Citibank Gold Credit Card – Credit Cards

Citibank Gold

The Citibank Gold Credit Card is no longer available through the Citibank website.

If you are an existing cardholder and would like to learn more about the features and benefits of this credit card, please view the tabs below.

To find out about our range of credit card offers, visit the credit cards overview page.

Benefits of the Citibank Gold Credit Card include:

Earn up to 3 Citibank Reward points per $1 spent at our Bonus Partners and 1 Citibank Reward points per $1 spent on all other purchases¹.

A free bottle of award winning wine every time you dine at participating restaurants with Citibank's dining program².

Maximum credit limit of up to $60,000 over time, based on Citi's credit criteria^#.

Up to 55 days interest free on purchases³.

Complimentary international travel insurance covering medical and unexpected travel expenses, trip cancellation, personal liability and loss or damage to personal items⁴.

Complimentary purchase cover for personal items to be repaired or replaced when lost, damaged or stolen up to 90 days after purchase⁴.

Flexibility

Balance Transfer Rate

n/a

Standard Interest Rate

20.99% p.a.

Cash Advance Rate

21.74% p.a.

Interest Free Period

Up to 55 days Interest free³

Maximum Credit Limit

$60,000^#

Annual Fee

$149

Supplementary Fee

$30

Card Types

VISA and MASTERCARD

Qualification

Minimum Income Requirement	$30,000
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

To find out how interest is calculated and charged, download Your guide to understanding interest on your Citi Credit Card (Adobe PDF, 77kb).

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Fees and charges apply. Terms and conditions apply and are available upon request.

Subject to your acceptance you will be billed an annual account fee which is currently $149 for the Primary Citibank Gold Card, and $30 for an Additional Citibank Gold Card. Allow up to 15 working days to process your Application subject to verification.

# Actual credit limit will be assigned based on our credit criteria subject to confirmation that you earn a minimum of $30,000 p.a. and subject to your credit rating. Credit limit is up to $25,000 at point of initiation. Over time, credit limit may increase up to $60,000, if you satisfy our credit criteria.

1. All Rewards are subject to the Terms and Conditions of the Citibank Rewards Program. Citibank reward points are not earned on Balance Transfers and Cash Advances. Citibank reward points never expire as long as your account remains open and in good standing. Bonus Points are earned on purchases made at participating Australian Bonus Partner retailers only. The Bonus Partner program is only available to Citibank Rewards Credit Cards, Citibank Gold, Citibank Select and CitiBusiness cardholders participating in Citibank's standard rewards program. It is not available to cardholders who enrol in airline frequent flyer direct earn rewards programs. 

2.Citibank's Dining Program is operated by Pinpoint Pty Ltd ABN 49 002 693 656 and Zenith Wine Agencies Pty Ltd ABN 66 128 399 717 and is open to Citibank cardholders. The cardholder is entitled to receive a gift of a selected bottle of wine when using their Citibank credit or debit card to pay for their restaurant bill. Citibank Rewards Credit Cardholders, except cardholders who are enrolled in airline frequent flyer direct earn rewards programs, will also earn three bonus points for each dollar spent at participating restaurants. This offer is available only at participating Bonus Partner restaurants for dine-in customers who order a minimum of a main course and is limited to one free bottle of wine per booking. Split bills are not permitted. The free bottle of wine must be requested at the time of ordering. The free bottle of wine cannot be taken away or consumed off premises and is not available to customers selecting a degustation menu option with matching wines. The free bottle of wine specified may be out of stock or replaced. Should this occur, the restaurant will provide a similar quality bottle of wine at their discretion. Reward points are earned, allocated, redeemed, forfeited or cancelled by eligible cardholders in accordance with the Citibank Rewards Program Terms and Conditions. 
 
3. The maximum 55 days interest free period applies when you pay your balance off in full for two consecutive months. If you carry a balance on your credit card from month to month, the 55 days interest free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers.

4. International Travel Insurance, Extended Warranty Insurance, Transit Accident Insurance (for overseas travel), Purchase Cover Insurance, Guaranteed Pricing Scheme and Interstate Flight Inconvenience Insurance are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at www.citibank.com.au/complimentaryinsurance. An excess applies to Purchase Cover Insurance. 

5. World privilege payment must be made using a Citibank Credit Card. Up to 25% discount on Dining and Shopping available at participating outlets. Privileges cannot be used in conjunction with any other promotional programs or offers. Citibank and the business establishment reserve the right to change the terms and conditions at any time. Refer to www.citiworldprivileges.com/au/ for up-to-date offer details.


© 2011 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No. 238098. Citibank®, Citi® and Arc Design® are service marks of Citigroup Inc.






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