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Citibank Gold Credit Card – Details and Application

Posted March 16th, 2008 and last modified March 13th, 2012

The Citibank Gold Credit Card is no longer available for application.

Consider some of the alternative Citibank credit card offers below:

  Interest Rate (p.a.) Balance Transfer Rate (p.a.) Annual fee Cash Advance Rate (p.a.)  
Citibank Clear Platinum Card
Citibank Clear Platinum Card
A low rate and fee for a Platinum card. 25% off a range of Citibank World Privileges, inc. shopping, dining and travel. 11.99% 0% for 12 months with 3% balance transfer fee $99 21.74% Apply Now For The Citibank Clear Platinum Card Read More About The Citibank Clear Platinum Card
Citibank Rewards Credit Card - Platinum Card
Citibank Rewards Credit Card – Platinum Card

A great low balance transfer offer, plus Earn up to 1.25 Citibank Rewards Points for every $1 spend.

20.99% 0.9% for 15 months $199 21.74% Apply Now For The Citibank Rewards Credit Card - Platinum Card Read More About The Citibank Rewards Credit Card - Platinum Card
Citibank Rewards Credit Card - Classic Card
Citibank Rewards Credit Card – Classic Card
Features complimentary rewards program along with no point expiry and also a great balance transfer offer.

20.99% 6.9% for 6 months $89 21.74% Apply Now For The Citibank Rewards Credit Card - Classic Card Read More About The Citibank Rewards Credit Card - Classic Card
Citibank Rewards Credit Card - Signature Card
Citibank Rewards Credit Card – Signature Card
The first credit card in Australia to launch on the Visa Signature platform. Citibank reward points can be redeemed for multiple airline and travel reward programs including Qantas Frequent Flyer and Velocity Rewards

20.99% 1.9% for 15 months $395 21.74% Apply Now For The Citibank Rewards Credit Card - Signature Card Read More About The Citibank Rewards Credit Card - Signature Card

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.

Check out today's featured offers:

HSBC Credit Card ANZ Platinum Citibank Rewards Credit Card - Platinum Card Westpac Low Rate Card
HSBC Credit Card ANZ Platinum Credit Card Citibank reward platinum Westpac Low Rate Card

0% p.a. for 8 months with 2% balance transfer fee

on balance transfers.

0% p.a. for 6 months on

purchases & balance transfers.

0.9% p.a. for 15 months
on balance transfers

1.9% p.a. for 9 months (reverts to 13.49% p.a.)
on purchases.

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Showing 35 Comments

  1. 1
    Comment Annette Marshall June 15th, 2011 at 10:44 am

    Is there a limit on how much can be transferred?

  2. 2

    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

  3. 3

    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

  4. 4
    Comment Peter Davidson July 4th, 2011 at 4:58 pm

    Type Your Question Here

    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?

  5. 5

    Can you apply for this in New Zealand?

  6. 6

    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?

  7. 7

    Hi Robyn

    Thanks for the comment!

    To apply for this credit card you need to be a permanent Australian resident.

    Cheers,

    Jeremy

  8. 8

    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

  9. 9

    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

  10. 10

    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 $40,000 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

  11. 11

    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?

  12. 12

    Hi Emily

    Thanks for your comment – I’d suggest asking this question to Citibank customer service directly.

    Cheers

    Jeremy

  13. 13

    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

  14. 14

    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

  15. 15

    Is there any extra charge if I switch to other bank credit card before 15th month maturity?

  16. 16

    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

  17. 17

    Can I get an indication of how much credit you would give me for a balance transfer without actually applying for a card ?

  18. 18

    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

  19. 19

    are existing citibank credit card holder eligible for the 1.9% 15 month balance transfer offer?

  20. 20

    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 :)

  21. 21

    how long does it take for the transfer to occur

  22. 22

    Hi Jack

    Thanks for your comment – a balance transfer request can take up to 10 business days to process.

    Cheers

    Jeremy

  23. 23

    Hi Just filled out online form and nothing seems to have happened have i done something incorrect

  24. 24

    Can I transfer from 2 different cards into this one

  25. 25

    Hi Eva

    Thanks for your question

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

    Cheers,
    Jeremy

  26. 26

    what is the interest rate after the 15 month period.

  27. 27

    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?

  28. 28

    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

  29. 29

    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

  30. 30

    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

  31. 31

    Hi,

    Please check with the institution who is handling your application and quote the application reference number for clarification. Thanks.

    Cheers,
    Jeremy

  32. 32

    Hi Eva,

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

    Cheers
    Jeremy

  33. 33

    Hi,

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

    Jeremy

  34. 34

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

  35. 35

    Hi,

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

    Jeremy

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Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
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