The Citi Gold Card allows you to take control of your finances. Simply transfer the outstanding amount from your non-Citi Credit and store Cards, to your new Citi Gold Card, and enjoy a low 1.9% p.a. for 12 months on balance transfers*.
Apply now for a Citi Gold Card and take control of your finances.
Suitable if you'd like:
To reduce the interest you pay by transferring your balances to Citi at a low rate of 1.9% p.a. for 12 months*
Generous credit limits of up to $25,000#
Complimentary Rewards program1 with points that never expire
Complimentary international travel insurance3 for you and your family
Complimentary purchase cover insurance for lost, stolen or damaged goods5
Extra security with a photo card, digital signature and Fraudshield protection
Flexibility
Balance Transfer Rate
1.9% p.a. for 12 months*
Standard Interest Rate
20.74% p.a.
Cash Advance Rate
21.24% p.a.
Interest Free Period
Up to 55 days interest-free2
Maximum Credit Limit
$60,000#
Annual Fee
$149
Supplementary Fee
$30
Card Types
VISA and MASTERCARD
Qualification
Minimum Income Requirement
$35,000
Minimum Age
18
Additional Cardholders
Up to 4
Additional Cardholder Minimum Age
16
Manage your Account
Accessibility
Citi Online
CitiPhone banking
ATM
EFTPOS
Australia Post
Over the counter
Worldwide acceptance at over 22 million locations
Payment Methods
Citi Online
Automatic Direct Debit (Easi-Pay)
Funds transfer
BPAY
CitiPhone Banking
Australia Post
Statement Frequency
Monthly
Statement Delivery
Online e-Statements or by mail
Statement Frequency
Monthly
For more information on the fees and charges involved with any Citi Credit Card, click here to view the Citi Fees and Charges
A balance transfer involves transferring the existing balance(s) on your current credit card(s) to a new Citi credit card. It can mean big savings by reducing the interest charge on your existing credit card balance - along with streamlined card management.
Use the calculator below to find out how much you could save with a balance transfer of 1.9% p.a. for 12 months*.
Select your current balance
$0
$60,000
OR
Enter your current balance here
Enter your interest rate here
You Could Save
* The above example is approximate and for illustrative purposes. Estimated saving assumes minimum monthly payment made by payment due date each month with no other transactions during the 12-month period. Excludes annual fee and other charges. Figures indicative only and based on interest charges being capitalised monthly (based on a 30 day month). All credit card applications are subject to Citibank's lending criteria.
Applying for a Citi Credit Card is simple. The application process should take less than 10 minutes to complete if you have all your personal information ready, and you will receive a response in 60 seconds after submitting the form.
If you are an existing Citi Credit Card, you must have held your current Citi account for at least 9 months before you can apply for another Credit Card.
Please note that if you do not satisfy all these criteria, we apologise, but you will not be eligible for a Citi Gold Card at this time.
Current residential status (and previous residential details if you have been at your current address for less than 3 years)
If renting or boarding, your landlord or real estate agent's details
Contact details of a relative or friend not living with you
Your financial position
Your employer's address and switch telephone number (as listed in the White Pages)
Annual and monthly income (before and after tax)
Contact details for your accountant if self-employed
The value of your home and car, if applicable, and any other assets
Types and amounts of other income (e.g. rental income)
Details of your main expenses, including the current balances owing on your Credit Cards, loans and investment mortgages
If you plan to transfer a balance from another financial institution, please provide us with key details of that account, including: the name the account's held in; the type of card/account; the card/account number; the amount to be transferred and the issuing organisation's name and address.
To streamline approval, ensure you give us a contact phone number that we can call you on easily. You can also contact your payroll department (or accountant if you're self-employed) in advance to ensure they're ready and willing to confirm your income details when we call for verification.
Once you've submitted your online application, you'll receive a confirmation email containing your 9-digit Application Reference Number, which you can use to check the status of your application online
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