Citibank Gold Credit Card - Apply online

	Key Features:
	Receive 3 points for every $1 spent at one of Citibank's bonus partners Complimentary access to a superior Rewards Program Citibank's rewards points can be redeemed for a large range of travel rewards, merchandise, gift cards or cashback on your card. Plus your reward points never expire while the card remains open. Special Offers and Privileges6 Discounts when you shop online, dine, hit the movies or a theme park, book hotel accommodation and much more. Plus there are the best seats in the house, up to 25% off wine and special benefits that make you feel privileged when you travel the world. Purchase Cover insurance for lost, stolen or damaged goods.7 Use your Citi Gold card for personal items and have them repaired or replaced when lost, damaged or stolen up to 90 days after purchase. Complimentary International Travel Insurance5 Automatically covers you and your family when you buy your travel tickets with your Citi Gold card. Your cover includes medical and unexpected travel expenses, trip cancellation, personal liability and loss of damage to personal items. Rates and Fees1 Purchase Rate: 20.99% p.a. Cash advance Rate: 21.74% p.a. Balance Transfer Rate: N/A Annual Fee: $149 Up to 55 days interest free on retail purchases8 Optional Credit Card Insurance9 with a generous Credit Limit of $60,000#

	Credit Card Application Criteria:
	You must be at least 18 years of age You must have a Good Credit History You must be a Permanent Resident or Australian Citizen You must earn a Minimum Income of $30,000 p.a.

Terms & Conditions
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 Citi Gold card, and $30 for an Additional Citi Gold card. 

1. Citibank Credit Cards are currently offering an introductory rate of 1.9% p.a. for 15 months on balances transferred on the Citi Gold Credit Card. Transferred balances are repaid first. At the end of the balance transfer offer period your interest rate will revert to the Cash Advance Platinum card interest rate currently 21.74% p.a. The Platinum Card current standard variable rate is 20.99% p.a. on retail purchases. Interest rates are variable subject to change and Citibank's Credit Criteria. Interest rates last updated 08/12/2010.
2.Once your card is activated you will earn 5 points for every $1 spent at Citi Bonus Partners and 2 rewards points for every $1 spent for all other purchases until 01/01/2012. After 01/01/2012 your points earn rate will revert to the standard program where you will earn 4 points for every $1 spent at Citi Bonus Partners and 1 reward point for every $1 spent for all other purchases.
3. 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 only open to Citibank Silver, Citibank Gold, Citibank Platinum, 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. Under Citibank's dining program, in addition to the four points earned for each dollar spent, the cardholder is entitled to receive a gift of a selected bottle of wine when using their Citibank Silver, Citibank Gold, Citibank Platinum, Citibank Select and CitiBusiness card to pay for their restaurant bill. 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. Citibank cardholders must request the complimentary bottle of wine at the time of ordering. The complimentary 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 complimentary 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. Points are earned, allocated, redeemed, forfeited or cancelled by eligible cardholders in accordance with the Citi Rewards Program Terms and Conditions.
4. Purchase Cover Insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 233507 and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at www.citibank.com.au. An excess applies to Purchase Cover Insurance.
5. The issuers of CardProtect are AIA Australia Limited ABN 79 004 837 861 AFSL No. 230043 and Great Lakes Reinsurance (UK) PLC ARBN 127 740 532 ABN 18 964 580 576 AFSL No. 318603. This material contains general advice only and does not take into account your individual objectives, financial situation or needs, and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement available at www.citibank.com.au to decide if the policy is right for you.
6. The maximum 55 days interest free period applies when you pay your balance off in full for 2 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.
7. International Travel insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 233507 and Citigroup Pty Limited, and is subject to Terms and Conditions and exclusions available at www.citibank.com.au.

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