The safe deposit box gets a 50% discount. You get more thank you points on your account - so if you have 7 products you get 1200 a month. I have more than one checking account so I get 1200 on each. The premier pass card is waived. If you apply to each card allowed, but individually tell them you are Citigold when they start to charge a fee it should be reversed. Maybe I'm grandfathered in but I have more than one card with the fee waived. We will not be losing the Diner's Club card which had the fee waived but it will no longer be issued by Citibank. I used it only for car rentals. Anyone know of any other card that has primary insurance on car rentals. Free incoming wire transfers. Free travelers checks. No foreign exchange fee using your debit card in a foreign country. Free checks. I've been happy with Citibank and the Thank You point program.