Classic Plus Card - Frequently Asked Questions

Your PayPal Rewards Card (Credit Card) Terms and Conditions and Rewards Terms and Conditions will change on 16 October 2022.

In addition, the Financial Table that forms part of your contract will change on 16 October 2022, with any reference to "PayPal Rewards Card" replaced with "Classic Plus Card".

Your Credit Card Terms and Conditions and Citi Rewards Program Terms and Conditions will apply on and from 16 October 2022.

The issuer will be National Australia Bank Limited, same as your current card. National Australia Bank Limited ('NAB') entered into an agreement with Citigroup Pty Ltd ("Citi") last year to acquire the Citi consumer banking business in Australia. As of 1 June 2022, NAB is the provider of your product.

This will happen on 16 October 2022.

You will no longer be able to manage your account via PayPal Rewards Card Online. To continue to manage your account online, you will need to register via Citi Online or the Citi Mobile^® App.

You will also have access to the Customer Service Centre for additional support.

The following will remain the same:

1. - Fees and charges, including $0 Annual Fee and interest rates
2. - Account and card numbers
3. - Concierge Services
4. - Points earn rate. You will still earn 1 Point per $1 spent on eligible transactions.
5. - Pay with Points will continue to be available, however you can now access it through Citi Online or the Citi Mobile^® App, and not via PayPal Rewards Card Online.

The following changes will apply:

1. - The name of your account and rewards program will change from PayPal Rewards Card and PayPal Rewards Card Rewards Program to Classic Plus Card and Citi Rewards Program.
2. - The Classic Plus Card will be mailed to eligible customers to replace the PayPal Rewards Card. If you would like to continue to spend on your account, please activate the card online by 30 November 2022, or call the Customer Service Centre on 13 24 84 after 30 November 2022 for card activation assistance. Once your Classic Plus Card is activated, your PayPal Rewards Card can no longer be used.
3. - The way that you manage your account online will change. You will no longer be able to manage your account through PayPal Rewards Card Online. To manage your account online, you will need to register via Citi Online or the Citi Mobile^® App. Please note, PayPal Rewards Card Online will be deactivated on 16 October 2022.
4. - The rewards program will no longer be associated with PayPal. You will no longer be able to redeem your points at the PayPal checkout and your outstanding PayPal Points balance will become Citi reward Points. If you want to redeem your existing points at the PayPal checkout, you will need to do so before 16 October 2022. However, any points you have that you don't redeem will become Citi reward Points.
5. - Communications about your account and rewards will be branded Citi, i.e., Statements, Notices, emails, alerts.

Please view a summary of your features and benefits here.

Yes, your terms and conditions will change.

Your Credit Card Terms and Conditions and Citi Rewards Program Terms and Conditions will apply on and from 16 October 2022.

Yes, the PayPal privacy policy will no longer be applicable. Only the NAB and Citi privacy policy will be applicable to your card and account.

You’ll have the protection of both NAB's Privacy Policy and Citi's Privacy Policy ensuring your information (including your personal, sensitive and credit-related information) is handled safely. The policies also set out how to request access to or seek correction of your information or make a privacy-related enquiry or complaint.

You can find the Privacy Collection Statement here. It explains how we collect, use, hold and disclose your customer information.

No, there is no cost to you associated with the change.

From early September 2022 onwards, customers are being advised of the changes via email or letter.

No, your interest rate and fees will not change as a result of this switch.

No, existing Instalment Plans or Balance Transfers will not be affected, and you will continue to receive the same rate over the agreed term. The BPAY Biller Code will remain the same so you can continue to make payments as you normally would.

No, you will no longer be able to redeem reward points to pay for certain selected transactions at the PayPal checkout from 16 October 2022. If you would like to use this redemption option, please do so before 15 October 2022.

If you are able to earn and redeem points and don't activate your Classic Plus Card by 30 November 2022, after that date, we'll send you a cheque for the value of your accrued and unused points and your rewards balance will be reduced to zero.

Please call us on 13 24 84.

Yes, you can continue to use your PayPal Rewards Card until 30 November 2022. If you would like to continue to spend on your account after 30 November 2022, please activate your new Classic Plus Card online by 30 November 2022, or call the Customer Service Centre on 13 24 84 after 30 November 2022 for card activation assistance. Once you activate your Classic Plus Card, your PayPal Rewards Card will stop working.

No, your existing card will not be removed. If you would like to continue using your card in your PayPal wallet, you will need to activate your new Classic Plus Card before 1 December 2022. From 1 December 2022, any cards which are not activated will be blocked.

If you are able to earn and redeem points and don't activate your Classic Plus Card by 30 November 2022, after that date, we'll send you a cheque for the value of your accrued and unused points and your rewards balance will be reduced to zero.

No, your balance will remain the same as a result of the switch to the Classic Plus Card.

Yes, the changes also apply to additional cardholders. Please note that all notifications about this will be sent to the primary account holder.

No, Apple Pay and Samsung Pay will not be available for your Classic Plus Card.

No, recurring transactions will not be impacted by this change.

Please refer to your monthly statement for full details on how you can pay.

No, your direct debits will remain in place and will not be impacted by this change.

Yes, your statement date and payment due dates will remain the same.

Until 15 October 2022, the way you currently access and manage your account(s) online will remain the same and you can access via PayPal Rewards Card Online. From 16 October 2022, you will need to register via Citi Online or the Citi Mobile^® App for online account access. Download the app via the App Store or Google Play.

If you are also a Citi credit card customer, there will be a system update affecting online account access from 16-19 October 2022. Access to your account via Citi Online and the Citi Mobile^® App will resume on 20 October 2022. If you need any assistance during this time, you can find ways to contact us here.

If you are also a Citi credit card customer, there will be a system update from 16-19 October affecting online account access. If you need any assistance during this time, you can find ways to contact us here.

Access to your account via Citi Online and the Citi Mobile^® App will resume on 20 October 2022.

You may be impacted with a potential extended system update affecting access to your online account from 16 - 19 October 2022 affecting online account access. If you need any assistance during this time, you can find ways to contact us here.

Your new Classic Plus Card will appear in your existing Citi Online and the Citi Mobile^® App.

You can find instructions on how to register here.

Download the app via the App Store or Google Play and follow the prompts

Download the app via the App Store or Google Play and follow the prompts

Yes, you’ll continue to receive Alerts and eStatements the same way you normally would. From 16 October 2022, communications about your account and rewards will be branded Citi.

No, if you have an existing financial hardship agreement in place it will not be impacted.

No, if you have an existing payment arrangement in place it will not be impacted.

No, if you have already provided us with documents to evidence your identity and/or income, you do not need to send these to us again.

Until 15 October 2022, you can find ways to contact us here.

On and from 16 October 2022, you can find ways to contact us here.

Your terms and conditions and other product documents have contact details, such as telephone numbers, email addresses and postal addresses. Please note, your Credit Card Terms and Conditions and Citi Rewards Program Terms and Conditions will apply on and from 16 October 2022.

No, an additional credit check will not be required as a result of this change.

Yes, if you activate your card by 11.59pm Sydney time 30 November 2022 and have a valid email address to receive the Digital Gift Card, you will receive a Digital Gift Card from us by 10 February 2023 providing your account is open and in good standing.

Yes, both Primary and Additional Cardholders will receive a Digital Gift Card, only if their Classic Plus Card is activated by 11.59pm Sydney time 30 November 2022.

This offer is only available for customers that activate their Classic Plus Card by 11.59pm Sydney time 30 November 2022.

If you activate your Classic Plus Card by 11.59pm Sydney time 30 November 2022, we will send you an email or SMS containing your Digital Gift Card and instructions on how to redeem by 10 February 2023.

You will have a choice of Woolworths, JB Hi-Fi or Myer.

Check your Digital Gift Card for Terms and Conditions and expiry date. Expired Digital Gift Cards cannot be extended or replaced.

You must redeem your Digital Gift Card within 80 days of receiving the Digital Gift Card.

Your existing consent to share CDR Data with an Accredited Data Recipient will remain valid until its expiry, but no further data will be shared after 16 October 2022 under this consent. You can revoke this consent using Accredited Data Recipient’s consent management services.

Once you register for Citi Online and the Citi Mobile^® App, you will be able to create new data sharing consents using your Citi Online User ID.