Here’s something important to take note of if you’re currently spending with Apple Pay and Citibank to earn 20X points (8 mpd).
Originally there were no excluded MCCs on the list, but the T&Cs have been quietly updated to exclude MCC 5944: Clock, jewelry, silverware and watch stores.
I guess this was totally foreseeable, but people must have been using this time to make all those luxury purchases they always dreamed about. If your high end watch boutique or jewelry store takes Apple Pay, why not earn 8 mpd while you’re at it? I know I was certainly asking every store about Apple Pay when picking out my wedding bands.
I would assume that any purchases made up to and including the date of the change (5 July 2018) are safe, but it doesn’t help that the change was made quietly. There are no doubt going to be quite a few worried people monitoring their Citi points balance over the next few days waiting to see what happened with their recent transactions.
It’s poor form when banks change the T&Cs of promotions, but there’s precious little we can do but to point it out when it happens.