Based on a design that lacks focus and tries to throw everything at you at once, it seems that Citi is trying to recruit every known human being to get some sort of card from them. Not a bad goal, but if you focus on everyone, you tend to captivate no one.
Also, the page lacks negative space and has very little white space. The vectors are all basically horizontal. Colors aren't bad, but also don't really pop out at the viewer. It all fades to a kind of pale blue. All in all, the page hearkens back to earlier days of the internet where the goal was to just get a lot of information out on the web, no matter how cluttered it looked.
Here's a site with what I feel is a better page layout.

There is much more negative space, allowing the eye to focus on the important parts of the ad. The asymmetrical balance of the picture of the car allows for a compensating balance of the copy on the left of the page. The vectors of the wall and the car also bring the eye to the copy. But probably my favorite part of the ad concept is the interactivity of the ad. It allows the viewer to design a route to anywhere in the world and test drive it inside the vehicle - a virtual test drive, if you will.
Finally, I leave you with a fun demonstration of what happens if you over-design your packaging. Here's what would happen if you let Microsoft package an Apple product.

