Like the Westpac 55 Day credit card, the Citibank Silver credit card doesn’t really seem to do anything to compete in today’s credit card market so is a bit of a dead end.

There are a variety of features which you would think would make it a valuable card; however they are all just too inconsistent. The annual fee of this Citibank Silver credit card is teamed with overall interest rates for purchases and for cash advances, and up to 55 days interest free.

There is a rewards program on this card which awards one point for every dollar spent using the Silver card and cash back offers, though it just doesn’t really seem worth it when the interest rate is more in line with that of a platinum credit card rather than one that is a step below a gold card.

As a premium card it’s credit limit of $7,500 is quite low. Especially when you consider the next step up is the Citibank Gold credit card which has a credit limit $60,000. It really just highlights how inconsistent the Citibank Silver credit card really is.

The introductory rate on balance transfers for this card is for the first 12 months, after which it increases.

Unfortunately for Citibank this card doesn’t quite cater to the needs of anyone who is looking for a credit card of any kind. Put simply there are just better options out there for every single aspect of this credit card.

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