Maximise your Avios, air miles and hotel points

How expatriates in the UK can earn 100,000 Avios points by joining Citigold Expat

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Citibank runs an Avios-earning deal for expats in the UK who move their banking to Citi.

Citibank has a standard Avios-earning offer for UK residents who sign up with Citigold Wealth Management, which has been running for two year now.  Full details are on the Citigold Wealth Management website here.  We covered the Citigold / Avios offer here in this article from July 2020 which we will update soon – you could earn up to 100,000 Avios.

If you an expat, Citibank has a separate offer for you which I want to look at today.

Full details of Citigold Expat are on the Citi website here.  You need to scroll a long way down before the Avios offer appears.

Citigold Expat Avios offer

Earning Avios with Citigold Expat

Citigold Expat is aimed at people moving to the UK to live or work.

It offers:

multi-currency bank accounts, including multi-currency debit cards

offshore wealth management

access to selected professional advisers who can help with finding a property, selecting a school for your children and finding a tax adviser

You get 50,000 Avios for opening an International Personal Bank account and moving $200,000 (or equivalent) into it.  This must remain in place for two months and the money must be ‘fresh’ to Citi.

You get 100,000 Avios for opening an International Personal Bank account via Citigold Private Client and moving $1,000,000 (or equivalent) into it.  This must remain in place for two months and the money must be ‘fresh’ to Citi.

Earn Avios from Citigold Expat

But note the cash alternative ….

Citi is happy to offer you cash instead of Avios.

You can swap the 50,000 Avios for $500 and the 100,000 Avios for $1,000.

I would lean towards the miles, given this choice.  You are basically ‘buying’ Avios for 0.75p each which is an excellent deal.

There is also the option of taking a £500 or £1,000 Harrods gift card.  This is slightly trickier, because you are ‘paying’ 1p per Avios if you take the points instead of the Harrods credit.  Whether you value a £1,000 Harrods gift card at £1,000 is down to you and will depend on your shopping habits.

I purposely haven’t gone into the full details of the Citigold Expat service.  What I like about the offer is that it provides an Avios opportunity to newcomers to the UK who may find themselves locked out of credit card sign-up offers.

You can find out more about the Avios / Citigold Expat offer here.  The offer is scheduled to run until 28th December 2021 but it has been rolled over multiple times and I would be surprised if it went away.


How to earn Avios points from UK credit cards

How to earn Avios from UK credit cards (January 2022)

As a reminder, there are various ways of earning Avios points from UK credit cards.  Many cards also have generous sign-up bonuses!

There are two official British Airways American Express cards with attractive sign-up bonuses.

There are special sign-up bonuses on both of the BA American Express cards until 28th February 2022. The bonus on the free card is doubled to 10,000 Avios and the bonus on the Premium Plus card is increased from 25,000 Avios to a huge 40,000 Avios.

British Airways BA Amex American Express card

British Airways American Express

10,000 Avios for signing up (SPECIAL OFFER) and an Economy 2-4-1 voucher for spending ….. Read our full review

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

40,000 Avios (SPECIAL OFFER) and the UK’s most valuable card perk – the 2-4-1 voucher Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points, such as:

Nectar American Express

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & two airport lounge passes Read our full review

American Express Platinum card Amex

The Platinum Card from American Express

30,000 points and an unbeatable set of travel benefits – for a fee Read our full review

Run your own business?

We recommend Capital On Tap for limited companies. You earn 1 Avios per £1 which is impressive for a Visa card, along with a sign-up bonus worth 30,000 Avios.

30,000 Avios is a special offer which runs to 4th February 2022.

Capital on Tap Visa card

Capital On Tap Business Rewards Visa

30,000 points bonus – the most generous Avios Visa for a limited company Read our full review

You should also consider the British Airways Accelerating Business credit card. This is open to sole traders as well as limited companies and has a 45,000 Avios sign-up bonus.

45,000 Avios is a special offer which runs to 28th February 2022.

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

45,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

Click here to read our detailed summary of all UK credit cards which earn Avios. This includes both personal and small business cards.

(Want to earn more Avios?  Click here to visit our home page for our latest articles on earning and spending your Avios points and click here to see how to earn more Avios this month from offers and promotions.)

Comments (19)

  • Scott says:

    At what income level does one stop being an immigrant, and become an “ex-pat”?
    Appreciate the article is simply repeating the term from Citi’s site.

    • Rui N. says:

      When you are white.

      • blenz101 says:

        In common English expat workers are employed for a skillset the local market can’t provide (so will be paid accordingly) and will often benefit from housing and relocation allowances giving them a large amount of disposable income and thus attractive to the bank to help them with their financial planning.

        Typically immigrants are unskilled migrants with very different financial needs often their banking needs will be around remittance to their home country. Their move is generally more permanent.

        Both are foreign workers.

        Would you prefer Citi advertise it as an account for “the wealthy and educated living abroad”?

        • Mike says:

          TWAELA doesn’t really roll of the tongue so stick with expat

        • Rui N. says:

          Completely absurd saying that all immigrants are unskilled. The term expats exists simply because some immigrants think they are better than other immigrants and don’t want to be called that.
          Also completely absurd saying that skilled workers get housing allowances usually. My company has hundreds of very skilled immigrants (the average level of education is likely to be a PhD) and we don’t for sure offer housing allowances.

          • blenz101 says:

            I didn’t say all are unskilled but the language make a distinction which you well know.

            The US banker dropping $200k into a current account on hi transfer to London is the expat being targeted here. If he hires a driver from Pakistan whilst he is in town they are going to be called an immigrant.

            And no matter what your company offers the fact is I live the life of an expat. The market dose off schooling, healthcare and housing to skilled expats. I’m not talking about people who just want to live the dream in the sun but those with a skill companies want entice to live away from their home country.

            Migrant workers on the other hand may be living in room shares or offered dormitory style accommodation and paid appallingly.

            This is just how the world is. Neither chose their privilege and neither gets to pick what others will call them.

        • dougzz99 says:

          The woke are coming for you 🙂

        • Sam says:

          @blenz101 very accurate definition.

          • Sam says:

            Although, I have met young adults in their 20s considering themselves as ‘expats’ when they only teach English in East Asia, out of the fact that they look white and speak the language.

      • Bazza says:

        Is that true?

  • Richie says:

    Not sure if leaving $200,000 or more of your liquid assets for two months lying around in a bank account is a good idea. I guess it depends how much of a proportion of your total assets that cash is, your monthly cash income and how avios rich you are already.

  • Sapiens says:

    Awaiting the ultra PC wokies apoplectic at the Exp*t word

  • Vinz says:

    In all fairness when my parents start talking against “those immigrants on rafts” I remind them I’m an immigrant too. The fact that I earn well doesn’t make me different. We fight all the time…

    • Bazza says:

      “those immigrants on rafts” – wouldn’t they just be shortening “those illegal immigrants on rafts” ?

      Because that is what they are, despite what the BBC will tell you.

      Unless France has become EVEN worse since I was last there and these people are fleeing France because of how terrible it is there….

    • Bazza says:

      If you are no different, did you arrive on a raft, where did you flee from?

  • Boi says:

    Pretty sure I am still called an immigrant even though I earn over $400K- I am black.

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