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  • Citibank Platinum Credit Card
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    Citibank Platinum Credit Card

    A credit card can definitely prove to be the best friend in your pocket. With great offers and benefits, a credit card makes your shopping and dining experiences all the way better. Citibank is one of the leading private sector banks in the world which offers several credit cards with a myriad of features and benefits on them, to meet the changing needs and requirements of its customers. The cards offer customisable and innovative solutions which can prove to be extremely beneficial for the customers.

    The Citibank Platinum Credit Card is one of the best credit cards, which ensures that it is a one stop solution to all your problems. Not only can you avail special offers on dining, travel and entertainment, but also, earn reward points for spending at different merchant outlets using your Platinum credit card. Enjoy a dedicated concierge assistance service round the clock.

    Features of Citibank Platinum Credit Card:

    • The Citibank Platinum Credit Card is tailored to meet the changing demands and requirements of the customers. Hence, as a Platinum Member, every spend using the credit card is definitely going to be a rewarding experience for you
    • The Platinum Advantage feature that comes with this credit card allows you to earn one reward point for every 125 INR that you spend using the credit card
    • Enjoy 5X rewards points at several merchant outlets, including some of the best shopping stores and top notch restaurants

    Benefits of Citibank Platinum Credit Card

    • Avail e-statement for your credit card whenever you want when you sign up to receive bank statements via e-mails
    • Keep track of all your expenditures made using the Citibank Platinum Credit card and avail better security
    • Paying all your bills is all the way easier using your credit card. Make use of your Platinum credit card and pay your utility bills as per your convenience without waiting in a long queue
    • Enjoy your shopping spree as you can pay all your shopping bills in easy equated monthly instalments

    Fees and Charges:

    Fees - The Citibank Platinum Credit card has no joining fee or renewal fee associated with it.

    Charges:

    Annual Fees and Joining FeesJoining and Annual fees for both Primary card and Additional card will be communicated when they are sourced

    Service Charge / Interest Rate

    The interest rate keeps varying between 3.10% per month (37.20% per annum) and 3.50% (42.0% per annum) depending upon several important parameters that include spends, utilization, pattern of repayment, etc.

    3.5% per month (42.0% per annum) is the maximum interest rate in case of a default

    Cash Advance fee

    Over Credit Limit Charge

    Charges for Late Payment (monthly basis)

    Petrol Transaction Charge

    ECS bounce charge / Cheque bounce charge

    2.0% on the amount advanced. The cash advance fee is subject to USD 7.5 at all the International ATMs and 300 INR in India

    2.5% of the total amount over the credit limit. It is subject to a minimum amount of 500 INR

    Up to 10,000 INR – 300 INR

    10,001 to 25,000 INR - 600 INR

    More than 25,000 INR – 700 INR

    2.5% waived off at all outlets of Indian Oil when you make the payments using Citibank EDCs

    Per returned cheque / ECS – 350 INR

    Booking for railway ticket or cancellation surcharge (For booking at the counter)

    Booking for railway ticket Surcharge (For booking over the internet)

    Charges for card replacement

    Request for Statement (beyond three months)

    2.5% of the total value of transaction. It is subject to a minimum amount of 25 INR

    For regular transactions it is 1.8% of transactions value and for 3 EMI transaction it is 2.8% of the transaction value

    100 INR

    100 INR

    Cheque charge for outstation ( Charge based on the value of instrument / cheque)

    Transaction of Foreign currency

    Up to 10,000 INR it is 50 INR per cheque

    10,001 INR to 1,00,000 INR it is 100 INR per cheque

    Above 1,00,001 INR it is 150 INR per cheque

    Mark up to 3.5% along with service tax as applicable

    Credit card repayments made in cash at Citibank branches

    Credit card repayments made in cash at Citibank ATMs

    100 INR

    50 INR

    The service tax, as per Government of India’s notification, is applicable on all interest, fees and different charges. As per the regulations of the Government of India, the service tax might change.

    Finance Charges:

    Interest is charged if you do not clear all the payments for your previous bill completely. Interest is also charged on all the cash advances and it is calculated from the transaction date till the settlement date. All finance charges are dynamic and can change depending on the periodic review of Citibank.

    Citibank Platinum Credit Card FAQs:

    1. How many reward points can I earn using my Citibank Platinum Credit Card?
    2. For every 125 INR that you spend using your Citibank Platinum Credit Card, you are entitled to earn one reward point. You can earn up to 5X reward points at select merchant outlets for shopping, dining, etc.

    3. Can I avail e-statements for my credit card?
    4. Yes, you can avail e-statements for your credit card anytime, anywhere from the banks online portal. All that you have to do is sign up for receiving statements via e-mails. This helps you to keep a track of all your expenditures and makes you feel much safer.

    5. Are there any joining fees associated with the Citibank Platinum Credit Card?
    6. No, there are no joining fees or renewal charges associated with the Citibank Platinum Credit Card.

    7. Are there any charges for late payment?
    8. Yes, charges for late payments are calculated on a monthly basis. The charges are as follows.

      Up to 10,000 INR – 300 INR

      10,001 to 25,000 INR - 600 INR

      More than 25,000 INR – 700 INR

    9. Do I have to pay any charges for the replacement for my credit card? Can the charges vary from time to time?
    10. Yes, you will have to pay an amount of 100 INR as card replacement charges. Yes, the charges may vary as all of them are dynamic in nature and may change as per the periodic review of Citibank.

    Other Top Credit Cards By Citibank

  • Citibank Premiermiles Card
  • Citibank Rewards Card
  • Indianoil Citibank Platinum Card
  • Citibank Rewards Domestic Credit Card
  • First Citizen Citibank Titanium Credit Card
  • Indianoil Citibank Titanium Credit Card
  • Citibank Prestige Credit Card
  • Citibank Corporate Credit Card
  • Citibank Cashback Card
  • Citibank Platinum Credit Card Reviews

    • Citibank Credit Card
      "Need to improve"
      0.5 2.0/5 "Expected more"
      I have my credit card with CITI bank.The credit limit was 56,000 which is satisfactorily . The customer service and responses was not up to the mark. I am not getting any messages so they have to Improve a lot on that note. My overall experience was not good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 23, 2018
    • Citibank Credit Card
      "Better service"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with CITI bank. The credit limit was 3,59,000 which is satisfactory . The customer service and responses was up to the mark.I hold citi cash back card and I am getting cash back offer as benefits here . My overall experience was better.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 23, 2018
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have my credit card with CITI bank for about 4 years back. I hold citi Rewards card and the credit limit was 80,000 which is satisfactory . Here I am completely satisfied with the customer service and responses so my overall experience was excellent and I would like to recommend to others.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 23, 2018
    • Citibank Credit Card
      "Not bad"
      0.5 3.0/5 "Satisfactory"
      I have my credit card with CITI bank. The credit limit was 50,000 which is satisfactory .I am satisfied with the customer service and responses .I hold Indian oil petroleum card. I have no much benefit of holding this. My overall experience was not bad .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 23, 2018
    • Citibank Credit Card
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with CITI bank for about 6 years back. The credit limit 2.26 lakhs which is satisfactory . I hold rewards International card and I am holding rewards card as benefits. I am satisfied with the customer service and responses.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 23, 2018
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have my credit card with CITI bank for about 9 years. I hold rewards card and the credit limit1.3 lakhs which is satisfactory . The customer service and responses was up to the mark. I have 24/7 helpline number. My overall experience was excellent.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Feb 23, 2018
    • Citibank Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      Citibank has offered me a credit card. Once I spoke to them for something and they responded. There are charges of 1K. If I used my card for 30K in a year the charges are waived off. The credit limit is of 58K, I did not get any call to confirm the limit and was told that after the transactions the limit will be increased.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 23, 2018
    • Citibank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have taken a cash back credit card with Citibank . There is a 5% cashback on movie ticket purchases, telephone bill payment and utility bill payments. The credit limit is good and the charges are Rs. 500. The customer services and response is also good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 23, 2018
    • Citibank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have taken a credit card with CITI bank,the limit on the card is 72,000,i have an annual fees to use this card,they had offered a Premier miles card.I get best offers for Air travel and miles points for every purchase i make on the card.They had processed the card within 15 days of time.Documents were collected from door step.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 23, 2018
    • Citibank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      It was a good experience with HDFC Bank for the cash back credit card. The documents was collected on time and the card was sent to me on time too. I got the card within a week. I have not used the card much and I am not sure of the offers. The credit limit is good for me. It is a chargeable card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 23, 2018
    • Citibank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am having a CITI bank credit card from last 7-8 years, i am very happy with the credit card services, it is comparatively good than other cards. There is no annual fee charged for this credit card. I am not aware of any offers in this credit card and the card type is rewards credit card. I use net banking for making payments and i am happy with the credit limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 23, 2018
    • Citibank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have applied for a credit card with CITI bank,the limit on the card is good ,the card has an annual fees of 500,they had offered a cash back credit card,the service was extremely good but i am not happy with the dispatch process as the courier guy did not give a call before dispatching the card finally had to call the bank number of times and later they had dispatched.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 23, 2018
    • Citibank Credit Card
      "Service is better "
      0.5 4.0/5 "Great!"
      I received the CITI REWARDS CARD within 10days of time. The customer support service is good with the Citibank. The credit limit value is low with the CITI REWARDS CARD, it would be great if the Citibank can increase the credit limit value in future.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 23, 2018
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I got the CITI bank credit card and the customer service is good one too. I would like to say that the response is also good too and the credit limit value is an excellent one with the CITI bank credit card. Online portal of the CITI bank credit card is good too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 23, 2018
    • Citibank Credit Card
      "Wonderful"
      0.5 4.0/5 "Great!"
      Customer service with the CITI bank credit card is good one and the responsiveness too. Credit limit value is fine one for me with them like its around 50000 Rupees. I would like to say that the offers are good one with the CITI bank credit card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 23, 2018
    • Citibank Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      Customer service with the CITI bank credit card is good one for me. I would like to say that the response is also good too and the credit limit value is okay for me like its around fifty thousand Rupees. Online portal of the CITI bank credit card is good too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 23, 2018
    • Citibank Credit Card
      "Better service"
      0.5 5.0/5 "Blown Away!"
      I have got the Insta loan from the Citibank for the 3rd time. The customer support service is good with the Citibank and they give immediate response to the customers and they will the disburse the loan amount within 48 hours of time. The rate of interest and the charges are pretty high with the Citibank insta loan.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 23, 2018
    • Citibank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I hold the CITIBANK INDIANOIL CREDIT CARD for the past 10 years. The customer support service is good with the Citibank , and I never faced any issue from the Citibank services. The credit limit value is high with the CITIBANK INDIANOIL CREDIT CARD and I am satisfied with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 23, 2018
    • Citibank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The Citibank credit card service was good and I have got the Citibank cash back credit card within the promised time . The customer support and the response is average with the Citibank. The credit limit value is good with this card and I am satisfied with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 23, 2018
    • Citibank Credit Card
      "Good card"
      0.5 3.5/5 "Pretty good"
      I hold a credit card with CITI bank with a good limit. I have not checked for the reward points and cash back with the card. There is an annual charge with the card, and if i spend 40000 for an year then the annual charge will be waived off. Internet banking is not much friendly.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 23, 2018
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