This promotion is back for those that missed it last time or for those that don’t have this card fee free for life. Now you have the option of bonus points or 26 months interest free on balance transfers (2.5% BT fee applies).

Rewards points can be converted into into frequent flyer miles including Emirates Skyward Miles, Velocity Frequent Flyer and Singapore Airlines KrisFlyer. As well as to buy gift cards or items from the store. Receive 100,000 points when you spend $3,000 in 90 days from card approval.

100,000 points will get you:

40,000 Velocity Frequent Flyer points
33,000 Emirates Skyward Miles and KrisFlyer Miles
Prepaid Gift Cards worth $470
A portion can also be used to cover the annual fee…

  • Discounted annual fee – $49 annual fee in the first year (reverts to a discounted $149 fee in subsequent years)
  • 0% p.a. for 15 months on balance transfers (1% balance transfer fee applies) – Cash advance rate applies after 15 months
  • Interest free days – Enjoy up to 55 days interest free on your purchases.
  • Free wine when you dine – Receive a complimentary bottle of wine on us every time you dine at hundreds of partner restaurants.
  • Complimentary International Travel Insurance, Purchase Cover Insurance and Extended Warranty Insurance.
  • Exclusive access to the hottest tickets in town – With Visa Front Line Access, get your hands on some of the hottest tickets in town before they’re released to the general public.
  • Point earn rate is 1 Point per dollar.

Min credit limit $6,000 Max credit limit $100,000
Minimum Income $35,000

Bonus rewards points also for the Prestige and Signature cards but they have a higher annual fee:

There is also the Citibank Simplicity card with no annual fee for life… and you can get $50 cashback (5% back on each retail purchase)