Smart consumers always try to get the most out of their credit cards. For you, that may mean finding a card with an attractive rewards programme, like the Citibank Gold credit card. When you take advantage of rewards cards, you’ll earn points for every dollar spent. It doesn’t matter if you charge a large purchase or everyday expenses (or both) — when you make purchases on your card, you get something in return. With the Citibank Gold card, you not only have a lot of freedom in choosing your rewards, but you’ll receive a nice rewards point bonus to kick off your card spending.

Find out more about the Citibank Gold credit card, its rewards programme, and special introductory offers below, and apply online today for a 60-second decision.

Type of Credit Card: Rewards Card / Balance Transfer Card

Interest Rates*: The Citibank Gold card offers a special 12-month introductory rate on balance transfers of just 2.9%. The standard interest rate for purchases (which your remaining balance transfer total will revert to after 12 months) is a 19.99% APR.

Annual Fee*: When you get approved at the primary cardholder for a Citibank Gold credit card, you’ll be responsible for a $119 annual account fee. If you add an additional cardholder, you’ll pay an extra $30 annual fee for that card.

Rewards / Extras*: While the Citibank Gold credit card offers a great deal on balance transfers, its real allure is its rewards programme. Unlike some cards, you won’t be charged a rewards programme fee on top of your normal annual fee. You’ll also earn a bonus 5000 rewards points when you use your credit card for the first time.

This card offers you enrolment in the Citibank World Privileges rewards programme, where you can get upgrades, discounts, and other benefits. Whether you’re interested in travel accommodations, shows, restaurants, shops, or other rewards, this card is for you — your points are valid on thousands of products and services.

The Citibank Gold card offers perks beyond the rewards programme. For example, as a cardholder you’ll receive purchase cover, free international travel insurance, and the ability to personalise your credit card with a photo for added security against credit card fraud.

Additional Details*: If you’re approved for the Citibank Gold card, you’ll receive a credit limit of up to $25,000 (depending on your income and credit history). The card also offers up to 55 interest free days, giving you the opportunity to avoid the 19.99% interest on your retail purchases.

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* Interest rates, annual fees, and rewards programme details included above were taken from the most accurate data available at the time of writing. All rates are subject to change from the issuing bank, and their inclusion here in no way serves as a guarantee of rates or policies. Please review rates and terms with the card issuer at the time of application.

Citibank Gold Credit Card, 1.5 out of 5 based on 3 ratings