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    • Citibank CitiBusiness Gold Card

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    • CitiBusiness Gold Card card from Citibank

    • 20.74%

    • 0.00% for 4 months and then 21.49%

    • $149.00

    • 55

    Rewards scheme

    • Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards
    • You can get flights via Velocity, Krisflyer, Virgin Blue Vouchers or TakeFlight.
    • Bonus points available at over 220 partner merchants.
    • Instant discounts via Citi World Privileges

    Privileges

    • Concierge
    • Travel Accident Insurance
    • Purchase Protection

    Special offers

    • 40,000 Reward Points on first spend.

    Value of rewards points

    • Example reward
    • You'd need to spend
    • $100 gift card
    • $13,760
    • $100 cash back
    • $16,000
    • Flight: Sydney-Melbourne
    • $11,760
    • Flight: Sydney-London
    • $150,000
    • Points are capped?
    • at $64,000 pa
    • Points expire?
    • Never

    Details behind our 'value of rewards' calculations

    • Points earning 1.25 points per dollar on Visa, up to 80000 points per year
    • $100 gift card 17200 points buys a David Jones $100 Gift Card
    • $100 cash back 20000 points buys a $100 credit
    • Flight: Sydney-Melbourne 1 points buys 0.66666667 Velocity Points; 9800 Velocity Points buys a Virgin Blue Syd-Mel flight
    • Flight: Sydney-London 1 points buys 0.66666667 Velocity points; 125000 Velocity points buys a Velocity partner London flight

    (how did we do it? find out...)

    Rates

    Purchase rate
    20.74%
    Intro purchase rate
    0.00% for 4 months
    Balance transfer rate
    0.00% for 4 months and then 21.49%
    Balance transfer term
    4 Months
    Balance transfer revert to cash
    yes
    Cash advance rate
    21.49%
    Interest free days
    55

    Other financial bits

    Minimum repayment amount
    $30.00
    Minimum repayment percent
    2.0

    Fees

    Annual card fee
    $149.00
    Introductory fee
    none
    Annual fee spend threshold
    none
    Reward program fee
    $
    Late payment fee
    $10.00
    Overlimit fee
    $40.00
    Cash advance fee
    $2.70%, min $2.70
    Foreign exchange margin
    3.30%
    Duplicate statement fee
    $7.00
    Transaction verification fee
    $7.00
    Additional card fee
    $0.00
    Establishment fee
    $

    Features

    Additional cardholders
    99
    Other restrictions
    none
    Other benefits
    Free bottle of award winning wine when you dine at participating restaurants

    About Citibank

    Citibank is the consumer banking arm of Citigroup, one of the world’s biggest financial institutions. Citibank was the first foreign bank to be granted a banking licence to operate in Australia. Citi is now the largest international bank in the country, serving millions of Australians with credit cards, mortgages, deposit accounts, charge cards and more.

    How are Citibank credit cards rated by the Mozo community?

    Product Type Overall Price Features Service Convenience Trust
    Citibank credit cards 4.2 Based on 174
    Citibank credit card reviews     		4.4 5.0 4.0 4.1 4.4

    Read Citibank credit card reviews by the Mozo community

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