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Established Contributor
SwiftTone
Posts: 1,024
Registered: ‎02-27-2012

Best way to get Citi Dividend World Elite Mastercard

My goal this year is to get a World Elite Mastercard. I've read that the Citi Dividend Platinum Select is the best option as far as benefits to fees ratio. I've search high and low and only found discussions on converting existing Citi Dividend Mastercards and World Mastercards to the World Elite Mastercard version. I couldn't find any info on applying directly for the World Elite Mastercard versionI have a couple questions regarding this card. On Citi's website, I can only find this card in the Visa version. I did find an application through Google where it's for the Mastercard version(even says in the terms and conditions on the application page). If I were to apply through the application found on Google, would I be getting the Mastercard version? Also, is there a way to just straight up apply for the World Elite Mastercard version? I'd like to save the trouble of going from MC/WMC to WEMC if I can. Does this card still have lounge access? This would be the most important benefit. Is this card still offered with EMV? Thanks all!
BCE: $0/$11,200, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$5000, Barclays NFL: $0/$7000 Discover: $0/$10,000, Citi Dividend: $0/$2000

EQ FICO - 742
TU FICO - 730
EX FICO(AMEX) - 712
Established Contributor
eviLution
Posts: 704
Registered: ‎06-11-2012

Re: Best way to get Citi Dividend World Elite Mastercard

I read that you need to have 2+ years of on time payments with their regular world MasterCard and they will consider you for the elite version.

Someone correct me if I'm in the wrong.

Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Established Contributor
SwiftTone
Posts: 1,024
Registered: ‎02-27-2012

Re: Best way to get Citi Dividend World Elite Mastercard

Sorry for the lack of paragraph. I'm on my tablet and it didn't format the way I had originally written and I can't edit...will edit soon!
BCE: $0/$11,200, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$5000, Barclays NFL: $0/$7000 Discover: $0/$10,000, Citi Dividend: $0/$2000

EQ FICO - 742
TU FICO - 730
EX FICO(AMEX) - 712
Frequent Contributor
L-TWT
Posts: 290
Registered: ‎12-18-2011

Re: Best way to get Citi Dividend World Elite Mastercard


SwiftTone wrote:
My goal this year is to get a World Elite Mastercard. I've read that the Citi Dividend Platinum Select is the best option as far as benefits to fees ratio. I've search high and low and only found discussions on converting existing Citi Dividend Mastercards and World Mastercards to the World Elite Mastercard version. I couldn't find any info on applying directly for the World Elite Mastercard versionI have a couple questions regarding this card. On Citi's website, I can only find this card in the Visa version. I did find an application through Google where it's for the Mastercard version(even says in the terms and conditions on the application page). If I were to apply through the application found on Google, would I be getting the Mastercard version? Also, is there a way to just straight up apply for the World Elite Mastercard version? I'd like to save the trouble of going from MC/WMC to WEMC if I can. Does this card still have lounge access? This would be the most important benefit. Is this card still offered with EMV? Thanks all!

By the looks of your Signature/CC portfolio, you currently do not have a Dividend card. If that is so, there is no way to directly apply for the WE MC version, B/C Citi is only offering Visa/Visa Signature to new card members. And regarding lounge access, yes it is still offered; but not "Priority Pass Select". In late 2011 to early 2012 they switched to "Lounge First" airport loung access which IMO SUCKS! Lastly, EMV (i.e, Global Chip) is currently offered on all Citi cards, expect AMEX products.

Portfolio: Amex BCE (21.6k) | Cap1 QS VS (15k) | Citi Dividend WEMC (30K)

"Having a credit card is nice, but cash is king"
Valued Contributor
tray
Posts: 1,357
Registered: ‎01-29-2008

Re: Best way to get Citi Dividend World Elite Mastercard

There are older threads pertaining to this topic on this forum, but from what I have read you cannot outright ask for it, citi has to offer it to you, even for me I  have the citi dividended mastercard with a 10,500 limit and I personally at one time ask citi is I could upgrade to the world elite and I was told I could not, but at least it is easy now to get the emv chip.  Good Luck if you app the dividend card is a good card to have.


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
New Contributor
mab6311
Posts: 56
Registered: ‎04-08-2012

Re: Best way to get Citi Dividend World Elite Mastercard

so is there no way for a new app for citi dividend mastercard? 

Contributor
slippy84
Posts: 83
Registered: ‎12-24-2012

Re: Best way to get Citi Dividend World Elite Mastercard

Hey SwiftTone,

As indicated in my sig, I'm about to be upgraded to the World Elite version. A few notes about getting the card based on my research and my own experience:

 

-You can't apply for the card directly. In fact, you've never been able to apply for it directly. It has only been available as an upgrade to users who have one of the other Citi Dividend cards. A few users report being automatically upgraded, but most people have to call and request the change.

-Most all of the users who were able to upgrade had their Dividend card for at least a year. I think I saw one person who reported being able to upgrade at under the year mark but over 6 months.

-Apparently, the criteria to upgrade are unknown. It seems to be a combo of usage and payment history with Citi, credit score, or some combo of the two. Some people report being told that their account is not eligible for upgrade, while others are approved even though they have similar profiles. Seems like a gamble overall. It's likely that one would need a credit limit of over $5k. My limit is $6k. They often have to shuffle around your APR during the conversion (my purchase APR is being dropped from 16.24% to 14.24%) so that might be the source of some of the criteria

-You have to get lucky on the phone with them. It can take multiple calls asking for a supervisor to find someone who knows the magic buttons to push to see if you're even eligible. A lot of their front line CSRs have no idea what you're talking about.

-You can make the switch directly from their platinum-level Visa to the World Elite, provided that your account meets whatever requirements they have set up and that you find the right person on the phone to talk to.

-The upgrade occurs with only a soft pull

 

The card definitely has EMV as an option (The whole Dividend line is offerend in an EMV version now, including my normal Visa one). The PayPass enabled version (default version) has a normal Mastercard logo, while the EMV-chip version has the silver Mastercard logo. The lounge benefit is pretty weak, as it just gets you a discount lounge admissions at select lounges. I think that it costs like $27/pass even after the discount.

US Bank Cash+ -- Chase Freedom -- Citi Dividend Platinum Select (in 45-day wait period for Dividend Mastercard World Elite:smileyhappy:) -- AMEX BCE
Contributor
slippy84
Posts: 83
Registered: ‎12-24-2012

Re: Best way to get Citi Dividend World Elite Mastercard

[ Edited ]

mab6311 wrote:

so is there no way for a new app for citi dividend mastercard? 


Here's a quote from a review of the Dividend Mastercard World

"2013 Update: New applicants of this card are no longer being given a MasterCard. Instead you will receive the Visa “Platinum Select” tier and you can learn more about the new version here."

I wonder if SwiftTone found a backdoor application page though that might still be valid

 

As I mentioned above, you can PC from the Visa version directly to the World Elite version, if that's what you're going for

US Bank Cash+ -- Chase Freedom -- Citi Dividend Platinum Select (in 45-day wait period for Dividend Mastercard World Elite:smileyhappy:) -- AMEX BCE
Established Contributor
SwiftTone
Posts: 1,024
Registered: ‎02-27-2012

Re: Best way to get Citi Dividend World Elite Mastercard

[ Edited ]

slippy84 wrote:

mab6311 wrote:

so is there no way for a new app for citi dividend mastercard? 


Here's a quote from a review of the Dividend Mastercard World

"2013 Update: New applicants of this card are no longer being given a MasterCard. Instead you will receive the Visa “Platinum Select” tier and you can learn more about the new version here."

I wonder if SwiftTone found a backdoor application page though that might still be valid

 

As I mentioned above, you can PC from the Visa version directly to the World Elite version, if that's what you're going for



Thanks all for the info. Do you guys think they offer different products if I were to call in and inquire?

 

@Mab, could you please link me to the review?

 

edit: this is the link I found. Looks a little funny and also it says "earn atleast 2% back on popular categories..." instead of the 5% categories.... maybe its a different card? Anyways, heres the link: https://www.citicards.com/cards/wv/cardDetail.do?screenID=923&contentId=BM4T4Z8

BCE: $0/$11,200, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$5000, Barclays NFL: $0/$7000 Discover: $0/$10,000, Citi Dividend: $0/$2000

EQ FICO - 742
TU FICO - 730
EX FICO(AMEX) - 712
Senior Contributor
Ron1
Posts: 4,702
Registered: ‎05-23-2009

Re: Best way to get Citi Dividend World Elite Mastercard

Not all Citicards can upgrade to EMV version. Not Citi Cash Returns MC. :smileysad:

 

 

Ron.


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