Citibank Gold Credit Card – Details and Application
Posted March 16th, 2008 and last modified May 3rd, 2013The Citibank Gold Credit Card is no longer available for application.
Consider some of the alternative Citibank credit card offers below:
What are Citibank World Privileges?
It’s your passport to exclusive upgrades, benefits and discounts at thousands of hotels, restaurants, shops, shows and services worldwide. You can benefit from relaxing weekend getaways or sumptuous meals consumed in some of Australia’s finest restaurants.
- Free International Travel Insurance
Automatically covers you and your family when you buy your travel tickets with your Citibank Gold Card. Your cover includes medical and unexpected travel expenses, trip cancellation, personal liability and loss of damage to personal items. - Automatic FREE access to a superior Rewards Program+
You’ll earn Reward points every time you use your Citibank Credit Card, which you can choose to redeem for a great range of items and vouchers, including Qantas Frequent Flyer points. Earn 1 reward point for every $1 spent. Giving you more points sooner - Access to Citibank World Privileges
It’s your passport to exclusive upgrades, benefits and discounts at thousands of hotels, restaurants, shops, shows and services worldwide. With everything from glorious weekends away to sumptuous dinners in Australia’s fines restaurants, you’ll find something to temp you. - Purchase Cover
If you use your card to make purchases and the item gets stolen, damaged or becomes faulty within three months of the purchase you’ll get free repairs or replacement with no questions asked anywhere in the world. - PhotoCard Security
Ever fancied to see your pretty face on your credit card? With the Citibank Gold Credit Card you can personalise your card as an extra safeguard against unauthorised use. - Worldwide Acceptance
Shop worldwide at over 22 million locations. - Worldwide Customer Service
Need help? Citibank has got you covered with its worldwide personal customer service 24/7.
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* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.
Is there a limit on how much can be transferred?
Hi Annette
Thanks for your comment.
When doing a balance transfer, you can only do a balance transfer up to the approved credit limit assigned to you when you apply for the card. The credit limit you receive will depend partially on your current income and other criteria for the credit application.
Cheers
Jeremy
Citibank Gold Credit Card the $149 annual fee, how is this charged to your new credit card on approval and if so does it begin accruing interest if you are applying for a balance transfer
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When making my application can I save it at any time & come back later to complete it. I’m told it is usual to be able to save the application for up to 14 days.
If so how do I do this?
Can you apply for this in New Zealand?
Hi Robyn
Thanks for the comment!
To apply for this credit card you need to be a permanent Australian resident.
Cheers,
Jeremy
HI,
I already have a Citibank credit card,
would I be able to transfer the balance of this credit card, plus the balance of another (ANZ) credit card?
I currently have ready credit account with the citibank with 0 balance. I’d like to apply for a new visa card and have the balance from another bank transferred to it. My intention is to have one card only cuz I don’t want my current credit limit be taken into account when I apply for the new card (as this may affect my credit limit). How can I go about it to avoid this problem? Thanks
Can’t really seem to see a big difference in the Gold and Platinum card provided by Citibank. What’s the major difference other than the annual fee :P
Hi J
Thanks for your comment!
The core differences are:
- The credit limit on the Citibank Platinum is up to $100,000 vs the Citibank Gold which has a maximum credit limit of $60,000
- The annual fee is $250 for the Citibank Platinum vs $149 for the Citi Gold
- Additional cardholders for the Citibank Platinum cost $90 vs the Citi Gold where additional cardholders are $60 each
- The Citibank Platinum is available with a Visa only, whereas the Citi Gold is available as a Visa or MasterCard
- The minimum income to apply for the Citibank Platinum is $35,000 p.a. vs the Citibank Gold which has a minimum income requirement of $30,000 p.a.
- Frequent Flyer Options: Citibank Platinum can be redeemed for Velocity and Kris Flyer, and also has the option for joining Citi Qantas Rewards, whereas the Citi Gold only has the Kris Flyer and Velocity options.
- Extended Warranty on your purchases is available only with the Citibank Platinum
- The Citibank Platinum Visa has a personal 24/7 concierge service through Platinum Visa
Hope this comparison helped!
Cheers
Jeremy
I am a bit confused about the “Permanent Australian Resident” – does this mean as a New Zealander living and working in Australia I would not be eligible for this credit card?
Hi Emily
Thanks for your comment – I’d suggest asking this question to Citibank customer service directly.
Cheers
Jeremy
Is it possible to transfer balances from personal loans at all or only credit card balances from other lenders?
If it is possible to transfer personal loan balances, can you advise me whether I am able to transfer balances specifically from GE Finance and Esanda Finance?
Regards,
Tina
Hi Tina
Thanks for your question.
Yes it is possible to transfer your existing personal loans to the Citibank Gold Credit Card. As far as I’m aware, those providers would be ok – however you are best to check with Citibank with this specific question.
Cheers
Jeremy
Is there any extra charge if I switch to other bank credit card before 15th month maturity?
Hi Viki
Thanks for your comment
In order to avoid interest charges and fees, you will need to call Citibank prior to the 15 month mark to ensure you get the full amount you require to do a balance transfer, avoiding interest charges. You also need to allow enough time to get your new credit card, and also take in to account the time it takes to do a balance transfer from the new card to Citibank.
It is important you seek financial advice before making a decision on which credit card to apply for, and also regarding your question.
Cheers
Jeremy
Can I get an indication of how much credit you would give me for a balance transfer without actually applying for a card ?
Hi Matt,
The maximum limit for a balance transfer is 90-95% of the upper credit limit, so it depends on how much credit Citibank extends to you based on their assessment of your credit card application. Hope this answered our question.
Cheers,
Jeremy
if i have 60,000 worth of cc debt, can i transfer the whole sum to this card at he balance transfer rate above for 15 months? what is the limit? there seems to be two limits listed here.
my income is around $80000
Hi Emma,
The Citibank Gold Card is no longer available for application. The Citibank Clear Platinum Card offers a balance transfer, the rate information is available in the review above. The limit of a balance transfer is generally 90-95% of the upper credit limit of your card.
Cheers.
Jeremy
Citibank Gold Credit Card the $149 annual fee, how is this charged to your new credit card on approval and if so does it begin accruing interest if you are applying for a balance transfer?
HI Dan. The annual fee is charged to the first statement after the card is activated at the purchase rate of interest. Thanks for your question.
Hi
I am interested in consolidating 2 credit cards with a total balance owing of $4500 by taking advantage of citibank’s 15 mth balance transfer offer.
I’ve just received a statement for one the cards & it has an overlimit amount showing of $87. Will that affect my application negatively if I apply online today for a citibank gold Visa or MC?
Hi Sonia. If you pay the charge quickly and avoid letting it drag on, it should show to your financial institution, and other, that you are able to service a credit card debt. This is one of the things lenders are looking for in an applicant. Check our page for more information on why credit card applications are declined. Also keep in mind that the amount you wish to transfer over to the Citibank Gold Credit Card must be less than the approved credit limit. Thanks for your question.
are existing citibank credit card holder eligible for the 1.9% 15 month balance transfer offer?
Hi Daniel
Thanks for your comment!
If you are an existing Citi Credit Cardholder, you must have held your current Citi account for at least 9 months before you can apply for another Credit Card. You will still also need to meet the normal criteria for application.
Hope this helps :)
how long does it take for the transfer to occur
Hi Jack
Thanks for your comment – a balance transfer request can take up to 10 business days to process.
Cheers
Jeremy
Can I do a $50K balance transfer in so as to take advantage of the 1.9% p.a. for 15 months and then do a balance transfer out to another bank with such a similarly attractive deal?
Hi Lotsa. You can technically do what you’re talking about; however, there are risks involved, mainly not getting approved for a new credit card once the balance transfer period expires on the old card. The interest rate can jump by as much as 20% with some credit cards. The most important things to remember about balance transfers are: the amount you want to transfer from your old credit card must be less than the approved credit limit on your new credit card, and at the end of the introductory period the interest rate will revert to either the cash advance or purchase interest rate, depending on the card. Thanks for your question.
Hi Just filled out online form and nothing seems to have happened have i done something incorrect
Hi,
Please check with the institution who is handling your application and quote the application reference number for clarification. Thanks.
Cheers,
Jeremy
If I transfer $15000 and at the end of the 15 month period the balance is $5000, i.e. I have paid off $10,000, how much interest would I be charged per month?
Hi Zoran. Please check our credit card repayment calculator to work out the numbers. Thanks for the question.
Can I transfer from 2 different cards into this one
Hi Eva
Thanks for your question
Yes you can transfer multiple credit cards, subject to meeting Citibank’s lending criteria
Cheers,
Jeremy
Hi Eva,
Yes you can consolidate the outstanding balance from two credit cards into one. Thanks for your question.
Cheers
Jeremy
Hi, I was wondering does the balance transferred have to come from another credit card or can the balance be transferred from a personal bank loan?
Hi Shelly. Generally speaking, balance transfers are only allowed between non-related credit cards; however, Citibank are one institution that allows customers to transfer the balance from a person loan or line of credit to a credit account. The Citibank Ready Credit Account is an example of a Citibank account where this is possible. Thanks for your question.
what is the interest rate after the 15 month period.
Hi,
The interest rate reverts back to the standard cash advance rate. Cheers.
Jeremy
This offer through citibank is a dud. We went through the application process and it was approved for the full amount to be transferred (from 1 credit card). Then they sent us the new credit card, and a rejection letter on the full amount, but approving a new reduced amount they will transfer (32% of full amount) instead. There reason is because they are including the old credit card limit (where it is being transferred from) in the debt calculations. Even though we signed a letter to get the old account closed once the complete amount is transferred.
Defeats the purpose of the application in the first place. We have asked for no money to be transferred and are cancelling the card.
If you haven’t paid off the balance transfer by 14th month, is there any penalty incurred in transferring to another card with a low balance transfer offer? Is it correct that if a credit limit of $25000 is approved, that $25000 can be balance transferred from other credit cards? In 15 months, would the fee of $149 be paid twice?
Hi JSeed. Thanks for your question. Check out our article on not paying any credit card interest for further information. The annual fee is charged once to the credit card account after the card is activated. Cheers.
My husband and I have seperate credit cards from seperate banks and thinking of combine them into one, ie transfer can we do this?
Hi Fiona. Thanks for your question. For further information on this topic, check our page on transferring the balance from a partners credit card. Cheers.
Hi
I already have a credit card that I transferred the balance too almost 12 months ago. Is there anything stopping me then transferring that balance to the Citibank card?
Hi Matt
Thanks for your comment
If you were to transfer to another Citibank credit card, you have to leave 9 months between applying for another Citibank credit card.
Normal Citibank credit card application criteria will apply – when you click the “Apply” button it will bring up application criteria for each card. Generally speaking, the main difference between each card’s application criteria will be the required minimum income. Platinum credit cards from Citibank generally have a higher minimum income requirement.
Hope this helps
Cheers
Jeremy
If I already have a Citibank Gold Card, am I eligible for the Balance Transfer rate?
Hi Michelle. The special balance transfer promotional rate of interest is only available to new customers. For more information on balance transfer, please check our balance transfer comparison page. Thanks for your question.
Can i transfer a personal loan from a different bank to the city bank Gold Credit card and have the 1.9% interest for 15 months with this card?
Hi Edwin. Thanks for your question. Citibank are one of the few institutions that allow you to transfer the balance of a personal loan from a different lender. Cheers.
please outline the health coverage included in the travel insurance included when i purchase my airline tickets using my card.
Hi,
This card is no longer available for application through our site. Cheers.
Jeremy