, there are different levels. With the Citi Prestige you get unlimited airport lounge access for you and a guest with the complimentary Priority Pass. Grabbing the terms: One complimentary Priority Pass™ Membership, with unlimited lounge visits, for the primary cardholder is a Special Feature of the Citi Prestige Credit Card. Citi Prestige Credit Card cardholders must enrol for the Priority Pass Standard Membership. The primary cardholder may bring one guest per visit. Any additional guests will be charged directly by the lounge. Once you have enrolled, please allow up to 15 working days for your Priority Pass card to arrive in the mail. Unused visits cannot be carried forward to the following membership year. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass is currently available at Cairns, Darwin and Brisbane International Airports and Sydney Kingsford Smith. For the full list of up to date airport lounges and Priority Pass™ Conditions of Use please refer to www.prioritypass.com.
Colin Canning

Colin Canning

4 May 2018
These points are they Qantas ff points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 May 2018
    Hi Colin, if you apply for the Citi Qantas Prestige Card then you can earn Qantas points. These points are standard Citi points. Citi points can be transferred to a range of airline partners (not including Qantas). For example, Velocity at 2:1, thus the bonus points would equal 75,000 Velocity points.
Elliott Coyne

Elliott Coyne

27 April 2018
Hi there. I already have a Citibank Signature Rewards Cards. If I were the cancel that, how long would I have to wait before applying for this card and being eligible for the points? Thank you
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 April 2018
    Hi Elliot, this is confusing. Typically it would be between 12-18 months. When I look at the terms on the page for the points though it does not mention that you need to be a new Citi credit card customer. This could mean that you are eligible for the points if you apply, are approved and meet the spend requirement. I would touch base with Citi customer service to confirm. Here is the terms: To earn 150,000 bonus Citi Rewards Points, you must apply for a Citi Prestige credit card by 30 June 2018, then spend $3,000 on your card within 90 days of approval. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. The bonus Citi Rewards Points will be credited within 6 - 8 weeks of meeting the spend criteria. All rewards are subject to the Terms and Conditions of the Citi Rewards Program. Please note that if have a balance transfer, you will be charged interest on any spend that you make. This offer is valid until 30 June 2018. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.
Umair

Umair

20 April 2018
I am searching a visa infinite card , which is best offer in the category?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 April 2018
    Hi Umair, the Citi Prestige is the only Visa Infinite status card in Australia that I am aware of. I think most of the other premium are Visa Signature. I myself have the Citi Prestige credit card in my wallet.
Neil Feller

Neil Feller

5 March 2018
If I spend $3000 on March 6th,... 1. How fast would the 150,000 points be credited to my Qantas account. 2. And how fast could I then cancel the card ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 March 2018
    Hi Neil, these are custom Citi points, rather than Qantas points. They can be transferred to Velocity and a number of other programs so this card might not be suitable. The bonus Citi Rewards Points will be credited within 6 - 8 weeks of meeting the spend criteria. You would lose the points if you cancelled your card. Though you could transfer them out to another program. Pay the card off and cancel at any time it is a $0 balance. The AMEX Qantas Ultimate may be more suitable as it has 100k Qantas Bonus points available. These bonus points would be credited 8-10 weeks after the spend has been met. I recently applied and was approved for the Qantas Ultimate.

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