Citibank Gold

CitiBank Gold has been wonderful – After spending 37 years of life and being conned by every bank of the Big 4 and then some, I decided to try Citibank after seeing signs posted on many major airports both in Australia and Worldwide. They have been super and not just for the wonderful service they provide, but they have reimagined the way of banking showing 'pending' transactions… Read more

and they offer their exclusive Citibank Dining Rewards. Nothing beats good food with a bottle of James Halliday rated wine (90 points and above means good wine). I cannot fault them

After 10 days Citibank still hasn't managed to give us our funds back. Don't give them your money – We have a Citibank gold account and have recently moved overseas. I have been trying to transfer a large sum of money to our new Danish account. Citibank offered an incredibly bad exchange rate so I decided to go with OzForex for the transfer. However after 10days, 3 faxes, several emails and calls they still haven't transferred the money to… Read more

OzForex. I spoke with the branch manager several times and have lodged a formal complaint. They are very happy to take your money but getting it back is a very different proposition. Don't bank with citibank. I only gave them one star as no stars is not an option.

This is a complete nightmare. Avoid them.

Balance Transfer Cash Rate – Entirely my fault - I didn't notice this card would revert to the exhorbitant cash rate once the cheap period was over. So, not only was I was still paying off old purchases on credit, now I'm being charged for them as if I withdrew cash. Now any perceived savings in interest will be gobbled up very quickly by the new extortionate rate. You'll… Read more

only get me once Citibank. I will never ever be back for any of your products, ever. Thanks for the great lesson. I'll pay this one off and close it as quickly as possible now, which isn't a bad thing anyway. Thanks for nothing citibank sayonora. good internet security well hidden fact (at the time) that this card reverts to a very high cash rate after the honeymoon. Beware!

Terrible – Stay away from this company! Do NOT get a Credit Card from them! I have had nothing but trouble with these people. I am generally a very good payer - I always pay my bills on time if it is humanly possible. However, the first time that I was a day late paying a bill due to my pay cycle getting out of whack with the billing cycle, they were on… Read more

the phone harrassing me to pay up immediately. They are the only company to ever call me at work to demand payment when I was a day late. Unbelievable.

Getting their credit card was one of the worst decisions of my life. Nothing at all. I wanted to rate them a 0, but this site won't let you. High charges. High interest. Appalling service. Incompetent and harrassing staff.

Low rate balance transfer a scam - getting charged standard rate for its high annual fee! – I guess it's all my fault for not reading the tiny print - but this never happened to me before. After transferring my other credit cards balances into this no so great credit card. I noticed that I was getting charged nearly $3 each month on purchases.I was confused, considering I have not used the credit card for purchases at all. When calling… Read more

the customer service centre (and waiting nearly 40min to speak to someone) the service officer could not explained why I was getting charged. After looking on the internet for complains, I found out that the $3 charges each month is due to the $149 annual fee. Wow! Double dipping? of course. Ok, it might be only $3, but can you imagine how many people are paying interest on these?? How outrageous! Not only this is the highest annual fee I have ever paid, but also I consider this credit card useless. Free travel insurance? Not worth it. You have to buy the travel tickets with them (obviously) to be entitled to buy the insurance, but then again, the savings are not that great when you are paying high interest rate to these greedy people. I am so disappointed on their service and after reading a few reviews here, I don't think I will be using it overseas, after finding out that their charges are even higher for overseas purchases!

Also, I decided that to avoid any penalty charges ($30 for late monthly payment)I would fill in the form to ask for the minimum monthly payment to be deducted by direct debit from my bank account. At the same time, I would add $100 each month, this - I thought - would quickly pay off the balance on this card before its high interest rate hits in. Well, not so easy. Because I was making payments to the credit card, they did not go ahead with the direct debit, I asked the officer WHY? Again, she could not help me. It's apparently how the system works she said. HA! Of course, the bank wants you to never finish paying your balance so then you get stuck with the high interest rates. In the end, I asked the girl to change the minimum payment to a fixed $150 monthly payment. She said she could not do it over the phone (oh dear God!) , but that she would send me some paperwork to fill in and then I have to send it back. Seriously? It has been over a week and unless they are printing this paperwork and sending it attached to a pigeon it seems I will never get it!! Never again Citibank!

Worst credit card provider! – I have always paid off my credit card in full each month but after my card expired they never sent out a new one. I called their call centre several times and on each occasion the customer service rep would give me a different story. It was very frustrating and after several months of not having received their credit card they slapped me with an… Read more

annual card fee. They have not provided me with any service and yet they still want to charge me an annual card fee. I called the call centre to get my account closed but they have made it very difficult for me. They said that they will call me back, but they never do. I just want this nightmare to be over!

Really really really bad customer service

Terrible – My experience with citibank has been woeful. My minimum payment was $150 and I made my first payment of $250, only to receive a phone call 8 days later that my billing cycle had changed and I owed more money, I paid them $200 and arranged a direct debit form which I handed in personally at their Perth office and assured that it would take 2 days… Read more

to process. Three days before the due date I called and was told that the direct debit had been processed and payment would go through on the due date. A day after the due date, no money had been transferred, I called and was assured that it would occur in the next couple of days, still no transfer, I called again and was again assured that this would be happening any day soon. Next thing I know I'm getting a very nasty phone call requesting two payments and a let payment of $40 immediately. I enquired about the direct debit form and was told they've never received any such thing from us. Stay away from Citibank. low balance transfer interest rate offered for long period incompetent staff who tell you something different every time

Bad – i think theres much better deals to be had these days with credit cards.theres nothing outstanding about this credit card.overall citibank provides an average service with this credit card.i wouldnt recommend it have had card for over 11 years.good rewards program.free international travel insurance very high interest rate charges.very high annual… Read more

fee.even though ive had it for a long time i get nothing for being loyal.generally incompetent call centre staff.

Terrible – Customer service is a massive let down. Its a pity because this card has some good advantages. Many of the call center staff don't seem to know what they are doing. I guess their systems and proceedures are part of the problem. They never follow up when they promise to solve problems. They politely told me I will not be penalised for the… Read more

problems and you can guess what happens next. Instead of calling them you might as well just talk into a paper bag. I am using Westpac Altitude Gold now and my life has been better so far. Westpac customer service is first class compared to Citibank. Wide selection of rewards, Worldwide branches, Pretty looking card. Customer service is really shocking. Unprofessional and incompetent. It simply isn't good enough - Not even close!

OK – A good deal but be aware of the fine print. Never spend if you are transterring debt and be prepared to pay interest on their fee's. Customer service is very ordinary as well. Low interest rate balance transfer is not a bad deal That they charge you full interest ie. 18.99% on their fee's. This fact is hidden in the small print and when worked out… Read more

over the life of the loan is adds a considerable amount. They class it as a spend and anything you buy is the last thing to be paid out. I have only had this card for 6 months and transferred a lot of money on to it so that means I'm looking at paying interest for the next 4to 5 years.

OK – Products much better than service. Every human contact I have with Citi makes me want to cancel all my accounts. If I stay on the web, I can tolerate their products. They have a HUGE opportunity to improve. Accepted everywhere. QANTAS points 1 to 1 Absolutely abysmal phone support. "Press 3 for cards, press 1 for rewards, enter your card number,… Read more

enter you pass-code . . . were sorry, the Citibank office is closed". Perhaps that could have come first?? And that's only one example!

Web management is OK, but far from intuitive.

Good – This card is so friendly with me, all transaction easy to pay no need cash money. more secure and I really have enjoyed this company and card Wonderful life with gold card Difficult to get the gold card

Excellent – Nothing like citibank gold card.Wherever you go and flash out citibank gold card people arount you look at your card with envy,especially in Asia pacific region Beautiful design,gold presitage and much more golden worth

Bad – Would I recommend this card / company.. NO.. after clearing the balance totally and putting a few hundred dollars on it in my favour for when I travelled to Asia... it was a nightmare.. even though I rang the bank and advised them I was going overseas (twice!)... first transaction was blocked a whole $30 AUD... and then everyone after that. … Read more

After repeated long distance phone calls to australia (and no they won't ring you back.. company policy.. and I had an Australian mobile) I was give several different reasons.. I didn't tell them I was travelling(then they found on their computer that I did), insufficent funds (the acccount was in my favour), risk of a security breach... etc etc. in the end my card was frozen for 24 hours and all that citibank austrlaia could suggest was that I try to use my husbands card on the same account. Did that.. It worked once, then froze too. So don't ever rely on having one credit card for overseas.

After 3 phonecalls and demanding to speak to a manager, I was told the best they could offer was to email support, yet because it was christmas eve and they were closed until the new year it would be ten days to get answer...

That was no way acceptable, and eventually after several days the card was unlocked. To this day, 6mths later I have had no answer as to why it all happened, and what the problem was.

Up until this experience I was reasonably happy with Citibank. * frequent flyer points * extremely poor customer service

* poor support

Terrible – Everything was fine until I wanted to pay off the balance, transfer my qantas points and cancel the card (to get a loan approved for a house). Impossible. Ensure you understand how to do this before getting a credit card, they are not the easiest accounts to close. Simplest way is pay of the debt and chop it up. Main reason for cancelling is the… Read more

annual fee..

I also experienced different call centre staff telling me different things about the process to cancel the card and transfer my points. very annoying. Customer service is friendly and happy and very customer focused in the beginning. However, everytime you call they want to sell you something at the end of the conversation. Upsell gets annoying and boring sometimes.

Excellent – We just applied for one of these cards to take up the 1.99% balance transfer offer. I did the application online on a Saturday and by the Tuesday we were approved. I liked that I could log on and electronically check the status of my application without having to wait in a phone queue. Customer service was fantastic with our cards arriving… Read more

within 5 days of the application being approved.

Cant speak highly enough of their service to date. They are friendly and efficient in their customer service. Very happy. Balance transfer rate, Fast approval time, fast issuing of cards

OK – Lucky for me I am very careful with how I use my credit card so I don't incur high interest fees, however the points/rewards system could be dangerous for those who are vulnerable and that is what they hope for. I haven't had too much trouble with customer service..considering they are non Australians which is frustrating when they call you 'Mam'… Read more

and then proceed to tell you about special insurance offers etc when you only rang for a little querie...you have to be tough and say "look that is all I wanted thank you..bye" BUT the most frustrating thing for me (which I am sure all companies/banks alike do) is that I constantly get letters in the post telling me I can have my credit limit increased if I just sign on the dotted line...What the?? If I wanted more credit I would ring up for it...don't try and push it down my throat on the off chance I may be vulnerable (especially at xmas time)...very very rude!! What if I can't afford to repay it?? Flash Looking gold card! Great rewards point system which works very well if you pay your balance every month and don't let it get out of control otherwise it is a con to get you to spend more than you normally would. Expensive annual fee ($119.00 for what??) which gets added to credit card with no warning and when you go to use it you may not have enough credit available.

Excellent – Fantastic easy to use anywhere card that as long as you remember the golden rule of not overspending and paying the balance off in full before the iterest free period is up the card can earn you lots of things and not even cost you a cent. Yes there is an annual fee but this too can be paid for by your reward points. Using this credit card to its… Read more

maximum is truelly a way to beat the banks at their own game. Have your wages earning you interest for 55 days and pay everything using your credit card. Have an automatic payment set up so that you don't even have to remember to organise payment so you are never late to incur any fees. You will earn interst on your money and reward points on the banks money. Its a win win situation as long as you are always aware of your finances and do not spend more than you earn simply because its there on credit. Remembering the golden rule that what ever you put on credit needs to be repayed so use wisely and you will reap the rewards. The best ever reward programme whereby you can purchase items, store vouchers, frequent flyers or even convert to good old fashioned cash... Absolutly nothing...

Good – Some people were lucky enough to be offered this card fee free for life - what a bargain given that there is no additional rewards fee (like AMEX has) Good rewards program 60000 pa limit is better than ANZ's 2500 per month Calls to call centre cumbersome and frustrating High fee for foreign purchases

OK – Citibank have changed the rules (again). Now you can only transfer frequent flyer points in lots of ten thousand points (it was in lots of five thousand just last month). They did not give any warning they were going to do this. I will be looking for a better deal but this card seems to be the best in the marketplace at the moment. One dollar… Read more

earns one point. Visa is accepted everywhere. Free travel insurance with holidays purchased is a real bonus. You can only transfer points in lots of ten thousand points. The annual fee is a little expensive and the interest rate is high.

Good – cute card, smart card, i really referral it to you if your position right now cannot take the platinum. don't take too much time, get it now! n make your days happier n easier to go every where It's one of interesting credit card that make we are really enjoy to shop and eat with many interested products, programs and variated discount in It's… Read more

promotion every weeks and month. It's can help you from your variated monthly problem too with It's one bill promotion. higher interest, higher other charges and cannot be use again in airport lounges.

Good – It's a good card to have.. i think everyone with a good income should have this card. It gives u a lot of benefits, discounts and much more.Personally i use this card only for the discount :) It has a really good program & a good benefits the interest & annual fee is too high

Terrible – Not for me but they will pretty much approve you for one without to much hassle. It is very expensive to keep and once again the card is unreliable and not good quality. Not much at all I found that the service that came with this card was terrible, the interest rates are astronomical and it is not as widely accepted as I thought it would be,… Read more

being a visa I thought I would have no trouble purchasing anything but it doesn't always work and it gets worn out really quickly and it doesn't work at woolworths supermarkets in their eftpos machines very well at all. It has a very high credit limit which is a little unfair it means that it is heaps easier to get yourself into some serious debt.

Bad – There are much better cards than this one. The gimicks that come with it are initially appealing but to me they don't make up for the high interest rate and poor customer service. I initially liked the high credit limits but after they offered to increase it to over $20,000 I thought it was the easy way to financial ruin so I cancelled the… Read more

account. High credit limits (which seem like a good idea at the time). The interest rate is way too high. Customer service is poor. I find using their overseas call centre intensely frustrating as problems sometimes aren't solved and take repeated phone calls for resolution.

Bad – Their service people in the Phillipines are very polite but really not capable of handling the situation. My levels of frustration grew each time I tried to call again to resolve the issue. They refunded my yearly fee but considering the angst and the fact that I get no annual fee for my gold Amex - see ya later Citibank! (Moving to Platinum… Read more

Amex with high annual fee but 1.5 points per dollar and a "free" domestic flight per year). Points system is great High interest rate (even though I pay the balance each month), the worst service I have come across (the call centre does not make outbound calls in response to complaints), starting internet banking up was an absolute trial, don't miss your payment in error or $30 later.........!

Excellent – Our Gold Card has an automatic payment every month that wipes out any existing debt, so we pay no interest, only yearly fees of $35. It is tied into our Revolving Mortgage and helps bring down the principal by not having to draw on it except when the credit card is paid off. The Rewards accumulate quickly and the website to redeem them works well… Read more

and has a large range of rewards. You can even get cash back towards your credit balance, very useful if you can't find what you like or are a bit short of cash. It is accepted at any ATM without charge, a rarity in today's charge-a-lot society. The service is not bad, based in Asia (who aren't nowadays) and all problems have been resolved fairly promptly. We opened this account on the advice of an independent mortgage broker. I can recommend this card to anyone, without reservation. Great rewards, accepted at any ATM without charge None really

Excellent – The Citibank reward system is simple and permits flexibility. The only limitation is the yearly limit of 60,000 points accumulation The quality of the rewards, the ability to convert to Qantas Frequent floer points & the ability to book air flights with ant airline via Citibank using your points

Bad – Very poor customer service, high interest rate,high yearly card charges, when you have issues you have to wait too long, sometimes you do not get put through to the appropriate department to handle your complaint, call centre is handled overseas. Great rewards available, easy to collect rewards interest rates too high, cannot get help easily when you have a problem, call centres are all form overseas

Excellent – Ease of Citibank website to enable transfer of frequent flyer points on the reward page is far superior to our previous card's system where you rang to transfer and pushed buttons for ever to allow transfer to happen, I would recommend this card to anyone who is looking for an easy card to live with with a very user friendly web page as well to… Read more

enable paymenys ETC to happen so smoothly and the rewards system seems to work well also overall very pleased with this card. I am very pleased with the card as it is accepted everywhere allows 1 point for each dollar spent toward Qantas frequent flyer program, access to all ATM's fee free. The obvious overseas call centre while helpful sound like they are in a tunnel.