What Premium Really Means Now: A Conversation with Citi’s Pam Habner

Note: This episode originally aired on October 21, 2025 as part of the Mintel Little Conversations podcast. Host Andrew Davidson speaks with Pam Habner, Head of US Branded Cards and Lending at Citi, about the launch of the Strata Elite Card and its strategic positioning in the competitive credit card market. Pam shares insights on consumer preferences, marketing strategies, and the importance of flexibility in rewards. Listen to the conversation about the evolving landscape of premium credit cards, the impact of AI on financial services, and leadership lessons from Pam's extensive experience in the industry.