Citibank has been quietly making some tweaks to the T&Cs of the Citi Prestige card. We already know that there’ll be some upcoming negative changes to the 4th Night Free benefit (tl;dr: more restrictions on qualifying stays, bookings must be prepaid), but it seems the limo benefit is changing too, and thankfully for the better.
A few days ago, sharp-eyed members of the Citi Prestige Telegram group spotted that the wording for the limo benefit had been modified. However, there was some confusion because the terms contradicted each other- one section said that the minimum spend had been reduced to S$12K. Another section quoted the usual S$20K.
Which was it? No one dared to hope, but thankfully Citi has cleared things up in an new version.
Minimum spend for limo lowered to S$12K per quarter
Effective immediately, Citi has cut the spending requirement for airport transfers by 40%, from S$20K to S$12K per quarter.
Before we get all starry-eyed over this, let’s remember that in April 2019, Citi hiked the limo spending requirement dramatically. It used to take just S$1.5K of foreign currency spend in a quarter to unlock four rides. After the nerf, it took S$20K spend to unlock two rides- a 13X hike in spending, with a 50% cut in allowance. So while S$12K is certainly better than S$20K, it’s a far cry from what things used to be.
I’m assuming this change applies retroactively, in that qualification for Jan-Mar 2020 will now follow the reduced threshold. If in doubt, you’ll want to check directly with Citi customer service.
Do remember that you can use Citi PayAll to meet the minimum spending, which may be useful for those of you with rental, education, condo fees, taxes or electricity bills to pay. Citi now states this explicitly in the T&C, which hopefully puts an end to all doubts.
How does this compare to other cards?
I recently updated the article comparing airport limo benefits among cards in Singapore. Of the five cards that offer this perk, the Citi Prestige still has the highest spending requirement.
|Card||Qualifying Spend (QS)||Rides per QS||Max Uses|
|UOB PRVI Miles AMEX||S$1K FCY spend per quarter (excludes online)||2||2 per quarter, 8 per year|
|Citi Prestige||S$12K spend per quarter||2||2 per quarter, 8 per year|
|HSBC Visa Infinite||S$2K spend per month||1 (2 free per year, 4 free for HSBC Premier customers)||24 per year (includes the free trips)|
|Maybank Visa Infinite||S$3K spend per month (no min spend if ≥$60K spending in prev. membership year)||2||8 per year|
|OCBC VOYAGE||S$3K spend per month||1||2 per month|
A much better option for free limo rides is the UOB PRVI Miles AMEX, which requires just S$1K foreign currency spending per quarter to unlock two free rides.
I mentioned before that because of the astronomical spending requirement, the Citi Prestige to me for all intents and purposes doesn’t have a limo benefit. Even with this 40% reduction, my view on the matter hasn’t changed.
If you want to get a Citi Prestige for the unlimited lounge access, Boingo inflight Wi-Fi and 4th Night Free benefit, go right ahead- you’ll get good value. But you shouldn’t be factoring the limo into your decision, unless you’re regularly putting large amounts of spending on the card.
Citi’s reduced spending requirement for airport transfers is welcome, but it hardly reverses the damage done by the April 2019 devaluation.
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