Originally Posted by writetorich
Officially, its suppose to be your CHOICE of ONE card as listed below. Others say ONE citi credit product priced $95 or below.
Still others (Dolmar ) have reported getting all three fee free, I guess there are diffrent kinds of gold
If you have it because of a motrgage, I suppose you don't get treated as well as someone with seven figure depostit accounts AND a SB relationship
* Annual fee waived Citi® Platinum Select® / AAdvantage® World MasterCard®
* Annual fee waived Citi PremierPassSM Card - Elite Level
* Annual fee waived personal Diners Club® Charge Card
In my view, the AA card is for the sign up bonus anyway. AND I fly AA!
Why would I charge on this when I could use Starwood.
Their are differnt levels of Citigold to start off with depending on your balance and how that balance is obtained.
Mortgage balance accounts is lowest tier with lowest benfits. - standard Citigold benfits and dont bother asking for any extra fee waivers as more than likely you wont get them.
The cash/brokerage balance tier is as following:
$100K-$250K - Standard Citigold benfits.
$250K-500K
$500K-$1MM - Adds free small safety deposit box.
$1MM-$2MM - unlimited free fed wires, Free medium safety deposit box and unlimited ATM rebates.
At $2MM+ you can ask to have your account switched over to the Citigroup private bank.
Then their is older pre 2000 teirs and benfits. I have an Older Citigold account which falls into this grandfather type of accounts that was transfered to Citigroup Private bank back in 2000 when Citibank bought Cal-fed in California as pre 2000 all the Citibank accounts in California were private bank accounts. My checking account number is 6 digits.
Old Citigold accounts required $250K+ cash/bokerage balance their was no mortgage waiver option. The extra benfits given to what Citigold referes to "Legacy Citigold" members is the following: Free unlimited ATM rebates charged by other banks, Free Safety deposit box and free fed wires placed via the branch. If your account is householded at the Private bank then you get free online fed wires too. "Legacy Citigold" accounts were also issued a "Private Bank Select AA Visa" which has no mileage cap what so ever and the $195 annual fee is waived as long as you maintain your Citigold account. Legacy Citigold accounts also have their account set up just like SB FMA accounts and all cash is swept into your choice of MMF like Ca tax-free, NY tax-free, NJ tax-free and US Treasury sweep or Citi reserve.
While the new Citigold accounts have a standard FDIC high yeild checking account which pays a lower yeild but is FDIC insured.
Now I do most of my banking one of the pre Cal-fed Citibank branches because I have 2 large free safety deposits boxes their 24"Wide by 24" high by 24" deep who still has the bank manager from before the Cal-fed buyout who has told me that most of the new Citigold accounts opened after Cal-fed merger are mortgage balance waiver accounts which Citibank has told local branch managers not to waive anything extra over the standard current Citigold pricing but if current Citigold account is a cash/brokerage qualified account the manager is free to extended any and all of the older Citigold benfits on a per basis waiver as their is no way to hard code the accounts like the old Citigold accounts because that pricing package has been removed from the new account set up.