That was what I've been saying. No need to have a Paypal acct btw, they are also a payment processor for other website so maybe its was during one of her online shopping spree. They're adjusting their card tiers methinks. Previously, the PremierMiles Card was really hard to get + it's their top-tier card along with their Platinum Card but since the launch of Prestige, PM has been slowly downgraded in terms of limited Airport lounge access. Also, I think it's for the better. During peak travel period you can't even go in MIASCOR NAIA 3 due to "full" capacity for cardholders of different banks. Miascor might have raised their prices which forced Citi's hand to source it through third party (Dragonpass and Priority Pass). The only upside is that you can now use it at any supported lounge outside HK and PH.