Citibank Gold Credit Card – Rates & Fees

Information verified correct on October 21st, 2016

Complimentary international travel insurance with the Citibank Gold credit card.

This offer is no longer available

Citibank no longer accept new applicants for the Citibank Gold Credit Card — it’s off the market. Click here to compare the latest offers from Citi.

This credit card offers complimentary international travel insurance and you are automatically subscribed to the Superior Rewards Program where you can earn 1 reward point per $1 dollar spent. Citibank Gold cardholders have a generous credit limit of $25,000, giving greater flexibility and purchasing power.

Citibank Gold Credit Card Review

Free Automatic Access to the Superior Rewards Program

  • Get free and automatic enrolment to the superior rewards program You don’t have to register for the rewards program. As a Citibank Gold Credit cardholder, you are automatically enrolled when you apply for the credit card.
  • Earn rewards points for every dollar spent Citibank rewards you with 1 reward point when you spend $1 using your credit card. This allows you to accumulate points faster which you can redeem for various benefits.
  • Choose to redeem points for a wide range of items Your reward points can be used to redeem a wide selection of items, ranging from gift vouchers to Qantas Frequent Flyer Points if you are a member of the Qantas Rewards Program.
  • Reward points restrictions You cannot earn rewards points through some transactions such as cash advances or balance transfers.
  • Redeem 1 reward for 1 Qantas Frequent Flyer (QFF) Point As mentioned, you can choose to redeem your rewards as QFF Points, but you first need to a member of the QFF program. 1 reward point can be redeemed for 1 QFF point and your redemption requests need to be made in bundles of 10,000 points.
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Gain Complimentary Insurance Covers with Citibank Gold Credit Card

  • Complimentary international travel insurance Benefit from a free international travel insurance cover which offers medical, trip cancellation, unexpected travel expenses, loss/damage of personal items and personal liability coverage. You get travel insurance automatically when you purchase travel tickets using the credit card.
  • Purchase cover Items purchased using your Citibank Gold Credit Card are automatically covered against theft, damage and loss for a period of 90 days.
  • Citibank uses Zurich Australian Insurance as their insurance underwriters Both the purchase and travel insurance policies are underwritten by Zurich Australian Insurance.
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Citibank Gold Credit Card Features

Below are some of the important features available with the Citibank Gold Credit Card.

  • Higher credit limit. Card holders get to enjoy generous credit limits which are available up to $25,000.
  • Purchase cover. Purchases made using the credit card are covered against theft, loss or damage for 90 days.
  • Complimentary travel insurance. When you purchase travel tickets using this credit card, you automatically receive free travel insurance. This policy covers the cardholder and their family.
  • Interest-free period on purchases. New cardholders have an interest-free period of 55 days.
  • Automatic enrolment to the Superior Rewards Program. As a Citibank Gold cardholder, you are automatically enrolled to participate in the Superior Rewards Program.
  • Fraud Shield. Citibank have a fraud department that continuously monitors your credit card to spot suspicious activities using Fraud Shield.
  • Credit card management. You can easily manage your transactions using phone banking and internet banking services offered by Citibank.
  • Citibank World Privileges. You can enjoy a wide range of Citibank World Privileges courtesy of your Gold Card.
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How to apply for the Citibank Gold Credit Card

Application criteria for the Citibank Gold Credit Card

The table below highlights the application criteria for this credit card. The key requirements for your application are:

  • You must be at least 18 years of age
  • You must be a permanent Australian resident
  • Your annual taxable income must be at least $20,000

Click on ‘Go to site’ to benefit from the offers and features available with this credit card.

Information required by the bank includes :

  • Personal information
  • Contact details
  • Employment details
  • Income and expenses information
  • Preferred maximum credit limit

Application information for employed and self-employed persons

You can apply for this credit card whether you are employed or self-employed. If employed, you will provide your employer’s details and self-employed persons will provide details of their business in the application. The entire application is conducted on one page and it should only take you about 10 minutes.

Enjoy a balance transfer offer of 2.9% p.a. down from 20.24% p.a. for 12-months when you apply for the Citibank Gold Credit Card. Apply now if you think this is the card for you.

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54 Responses to Citibank Gold Credit Card – Rates & Fees

  1. Default Gravatar
    Gregory | May 5, 2012

    please outline the health coverage included in the travel insurance included when i purchase my airline tickets using my card.

    • Staff
      Jeremy | May 18, 2012


      This card is no longer available for application through our site. Cheers.


  2. Default Gravatar
    Edwin | October 25, 2011

    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?

    • Staff
      Jacob | August 20, 2012

      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.

  3. Default Gravatar
    Michelle | October 24, 2011

    If I already have a Citibank Gold Card, am I eligible for the Balance Transfer rate?

    • Staff
      Jacob | August 12, 2012

      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.

  4. Default Gravatar
    Matt | October 21, 2011


    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?

    • Staff
      Jeremy | October 24, 2011

      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


  5. Default Gravatar
    Fiona | October 13, 2011

    My husband and I have seperate credit cards from seperate banks and thinking of combine them into one, ie transfer can we do this?

  6. Default Gravatar
    Seed | September 29, 2011

    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?

    • Staff
      Jacob | August 20, 2012

      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.

  7. Default Gravatar
    IH | September 29, 2011

    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.

  8. Default Gravatar
    Helen | September 26, 2011

    what is the interest rate after the 15 month period.

    • Staff
      Jeremy | March 6, 2012


      The interest rate reverts back to the standard cash advance rate. Cheers.


  9. Default Gravatar
    Shelly | September 23, 2011

    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?

    • Staff
      Jacob | August 12, 2012

      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.

  10. Default Gravatar
    Eva | September 18, 2011

    Can I transfer from 2 different cards into this one

    • Staff
      Jeremy | March 6, 2012

      Hi Eva,

      Yes you can consolidate the outstanding balance from two credit cards into one. Thanks for your question.


    • Staff
      Jeremy | September 21, 2011

      Hi Eva

      Thanks for your question

      Yes you can transfer multiple credit cards, subject to meeting Citibank’s lending criteria


Credit Cards Comparison

Rates last updated October 21st, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
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ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
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HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
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NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards 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.

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