citi prestige visa or mastercard

Is Citi Prestige a Visa or Mastercard? Citi Prestige Credit Card is a Mastercard. How much is a Citi point worth? A city point is worth Rs. chauffeur-driven airport transfers, a free hotel night and a fast-track to Hilton Honors Gold status, the Citi Prestige Visa Infinite credit card. The quote by Bennett Katz is from Chutkow, Visa: The Power of an Idea, 117. “National Merchants Revisited,” Credit Card Management (December 27.

Citi prestige visa or mastercard -

Fidelity® Rewards Visa Signature® Card

We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program other than Fidelity Rewards.

2.

Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than the value of the points you earn if you do not pay your bill in full each month.

3.

To receive a deposit, you must link your eligible Fidelity® account to your card. This can be accomplished in any of following ways. 1. You may contact Elan Financial Services Customer Service at the toll-free phone number located on the back of your credit card and provide them with your eligible Fidelity® account (s) number. 2. Simply select the “Manage Reward Points” hyperlink from the credit card snapshot page on Fidelity.com and follow the easy steps. You may also watch a brief video that describes the linking process on the credit card snapshot page also found on Fidelity.com. Please note that automatic redemptions will occur on a monthly basis as long as you have reached the point redemption threshold of 2,500 Points.

4.

Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable® Giving Account®, Fidelity HSA®, and Fidelity®-managed 529 College Savings Plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Guidelines new card customers receive with their card. Contributions to Fidelity Charitable® are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (800-343-3548).

5. Certain restrictions apply to each benefit. Details accompany new account materials.

6.

Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

7.

Cardmembers are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardmembers’ behalf.

8. Fidelity Rewards+ generally requires $250,000 invested through Fidelity® Wealth Services, Fidelity® Strategic Disciplines, or a combination of both registered as an individual account, a joint account, or certain types of revocable trusts. Assets in other registration types, such as irrevocable trusts, partnerships, or LLCs, will not be included when determining program eligibility. Fidelity Rewards is not offered as a component of any advisory service or program through Fidelity, including, without limitation, Fidelity® Wealth Services and Fidelity® Strategic Disciplines. While there are no program enrollment fees, eligible managed accounts are charged an advisory fee.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Fidelity Charitable® is the brand name for Fidelity Investments® Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license.

"Giving Account" is a registered service mark of the Trustees of Fidelity® Charitable.

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©2020 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law.

© 2021 The Kiplinger Washington Editors. Used under License.

Fidelity Go® provides discretionary investment management for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.

The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

Fidelity® and Elan Financial Services are separate companies.

Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to a license from Visa U.S.A., Inc.

Third-party trademarks appearing herein are the property of their respective owners. All other service marks are property of FMR LLC.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

Источник: https://www.fidelity.com/cash-management/visa-signature-card
airport security

This holiday season is shaping up to be a busy time for travel. AAA is predicting an 80% increase in air travel from last Thanksgiving, when most travelers stayed home due to the COVID-19 pandemic, according to The Washington Post. If you're planning on traveling during the holidays, there are ways to avoid standing in a long security line at the airport. 

TSA PreCheck, Global Entry and Clear are programs that allow you to breeze through airport security. But before you plunk down money on these program fees -- and after you digested the security and privacy concerns of enrolling such a program -- you may want to look at the many credit cards that cover the costs. Similarly, you can redeem loyalty points or frequent-flyer miles to get a free TSA PreCheck, Global Entry or Clear membership.

To save you from digging through the details of your next credit card statement or rewards program FAQ page, I've assembled in one convenient spot the credit cards and loyalty programs that cover all or some of the cost of TSA PreCheck, Global Entry or Clear. Check out the lists and links below.

Related: Best travel credit cards for 2021

What do these programs do?

TSA PreCheck and Global Entry are run by the US government, while a private company operates Clear. 

  • TSA PreCheck is run by the US Transportation Security Administration and expedites the airport security screening process. This gets you access to a faster PreCheck line (where available) and you won't have to remove your shoes, belt, jacket or laptop during the security screening. 
  • Global Entry, run by the US Customs and Border Protection, includes all of the advantages of TSA PreCheck and adds an express line through customs and immigration for international travelers returning to the US. 
  • Clear is privately operated and lets you bypass the main security line or the TSA PreCheck line at the airport. After checking in at a kiosk, you'll be escorted to the front of the security line, where you won't be required to show your ID. Then you'll go through a security screening as usual -- unless you also have PreCheck. Clear also offers a free version of its service called Clear Sports that provides expedited entry into a handful of stadiums around the country.

Read:TSA PreCheck vs. Global Entry vs. Clear compared

How much do these programs usually cost?

TSA PreCheck costs $85 for five years. Global Entry costs $100 for five years. Clear is considerably more expensive at $179 per year. The ideal combination is Global Entry and Clear, letting you breeze through the security line, then going through screening without reorganizing your entire wardrobe. But that's expensive, so, read on.

How to get TSA PreCheck or Global Entry for free

In most cases, if a credit card features a TSA PreCheck or Global Entry benefit, it gives you the choice of a $100 credit to cover the cost of Global Entry or an $85 credit to cover the cost of TSA PreCheck. I don't know why you would opt for the latter if both are free. Remember, Global Entry includes all of the benefits of TSA PreCheck and adds a speedier way through US customs and immigration. Some cards, however, offer only an $85 credit, which would leave you with a $15 balance to cover the cost of Global Entry.

The following credit cards include up to a $100 credit at least every five years to cover a five-year membership to TSA PreCheck or Global Entry:

In addition to credit cards, there are a handful of traveler loyalty programs that let you trade points or miles for a free membership to TSA PreCheck.

How to get Clear for free

There are fewer ways to get a free or discounted Clear membership, but they do exist. Delta and United frequent flyers as well as Hertz members can get a deal on Clear.

For Delta flyers, Clear is free for Diamond Medallion members, $109 a year for Platinum, Gold and Silver Medallion members, and $119 a year for General SkyMiles members. 

On United, Clear free for Premier 1K members, $109 a year for United credit cardmembers in the US and Platinum, Gold and Silver Premier members. And it's $119 a year for MileagePlus members.

Hertz Gold Plus Rewards members can get Clear for a discounted rate of $129 a year -- a savings of $50.

Disclaimer: The information included in this article, including program features, program fees, and credits available through credit cards to apply to such programs, may change from time-to-time and are presented without warranty. When evaluating offers, please check the credit card provider's website and review its terms and conditions for the most current offers and information. 

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

Источник: https://www.cnet.com/personal-finance/credit-cards/how-to-get-tsa-precheck-global-entry-and-clear-for-free-this-holiday-season/
AAdvantage (Pre-Consolidation with USAir) - Referral Bonus Citi Aadvantage Card? - Is there still a bonus for referring applicants to the Citibank AA card? No bonus came after 5 months had passed. Transfers are instant and do not have any admin fee. The Citibank Referral scheme offers S$100 cash per successful referral. Very disappointed! Oct 26, 2021 · Welcome! Log into your account. Personally, I value ThankYou points at 1. Or sometimes the first business day after accepting the offer. This is a Discover card, which is not as widely accepted as Visa or MasterCard. Sep 07, 2021 · Through November 13, 2021, Citi ThankYou points can be converted into American AAdvantage miles at a 1:1 ratio. ” This card family includes the Prestige, Premier, Preferred, and Rewards+. Bonus is interest and subject to reporting on Form 1099-INT. Chase Bank: $225 bonus or $100 bonus for college students Aug 18, 2021 · Citibank is one of the biggest banks in the world. First, they declined my application. , there's likely to be a Citibank location or ATM near you. And, within 30 days after opening your account, deposit $50,000 in new to Citibank funds between the new checking and savings accounts. Oct 26, 2021 · CNN – CNN stressed review financial products such as credit cards and bank accounts based on their overall value. Citi Premier ® Card Review. Citi is offering qualified business owners up to a $2,000 bonus with a new checking account. This is the highest signup on this card ever! But please refer to Recommend Application Time section before you apply. You could earn 10,000 ThankYou points for every referral up to 50,000 points in a 12-month period. Feb 10, 2021 · Best Bank Bonuses of 2021 include Bank of America: $100. your password Oct 01, 2021 · 11. 2. Citibank: up to $1,500. Why? My FICO scores range from 835-850. Citibank AAdvantage Miles: 10,000 to 50,000 Miles. Our Partner. If you can take advantage of them without driving a wedge in your relationships, check out the credit card referral bonus rewards available to you. To qualify for the bonus, here’s what you need to do: Open new eligible checking and savings accounts in the Citibank Account Package before 4/1/2021. Top credit card wipes out interest into 2023 A free inside look at Citi bonus trends based on 26,067 bonuses wages for 5,498 jobs at Citi. Offer ends 12/15/21, 11:59 PM ET. $400-$600K. That’s more than enough for a one-way business class ticket from the United States to Africa, Asia, Europe, etc. Feb 11, 2021 · You’ll also get 3x bonus points on dining, online subscriptions, and entertainment purchases. your password Sep 07, 2021 · $150 annual fee; $50 annual fee for a supplementary card; Earn 105,000 sign up bonus points (earn 65,000 points after spending $5,000 in the first 6 months, earn 15,000 for making a purchase 14 months after the anniversary of the card and earn 5x the points on gas, dining and travel purchases in the first 6 months up to a maximum of 25,000 points) (if you apply before September 20, 2021) Citi Credit Card Bonuses - October 2021 trend www. The Promotion is applicable to all Citigold and Citigold Private Clients who hold an account with Citi Dec 28, 2020 · The way Citi counts the 3 months is as follows: The clock starts the day you accept the offer. Citi ® / AAdvantage ® Platinum Select ® World Elite ™ Mastercard ® (This review) $99, waived for first 12 months. To qualify for the $300 cash bonus, you are required to open a new, qualifying Huntington 25 Checking account by February 7, 2022 and make cumulative new money deposits into the checking account of at least $25,000 or more within 60 days of account opening and keep your account open for 90 days. The referrer also gets a free bonus month once you sign up. This is the best ever welcome bonus on this product that we’ve seen and a significant bump from the standard 60,000 ThankYou Points offer. M&T Bank: up to $250. 9% cashback of up to $5000. Sep 07, 2021 · $150 annual fee; $50 annual fee for a supplementary card; Earn 105,000 sign up bonus points (earn 65,000 points after spending $5,000 in the first 6 months, earn 15,000 for making a purchase 14 months after the anniversary of the card and earn 5x the points on gas, dining and travel purchases in the first 6 months up to a maximum of 25,000 points) (if you apply before September 20, 2021) Jul 12, 2021 · Get 90,000 bonus Citi Rewards Points and a $100 Coles eGift Card when you apply and get approved by 31 October 2021 and spend $3,000 on eligible purchases in the first 90 days from card approval Jun 05, 2021 · Customers can Log on to Citibank Online or use the Citi Mobile App Latest credit card statement also shows the earned reward points Send an SMS written as REWARDS XXXX wherein the XXXX denotes the last 4 digits of your credit card number, and send it to 52484 (for Airtel, Aircel, Idea or Vodafone users) or to +91-9880752484 (for any other network). Recurring direct deposits and maintaining a minimum balance are common requirements in securing bank bonuses. In 2021, the 5% Cash back bonus quarterly categories are: American Airlines AAdvantage MileUp ℠ Card ( Review) $0. Sep 02, 2021 · To qualify for the $400 cash bonus:. CODES (6 days ago) Citi Bank Bonus Promotions 2020 - Sep 2021 Verified by . We may receive a commission through Citi if you request an account and are approved on this page, but our reports are always independent and objective. PNC Bank: up to $300 bonus. 40% APY. Oct 19, 2021 · From 16 October to 17 November 2021, customers who transfer Citi Miles or ThankYou points to GrabRewards will receive a 10% bonus, with no cap. Read Money for more. Bonuses posted anonymously by Citi employees. The minimum deposits and Feb 10, 2021 · Best Bank Bonuses of 2021 include Bank of America: $100. Oct 04, 2021 · Refer another American before July 31, 2021, and they’ll get $50 for a Choice Checking, $200 for an Advance Checking and $400 for a Premier Checking account. “Citi Points Conversion to Taxi Dollars Offer – Earn up to HK$300 HKTaxi Coupons every month” ("Offer 5") Terms and Conditions: Jun 05, 2021 · Customers can Log on to Citibank Online or use the Citi Mobile App Latest credit card statement also shows the earned reward points Send an SMS written as REWARDS XXXX wherein the XXXX denotes the last 4 digits of your credit card number, and send it to 52484 (for Airtel, Aircel, Idea or Vodafone users) or to +91-9880752484 (for any other network). Nov 05, 2020 · The 5% calendar for 2021 lists categories we've loved from previous years and introduced a new category as well. 60,000 bonus points after you spend $2,000 in first 3 months. Discover : Get $50 when you refer friends to any Discover credit card except Discover it Miles which has a $100 referral bonus. Citibank Savings Bonus: $100-$3,500. Feb 22, 2021 · I applied citi cashback+ mastercard in March 2020 during the promotion period, Till date, 16 Jan 2021, I have not receive $250 welcome bonus via PayNow account and balance 2. your password Jul 08, 2021 · Citi has updated the Citi Premier Card with a new welcome offer of 80,000 ThankYou Points after spending $4,000 in purchases within the first three months. Jul 08, 2021 · Citi Premier ® Card Review. Which is insane. We have NO DEBT. No foreign transaction fee. The minimum deposits and Oct 05, 2021 · Best Bank Bonuses Of October 2021. Then I received a DENIAL said my card never has such offer - The offer came as an email with the last 4 digit of my card on the referral email. The card has fantastic bonus categories, no foreign transaction fees, a $100 annual hotel credit through the ThankYou portal, and more. Citi Credit Card Bonuses - October 2021 trend www. Citi ThankYou Points are often overlooked in Citi Credit Card Bonuses - October 2021 trend www. $0 minimum deposit to open online, $25 minimum deposit to open in branch. Pay close attention on this because in my experience it varies depending on the offer. The Citi Premier Card has a welcome bonus of 80,000 ThankYou points after spending $4,000 within three months. Plus, each friend can earn a new Sep 28, 2021 · Going forward, the Citi Premier Card’s 80,000-point sign-up bonus after spending $4,000 on purchases in the first three months of account opening will now be the card’s standard offer. citibank referral bonus 2021

Источник: http://speedinc.net/ub2a/citibank-referral-bonus-2021.html

MBNA Credit Cards

†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer and: (a) in order to obtain a "First Eligible Transaction Bonus" of 5,000 bonus points, the account must be used for at least one eligible transaction within the first 90 days of account opening that is not subsequently rescinded, the subject of a charge back request or otherwise disputed, and (b) in order to obtain a "Paperless Bonus" of 5,000 bonus points, you must enroll in online banking at www.mbna.ca, and consent to Paperless Statements for the account within the first 90 days of account opening, and not subsequently rescind such enrollment throughout this period. Please allow 8–10 weeks from the transaction date and the Paperless Statement enrollment for the applicable bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account for each of the First Eligible Transaction Bonus and the Paperless Bonus). This promotion is offered by MBNA and may be amended or cancelled at any time without notice.

Источник: https://www.mbna.ca/en/quebec

Citi Prestige® Card review

Snapshot

Bankrate rating
      Citi Image

      Citi Prestige® Credit Card

      Rewards rate

      1X–5X

      Intro bonus

      50,000 points

      Regular APR

      16.99% - 23.99% variable APR based on your creditworthiness*

      Recommended Credit Score

      Excellent  (740 - 850)

      Citi is an advertising partner.

      Citi Prestige® Card Overview

      The Citi Prestige® Card is a premium travel credit card offering select luxury travel perks for frequent flyers. While its $495 annual fee is not for the fainthearted, regular travelers can make their money back easily by taking advantage of Citi Prestige benefits like a complimentary fourth-night hotel stay and an annual $250 travel credit. The card has a generous rewards rate too, so you can accelerate your ThankYou points balance and get more for your spending.

      What are the advantages and disadvantages?

      Pros

      • 5X points on air travel and restaurant purchases; 3x points on hotels and cruise line purchases; 1X point on all other purchases
      • Get the fourth night free when booking four consecutive nights or more at any hotel through Citi ThankYou.
      • $250 annual travel credit, which also includes supermarket and restaurant purchases through December 2021
      • up $100 application fee credit for Global Entry to TSA PreCheck every five years
      • Priority Pass Select VIP airport lounge access
      • Pairs well with other no annual fee Citi rewards cards

      Cons

      • $495 annual fee
      • ThankYou points are only worth up to 1 cent each unless transferred to travel partner
      • Fewer travel benefits and protections compared to other similarly-priced travel cards
      • No intro purchase or balance transfer APR

      A deeper look into the current card offer

      Quick highlights

      • Rewards rate: 5X points on air travel and restaurant purchases; 3x points on hotels and cruise line purchases; 1X point on all other purchases
      • Welcome offer: 50,000 bonus ThankYou points after spending $4,000 within three months of account opening
      • Annual fee: $495
      • Purchase intro APR: None
      • Balance transfer intro APR: None
      • Regular APR: 16.99 percent–23.99 percent variable

      Citi Prestige current welcome offer

      The Citi Prestige comes with a respectable 50,000 ThankYou points if you spend at least $4,000 in the first three months. This sign-up bonus is redeemable for $500 in travel if you book through the ThankYou Travel center—effectively offsetting your entire annual fee in the first year.

      While this is a solid bonus, Chase Sapphire Reserve® has a similar welcome offer for qualifying cardholders. But 50,000 Chase points (after you spend $4,000 on purchases in the first three months from account opening) is worth $750 in travel—or 50 percent more—if redeemed for travel through Chase Ultimate Rewards.

      Rewards

      The Citi Prestige earns Citi ThankYou points, which provide a solid 1:1 value toward travel through Citi. Luckily, there is a good variety of redemption options, but it’s hard to squeeze extra value out of your points without utilizing Citi travel transfer partners. Waiting till the right moment is no problem, though, since your points won’t expire as long as your account stays open. However, points that are shared with another account expire in 90 days and purchased points must be used within a year.

      Earning rewards

      Unless you bank with Citi, the only way to earn substantial rewards is through spending with your credit card. Your biggest bonus category earns 5X points on air travel and at restaurants (including cafes, bars, lounges and fast-food restaurants—which isn’t always the case), but you’ll also rake in 3X points at hotels and on cruise lines. Naturally, you’ll also earn 1X points on all other purchases.

      If you plan to maximize your rewards for travel, this 5X rewards rate makes the Citi Prestige one of the best cards for restaurants and airlines.

      Redeeming rewards

      Rewards redemption is where Citi Prestige comes into its own. You can use points to cover recent travel purchases (such as flights, hotels and car rentals) or eligible online bills, redeem them for a gift card, pay for purchases at participating retailers, receive them as cash back, donate them to charity or even share them with another person who has a ThankYou account. You may also be able to use points for payments up to $1,000 toward qualifying Citi credit lines, like a mortgage or student loan.

      What’s particularly special about the Citi Prestige is that points earned on this card (and the Citi Premier® Card) can be transferred to a partner airline loyalty program at a transfer ratio of 1:1. Points transfer at this ratio is not available with other no annual fee Citi credit cards.

      How much are points worth?

      Unlike other reward programs like Chase Ultimate Rewards, you can’t redeem your ThankYou points for a higher value toward travel. The best value you can get from your points through Citi is 1 cent apiece toward booking travel, redeeming for gift cards or contributing to your Citi home mortgage or student loan balance.

      Other redemption options typically bring less than a 1:1 value, but your best opportunity to wring more value from your points is to transfer them to a partner Citi travel loyalty program. According to The Points Guy’s point and mile valuations, ThankYou points can be worth up around 1.7 cents with the right transfer partner.

      Benefits

      Outside the pack-in World Elite Mastercard benefits, the Citi Prestige carries the best additional features of any Citi card. If you travel regularly, these perks will elevate your travel experience and more than justify the hefty annual fee.

      Complimentary hotel night

      The Citi Prestige’s complimentary fourth-night hotel stay offer is by far the most popular benefit. Simply book a hotel of your choice through Citi’s online portal for four consecutive nights and you’ll only have to pay for three (excluding taxes and fees). What’s more, you can claim this benefit up to two times per calendar year.

      Up to $250 annual travel credit

      Every year, you’ll automatically receive up to $250 in statement credits toward eligible purchases that fall within the “travel purchases” category. Citi automatically identifies each of these purchases on your card and posts a credit one to two billing cycles later. Qualifying personal travel expenses include purchases from:

      • Airlines
      • Hotels
      • Travel agencies, travel aggregators and tour operators
      • Commuter transportation, including commuter railways, subways and bus lines
      • Taxis, car services and limousines
      • Bridge and road tolls
      • Paid parking lots and garages
      • Cruise lines
      • Ferries

      No worries if you’re hesitant to travel at the moment, your travel credit will also cover supermarket and restaurant purchases through December 2021.

      Other travel perks

      • Priority Pass Select airport lounge access. You and up to two guests can access hundreds of Priority Pass Select VIP lounges worldwide.
      • Global Entry or TSA PreCheck credit. Get up to $100 back in fee credit for Global Entry or TSA PreCheck applications every five years.
      • Concierge service. Cardholders are entitled to Citi’s Concierge service, which gives you access to a personal assistant who can help with travel planning, shopping, restaurant reservations and more.

      Annual Citigold banking relationship bonus credits

      This valuable perk is a bit under-the-radar but can make a difference in offsetting your annual fee each year. By being a Citi Prestige cardmember with a qualifying Citigold wealth management account, you can earn a $145 statement credit within three billing cycles of your assessed $495 annual fee being charged to your card. If you happen to have one or more authorized users, you’ll also receive a $25 statement credit for each $75 authorized user fee on your account.

      Rates and Fees

      The Citi Prestige has an annual fee of $495 and a further $75 for an additional authorized user, but there are no foreign transaction fees. Late payment triggers a fee of up to $40, and a penalty APR of 29.99 percent variable may apply.

      In line with other travel rewards credit cards, there are no introductory APR periods with the Citi Prestige. However, if you need to transfer your balance with Citi, the balance transfer fee is either $5 or 3 percent of the transfer amount (whichever is greater). Both your purchases and balance transfers will be subject to the ongoing 16.99 percent to 23.99 percent variable APR, which is on par with other elite travel cards.

      How the Citi Prestige Credit compares to other premium travel credit cards

      The Citi Prestige’s main rivals are the Chase Sapphire Reserve and The Platinum Card® from American Express. Both of these cards are loaded with more travel benefits, especially travel and purchase protections but have a higher annual fees. Chase Sapphire Reserve offers a seemingly lower 3X rate on travel and dining (after earning your $300 travel credit), but you’ll get a stronger $300 annual travel credit (which covers gas station and grocery purchases through Dec. 31, 2021) and 50 percent more value when redeeming points for travel through Chase Ultimate Rewards.

      The Platinum Card, on the other hand, offers an “equivalent” 5X points for flights and prepaid hotel purchases booked directly with airlines or with American Express Travel, plus a rich portfolio of extra benefits. The Platinum Card stands alongside the Sapphire Reserve as one of the best credit cards for travel insurance and delivers perks like complimentary Marriott Bonvoy and Hilton Honors elite gold status, annual credits for merchants like Uber and Saks Fifth Avenue and top-tier airport lounge access worldwide.

      Citi’s Prestige Card may have a lower annual fee and wider category coverage, but it could be hard to stack up to these rivals’ perks and higher potential point value (The Points Guy’s latest point valuation rates both Chase Ultimate Rewards points and Amex Membership Rewards points at 2 cents apiece). However, the Citi Prestige may be the best choice hands down if you already bank with Citi or are considering other Citi rewards cards. The regular ThankYou points from eligible Citi banking activity and the partial annual fee credits from Citigold can pad out your rewards balance. Citi’s no annual fee rewards cards also compliment the Prestige card incredibly well, perhaps making the most cost-effective issuer card combinations to maximize rewards.

      Источник: https://www.bankrate.com/finance/credit-cards/reviews/citi-prestige-card/
      Citibank Prestige Credit Card

      Skip to Content

      The Citi Prestige Credit Card is one of the most expensive credit cards in the market. Despite its expensive upkeep cost, we believe that this credit card is a worthwhile consideration for frequent travelers who can take advantage of the airport lounge access or complimentary hotel stays it offers.

      Check: Citibank Credit Card Application Status 


      About Citibank Prestige Credit Card

      Like any super premium card, Citi Prestige Credit Card (India) would take care of all your problems. Be it Priority Pass Lounge Access, Complimentary Hotel Stays, Taj Epicure and Inner Circle Silver Membership, Golf Privileges and Reward Rate, it is as better as it can be. But in the end, it all comes down to your priority and habits.

      For Citibank Queries: Citibank Helpline Number


      Benefits of Citi Prestige Credit Card

      Travel & Stay

      Citibank Prestige Credit Card comes with various benefits while you are travelling within India or internationally. Here are some of the amazing benefits that you can get on travel and stays.

      • Enjoy unlimited priority pass lounge access across 800 airports across the globe. This offer is available for primary as well as supplementary card members.
      • Dive into luxury with the Citi Prestige Credit Card and get a free room-only stay at any hotel across the globe. This awesome offer is applicable on a minimum stay of 4 nights.
      • Get two annual complimentary luxury airport services along with a meet and assist services. This service is available at 30 international airports within the Asia Pacific region.

      Global Access & Service

      Citi Prestige Credit Card offers unique benefits like getting global access and services. Here are some of the most amazing global access and services that you must know about:

      • Enjoy a personalized welcome worldwide with the Citi Prestige Credit Card. Get an elevated status on loyalty programs of global members like Taj Epicure Plus Plan and Inner Circle Silver Membership.
      • Get access to some of the most beautiful golf destinations across the globe along with three complimentary green fees at selective courses globally.
      • You can also get 4 complimentary golf rounds and lessons every year. This offer is available at 15 leading golf clubs in India. Whereas you can also get additional rounds on the basis of spends on your Citi Prestige Credit Card.
      • Explore, eat and stay in style with 33 city guides created exclusively for the Citi Prestige cardmembers by Luxe City Guides.

      Rewards

      • Earn 1 reward point locally and 2 reward points overseas on every Rs.100 spent through your Citi Prestige Credit Card.
      • Get additional bonus points for your existing relationship with Citibank Credit Card and your spends.
      • Earn up to 30% bonus points over and above your regular spends. This offer is applicable on the basis of your regular spends via Citi Prestige Credit Card and if you are an existing Citigold or Citigold private client.
      • You can also turn your reward points into gift vouchers from leading brands to the latest gadgets.
      • Transfer your Citi Prestige Credit Card reward points to loyalty programs of many leading airlines and hotels. Now enjoy 1 Citi Prestige Reward Point= 4 Frequent Flyer Air Miles on the below-mentioned airlines.
      Air IndiaEva Air
      British AirwaysJet Airways
      Cathay PacificMalaysia Airlines
      Etihad AirwaysSingapore Airlines
      Virgin AtlanticThai Airways
      QantasFlying Blue (Air France and KLM)
      Qatar AirwaysTurkish Airlines

      You can also transfer your reward points to Citi Bank’s luxury hotel partners.

      Taj InnerCircle5 reward points = 1 Taj InnerCircle point
      IHG Rewards Club1 reward point = 4 IHG points
      • Now get instant rewards when you pay via listed online partners like MakeMyTrip, BookMyShow, Yatra, Vodafone, Goibibo, IndiGo, Shoppers Stop, Westside, Fab India, and Indian Oil.
      • The ratio for redemption is: 100 reward points = Rs 100.
      • You can instantly redeem your Citi reward points for Amazon and Flipkart gift vouchers.

      Protection & Financial Stability

      • Get medical insurance of USD 50,000 on your international travels.
      • In case of any unfortunate air accident, your nominee or supplementary card member will get a cover of Rs.50,00,000.
      • Get a complimentary fraud assurance of Rs.10,00,000 in case of financial losses occurred due to fraudulent activities. This must be reported within 96 hours prior and 48 hours post the fraudulent activities.
      • In case you lose your card, you can call the Citi Prestige Service Line on an urgent basis. Citi Bank will immediately replace your card and provide emergency cash at your location.
      • You can use your contactless Citi Credit Card for transactions up to Rs. 2000 wherein you don’t even need to use your PIN. For transactions over Rs. 2000, you can use the card by dipping or swiping.

      You can avail all these benefits right now, by applying for this Citibank Credit Card via CashKaro.

      For Credit Card Queries: Citbank Credit Card Contact Number


      Features of Citibank Prestige Credit Card

      • Cardholders enjoy the premium status on the loyalty programs of the card issuer’s global partners like Etihad Airways, British Airways and Taj group of hotels
      • If you book a minimum  4 nights of stay through this card, then you get one night of complimentary stay at exquisite hotels across the globe
      • Cardholders enjoy unlimited complimentary passes for free lounge access at more than 700 airports across the world
      • You can end up saving up to 15% on business class and international first tickets with the best seven airlines in the world
      • This credit card entitles you to enjoy exclusive benefits and up to 20% savings on premium luxury hotels in India

      Citi Prestige Credit Card Eligibility and Documentation

      Citi Prestige Credit Card Eligibility:

      • Age – 21 to 65 years
      • Annual Income – Rs. 300,000

      Citibank Prestige Credit Card Documentation:

      • PAN card photocopy or Form 60
      • Colour photograph
      • Income Proof: Latest Pay Slip/Form 16/IT Return copy
      • Residence Proof: Passport/ Ration Card/ Electricity bill/ Landline telephone bill
      • Identity Proof: Passport/ Driving License/ PAN Card/ Aadhaar card

      Citibank Prestige Credit Card Advantages & Disadvantages

      Citi Prestige Credit Card Advantages (Pros)

      • Unlimited Priority Pass Membership
      • Excellent customer service
      • Impressive features
      • Awesome benefits on air miles, hotels, and golf

      Citibank Prestige Credit Card Disadvantages (Cons)

      • High Annual Fee
      • High Interest Rate
      • High Foreign Currency Mark-up Fee

      Citibank Prestige Credit Card Fees & Charges 

      Type of FeesCitibank Prestige Credit Card Charges
      Annual FeeRs. 20,000
      Default Charge3.5% p.m.
      Cash Advance charge2.00% or Rs.300 (whichever is higher)
      Foreign Currency markup fee3.5%
      Bonus Point10,000 air miles every year

      Rs. 10,000 worth Taj or ITC hotel voucher

      Rewards1 reward point for every Rs.100 (in India)

      2 reward point for every Rs.100 (internationally)


      Why You Should Apply for Citi Prestige Credit Card?

      • Excellent customer service
      • Unlimited Priority Pass benefits
      • Better Golf Privileges
      • Bonus Points every year
      • Impressive offers on hotels
      • Good reward rate (even better if you’re a Citi Gold Customer)

      How to Apply for Citibank Prestige Credit Card?

      To apply for the Citi Prestige Credit Card, there are the following methods:

      • Method 1: Contact the Citi Prestige Service line at +91-22-49181050, 1-800-419-1050 (toll-free)
      • Method 2: SMS PRESTIGE to 52484. For subscribers other than Aircel / Airtel / Vodafone / Idea, send the SMS to +919880752484

      One simpler way to apply for the Vistara Infinite Credit Card is through BankBazaar. Learn how to save when you apply for Citibank credit cards here.


      Frequently Asked Questions (FAQs)

      How can I increase my Citibank Credit Card Limit in India?

      You can increase your Citibank credit card limit by logging in to your Citibank account. Simply click on ‘Services’ and select ‘Card Service’. Now choose ‘Temporary Credit Card Limit Increase’ or ‘Permanent Credit Card Limit Increase’. Fill in the necessary information like the desired credit limit, effective date and the reason for the increase. Remember that the credit card limit lasts up to 60 days from the date of approval by Citi.

      Is Citi Prestige a Visa or Mastercard?

      Citi Prestige Credit Card is a Mastercard.

      How much is a Citi point worth?

      A city point is worth Rs.100/- if spent domestically. Whereas you can earn 2 reward points on a spend of Rs.100/- Internationally.

      How much are 50000 Citi points worth?

      Each City Point is worth Rs.100/-, so 50,000 City Points would be worth (50,000×100) Rs.5000000.

      How do I claim my Citibank reward points?

      You can log in to Citibank’s app and check the status of your reward points. You can then claim the reward points using various retailers or get them changed to Amazon and Flipkart gift vouchers. You can also call the Citibank customer care for details.

      Is there any insurance cover on Citi Prestige Credit Card?

      Yes, Citibank Prestige Credit Card comes with an insurance policy wherein you are entitled to get overseas medical insurance of USD 50,000. It offers another insurance cover in which your nominee or supplementary cardholder is entitled to get a cover of Rs.50,00,000 in case of an unfortunate air accident.

      Is there any protection policy for the loss of card?

      Yes, Citibank offers Citi Prestige Credit Card customers complimentary fraud insurance of Rs.3,00,000. This must be reported within or before 96 hours of theft or damage and 48 hours after a  damage or loss.

      What are the benefits of Citi Prestige credit cards related to city guides?

      With Citi Prestige Credit Card, you can explore, eat and stay with 33 city guides which are exclusively created for the Citi Prestige cardmembers by Luxe City Guides.

      What are the airline benefits a City Prestige cardholder is entitled to?

      There are various airline benefits a City Prestige cardholder is entitled to. Here are some of the most important ones:

      • Get elevated status for loyalty programs with Citi’s global partners like Taj, Hilton, Etihad, British Airways and more.
      • You can convert your Citi reward points to air miles at any given time.
      • Get two annual complimentary luxury airport services accompanied by a meet and assist services. It is available at 30 international airports within the Asia Pacific Region.

      Other Top Credit Cards Information:

      Best Credit Card Offers:

      📢 Hungry for more deals? Visit CashKaro stores for best cashback deals & online products to save up to ₹15,000 per month. Download the app - Android & iOS to get free ₹25 bonus Cashback!
      Источник: https://cashkaro.com/blog/citibank-prestige-credit-card-benefits-fees-eligibility/25571

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      How the Modi government wrecked India’s small businesses

      The last five years appear to us as a series of 100-meter sprints for India’s small businesses and informal workers, one at a time. Be it for demonetisation, or Goods and Services Tax (GST) or the lockdown, each time the citizens are expected to run and endure what is called momentary hardships, purportedly to achieve what is said to be a “noble goal.”

      At times it is “ache din” (good days), “Digital India”, “surgical strike on black money”, “15 lakh rupees ($20,015.13) to every citizen”, “Make in India”, “Aatma Nirbhar Bharat”, “five trillion economy”—a carrot that changes every once in a while. Each one is packaged with the correct mix of demagoguery, branding, and high decibels in the media newsrooms that have rendered us into a country that lives in short bursts and even shorter memories.

      The manufactured euphoria is used as a smokescreen that shrouds the larger picture—a marathon race to the finish. A race that was flagged off with the slogan of “sabka saath sabka vikas,” but which over the years has been designed to decimate the small entrepreneurs and the informal sector in favour of big capital.

      First blood: Demonetisation

      One of the first hurdles that were erected on the tracks of the small business was demonetisation. The banning of Rs500 and Rs1,000 notes that overnight rendered 86% of India’s currency null and void, five years back, is one of the many moves that perfectly spotlights this game plan of the current regime. It had everything. The surprise announcement at 8pm on Nov. 7, 2016, that shocked and awed the country.

      Scroll.in

      The announcement did not talk about the preparation for its implementation but demanded to rise above our individual hardships, endure the pain for just 50 days to rid the country of the evils of black money, terrorism, and even cash. That was enough for the ever-faithful media to peddle stories of a daring “surgical strike” on black money, of new Rs2,000 notes having tracking chips, and so on. And anyone who questioned was branded an anti-national coming in the way of the “noble goal.”

      Behind the charade of the “surgical strike” on black money what is carefully hidden is the global war on cash that has been pushed by the big capital through the Better than Cash Alliance funded by United States Agency for International Development, Bill and Melinda Gates Foundation, Citi Foundation, Ford Foundation, Mastercard, Omidyar Network and Visa Inc. An alliance that India joined exactly a year before demonetisation.

      “The stated intention of the cashless push,” as explained by Tony Joseph, “is to make it impossible for the informal sector to survive as it does today—even though it employs more than 70% of India’s labour.” While proponents of a cashless economy spoke of the necessity of the “creative destruction” of the informal sector, he warns of the immense job loss and uncertainty that any such forced digitisation would entail for a country like India. This is precisely what we saw unfold since demonetisation.

      For a cash-intensive unorganised sector, demonetisation came as a bolt from the blue. With a dearth of working capital, the micro and small enterprises were in no position to pay and lakhs of workers abandoned small towns and cities to return to their villages. Bihar’s finance minister in December 2016 said 95% of migrants had returned home because their employers had no money to pay their salaries.

      In a December 2016 study, the All India Manufacturers’ Organisation reported 40% and 32% job losses in the age groups of 40 years to 55 years and 22 years to 30 years respectively during the first 50 days of demonetisation. By the end of the year, it was clear that the smaller the units, the more susceptible they were.

      So, small-scale traders, shops and micro industries witnessed 60% job losses and suffered a 47% dip in revenue while large-scale industries suffered only 2% job losses and a 3% revenue dip during the same period.

      Structural blow: GST

      The unorganised sector had hardly found their footing back in the race when yet another hurdle was erected on their track, this time in the name of Goods and Services Tax. It once again threw the economy on a tailspin.

      Scroll.in

      Yet again, it was said that the strains would be short-lived. We were once again asked to endure for the cause of formalisation which it was said would in the long run take the country to newer heights. There is a good reason in fact to believe that the GST was a bigger and more structural blow to the unorganised and small entrepreneurs than even the shockwave of demonetisation.

      The economics of logistics of the GST framework was completely skewed against the survival of the small players and in terms of market share helped in augmenting the footprint of the larger companies and big organised retail brands.

      As has been pointed out by various economists, be it the next-door kirana shops or the local service providers, their survival depends largely on non-compliance as it is only by this means that they are able to offer competitive prices vis-a-vis the bigger players.

      To subject them to official rates and to burden them with the cost of compliance was to basically translate into throwing at least most of them out of the race. And that is precisely what happened. We heard the Executive Chairman of Prestige Group saying “Thanks to GST, the unorganised competition is reducing. There are three or four organised players.” Rest could not keep up.

      “That is why I called GST, Ground Scorching Tax—it is at the ground level that the economy is getting damaged,” said economist and author Arun Kumar in an interview.

      Fatal fall: Lockdown

      A report by Transunion Cibil and Sidbi said that by the end of 2019, micro, small and medium enterprises with exposures from Rs10 lakh to Rs10 crore had recovered to pre-demonetisation levels, but the segment with exposure of less than Rs10 lakh was still far from recovery.

      Scroll.in

      The unorganised sector was desperately trying to get back on its feet when in 2020 yet another hurdle was put on their tracks. This time even a deadlier one that knocked them down—the covid-19 lockdown. The most stringent state-imposed lockdown ever recorded in human history was declared with a four-hour head start bringing the country to a standstill and a silent migration in motion.

      The propaganda machinery was yet again unleashed to sing the song of endurance for just a few weeks for the country to emerge strongly in the war against the virus, a war that we evidently failed in by the time of the second wave.

      The lockdown completely disrupted the economy, the heaviest price being paid yet again by the unorganised sector that was already crippled by the blows of demonetisation and GST. The effect was particularly skewed against women in the labour force.

      As per a study (pdf), while only 19% of women remained employed, 47% had not returned to work till the end of 2020. Among them, domestic workers and sex workers (who are predominantly women) were among the worst affected. Though invisibilised in official data, it was widely reported how women lost their small savings owing to demonetisation and even had to face domestic violence, which further intensified during the lockdown.

      Unorganised workers impacted

      As to the fate of the unorganised sector at large, the All India Manufacturers’ Organisation in association with nine other industry associations in a study of over 42,000 self-employed and micro-entrepreneurs, found that a third of them were on the verge of closing down (pdf) and more than 70% were forced to fire workers.

      A detailed survey of 400 firms conducted (pdf) in mid-2020 found that microenterprises lost 20% of annual sales, while medium and large enterprises lost about 11%. The study estimated that microenterprises could retain only 37% of their workers, while the number for large enterprises was 57%. This was before the second wave came to our shores.

      The account of Med Khan, a knife sharpener in Mumbai is moving. For him, the pandemic was an accelerator of something that was already in motion. “Most people buy stainless steel knives from Amazon and do not need my service,” he said.

      Shaktiman Ghosh, the General Secretary of the National Hawkers Federation, in an interview said that during the nationwide lockdown only 10% of hawkers selling fruits, vegetables and groceries were able to stay operational. More than 80% of hawkers were not able to even open their makeshift shops. It was devastating for them as about 60% of hawkers, he said, are hand to mouth depending on their daily earnings to survive.

      It has been stiffly contested, and also belied by the horrors of the second wave, as to whether such a stringent lockdown was the way to handle the pandemic. But one thing is certain, it further solidified the footing of big digitised retail on the already floundering small players, hawkers, and itinerant service providers. Grofers, for instance, claims that amongst the new users in 2020, 64% were first-time online grocery shoppers, while for 20% it was their first interface with e-commerce. Flipkart too boasts of a new user growth of close to 50% right after the lockdown and the bulk of them were in fact from the so far under-tapped tier-3 cities making the lockdown stand out as an inflexion point for online retail.

      Cumulatively seen, the demonetisation, the GST, or the lockdown are in fact not short sprints—but a continuum—a five-year-long marathon—that has turned into a death trap for small businesses employing the bulk of the informal workforce. They have either been bought over or their market share has been steadily eroded by big business.

      Recent National Crime Records Bureau data reveal that the pandemic year of 2020 saw more suicides among business people in India than even farmers. Among those who took the noose were mostly vendors (36%) and tradesmen (37%). Hate, bigotry and carefully camouflaged promises have either kept us distracted from these stark realities or have turned us into cheerleaders for a misplaced sense of pride. How long before we put an end to this death race?

      The authors are researchers at the Centre for Financial Accountability and analyse the government’s financial decision making from a people-centric perspective.

      The piece was originally published on Scroll.in. We welcome your comments at [email protected]

      Источник: https://qz.com/india/2095466/demonetisation-gst-covid-lockdown-wrecked-indias-small-traders/

      CITI PRESTIGE CREDIT CARD

      The Citi Prestige credit card is complimentary for Citigold Private Client customers with a net relationship value1 of Rs. 5 Crores and above with Citibank. Do reach out to your CPC RM for details.

      To know more, call on the 24 hour Citi Prestige Service Line on +91-22-49181050 or Toll free 1-800-419-1050.

      Existing Citi Prestige cardmembers to avail the services, can reach the Citi Prestige Concierge desk on 000-800-8522-006 (Domestic Toll-Free Number) or +91-22-4232-0253

      Please click here to view the Most Important Terms & Conditions

      For detailed terms & conditions regarding the above benefits and features, please click here

      * These benefits are eligible for primary cardmembers only. Cardmembers are eligible for these benefits on first transaction. The year mentioned is card membership year

      # For subscribers Other than Aircel / Airtel / Vodafone / Idea, please send the SMS to +919880752484

      1 Net relationship value is defined as the sum of Current and Savings Account Balances, Time Deposits, Assets under Management, Insurance Premium, Outstanding Principle on Mortgages, 25% Citibank DEMAT balances.

      2 The goods and services described are provided by third party merchants' network of hotels.

      3 The limit of two complimentary meet and assist and luxury airport transfer services is shared across primary and supplementary cardmember(s).

      4 Offer is valid only for the Citi Prestige primary cardmember. The elevated status is valid for one year from the membership date. The Citi Prestige cardmember must meet all standard requirements to retain the elevated status on the loyalty program in the second year

      5 Online transactions reflecting in the credit card statement in foreign currency only will be eligible for the accelerated international reward earn rate.

      6 This bonus is only valid for Citigold and Citigold Private Client customers who hold a Citi Prestige credit card. The relationship bonus will be credited only to those Citi Prestige credit cardmembers who reflect as Citigold Client ( with an NRV of INR 75Lakhs and above ) or Citigold Private Client ( with an NRV of INR 5 Cr and above ) on 31st December every calendar year. Additionally, the card and the bank account should be linked.

      7 Transfer of miles can take up to 3 weeks. Miles can be transferred only to your membership account. Your miles once transferred to any airline's Frequent Flyer Program will be subject to the Terms and conditions of the airlines.

      8 The Overseas medical insurance is only valid for the Citi Prestige primary cardmember.

      Источник: https://www.citi.co.in/credit-card/citi-prestige-credit-card.htm
      AAdvantage (Pre-Consolidation with USAir) - Referral Bonus Citi Aadvantage Card? - Is there still a bonus for referring applicants to the Citibank AA card? No bonus came after 5 months had passed. Transfers are instant and do not have any admin fee. The Citibank Referral scheme offers S$100 cash per successful referral. Very disappointed! Oct 26, 2021 · Welcome! Log into your account. Personally, I value ThankYou points at 1. Or sometimes the first business day after accepting the offer. This is a Discover card, which is not as widely accepted as Visa or MasterCard. Sep 07, 2021 · Through November 13, 2021, Citi ThankYou points can be converted into American AAdvantage miles at a 1:1 ratio. ” This card family includes the Prestige, Premier, Preferred, and Rewards+. Bonus is interest and subject to reporting on Form 1099-INT. Chase Bank: $225 bonus or $100 bonus for college students Aug 18, 2021 · Citibank is one of the biggest banks in the world. First, they declined my application. , there's likely to be a Citibank location or ATM near you. And, within 30 days after opening your account, deposit $50,000 in new to Citibank funds between the new checking and savings accounts. Oct 26, 2021 · CNN – CNN stressed review financial products such as credit cards and bank accounts based on their overall value. Citi Premier ® Card Review. Citi is offering qualified business owners up to a $2,000 bonus with a new checking account. This is the highest signup on this card ever! But please refer to Recommend Application Time section before you apply. You could earn 10,000 ThankYou points for every referral up to 50,000 points in a 12-month period. Feb 10, 2021 · Best Bank Bonuses of 2021 include Bank of America: $100. your password Oct 01, 2021 · 11. 2. Citibank: up to $1,500. Why? My FICO scores range from 835-850. Citibank AAdvantage Miles: 10,000 to 50,000 Miles. Our Partner. If you can take advantage of them without driving a wedge in your relationships, check out the credit card referral bonus rewards available to you. To qualify for the bonus, here’s what you need to do: Open new eligible checking and savings accounts in the Citibank Account Package before 4/1/2021. Top credit card wipes out interest into 2023 A free inside look at Citi bonus trends based on 26,067 bonuses wages for 5,498 jobs at Citi. Offer ends 12/15/21, 11:59 PM ET. $400-$600K. That’s more than enough for a one-way business class ticket from the United States to Africa, Asia, Europe, etc. Feb 11, 2021 · You’ll also get 3x bonus points on dining, online subscriptions, and entertainment purchases. your password Sep 07, 2021 · $150 annual fee; $50 annual fee for a supplementary card; Earn 105,000 sign up bonus points (earn 65,000 points after spending $5,000 in the first 6 months, earn 15,000 for making a purchase 14 months after the anniversary of the card and earn 5x the points on gas, dining and travel purchases in the first 6 months up to a maximum of 25,000 points) (if you apply before September 20, 2021) Citi Credit Card Bonuses - October 2021 trend www. The Promotion is applicable to all Citigold and Citigold Private Clients who hold an account with Citi Dec 28, 2020 · The way Citi counts the 3 months is as follows: The clock starts the day you accept the offer. Citi ® / AAdvantage ® Platinum Select ® World Elite ™ Mastercard ® (This review) $99, waived for first 12 months. To qualify for the $300 cash bonus, you are required to open a new, qualifying Huntington 25 Checking account by February 7, 2022 and make cumulative new money deposits into the checking account of at least $25,000 or more within 60 days of account opening and keep your account open for 90 days. The referrer also gets a free bonus month once you sign up. This is the best ever welcome bonus on this product that we’ve seen and a significant bump from the standard 60,000 ThankYou Points offer. M&T Bank: up to $250. 9% cashback of up to $5000. Sep 07, 2021 · $150 annual fee; $50 annual fee for a supplementary card; Earn 105,000 sign up bonus points (earn 65,000 points after spending $5,000 in the first 6 months, earn 15,000 for making a purchase 14 months after the anniversary of the card and earn 5x the points on gas, dining and travel purchases in the first 6 months up to a maximum of 25,000 points) (if you apply before September 20, 2021) Jul 12, 2021 · Get 90,000 bonus Citi Rewards Points and a $100 Coles eGift Card when you apply and get approved by 31 October 2021 and spend $3,000 on eligible purchases in the first 90 days from card approval Jun 05, 2021 · Customers can Log on to Citibank Online or use the Citi Mobile App Latest credit card statement also shows the earned reward points Send an SMS written as REWARDS XXXX wherein the XXXX denotes the last 4 digits of your credit card number, and send it to 52484 (for Airtel, Aircel, Idea or Vodafone users) or to +91-9880752484 (for any other network). Recurring direct deposits and maintaining a minimum balance are common requirements in securing bank bonuses. In 2021, the 5% Cash back bonus quarterly categories are: American Airlines AAdvantage MileUp ℠ Card ( Review) $0. Sep 02, 2021 · To qualify for the $400 cash bonus:. CODES (6 days ago) Citi Bank Bonus Promotions 2020 - Sep 2021 Verified by . We may receive a commission through Citi if you request an account and are approved on this page, but our reports are always independent and objective. PNC Bank: up to $300 bonus. 40% APY. Oct 19, 2021 · From 16 October to 17 November 2021, customers who transfer Citi Miles or ThankYou points to GrabRewards will receive a 10% bonus, with no cap. Read Money for more. Bonuses posted anonymously by Citi employees. The minimum deposits and Feb 10, 2021 · Best Bank Bonuses of 2021 include Bank of America: $100. Oct 04, 2021 · Refer another American before July 31, 2021, and they’ll get $50 for a Choice Checking, $200 for an Advance Checking and $400 for a Premier Checking account. “Citi Points Conversion to Taxi Dollars Offer – Earn up to HK$300 HKTaxi Coupons every month” ("Offer 5") Terms and Conditions: Jun 05, 2021 · Customers can Log on to Citibank Online or use the Citi Mobile App Latest credit card statement also shows the earned reward points Send an SMS written as REWARDS XXXX wherein the XXXX denotes the last 4 digits of your credit card number, and send it to 52484 (for Airtel, Aircel, Idea or Vodafone users) or to +91-9880752484 (for any other network). Nov 05, 2020 · The 5% calendar for 2021 lists categories we've loved from previous years and introduced a new category as well. 60,000 bonus points after you spend $2,000 in first 3 months. Discover : Get $50 when you refer friends to any Discover credit card except Discover it Miles which has a $100 referral bonus. Citibank Savings Bonus: $100-$3,500. Feb 22, 2021 · I applied citi cashback+ mastercard in March 2020 during the promotion period, Till date, 16 Jan 2021, I have not receive $250 welcome bonus via PayNow account and balance 2. your password Jul 08, 2021 · Citi has updated the Citi Premier Card with a new welcome offer of 80,000 ThankYou Points after spending $4,000 in purchases within the first three months. Jul 08, 2021 · Citi Premier ® Card Review. Which is insane. We have NO DEBT. No foreign transaction fee. The minimum deposits and Oct 05, 2021 · Best Bank Bonuses Of October 2021. Then I received a DENIAL said my card never has such offer - The offer came as an email with the last 4 digit of my card on the referral email. The card has fantastic bonus categories, no foreign transaction fees, a $100 annual hotel credit through the ThankYou portal, and more. Citi Credit Card Bonuses - October 2021 trend www. Citi ThankYou Points are often overlooked in Citi Credit Card Bonuses - October 2021 trend www. $0 minimum deposit to open online, $25 minimum deposit to open in branch. Pay close attention on this because in my experience it varies depending on the offer. The Citi Premier Card has a welcome bonus of 80,000 ThankYou points after spending $4,000 within three months. Plus, each friend can earn a new Sep 28, 2021 · Going forward, the Citi Premier Card’s 80,000-point sign-up bonus after spending $4,000 on purchases in the first three months of account opening will now be the card’s standard offer. citibank referral bonus 2021

      Источник: http://speedinc.net/ub2a/citibank-referral-bonus-2021.html

      MBNA Credit Cards

      †† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer and: (a) in order to obtain a "First Eligible Transaction Bonus" of 5,000 bonus points, the account must be used for at least one eligible transaction within the first 90 days of account opening that is not subsequently rescinded, the subject of a charge back request or otherwise disputed, and (b) in order to obtain a "Paperless Bonus" of 5,000 bonus points, you must enroll in online banking at www.mbna.ca, and consent to Paperless Statements for the account within the first 90 days of account opening, and not subsequently rescind such enrollment throughout this period. Please allow 8–10 weeks from the transaction date and the Paperless Statement enrollment for the applicable bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account for each of the First Eligible Transaction Bonus and the Paperless Bonus). This promotion is offered by MBNA and may be amended or cancelled at any time without notice.

      Источник: https://www.mbna.ca/en/quebec

      Kotak Mahindra Bank

      Indian private sector bank

      Kotak Mahindra Group logo.svg
      TypePublic

      Traded as

      ISININE237A01028
      IndustryFinancial services
      FoundedFebruary 2003; 18 years ago (2003-02)
      FoundersUday Kotak
      HeadquartersMumbai, Maharashtra, India

      Key people

      ProductsBanking, commodities, credit cards, equities trading, insurance, investment management, mortgage loans, mutual funds, private equity, risk management, wealth management, asset management
      RevenueIncrease₹56,703 crore (US$7.5 billion)[1] (2021)

      Operating income

      Increase₹16,428 crore (US$2.2 billion)[1] (2021)

      Net income

      Increase₹9,903 crore (US$1.3 billion)[1] (2021)
      Total assetsIncrease₹478,872 crore (US$64 billion)[2] (2021)
      Total equityIncrease₹83,345 crore (US$11 billion)[2] (2021)

      Number of employees

      71,000 (2021)[3]
      Subsidiaries
      Websitewww.kotak.com

      Kotak Mahindra Bank Limited is an Indian banking and financial services company headquartered in the city of Mumbai, India. It is India's third largest private sector bank by assets and by market capitalisation as of November 2021. It offers banking products and financial services for corporate and retail customers in the areas of personal finance, investment banking, life insurance, and wealth management. As of February 2021, the bank has 1600 branches and 2519 ATMs.[5]

      History[edit]

      In 1985, Uday Kotak founded what later became an Indian financial services conglomerate.[6] In February 2003, Kotak Mahindra Finance Ltd. (KMFL), the group's flagship company, received a banking licence from the Reserve Bank of India. With this, KMFL became the first non-banking finance company in India to be converted into a bank.[7]

      In a study by Brand Finance Banking 500 published in February 2014 by Banker magazine, KMBL was ranked 245th among the world's top 500 banks with a brand valuation of around US$481 million and brand rating of AA+.[8][9]

      A Kotak Mahindra Bank ATM in Kolkata

      Mergers and acquisitions[edit]

      ING Vysya Bank[edit]

      In 2015, Kotak Bank acquired ING Vysya Bank in a deal valued at ₹150 billion (US$2.0 billion). With the merger completed, Kotak Mahindra Bank had almost 40,000 employees, and the number of branches reached 1,261.[10] After the merger, ING Group, which controlled ING Vysya Bank, owned a 7% share in Kotak Mahindra Bank.[11]

      Ferbine[edit]

      In 2021, the bank acquired a 9.99% stake in Ferbine, an entity promoted by Tata Group, to operate a Pan-India umbrella entity for retail payment systems, similar to National Payments Corporation of India.[12]

      Subsidiaries and associates[edit]

      Major subsidiaries of the Bank include [13]

      • Kotak Mahindra Prime
      • Kotak Mahindra Investments
      • Kotak Securities
      • Kotak Mahindra Capital
      • Kotak Mahindra Life Insurance
      • Kotak Mahindra General Insurance
      • Kotak AMC
      • Kotak Investment Advisors
      • kotak capital Company

      Corporate Social Responsibility[edit]

      In 2020, Kotak pledged to donate ₹50 crore to the PM CARES Fund to fight against the COVID-19 pandemic in India.[14]

      See also[edit]

      References[edit]

      External links[edit]

      Official website

      Источник: https://en.wikipedia.org/wiki/Kotak_Mahindra_Bank

      Citi Prestige® Card review

      Snapshot

      Bankrate rating
          Citi Image

          Citi Prestige® Credit Card

          Rewards rate

          1X–5X

          Intro bonus

          50,000 points

          Regular APR

          16.99% - 23.99% variable APR based on your creditworthiness*

          Recommended Credit Score

          Excellent  (740 - 850)

          Citi is an advertising partner.

          Citi Prestige® Card Overview

          The Citi Prestige® Card is a premium travel credit card offering select luxury travel perks for frequent flyers. While its $495 annual fee is not for the fainthearted, regular travelers can make their money back easily by taking advantage of Citi Prestige benefits like a complimentary fourth-night hotel stay and an annual $250 travel credit. The card has a generous rewards rate too, so you can accelerate your ThankYou points balance and get more for your spending.

          What are the advantages and disadvantages?

          Pros

          • 5X points on air travel and restaurant purchases; 3x points on hotels and cruise line purchases; 1X point on all other purchases
          • Get the fourth night free when booking four consecutive nights or more at any hotel through Citi ThankYou.
          • $250 annual travel credit, which also includes supermarket and restaurant purchases through December 2021
          • up $100 application fee credit for Global Entry to TSA PreCheck every five years
          • Priority Pass Select VIP airport lounge access
          • Pairs well with other no annual fee Citi rewards cards

          Cons

          • $495 annual fee
          • ThankYou points are only worth up to 1 cent each unless transferred to travel partner
          • Fewer travel benefits and protections compared to other similarly-priced travel cards
          • No intro purchase or balance transfer APR

          A deeper look into the current card offer

          Quick highlights

          • Rewards rate: 5X points on air travel and restaurant purchases; 3x points on hotels and cruise line purchases; 1X point on all other purchases
          • Welcome offer: 50,000 bonus ThankYou points after spending $4,000 within three months of account opening
          • Annual fee: $495
          • Purchase intro APR: None
          • Balance transfer intro APR: None
          • Regular APR: 16.99 percent–23.99 percent variable

          Citi Prestige current welcome offer

          The Citi Prestige comes with a respectable 50,000 ThankYou points if you spend at least $4,000 in the first three months. This sign-up bonus is redeemable for $500 in travel if you book through the ThankYou Travel center—effectively offsetting your entire annual fee in the first year.

          While this is a solid bonus, Chase Sapphire Reserve® has a similar welcome offer for qualifying cardholders. But 50,000 Chase points (after you spend $4,000 on purchases in the first three months from account opening) is worth $750 in travel—or 50 percent more—if redeemed for travel through Chase Ultimate Rewards.

          Rewards

          The Citi Prestige earns Citi ThankYou points, which provide a solid 1:1 value toward travel through Citi. Luckily, there is a good variety of redemption options, but it’s hard to squeeze extra value out of your points without utilizing Citi travel transfer partners. Waiting till the right moment is no problem, though, since your points won’t expire as long as your account stays open. However, points that are shared with another account expire in 90 days and purchased points must be used within a year.

          Earning rewards

          Unless you bank with Citi, the only way to earn substantial rewards is through spending with your credit card. Your biggest bonus category earns 5X points on air travel and at restaurants (including cafes, bars, lounges and fast-food restaurants—which isn’t always the case), but you’ll also rake in 3X points at hotels and on cruise lines. Naturally, you’ll also earn 1X points on all other purchases.

          If you plan to maximize your rewards for travel, this 5X rewards rate makes the Citi Prestige one of the best cards for restaurants and airlines.

          Redeeming rewards

          Rewards redemption is where Citi Prestige comes into its own. You can use points to cover recent travel purchases (such as flights, hotels and car rentals) or eligible online bills, redeem them for a gift card, pay for purchases at participating retailers, receive them as cash back, donate them to charity or even share them with another person who has a ThankYou account. You may also be able to use points for payments up to $1,000 toward qualifying Citi credit lines, like a mortgage or student loan.

          What’s particularly special about the Citi Prestige is that points earned on this card (and the Citi Premier® Card) can be transferred to a partner airline loyalty program at a transfer ratio of 1:1. Points transfer at this ratio is not available with other no annual fee Citi credit cards.

          How much are points worth?

          Unlike other reward programs like Chase Ultimate Rewards, you can’t redeem your ThankYou points for a higher value toward travel. The best value you can get from your points through Citi is 1 cent apiece toward booking travel, redeeming for gift cards or contributing to your Citi home mortgage or student loan balance.

          Other redemption options typically bring less than a 1:1 value, but your best opportunity to wring more value from your points is to transfer them to a partner Citi travel loyalty program. According to The Points Guy’s point and mile valuations, ThankYou points can be worth up around 1.7 cents with the right transfer partner.

          Benefits

          Outside the pack-in World Elite Mastercard benefits, the Citi Prestige carries the best additional features of any Citi card. If you travel regularly, these perks will elevate your travel experience and more than justify the hefty annual fee.

          Complimentary hotel night

          The Citi Prestige’s complimentary fourth-night hotel stay offer is by far the most popular benefit. Simply book a hotel of your choice through Citi’s online portal for four consecutive nights and you’ll only have to pay for three (excluding taxes and fees). What’s more, you can claim this benefit up to two times per calendar year.

          Up to $250 annual travel credit

          Every year, you’ll automatically receive up to $250 in statement credits toward eligible purchases that fall within the “travel purchases” category. Citi automatically identifies each of these purchases on your card and posts a credit one to two billing cycles later. Qualifying personal travel expenses include purchases from:

          • Airlines
          • Hotels
          • Travel agencies, travel aggregators and tour operators
          • Commuter transportation, including commuter railways, subways and bus lines
          • Taxis, car services and limousines
          • Bridge and road tolls
          • Paid parking lots and garages
          • Cruise lines
          • Ferries

          No worries if you’re hesitant to travel at the moment, your travel credit will also cover supermarket and restaurant purchases through December 2021.

          Other travel perks

          • Priority Pass Select airport lounge access. You and up to two guests can access hundreds of Priority Pass Select VIP lounges worldwide.
          • Global Entry or TSA PreCheck credit. Get up to $100 back in fee credit for Global Entry or TSA PreCheck applications every five years.
          • Concierge service. Cardholders are entitled to Citi’s Concierge service, which gives you access to a personal assistant who can help with travel planning, shopping, restaurant reservations and more.

          Annual Citigold banking relationship bonus credits

          This valuable perk is a bit under-the-radar but can make a difference in offsetting your annual fee each year. By being a Citi Prestige cardmember with a qualifying Citigold wealth management account, you can earn a $145 statement credit within three billing cycles of your assessed $495 annual fee being charged to your card. If you happen to have one or more authorized users, you’ll also receive a $25 statement credit for each $75 authorized user fee on your account.

          Rates and Fees

          The Citi Prestige has an annual fee of $495 and a further $75 for an additional authorized user, but there are no foreign transaction fees. Late payment triggers a fee of up to $40, and a penalty APR of 29.99 percent variable may apply.

          In line with other travel rewards credit cards, there are no introductory APR periods with the Citi Prestige. However, if you need to transfer your balance with Citi, the balance transfer fee is either $5 or 3 percent of the transfer amount (whichever is greater). Both your purchases and balance transfers will be subject to the ongoing 16.99 percent to 23.99 percent variable APR, which is on par with other elite travel cards.

          How the Citi Prestige Credit compares to other premium travel credit cards

          The Citi Prestige’s main rivals are the Chase Sapphire Reserve and The Platinum Card® from American Express. Both of these cards are loaded with more travel benefits, especially travel and purchase protections but have a higher annual fees. Chase Sapphire Reserve offers a seemingly lower 3X rate on travel and dining (after earning your $300 travel credit), but you’ll get a stronger $300 annual travel credit (which covers gas station and grocery purchases through Dec. 31, 2021) and 50 percent more value when redeeming points for travel through Chase Ultimate Rewards.

          The Platinum Card, on the other hand, offers an “equivalent” 5X points for flights and prepaid hotel purchases booked directly with airlines or with American Express Travel, plus a rich portfolio of extra benefits. The Platinum Card stands alongside the Sapphire Reserve as one of the best credit cards for travel insurance and delivers perks like complimentary Marriott Bonvoy and Hilton Honors elite gold status, annual credits for merchants like Uber and Saks Fifth Avenue and top-tier airport lounge access worldwide.

          Citi’s Prestige Card may have a lower annual fee and wider category coverage, but it could be hard to stack up to these rivals’ perks and higher potential point value (The Points Guy’s latest point valuation rates both Chase Ultimate Rewards points and Amex Membership Rewards points at 2 cents apiece). However, the Citi Prestige may be the best choice hands down if you already bank with Citi or are considering other Citi rewards cards. The regular ThankYou points from eligible Citi banking activity and the partial annual fee credits from Citigold can pad out your rewards balance. Citi’s no annual fee rewards cards also compliment the Prestige card incredibly well, perhaps making the most cost-effective issuer card combinations to maximize rewards.

          Источник: https://www.bankrate.com/finance/credit-cards/reviews/citi-prestige-card/
          citi prestige visa or mastercard

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          MBNA Credit Cards

          †† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer and: (a) in order to obtain a "First Eligible Transaction Bonus" of 5,000 bonus points, the account must be used for at least one eligible transaction within the first 90 days of citi prestige visa or mastercard opening that is not subsequently rescinded, the subject of a charge back request or otherwise disputed, and (b) in order to obtain a "Paperless Bonus" of 5,000 bonus points, you must enroll in online banking at www.mbna.ca, and consent to Paperless Statements for the account within the first 90 days of account opening, and not subsequently rescind such enrollment throughout this period. Please allow 8–10 weeks from the transaction date and the Paperless Statement enrollment for the applicable bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account for each of the First Eligible Transaction Bonus and the Paperless Bonus). This promotion is offered by MBNA and may be amended or cancelled at any time without notice.

          Источник: https://www.mbna.ca/en/quebec
          airport security

          This holiday season is shaping up to be a busy time for travel. AAA is predicting an 80% increase in air travel from last Thanksgiving, when most travelers stayed home due to the COVID-19 pandemic, according to The Washington Post. If you're planning on traveling during the holidays, there are ways to avoid standing in a long security line at the airport. 

          TSA PreCheck, Global Entry and Clear are programs that allow you to breeze through airport security. But before you plunk down money on these program fees -- and after you digested the security and privacy concerns of enrolling such a program -- you may want to look at the many credit cards that cover the costs. Similarly, you can redeem loyalty points or frequent-flyer miles to get a free TSA PreCheck, Global Entry or Clear membership.

          To save you from digging through the details of your next credit card statement or rewards program FAQ page, I've assembled in one convenient spot the credit cards and loyalty programs that cover all or some of the cost of TSA PreCheck, Global Entry or Clear. Check out the lists and links below.

          Related: Best travel credit cards for 2021

          What do these programs do?

          TSA PreCheck and Global Entry are run by the US government, while a private company operates Clear. 

          • TSA PreCheck is run by the US Transportation Security Administration and expedites the airport security screening process. This gets you access to a faster PreCheck line (where available) and you won't have to remove your shoes, belt, jacket or laptop during the security screening. 
          • Global Entry, run by the US Customs and Border Protection, includes all of the advantages of TSA PreCheck and adds an express line through customs and immigration for international travelers returning to the US. 
          • Clear is privately operated and lets you bypass the main security line or the TSA PreCheck line at the airport. After checking in at a kiosk, you'll be escorted to the front of the security line, where you won't be required to show your ID. Then you'll go through a security screening as usual -- unless you also have PreCheck. Clear also offers a free version of its service called Clear Sports that provides expedited entry into a handful of stadiums around the country.

          Read:TSA PreCheck vs. Global Entry vs. Clear compared

          How much do these programs usually cost?

          TSA PreCheck costs $85 for five years. Global Entry costs $100 for five years. Clear is considerably more expensive at $179 per year. The ideal combination is Global Entry and Clear, letting you breeze through the security line, then going through screening without reorganizing your entire wardrobe. But that's expensive, so, read on.

          How to get TSA PreCheck or Global Entry for free

          In most cases, if a credit card features a TSA PreCheck or Global Entry benefit, it gives you the choice of a $100 credit to cover the cost of Global Entry or an $85 credit to cover the cost of TSA PreCheck. I don't know why you would opt for the latter if both are free. Remember, Global Entry includes all of the benefits of TSA PreCheck and adds a speedier way through US customs and immigration. Some cards, however, offer only an $85 credit, which would leave you with a $15 balance to cover the cost of Global Entry.

          The following credit cards include up to a $100 credit at least every five years to cover a five-year membership to TSA PreCheck or Global Entry:

          In citi prestige visa or mastercard to credit cards, there are a handful of traveler loyalty programs that let you trade points or miles for a free membership to TSA PreCheck.

          How to get Clear for free

          There are fewer ways to get a free or discounted Clear membership, but they do exist. Delta and United frequent flyers as well as Hertz members can get a deal on Clear.

          For Delta flyers, Clear is free for Diamond Medallion members, $109 a year for Platinum, Gold and Silver Medallion members, and $119 a year for General SkyMiles members. 

          On United, Clear free for Premier 1K members, $109 a year for United credit cardmembers in the US and Platinum, Gold and Silver Premier members. And it's $119 a year for MileagePlus members.

          Hertz Gold Plus Rewards members can get Clear for a discounted rate of $129 a year -- a savings of $50.

          Disclaimer: The information included in this article, including program features, program fees, and credits available through credit cards to apply to such programs, may change from time-to-time and are presented without warranty. When evaluating offers, please check the credit card provider's website and review its terms and conditions for the most current offers and information. 

          The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising citi prestige visa or mastercard partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

          Источник: https://www.cnet.com/personal-finance/credit-cards/how-to-get-tsa-precheck-global-entry-and-clear-for-free-this-holiday-season/

          GC Galore

          (Update: Extra Promo Code) GiftCards.com: Save 5% On Virtual Visa Gift Cards With Promo Codes CYBERSALE & CYBERSURPRISE (Ends 11/29/21)

          By Stephen Pepper2 Comments

          GCcom Virtual Visa Gift Cards Promo Code CYBERSALE

          Update 11/29/21: Promo code CYBERSURPRISE should also work. The Deal Save 5% when buying virtual Visa gift cards from GiftCards.com & using one of the following promo codes: CYBERSALE CYBERSURPRISE Direct link to offer (our affiliate link). Key Terms Expires November 29, 2021 or while supplies last. Limit 3. Maximum discount … [Read more.]

          How To Redeem Happy, Giving Good & Choice “Swap” Gift Cards Online

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          Happy Giving Good Choice Holiday Favorites Gift Cards

          Update: There have been a lot of deals on Happy, Giving Good and Choice gift cards recently, so I thought it could be useful to republish this as it explains how to redeem the 'Swap' cards online. Due to the recent introduction of several new Happy and Giving Good gift card brands, randstad usa near me are now a number of "Swap" cards available in-store and online for those brands. … [Read more.]

          TopCashback: New Slide Users Earn 32% Cashback, Existing Users Earn 8%

          By Stephen Pepper3 Comments

          TopCashback Slide 8% existing users 32% new users

          The Deal TopCashback is offering the following cashback rates when buying gift cards in the Slide app: New users - 32% Existing users - 8% My referral link. You’ll get $5 off your first four orders and I’ll get a $5 credit for each of your first four orders plus this $20 bonus. Key Terms Expiry date unknown. Tips & Ideas It's back! … [Read more.]

          Costco: Buy 2x $50 Spafinder Gift Cards For $67.99 (Limit 5, Ends 12/3/21)

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          Spafinder Gift Card

          The Deal Buy 2x $50 Spafinder gift cards for $67.99 from Costco. Direct link to offer. Key Terms Expires December 3, 2021. Limit 5 per member. Tips & Ideas Costco normally sells these for $20 off and sometimes gives an additional $10 off. This offer is as good as I've seen it though because you're getting a total of $32.01 off. Pay with the Point … [Read more.]

          Amazon: Cyber Monday Gift Card Deals

          By Stephen PepperLeave a Comment

          AMZ 11.29.21

          Update: These deals have started to go live. The Happy Treats offer is for $39.50 which hopefully bodes well for all the other deals being for 20-22% off too because Amazon often only discounts Happy cards by 15%. The Deal Amazon is running the following gift card deals for Cyber Monday (our affiliate links): Physical Gift Cards $50 Happy Treats for $39.50 … [Read more.]

          Jersey Mike’s: Buy $25 Gift Cards & Get $5 Gift Cards Free

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          Jersey Mike's Gift Card

          The Deal Buy $25 Jersey Mike's gift cards & get $5 gift cards free. Direct tarrant county human resources jobs to offer. Key Terms Expiry date unknown. Tips & Ideas It looks like the $5 cards are regular gift cards rather than bonus cards that expire. That means this is a 16.67% discount on $30 worth of Jersey Mike's gift cards which is a decent deal and could be of interest for … [Read more.]

          Romano’s Macaroni Grill: Save 25% On Gift Cards With Promo Code CYBER21 (Ends 11/29/21)

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          Romano's Macaroni Grill Gift Card

          The Deal Save 25% when buying Romano's Macaroni Grill gift cards & using promo code CYBER21. Direct link to offer. Key Terms Expires November 29, 2021. Tips & Ideas Costco offers 25% off Romano's Macaroni Grill gift cards every day of the week, but this offer is useful if you don't have a Costco membership. … [Read more.]

          Complete List Of Restaurant Gift Card/Promo Card Deals

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          Restaurant Gift Card Bonus Card Promotions

          Restaurant chains frequently offer bonus cards when buying their gift cards online and/or in-store. I've made a list below of all the current restaurant gift card/promo card deals that I could find. Please let me know in the comments below if there are any that I'm missing. I'll be keeping this list updated, so I've added it as a menu tab at the top of the page to make it … [Read more.]

          Target: Buy $100 PlayStation Store Gift Cards For $90 (Limit 10, Ends 11/29/21)

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          PlayStation Store Gift Card

          The Deal Buy $100 PlayStation Store gift cards for $90 from Target. Direct link to offer. Key Terms Expires November 29, 2021. Limit 10. Tips & Ideas Dollar General is selling these for 15% off which is still a better deal than this 10% off deal with a further 5% off from a Target RedCard because a) you can get credit card rewards at Dollar General … [Read more.]

          Dave & Buster’s: Buy $50 Gift Cards & Get $10 Free Play Bonus Cards Free

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          Dave & Buster's Gift Card

          The Deal Buy $50 Dave & Buster's gift cards & get $10 free play bonus cards free. Direct link to offer. Key Terms Expiry date unknown. Free play bonus cards expire January 30, 2022. Present barcode to any Team Member to redeem. Limit one per customer per Power Card. Game play value may not be divided into multiple Power Cards. Barcode … [Read more.]

          Ulta Beauty: Buy $100 Gift Cards & Get $20 Bonus Cards Free (Ends 11/29/21)

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          Ulta Beauty Gift Card

          The Deal Buy $100 Ulta Beauty gift cards & get $20 bonus cards free. Direct link to offer. Key Terms Expires November 29, 2021. Bonus cards valid December 26, 2021 to January 29, 2022. Tips & Ideas This is an OK deal if you can make use of the $20 bonus cards during the dates they're valid for. A safer choice would be to buy a Happy gift card at a … [Read more.]

          AMC Theatres: Buy $25 Gift Card & Get $5 Bonus Card Free (Ends 11/29/21)

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          AMC Theatres Gift Card

          The Deal Buy $25 AMC Theatres gift cards & get $5 bonus cards free. Direct link to offer. Key Terms Expires November 29, 2021. Bonus cards expire December 31, 2021. Limit 4 awards per account. Tips & Ideas This is an OK deal if you're planning on visiting AMC in the next month and so can use the $5 card before it expires. … [Read more.]

          Ikea: Buy $100 Gift Card & Get $20 Gift Card Free (11/29/21 Only)

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          Ikea Gift Card

          The Deal Buy $100 Ikea gift card & get $20 Ikea gift card free. Direct link to offer. Key Terms Expires November 29, 2021. Tips & Ideas This is an excellent ally debit card foreign transaction fee because Ikea gift cards don't go on sale very often. The $20 cards are actual gift cards that don't expire which makes the deal even better. … [Read more.]

          Best Buy: Buy $100 PlayStation Store Gift Cards For $90 (Limit 1 Personal, 3 Business)

          By Stephen PepperLeave a Comment

          PlayStation Store Gift Card

          The Deal Buy $100 PlayStation Store gift cards for $90 from Best Buy. Direct link to offer (our affiliate link). Key Terms Personal accounts - limit 1. Business accounts - limit 3. Tips & Ideas Dollar General is offering a 15% discount on PlayStation Store gift cards this week, so that's a better option than this sale. … [Read more.]

          Best Buy: Save 15% On Showtime Gift Cards

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          Showtime Gift Card

          The Deal Save 15% on Showtime gift cards from Best Buy. Direct link to offer (our affiliate link). Key Terms Limit 1 per denomination. Tips & Ideas Best Buy offered a 15% discount on these cards last week along with a bunch of other brands. That sale ended a couple of days ago, but has returned for Showtime. … [Read more.]

          Best Buy: Buy $100 DoorDash Gift Card & Get $15 DoorDash Gift Card Free

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          DoorDash Gift Card

          Update 11/29/21: This offer is finally live. The Deal Buy $100 DoorDash gift card & get $15 DoorDash gift card free from Best Buy. Direct link to offer (our affiliate link). Key Terms Expiry date unknown. Limit 1 per person. Tips & Ideas Best Buy is listing this as a limit of one per person. It'll definitely be a limit of one per transaction … [Read more.]

          Sam’s Club Cyber Monday Gift Card Deals: Carter’s, Gap Options, Domino’s, Applebee’s, IHOP & More

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          Sam's Club Cyber Monday Gift Card Deals

          The Deal Sam's Club is offering deals on the following gift cards for Cyber Monday: 5x $10 Subway for $45 $100 Panera Bread for $85 $50 Applebee's for $39.98 $50 Carter's for $42.50 $50 Vudu for $42.88 3x $15 Domino's for $38.50 $50 Gap Options for $40 $75 IHOP for $59.98 Direct link to offer (our affiliate link). Key Terms Various … [Read more.]

          Citi ThankYou: Save 20% When Redeeming Points For Apple, IHOP & Spafinder Gift Cards (Ends 11/29/21)

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          Citi ThankYou 20% Discount On Gift Cards

          The Deal Save 20% when redeeming Citi ThankYou points for the following gift card brands: Apple IHOP Spafinder Key Terms Expires November 29, 2021 at 11:59pm ET. Tips & Ideas Hopefully you didn't redeem your points for Apple gift cards as part of their Black Friday sale because that discount was only for 15%. … [Read more.]

          PSA: Kroger Only Giving 2x Fuel Points At Some Stores, Not 4x

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          Kroger logo

          Apologies for the citi prestige visa or mastercard delayed warning about this, but there have been reports today of some Kroger stores and those of its affiliates only awarding 2x fuel points on gift card purchases instead of 4x from the latest promotion. I'm not aware of any kind of pattern with this as it seems to be happening randomly. To play it safe for now, it'd be worth buying a low … [Read more.]

          Office Depot/OfficeMax: Buy $300+ Mastercard Gift Cards & Save $15 Instantly

          By Stephen Pepper4 Comments

          Mastercard Gift <a href=First united bank mortgage payment Deal Buy $300+ Mastercard gift cards & get $15 off instantly at Office Depot/OfficeMax. Key Terms Expires December 4, 2021. Limit 1 per household/business. Tips & Ideas The best option to maximize the number of points you'll earn is to buy two $200 Mastercard gift cards. You'll get $398.90 of spend which will net you almost 2,000 Ultimate Rewards … [Read more.]

          Fetch Rewards: Buy 2x $25 Happy, Giving Good Or Choice Gift Cards & Get 5k ($5) Points (Buy At Target & Home Depot Only)

          By Stephen PepperLeave a Comment

          Fetch Rewards Target Happy Choice Giving Good

          The Deal Buy 2x $25 Happy, Choice or Giving Good gift cards at the following retailers & get 5,000 points from Fetch Rewards: Target Home Depot My referral link – my referral code is D2CA8 if needed (we’ll both earn 2,000 points worth $2). Key Terms Offer valid on receipts dated November 23-29, 2021. Limit 2 offer submissions per user, 2 offer … [Read more.]

          Raise: Save 5% Sitewide With Promo Code CYBER (Ends 11/29/21)

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          Raise Promo Code CYBER

          The Deal Save 5% sitewide on Raise when using promo code CYBER. Direct link to offer (our affiliate link). Key Terms Expires November 29, 2021. Maximum savings of $20. Limit 1 use per bmw card key. Not valid on cash back gift cards. Tips & Ideas 5% off sitewide is a decent offer, so buy any cards you're interested in ASAP as the best discounts go … [Read more.]

          AAFES: Buy $50 Select Gift Cards & Get $10 AAFES Gift Card Free (Steam, GameStop, Hulu & More)

          By Stephen PepperLeave a Comment

          AAFES 11.28.22

          The Deal Buy $50 gift cards for the following brands at AAFES & get $10 AAFES gift cards free: Steam Hulu GameStop PlayStation Store Nintendo eShop Direct link to offer. Key Terms Expires December 2, 2021. Tips & Ideas This is a great deal, especially for Steam gift cards that don't normally go on sale. h/t Slickdeals … [Read more.]

          Increased Dell Shopping Portal Rates (Good For Xbox Gift Cards)

          By Stephen Pepper8 Comments

          $25 Xbox Gift Card

          I thought it would be useful to put together a resource highlighting when shopping portal rates for Dell are higher than normal. That's because purchases of Xbox gift cards via Dell track on portals and so that can be a great deal when stacked with other deals like the XBOX10 promo code giving 10% off and various Dell Amex Offers. You can find a list of all the current Dell … [Read more.]

          Amazon: Buy $100 Apple Gift Card & Get $15 Amazon Promo Credit With Promo Code APPLENOV

          By Stephen Pepper3 Comments

          Apple Gift Card

          The Deal Buy $100 Apple gift card from Amazon & get $15 of Amazon promo credit free when using promo APPLENOV. Direct link to offer (our affiliate link). Key Terms Limit 1. Tips & Ideas This offer goes live at 9am ET. I imagine it'll be a popular deal, so be sure to buy ASAP in case it sells out quickly. Note that it's not a $15 discount. Instead, … [Read more.]

          Office Depot/OfficeMax: Buy $100 Select Gift Cards & Citi prestige visa or mastercard $25 Rewards (Bed Bath & Beyond, Netflix, Uber, Hulu & More)

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          Office Depot OfficeMax Gift Card Deal Spend $100 Get $25 Rewards

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          AAA: Buy Fee-Free Visa Gift Cards In Some Locations

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          Update 11/28/21: This is available through December 31, 2021. h/t Eric Update 11/17/21: This offer is back again in some areas, but I don't know what the expiry date is. h/t Doctor of Credit The Deal Buy Visa gift cards from select AAA locations with no activation fee. Key Terms Expiry credit union st louis mo unknown. Tips & Ideas Based on past deals, this might be … [Read more.]

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          Price Chopper (NY/PA) Earn 5x Points On All 3rd Party Gift Cards (Ends 12/11/21)

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          Walgreens 11.28.21

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          Источник: https://gcgalore.com/

          Citi Prestige® Card review

          Snapshot

          Bankrate rating
              Citi Image

              Citi Prestige® Credit Card

              Rewards rate

              1X–5X

              Intro bonus

              50,000 points

              Regular APR

              16.99% - 23.99% variable APR based on your creditworthiness*

              Recommended Credit Score

              Excellent  (740 - 850)

              Citi is an advertising partner.

              Citi Prestige® Card Overview

              The Citi Prestige® Card is a premium travel credit card offering select luxury travel perks for frequent flyers. While its $495 annual fee is not for the fainthearted, regular travelers can make their money back easily by taking advantage of Citi Prestige benefits like a complimentary fourth-night hotel stay and an annual $250 travel credit. The card has a generous rewards rate too, so you can accelerate your ThankYou points balance and get more for your spending.

              What are the advantages and disadvantages?

              Pros

              • 5X points on air travel and restaurant purchases; 3x points on hotels and cruise line purchases; 1X point on all other purchases
              • Get the fourth night free when booking four consecutive nights or more at any hotel through Citi ThankYou.
              • $250 annual travel credit, which also includes supermarket and restaurant purchases through December 2021
              • up $100 application fee credit for Global Entry to TSA PreCheck every five years
              • Priority Pass Select VIP airport lounge access
              • Pairs well with other no annual fee Citi rewards cards

              Cons

              • $495 annual fee
              • ThankYou points are only worth up to 1 cent each unless transferred to travel partner
              • Fewer travel benefits and protections compared to other similarly-priced travel cards
              • No intro purchase or balance transfer APR

              A deeper look into the current card offer

              Quick highlights

              • Rewards rate: 5X points on air travel and restaurant purchases; 3x points on hotels and cruise line purchases; 1X point on all other purchases
              • Welcome offer: 50,000 bonus ThankYou points after spending $4,000 within three months of account opening
              • Annual fee: $495
              • Purchase intro APR: None
              • Balance transfer intro APR: None
              • Regular APR: 16.99 percent–23.99 percent variable

              Citi Prestige current welcome offer

              The Citi Prestige comes with a respectable 50,000 ThankYou points if you spend at least $4,000 in the first three months. This sign-up bonus is redeemable for $500 in travel if you book through the ThankYou Travel center—effectively offsetting your entire annual fee in the first year.

              While this is a solid bonus, Chase Sapphire Reserve® has a similar welcome offer for qualifying cardholders. But 50,000 Chase points (after you spend $4,000 on purchases in the first three months from account opening) is worth $750 in travel—or 50 percent more—if redeemed for travel through Chase Ultimate Rewards.

              Rewards

              The Citi Prestige earns Citi ThankYou points, which provide a solid 1:1 value toward travel through Citi. Luckily, there is a good variety of redemption options, but it’s hard to squeeze citi prestige visa or mastercard value out of your points without utilizing Citi travel transfer partners. Waiting till the right moment is no problem, though, since your points won’t expire as long as your account stays open. However, points that are shared with another account expire in 90 days and purchased points must be used within a year.

              Earning rewards

              Unless you bank with Citi, the only way to earn substantial rewards is through spending with your credit card. Your biggest bonus category earns 5X points on air travel and at restaurants (including cafes, bars, lounges and fast-food restaurants—which isn’t always the case), but you’ll also rake in 3X points at hotels and on cruise lines. Naturally, you’ll also earn 1X points on all other purchases.

              If you plan to maximize your rewards for travel, this 5X rewards rate makes the Citi Prestige one of the best cards for restaurants and airlines.

              Redeeming rewards

              Rewards redemption is where Citi Prestige comes into its own. You can use points to cover recent travel purchases (such as flights, hotels and car rentals) or eligible online bills, redeem them for a gift card, pay for purchases at participating retailers, receive them as cash back, donate them to charity or even share them with another person who has a ThankYou account. You may also be able to use points for payments up to $1,000 toward qualifying Citi credit lines, like a mortgage or student loan.

              What’s particularly special about the Citi Prestige is that points earned on this card (and the Citi Premier® Card) can be transferred to a partner airline loyalty program at a transfer ratio of 1:1. Points transfer at this ratio is not available with other no annual fee Citi credit cards.

              How much are points worth?

              Unlike other reward programs like Chase Ultimate Rewards, you can’t redeem your ThankYou points for a higher value toward travel. The best value you can get from your points through Citi is 1 cent apiece toward booking travel, redeeming for gift cards or contributing to your Citi home mortgage or student loan balance.

              Other redemption options typically bring less than a 1:1 value, but your best opportunity to wring more value from your points is to transfer them to a partner Citi travel loyalty program. According to The Points Guy’s point and mile valuations, ThankYou points can be worth up around 1.7 cents with the right transfer partner.

              Benefits

              Outside the pack-in World Elite Mastercard benefits, the Citi Prestige carries the best additional features of any Citi card. If you travel regularly, these perks will elevate your travel experience and more than justify the hefty annual fee.

              Complimentary hotel night

              The Citi Prestige’s complimentary fourth-night hotel stay offer is by far the most popular benefit. Simply book a hotel of your choice through Citi prestige visa or mastercard online portal for four consecutive nights and you’ll only have to pay for three (excluding taxes and fees). What’s more, you can claim this benefit up to two times per calendar year.

              Up to $250 annual travel credit

              Every year, you’ll automatically receive up citi prestige visa or mastercard $250 in statement credits toward eligible purchases that fall within the “travel purchases” category. Citi automatically identifies each of these purchases on your card and posts a credit one to two billing cycles later. Qualifying personal travel expenses include purchases from:

              • Airlines
              • Hotels
              • Travel agencies, travel aggregators and tour operators
              • Commuter transportation, including commuter railways, subways and bus lines
              • Taxis, car services and limousines
              • Bridge and road tolls
              • Paid parking lots and citi prestige visa or mastercard lines
              • Ferries

              No worries if you’re hesitant to travel at the moment, your travel credit will also cover supermarket and restaurant purchases through December 2021.

              Other travel perks

              • Priority Pass Select airport lounge access. You and up to two guests can access hundreds of Priority Pass Select VIP lounges worldwide.
              • Global Entry or TSA PreCheck credit. Get up to $100 back in fee credit for Global Entry or TSA PreCheck applications every five years.
              • Concierge service. Cardholders are entitled to Citi’s Concierge service, which gives you access to a personal assistant who can help with travel planning, shopping, restaurant reservations and more.

              Annual Citigold banking relationship bonus credits

              This valuable perk is a bit under-the-radar but can make a difference in offsetting your annual fee each year. By being a Citi Prestige cardmember with a qualifying Citigold wealth management account, you can earn a $145 statement credit within three billing cycles of your assessed $495 annual fee being charged to your card. If you happen to have one or more authorized users, you’ll also receive a $25 statement credit for each $75 authorized user fee on your account.

              Rates and Fees

              The Citi Prestige has an annual fee of $495 and a further $75 for an additional authorized user, but there are no foreign transaction fees. Late payment triggers a fee of up to $40, and a penalty APR of 29.99 percent variable may apply.

              In line with other travel rewards credit cards, there are no introductory APR periods with the Citi Prestige. However, if you need to transfer your balance with Citi, the balance transfer fee is either $5 or 3 percent of the transfer amount (whichever is greater). Both your purchases and balance transfers will be subject to the ongoing 16.99 percent to 23.99 percent variable APR, which is on par with other elite travel cards.

              How the Citi Prestige Credit compares to other premium travel credit cards

              The Citi Prestige’s main rivals are the Chase Sapphire Reserve and The Platinum Card® from American Express. Both of these cards are loaded with more travel benefits, especially travel and purchase protections but have a higher annual fees. Chase Sapphire Reserve offers a seemingly lower 3X rate on travel and dining (after earning your $300 travel credit), but you’ll get a stronger $300 annual travel credit (which covers gas station and grocery purchases through Dec. 31, 2021) and 50 percent more value when redeeming points for travel through Chase Ultimate Rewards.

              The Platinum Card, on the other hand, offers an “equivalent” 5X points for flights and prepaid hotel purchases booked directly with airlines or with American Express Travel, plus a rich portfolio of extra benefits. The Platinum Card stands alongside the Sapphire Reserve as one of the best credit cards for travel insurance and delivers perks like complimentary Marriott Bonvoy and Hilton Honors elite gold status, annual credits for merchants like Uber and Saks Fifth Avenue and top-tier airport lounge access worldwide.

              Citi’s Prestige Card may have a lower annual fee and wider category coverage, but it could be hard to stack up to these rivals’ perks and higher potential point value (The Points Guy’s latest point valuation rates both Chase Ultimate Rewards points and Amex Membership Rewards points at 2 cents apiece). However, the Citi Prestige may be the best choice hands down if you already bank with Citi or are considering other Citi rewards cards. The regular ThankYou points from eligible Citi banking activity and the partial annual fee credits from Citigold can pad out your rewards balance. Citi’s no annual fee rewards cards also compliment the Prestige card incredibly well, perhaps making the most cost-effective issuer card combinations to maximize rewards.

              Источник: https://www.bankrate.com/finance/credit-cards/reviews/citi-prestige-card/

              Fidelity® Rewards Visa Signature® Card

              We may change APRs, fees, and other Account terms in the future based on citi prestige visa or mastercard experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

              1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program other than Fidelity Rewards.

              2.

              Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than the value of the points you earn if you do not pay your bill in full each month.

              3.

              To receive a deposit, you must link your eligible Fidelity® account to your card. This can be accomplished in any of following ways. 1. You may contact Elan Financial Services Customer Service at the toll-free phone number located on the back of your credit card and provide them with your eligible Fidelity® account (s) number. 2. Simply select the “Manage Reward Points” hyperlink from the credit card snapshot page on Fidelity.com and follow the easy steps. You may also watch a brief video that describes the linking process on the credit card snapshot page also found on Fidelity.com. Please note that automatic redemptions will occur on a monthly basis as long as you have reached the point redemption threshold of 2,500 Points.

              4.

              Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable® Giving Account®, Fidelity HSA®, and Fidelity®-managed 529 College Savings Plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Guidelines new card customers receive with their card. Contributions to Fidelity Charitable® are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (800-343-3548).

              5. Certain restrictions apply to each benefit. Details accompany new account materials.

              6.

              Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

              7.

              Cardmembers are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardmembers’ behalf.

              8. Fidelity Rewards+ generally requires $250,000 invested through Fidelity® Wealth Services, Fidelity® Strategic Disciplines, or a combination of both registered as an individual account, a joint account, or certain types of revocable trusts. Assets in other registration types, such as irrevocable trusts, partnerships, or LLCs, will not be included when determining www prudential com employee forms eligibility. Fidelity Rewards is not offered as a component of any advisory service or program through Fidelity, including, without limitation, Fidelity® Wealth Services and Fidelity® Strategic Disciplines. While there are no program enrollment fees, eligible managed accounts are charged an advisory fee.

              The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

              Fidelity Charitable® is the brand name for Fidelity Investments® Charitable Gift Fund, an independent public how much does paypal charge for a business account with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license.

              "Giving Account" is a registered service mark of the Trustees of Fidelity® Citi prestige visa or mastercard and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.

              Google, Google Pay and the Google Logo are trademarks of Google LLC.

              ©2020 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law.

              © 2021 The Kiplinger Washington Editors. Used under License.

              Fidelity Go® provides discretionary investment management for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments citi prestige visa or mastercard creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

              Fidelity® and Elan Financial Services are separate companies.

              Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to a license from Visa U.S.A., Inc.

              Third-party trademarks appearing herein are the property of their respective owners. All other service marks are property of FMR LLC.

              Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

              Источник: https://www.fidelity.com/cash-management/visa-signature-card

              How the Modi government wrecked India’s small businesses

              The last five years appear to us as a series of 100-meter sprints for India’s small businesses and informal workers, one at a time. Be it for demonetisation, or Goods and Services Tax (GST) or the lockdown, each time the citizens are expected to run and endure what is called momentary hardships, purportedly to achieve what is said to be a “noble goal.”

              At times it is “ache din” (good days), “Digital India”, “surgical strike on black money”, “15 lakh rupees ($20,015.13) to every citizen”, “Make in India”, “Aatma Nirbhar Bharat”, “five trillion economy”—a carrot that changes every once in a while. Each one is packaged with the correct mix of demagoguery, branding, and high decibels in the media newsrooms that have rendered us into a country that lives in short bursts and even shorter memories.

              The manufactured euphoria is used as a smokescreen that shrouds the larger picture—a marathon race to the finish. A race that was flagged off with the slogan of “sabka saath sabka vikas,” but which over the years has been designed to decimate the small entrepreneurs and the informal sector in favour of big capital.

              First blood: Demonetisation

              One of the first hurdles that were erected on the tracks of the small business was demonetisation. The banning of Rs500 and Rs1,000 notes that overnight rendered 86% of India’s currency null and void, five years back, is one of the many moves that perfectly spotlights this game plan of the current regime. It had everything. The surprise announcement at 8pm on Nov. 7, 2016, that shocked and awed the country.

              Scroll.in

              The announcement did not talk about the preparation for its implementation but demanded to rise above our individual hardships, endure the pain for just 50 days to rid the country of the evils of black money, terrorism, and even sams club mankato phone number. That was enough for the ever-faithful media to peddle stories of a daring “surgical strike” on black money, of new Rs2,000 notes having tracking chips, and so on. And anyone who questioned was branded an anti-national coming in the way of the “noble goal.”

              Behind the charade of the “surgical strike” on black money what is carefully hidden is the global war on cash that has been pushed by the big capital through the Better than Cash Alliance funded by United States Agency for International Development, Bill and Melinda Gates Foundation, Citi Foundation, Ford Foundation, Mastercard, Omidyar Network and Visa Inc. An alliance that India joined exactly a year before demonetisation.

              “The stated intention of the cashless push,” as explained by Tony Joseph, “is to make it impossible for the informal sector to survive as it does today—even though it employs more than 70% of India’s labour.” While proponents of a cashless economy spoke of the necessity of the “creative destruction” of the informal sector, he warns of the immense job loss and uncertainty that any such forced digitisation would entail for a country like India. This is precisely what we saw unfold since demonetisation.

              For a cash-intensive unorganised sector, demonetisation came as a bolt from the blue. With a dearth of working capital, the micro and small enterprises were in no position to pay and lakhs of workers abandoned small towns and cities to return to their villages. Bihar’s finance minister in December 2016 said 95% of migrants had returned home because their employers had no money to pay their salaries.

              In a December 2016 study, the All India Manufacturers’ Organisation reported 40% and 32% job losses in the age groups of 40 years to 55 years and 22 years to 30 years respectively during the first 50 days of demonetisation. By the end of the year, it was clear that the smaller the units, the more susceptible they were.

              So, small-scale traders, shops and micro industries witnessed 60% job losses and suffered a 47% dip in revenue while large-scale industries suffered only 2% job losses and a 3% revenue dip during the same period.

              Structural blow: GST

              The unorganised sector had hardly found their footing back in the race when yet another hurdle was erected on their track, this time in the name of Goods and Services Tax. It once again threw the economy on a tailspin.

              Scroll.in

              Yet again, it was said that the strains would be short-lived. We were once again asked to endure for the cause of formalisation which it was said would in the long run take the country to newer heights. There is a good reason in fact to believe that the GST was a bigger and more structural blow to the unorganised and small entrepreneurs than even the shockwave of demonetisation.

              The economics of logistics of the GST framework was completely skewed against the survival of the small players and in terms of market share helped in augmenting the footprint of the larger companies and big organised retail brands.

              As has been pointed out by various economists, be it the next-door kirana shops or the local service providers, their survival depends largely on non-compliance as it is only by this means that they are able to offer competitive prices vis-a-vis the bigger players.

              To subject them to official rates and to burden them with the cost of compliance was to basically translate into throwing at least most of them out of the race. And that is precisely what happened. We heard the Executive Chairman of Prestige Group saying “Thanks to GST, the unorganised competition is reducing. There are three or four organised players.” Rest could not keep up.

              “That is why I called GST, Ground Scorching Tax—it is at the ground level that the economy is getting damaged,” said economist and author Arun Kumar in an interview.

              Fatal fall: Lockdown

              A report by Transunion Cibil and Sidbi said that by the end of 2019, micro, small and medium enterprises with exposures from Rs10 lakh to Rs10 crore had recovered to pre-demonetisation levels, but the segment with exposure of less than Rs10 lakh was still far from recovery.

              Scroll.in

              The unorganised sector was desperately trying to get back on its feet when in 2020 yet another hurdle was put on their tracks. This time even a deadlier one that knocked them down—the covid-19 lockdown. The most stringent state-imposed lockdown ever recorded in human history was declared with a four-hour head start bringing the country to a standstill and a silent migration in motion.

              The propaganda machinery was yet again unleashed to sing the song of endurance for just a few weeks for the country to emerge strongly in the war against the virus, a war that we evidently failed in by the time of the second wave.

              The lockdown completely disrupted the economy, the heaviest price being paid yet again by the unorganised sector that was already crippled by the blows of demonetisation and GST. The effect was particularly skewed against women in the labour force.

              As per a study (pdf), while only 19% of women remained employed, 47% had not returned to work till the end of 2020. Among them, domestic workers and sex workers (who are predominantly women) were among the worst affected. Though invisibilised in official data, it was widely reported how women lost their small savings owing to demonetisation and even had to face domestic violence, which further intensified during the lockdown.

              Unorganised workers impacted

              As to the fate of the unorganised sector at large, the All India Manufacturers’ Organisation in association with nine other industry associations in a study of over 42,000 self-employed and micro-entrepreneurs, found that a third of them were on the verge of closing down (pdf) and more than 70% were forced to fire workers.

              A detailed survey of 400 firms conducted (pdf) in mid-2020 found that microenterprises lost 20% of annual sales, while medium and large enterprises lost about 11%. The study estimated that microenterprises could retain only 37% of their workers, while the number for large enterprises was 57%. This was before the second wave came to our shores.

              The account of Med Khan, a knife sharpener in Mumbai is moving. For him, the pandemic was an accelerator of something that was already in motion. “Most people buy stainless steel knives from Amazon and do not need my service,” he said.

              Shaktiman Ghosh, the General Secretary of the National Hawkers Federation, in an interview said that during the nationwide lockdown only 10% of hawkers selling fruits, vegetables and groceries were able to stay operational. More than 80% of hawkers were not able to even open their makeshift shops. It was devastating for them as about 60% of hawkers, he said, are hand to mouth depending on their daily earnings to survive.

              It has been stiffly contested, and also belied by the horrors of the second wave, as to whether such a stringent lockdown was the way to handle the pandemic. But one thing is certain, it further solidified the footing of big digitised retail on the already floundering small players, hawkers, and itinerant service providers. Grofers, for instance, claims that amongst the new users in 2020, 64% were first-time online grocery shoppers, while for 20% it was their first interface with e-commerce. Flipkart too boasts of a new user growth of close to 50% right after the lockdown and the bulk of them were in fact from the so far under-tapped tier-3 cities making the lockdown stand out as an inflexion point for online retail.

              Cumulatively seen, the demonetisation, the GST, or the lockdown are in fact not short sprints—but a continuum—a five-year-long marathon—that has turned into a death trap for small businesses employing the bulk of the informal workforce. They have either been bought over or their market share has been steadily eroded by big business.

              Recent National Crime Records Bureau data reveal that the pandemic year of 2020 saw more suicides among business people in India than even farmers. Among those who took the noose were mostly vendors (36%) and tradesmen (37%). Hate, bigotry and carefully camouflaged promises have either kept us distracted from these stark realities or have turned us into cheerleaders for a misplaced sense of pride. How long before we put an end to this death race?

              The authors are researchers at the Centre for Financial Accountability and analyse the government’s financial decision making from a people-centric perspective.

              The piece was originally published on Scroll.in. We welcome your comments at [email protected]

              Источник: https://qz.com/india/2095466/demonetisation-gst-covid-lockdown-wrecked-indias-small-traders/