The Citibank Gold credit card has a variety of features that you would expect from a gold credit card which makes it far more balanced and appealing than the Citibank Silver credit card.

Benefits of this card include a complimentary rewards program with the option of cash back, international travel insurance, purchase protection insurance and the availability of either Visa or MasterCard.

An interesting feature that is also available is it that it gives extra protection from fraud through the use of a digital signature and a photo card which is not often seen on a credit card.

As a premium credit card that sits in the middle of the range, the Citibank Gold card’s features are somewhat standard as they are matched with high rates and fees. Like the Silver credit card, the interest rate on purchases and cash advances, however you’ll get  for the first 12 months on balance transfers. This also comes with up to 55 days interest free.

Overall, the Citibank Gold credit card is a much better option than the Citibank Silver card as there are many more features that give it more value for money.

But in terms of premium credit cards, if you don’t always pay your monthly balance in full then there are many other better value options out there so it would pay to have a look around. Your wallet will thank you for it.

See our top credit card picks in the Editor’s Choice category