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Our choice for the best Citi credit card is the Citi Double Cash Card. It earns unlimited 2% cash back, has no annual fee, and offers 18 months of no-interest. In its review, which focused on competition in the supply of credit cards, the ACCC found that the transaction "would not substantially. Get an $879 premium tablet when you sign up and start a private wealth relationship.

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Best Citi Credit Cards Of November 2021

Best Citibank Credit Cards

Best Targeted Cash Back

Citi Custom Cash℠ Card

Up to 5X Reward Rate

5% cash back on up to $500 in purchases in your top eligible spend category each billing cycle. All otherRead More

Regular APR

13.99% – 23.99% (Variable)

Credit Score

Excellent, Good (700 - 749)

Why We Picked It

The Citi Custom Cash is a great option for people looking to maximize cash back rewards without having to worry about activating or selecting bonus categories.

Pros & Cons

  • No registration required to earn bonus rewards
  • Cash back categories are unique categories that other cards may not offer bonus rewards for
  • Introductory APR on purchases and balance transfers
  • No annual fee
  • High balance transfer fee
  • High foreign transaction fee
  • Eligible bonus cash back categories are limited

Card Details

  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.

Best For Low Intro APR

Citi® Diamond Preferred® Card

Regular APR

13.74% - 23.74% (Variable)

Credit Score

Excellent, Good (700 - 749)

Why We Picked It

Those looking to consolidate debt and pay it off over time will appreciate the long introductory offer on balance transfers. A $0 annual fee further enhances its frugal appeal. On the downside, this card is light on perks and comes with a heavy balance transfer fee.

Pros & Cons

  • $0 fee
  • 0% intro APR for 21 months on eligible balance transfers from the date of the first transfer and 0% intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 13.74% - 23.74% based on your creditworthiness. Balance transfers must be completed within 4 months of account opening. There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • $0 liability on unauthorized purchases, travel and entertainment benefits
  • 3% foreign transaction fee
  • No welcome bonus or rewards program
  • High variable APR when introductory period ends

Card Details

  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 13.74% – 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% – 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Www citi com creditcards discretion.

Best for Costco Shoppers

Costco Anywhere Visa® Card by Citi

Up to 4X Reward Rate

Earn 4% www citi com creditcards eligible gas, including gas at Costco for the first $7,000 per year and then 1% thereafter; EarnRead More

Regular APR

15.24% variable

Credit Score

Excellent (750 - 850)

Pros & Cons

  • High rewards rates in bonus categories
  • No foreign transaction fee
  • Use the Costco Anywhere Visa card as your Costco membership ID
  • Requires an active Costco membership
  • Rewards redemption is via an annual certificate only valid at Costco
  • Certificate expires at year-end

Best Flat-Rate Cash Back

Citi® Double Cash Card

Up to 2% Reward Rate

First, you earn 1% unlimited cash back on every purchase you make. Then, as you pay for those purchases, youRead More

Regular APR

13.99% - 23.99% (Variable)

Credit Score

Excellent, Good (700 - 749)

Why We Picked It

The Citi Double Cash card's simple cash back structure and long lasting APR offer make the Citi Double Cash a favorite among those who want to set it and forget it. It offers a solid cashback rate on all purchases, plus a long-lasting 0% intro APR offer, all without an annual fee.

Pros & Cons

  • Earn up to 2% cash back—1% when the purchase is made and 1% when payment is made on the account
  • No cash back cap—no limit on the amount of cash back that can be earned
  • No annual fee
  • Introductory APR period for balance transfers
  • Foreign transaction fee
  • Balance transfer fee
  • Lack of benefits seen in other no annual fee cards
  • No introductory 0% APR on purchases

Card Details

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional interest rate for houses today as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Meredith village savings bank alton nh Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Best for Unique Earning and Redeeming Structure

Citi Rewards+® Card

Up to 2X Reward Rate

Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.Read More

Welcome Bonus

20,000 points

Regular APR

13.49% - 23.49% (Variable)

Credit Score

Excellent, Good (700 - 749)

Why We Picked It

The Citi Rewards+® Card is an intriguing option as an everyday card for small purchases. In terms of rewards earnings, Citi rounds up all purchases to the next 10 points. Meaning, that a $3 purchase will earn 10 points. Earn additional rewards with a 10% redemption bonus each year (on up to 100,000 redeemed points) plus an increased earning rate on supermarkets and gas spending up to the annual $6,000 cap— with no annual fee.

Pros & Cons

  • All purchases rounded up to the nearest 10 rewards points.
  • 10% points bonus added to the first 100,000 points redeemed annually.
  • No rotating categories to manage.
  • Foreign transaction fee.
  • Potentially high APR depending on your creditworthiness.
  • High balance transfer fee
  • Annual $6,000 spending cap on 2x points category.

Card Details

  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% – 23.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% – 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Best Annual Fee Rewards Earning

Citi Premier® Card

Up to 3X Reward Rate

Earn 3 points per dollar at restaurants, supermarkets, gas stations, hotels and air travel. 1 point per dollar on allRead More

Welcome Bonus

80,000 Points

Regular APR

15.99% - 23.99% (Variable)

Credit Score

Excellent, Good (700 - 749)

Why We Picked It

With 3 points earned per $1 spent on many travel staples and at gas stations, the Citi Premier Card could be a perfect fit for road warriors and frequent travelers. The card's high APR and lack of an intro APR offer make it a poor choice for anyone looking to carry a balance.

Pros & Cons

  • No foreign transaction fee
  • No blackout dates
  • Flexible travel redemption options
  • Add authorized users for no additional cost
  • High regular APR
  • High penalty APR
  • $95 annual fee with no first-year waiver
  • No intro APR offer

Card Details

  • Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

TIE Best Low Intro APR Card

Citi Simplicity® Card *

Regular APR

14.74% - 24.74% (Variable)

Credit Score

Excellent, Good (700 - 749)

Why We Picked It

The Citi Simplicity Card offers a very long intro APR offer for balance transfers, with the catch that each transfer incurs a 5% fee ($5 minimum). You'll also get a long intro APR offer on purchases. However, there is no rewards program nor any welcome bonus, making this truly a "simple" card for those looking to hold a balance for a long period of time.

Pros & Cons

  • No late fees
  • No penalty APR
  • No annual fee
  • Intro APR offer on purchases and balance transfers
  • Purchase protection
  • High regular APR
  • No rewards program

Card Details

  • No Late Fees, No Penalty Rate, and No Annual Fee… Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 14.74% – 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 14.74% – 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

Best Secured Card

Citi® Secured Mastercard®

Regular APR

22.49% (Variable)

Credit Score

New to Credit

Why We Picked It

The Citi® Secured Mastercard® is a no-frills option that can help build credit over time. It has no rewards, but also none of the excessive up-front or annual fees charged by many other secured cards. Pay on-time for 18 months, and you may be upgraded to an unsecured card. Steer clear of holding a balance to avoid the high APR.

Pros & Cons

  • No annual, monthly or setup fees
  • Secured credit lines from $200 to $2,500
  • High regular and penalty APR
  • Foreign transaction fee
  • High cash advance fee
  • Cannot have filed for bankruptcy within the past 2 years

Card Details

  • The Citi® Secured Mastercard® is a no annual reliacard customer service hours credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also www citi com creditcards free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.
  • The standard variable APR for Citi Flex Plan is 22.49%. Citi Flex Plan offers are made available at Citi’s discretion.

Best Mid-Range American Airlines Card

Citi® / AAdvantage® Platinum Select® World Elite Mastercard® *

Up to 2X Reward Rate

Earn 2X AAdvantage® miles for every $1 spent on eligible American Airlines purchases; Earn 2X AAdvantage® miles at restaurants andRead More

Welcome Bonus

50,000 miles

Regular APR

15.99% - 24.99% (Variable)

Credit Score

Excellent, Good (700 - 749)

Why We Picked It

For American Airlines frequent fliers, this card brings a nice set of perks and a strong welcome bonus. The miles you can earn on American Airlines, gas and restaurant purchases can easily justify the annual fee - so long as you don't carry a balance on this high APR card.

Pros & Cons

  • Free checked bag for you and up to four companions on domestic American Airlines flights
  • Preferred boarding privileges
  • No foreign transaction fees
  • No limit on mileage earnings
  • Lackluster ongoing rewards
  • First checked bag free perk not applicable for international flights
  • Doesn’t have other perks like lounge access or travel protections

Card Details

  • Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card
  • No Foreign Transaction Fees
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
  • Enjoy preferred boarding on American Airlines flights
  • The standard variable APR for Citi Flex Plan is 15.99% – 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Best No-Annual-Fee American Airlines Card

American Airlines AAdvantage MileUp℠ Card

Up to 2X Reward Rate

Earn 2X AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services; Earn 2X AAdvantage® miles onRead More

Welcome Bonus

10,000 AAdvantage® bonus miles and a $50 statement credit

Regular APR

15.99% - 24.99% (Variable) APR on purchases and balance transfers

Credit Score

Excellent, Good (700 - 749)

Why We Picked It

This card makes sense for a narrow range of people: Casual AA fliers seeking a no-annual-fee card with moderate rewards and with no need to carry a balance. To maximize rewards earnings, spend on AA purchases and groceries to score 2x miles. The 3% foreign transaction fee and a lack of perks will turn off frequent international travelers.

Pros & Cons

  • No annual fee
  • Earn unlimited miles
  • 25% discount on in-flight purchases
  • Earn 2 miles per dollar on groceries and AA purchases
  • 3% foreign transaction fee
  • Lackluster travel perks
  • Blackout dates apply to some redemptions

Card Details

  • Earn 10,000 American Airlines AAdvantage® bonus miles and a $50 statement credit after spending $500 in purchases within the first 3 months of account opening
  • 2x AAdvantage miles per $1 at grocery stores, including grocery delivery services, 2x AAdvantage miles per $1 on eligible American Airlines purchases and 1x AAdvantage mile per $1 on all other purchases
  • $0 annual fee
  • 25% savings on inflight food and beverage purchases on American Airlines flights when card is used

Best American Airlines Card for Lounge Access

Citi® / AAdvantage® Executive World Elite Mastercard®

Up to 2X Reward Rate

Earn 2X AAdvantage® ottos ofb for every $1 spent on eligible American Airlines purchases; Earn 1X AAdvantage® miles on other purchases

Welcome Bonus

50,000 miles

Regular APR

15.99% - 24.99% Variable APR on purchases and balance transfers

Credit Score

Excellent, Good (700 - 749)

Why We Picked It

For the AA frequent flier who will use the complimentary Admirals Club lounge access, this alone more than offsets the annual fee. Considering that all authorized cardholders are eligible, this can be an incredible value. Extra perks such as VIP check-in, priority boarding, concierge service, and free checked bag sweeten the deal.

Pros & Cons

  • Free checked bag on domestic American Airlines flights for up to 8 companions on the same reservation
  • Up to 10 authorized users receive Admirals Club® lounge access when flying on American Airlines
  • High annual fee with no first-year waiver
  • Blackout dates apply in some cases
  • Lackluster rewards rates
  • Requires excellent credit

Best for AT&T Groupies

AT&T Access Card from Citi

AT&T Access Card from Citi

Up to 2% Reward Rate

Earn 2 ThankYou points per dollar spent at AT&T, eligible online retail and travel websites. 1X Point on Other Purchases

Welcome Bonus

10,000 Points

Regular APR

13.99% - 22.99% Variable APR on purchases and balance transfers

Credit Score

- (No Credit History)

Why We Picked It

Pros & Cons

  • Earn 2 ThankYou points per dollar spent at AT&T, eligible online retail and travel websites
  • Earn a 10,000 ThankYou point welcome bonus after $1,000 in purchases within 3 months of account opening
  • Choose your payment due date
  • Compatible with mobile wallets, including Apple Pay and Google Pay
  • Contactless, tap-to-pay payment
  • No annual fee
  • Category bonuses could be more generous
  • No premium features, such as mobile phone protection

Card Details

  • Earn 10,000 Bonus ThankYou® Points after making $1,000 in purchases within 3 months of account opening
  • 13.99% – 22.99% Variable APR on purchases and balance transfers
  • No annual fee

Best Airline Business Card

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Up to 2X Reward Rate

Earn 2X miles for every $1 spent on cable and satellite providers and on select telecommunications merchants; Earn 2X milesRead More

Welcome Bonus

65,000 American Airlines AAdvantage® bonus miles

Annual Fee

$99, waived for first 12 months

Regular APR

15.99% - 24.99% (Variable)

Credit Score

Excellent (750 - 850)

Why We Picked It

Small businesses who travel frequently on AA will love the perks that come with this card.

Pros & Cons

  • Excellent travel perks with AA
  • Large network of partner airlines via OneWorld Alliance
  • No foreign transaction fee
  • No intro APR offer
  • Doesn’t give access to American Airlines’ Admirals Club airport lounges
  • $99 annual fee (waived first year)

Card Details

Источник: https://www.forbes.com/advisor/credit-cards/best/citibank/

Filter cards by category

BEST FOR CASH BACK + SIGN-UP BONUS

Citi Custom Cash℠ Card

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of walmart optometrist near me scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

Apply now at Citi's secure site

Rewards rate

5%
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
1%
Earn unlimited 1% cash back on all other purchases.

At A Glance

Intro bonus
$200 Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Annual fee
$0

Regular APR
13.99% - 23.99% variable

Recommended credit
670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or First national bank of elmer routing number odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

Citi® Double Cash Card

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

Apply now at Citi's secure site

Rewards rate

2%
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

At A Glance

Intro bonus bank of america check deposit
No current offer

Annual fee
$0

Regular APR
13.99% - 23.99% (Variable)

Recommended credit
670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Www citi com creditcards, or Poor odds of being approved for cards on our site. Approval Odds bank of the pacific raymond as a guide to help you find the right credit card and will never affect your credit score.

BEST FOR 0% INTRO APR + LOW FEES

Citi Simplicity® Card

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

Apply now at Citi's secure site

Rewards rate

This card doesn't offer cash back, miles, or points

At A Glance

Intro bonus
No current offer

Annual fee
$0

Regular APR
14.74% - 24.74% (Variable)

Recommended credit
670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

More Cards from Citi

Citi Premier® Card

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

Apply now at Citi's secure site

Rewards rate

3X
Earn 3 Points per $1 spent at Restaurants and Supermarkets
www citi com creditcards 3X
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
1X
Earn 1 Point per $1 spent on all other purchases

At A Glance

Intro bonus
80,000 points Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Annual fee the master system key
$95

Regular APR
15.99% - 23.99% variable

Recommended credit
670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
Источник: https://www.creditcards.com/citi/

Sims says nod for NAB-Citi deal no precedent

“We would definitely have concerns if second tier players were taken out by the big banks.”

Scrutiny could also extend to opportunistic takeovers of fintech start-ups, the ACCC chairman added.

“If all fintech got bought out by the big four banks, then we have lost the advantage of fintech, the potential it would bring for competition. If you have a start-up that looks like it has got something that the market really appreciates, that is when we would have concerns – but there are a lot of judgment calls in that.”

NAB is still waiting for approvals from Treasurer Josh Frydenberg and the Australian Prudential Regulation Authority before it can complete the Citi deal, which it expects to occur in the first half of calendar 2022.

NAB chief executive Ross McEwan said the bank would continue to engage with the other regulators to get the deal through. “The planned acquisition is an exciting opportunity for us to further build market leading customer experiences in what is a very competitive market,” he said.

Mr Sims said the ACCC said was “very concerned to ensure that mergers in the financial industry do not limit the competitive constraint provided by providers outside of the major four banks”. But he said that in this case of NAB’s Citi acquisition, it “did not consider there would be a substantial impact in any market”.

The ACCC investigated the impact of the Citi deal on the market for ‘white label’ credit card services.

NAB will become the dominant supplier of credit cards to other companies when the deal completes, given Citi’s clients include Bank of Queensland, Coles, Suncorp, Virgin Money, Qantas, IMB Bank, Auswide Bank and Kogan.

But NAB’s own credit cards will compete with these players in the consumer-facing credit card market, which raised some concerns for the regulator.

The ACCC said it had considered whether NAB might offer less favourable terms to the white-label partners – including the smaller banks – to drive business to its NAB-branded credit cards.

But it ultimately found NAB “would be unlikely to have an incentive to act in that way”.

This was due to the need for what banks can you open a checking account online in white-label operations, the likelihood any restrictions would drive customers to non-NAB cards, reducing profits, and the potential for partners to invest in their own card issuing platforms is they did not like how NAB was managing the offering.

NAB’s $1.2 billion purchase of Citigroup’s Australian consumer business will see it take on $8 billion of mortgages, $9 billion of deposits and $3.7 billion in credit card balances.

Despite the increasing use of buy now, pay later services like Afterpay and Zip, Mr Sims said credit cards “will continue to be an important product for consumers”.

James Eyers writes on banking, fintech and technology. Based in our Sydney newsroom, James is a former Legal Affairs and Capital editor for the Financial Review Connect with James on Twitter. Email James at [email protected]

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Источник: https://www.afr.com/companies/financial-services/nab-gets-the-accc-s-nod-to-buy-citi-s-consumer-bank-20211125-p59c0i

ACCC gives green light to NAB’s Citi acquisition

The National Australia Bank is set to become the country’s second largest credit card provider, after the consumer watchdog waved through its $1.2 billion planned acquisition of Citi’s retail banking business.

NAB announced in August it had reached a deal to buy Citi’s Australian consumer business, which owns 9 per cent of the country’s credit cards, has a small mortgage book and around $9 billion in deposits. While the deal is subject to a number of regulatory approvals, the Australian Competition and Consumer Commission (ACCC) announced on Thursday it will not oppose the acquisition – a key regulatory hurdle to finalising the deal.

The takeover will almost double NAB’s market share in the credit card market, from 12 per cent to 21 per cent, making it the second largest provider behind the Commonwealth Bank which controls 23 per cent of the market, Westpac which controls 18 per cent and ANZ, which controls 15 per cent.

Citi is a major provider of white-labelled credit cards to a range of large non-bank companies including Qantas, Coles, Emirates and Kogan, which competition tsar Rod Sims said he was initially concerned by. However, the ACCC has now completed a three-month review of the deal, in which it interviewed around payment methods wayfair market participants. Mr Sims said he is satisfied there will be no impact to competition.

“I certainly thought there was an issue when it walked through the door, I expressed concerns at the beginning,” Mr Sims said. “But the beauty of doing the analysis and the work, when you find out more information, you change your mind. I could look anyone in the eye and say this one is fine. We did a lot of work, having done that work, in our view there’s nothing to see here.”

Mr Sims said non-bank companies regularly review whether it is cheaper to self-supply credit cards rather than using Citi’s white-labelled service, adding if NAB hiked rates these companies would simply seek a better deal elsewhere. “In the end, that was the critical issue,” he said. “The non-banks who use white-label cards were not complaining.”

The deal comes as the major banks face increasing pressure from the emergence of fintechs and buy-now-pay-later (BNPL) firms, which Mr Sims said formed the backdrop to the ACCC’s review but did not inform the decision.

“Buy-now-pay-later has come along very quickly, and grown very quickly. It’s coming from nothing to something very big, very quickly. What comes up quickly can go down quickly,” Mr Sims said. “We did think about that. But in the end that didn’t form part of the reason.”

Morningstar analyst Nathan Zaia said demand for credit cards was on the decline but the Citi acquisition will put NAB in a prime position to respond to shifting consumer demand. “The banks will adapt their offerings to what the customers want. If it is more BNPL, no fee cards, the banks will still have a role to play in that credit card space, it might just not be the traditional card that we’re used to.”

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If the deal is approved, around 800 Www citi com creditcards staff will join NAB, which Mr Zaia said creates additional benefits. “Citi’s focus was on the personal lending space, they might bring in new insights or process improvements that you might get when you bring in another business.”

NAB chief executive Ross McEwan welcomed the ACCC’s decision, as the bank works its way through the regulatory approval process. “The planned acquisition is an exciting opportunity for us to further build market leading customer experiences in what is a very competitive market,” Mr McEwan said.

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Источник: https://www.smh.com.au/business/banking-and-finance/accc-gives-green-light-to-nab-s-citi-acquisition-20211125-p59bzq.html

Enroll in Paperless Statements and Letters

To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. If you do not wish to enroll, choose Cancel and deselect the Paperless Statements and Letters checkbox.

Enrollment in Credit Card Paperless Statements and E-Communications

We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. why is td ameritrade stock down mailbox and your email inbox for legal notices.

To receive your legal notices electronically, your computer must be capable of printing or storing email, web pages and documents in PDF format and your browser must meet minimum system requirements.

Minimum System Requirements

Your privacy and security are important to us. That is why we require you to use a browser with 128-bit security encryption to proceed with your application. This protection helps to ensure that the information you send and receive will remain confidential.

Getting Paper Copies

If you choose to receive legal notices and statements electronically and then want a paper notice, call us at the number on the back of your card and we will mail it to you.

Cancelling Paperless Statements and E-Communications

You may cancel through account online or by calling us at the number on the back of your card.

Updating Email Address

We will send notifications regarding the availability of your statement online and legal notices to the email address you provided to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on the back of your card.

Credit Card Paperless Statements and E-Communications Authorization

I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically.

You will receive paperless notifications at the email address currently associated with your account.

Источник: https://citiretailservices.citibankonline.com/RSnextgen/svc/launch/index.action?siteId=PLCN_BESTBUY

Login to Citi Card: online Banking, Mortgages, Personal Loans, Investing

Citi card Login - A quick registration and login to Www citi com creditcards Card guide for beginners

If you have applied for a Citi bank credit card and you are lucky enough to get your card request approved, then the first thing that you might be interested to know is how to get that card activated. But prior to that, you must learn how to set up an account for a Citi card and then complete the Citi card login process. So, the given article will explain to you the complete details on getting started with a Citi card.

By logging in, you can easily manage your Citi card account and do the things that you wish to do. From their official website i.e. https://www.citi.com/, you can easily go ahead with using your card. By using this link, you can easily manage your credit card account without having to visit the bank branch and taking anybody's help. With this online login to citi card account, you can make payments of your credit card, check your recent activities, and do much more.

Advantages of Citi bank cards

  • These cards are available in different variants

  • With these cards, you also get the travel benefits

  • You can earn various rewards as well as get shopping benefits

  • These cards have $0 Liability on Unauthorized Charges

  • With your credit card account, you can get Paperless Statements and involve in e-communications

  • There are a variety of cards for dining and entertainment

  • In addition to the benefits mentioned above, you also get other benefits about which you can get to know from the Citi Customer Service

The complete Citi card application process

To log in to the Citi card, you first need to create an account and apply for the Citi cards. Post this you will be able to access your account from the Citi card login page. So, if you do not know the application process, then you can follow the steps that are listed below:

  1. At first, you need to go to https://www.citi.com/credit-cards/compare/view-all-credit-cards

  2. Scroll down and decide on one card that you need to apply for

  3. Next up, you need to click on the "Learn More & Apply" "login to citi card" option

  4. After reading more about your preferred card, scroll down at the bottom

  5. And then, click on the "Apply Www citi com creditcards option

  6. Now, provide details such as Membership number, name, address, SSN, etc.

  7. After providing the requested details, click "Agree & Submit"

The Citi card account creation process

Here are the steps that you need to follow the sign up for a new Citi card account:

  1. At first, you need to go to the www.citicards.com/login page

  2. Here, you need to click on the "Register now" option

  3. Now, provide the request data in the Citi card registration form

  4. After filling in these details, create the Citi Costco card login username and password

  5. This completes the account registration process

The Citi Costco credit card login process

To sign in and manage your credit card, you need to follow the steps that are mentioned below:

  1. From a trusted browser, go to https://www.citi.com/credit-cards/citi-costco-anywhere-visa-credit-card

  2. Here, you need to enter your User ID first

  3. After this, enter the Citi card Login password

  4. Hit the "Login" button and you will be redirected to the account dashboard

This is all you need to do to manage your Citi card account at https://www.citibank.ru/russia/services/eng/cbol.htm. Followed by this, now we shall learn a few important details about the Costco Citi card login password reset procedure.

Resetting Citi card account password

In case you could not recall your Citi card login password, then you can follow the steps that are listed below: "login to citi card"

  1. The first step here you need to take is to go to the login page

  2. Here, make a click on the "Forgot Password" option

  3. Now, follow the steps that you see on your screen

  4. Then, you have to enter your credit card number

  5. Provide the correct answer to the verification question

  6. At last, follow the password reset prompts

  7. Create a new Citi credit card login password

That was all midland tour should know about accessing, creating, and recovering your "login to citi card" Citi bank credit card login account. We hope that these details were able to make your journey with a Citi card convenient. In the segments above, we to had a look at the Citi card sign-up process blackberry key2 le t mobile was followed by the login procedure and some more related topics.

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Источник: https://sites.google.com/how-to-activate.me/login-to-citi-card
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