Subject to your acceptance you will be billed an annual account fee which is currently $119 for the Primary Citibank Gold card, and $30 for an Additional Citibank Gold card.
i tried to apply for nab mini for a bit more rewards and also a lower credit limit for online transactions, but was rejected, maybe because having too much credit balance with citibank..
so i would recommend any one who don't have a credit card to apply for a nab mini first, for credit limit no greater than 1000, that would be perfect for online usage. And after getting that, apply for another one such as citibank gold (nil annul fee one) with greater credit limit.