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  • Citibank Platinum Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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
      "Average Service"
      0.5 4.0/5 "Great!"
      I wasn't specifically look for CITI CASHBACK CARD The offered 1500 Amazon Gift Voucher.. I use the card for online shopping and payments on Shopping malls. The main drawback of this card is that the rate of interest is higher than the existing cards in the market.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 25, 2018
    • Citibank Credit Card
      "CITI credit card"
      0.5 4.0/5 "Great!"
      I hold a credit card with CITI bank and i am satisfied with the limit. From this card cash withdrawal is possible. The annual charge is 500 rupees. Till now i have not yet done any EMI conversion with the card. It is very helpful and good for purchases.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with CITI bank 9 months back.The credit limit was 50,000 and i hold reward points as benefits . I am satisfied with the customer service and responses . I have 24/7 helpline number and OTP device to login. I had a good experience overall so its recommendable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The Citibank gave me good response in regards to my credit card application. The customer support service is good with the Citibank. I have got the Citi cash back credit card within a week time. The credit limit value is good with this card and I am satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I am using CITI bank credit card from last 10 months, i get good offers like reward points on this credit card. I am satisfied with the credit limit in this credit card and they charged an annual fee of Rs 500 for this credit card which has to be paid every year.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The documents were collected on time by the Citibank executives in regards to my credit card application. The customer support service and the response is good with the Citibank. They delivered the Citi cash back credit card within 15working days. I am satisfied with the credit limit value.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The Citi rewards credit card is good and I use this card for more than a year. The customer support service is good with the Citibank and they give good service to the customers. The credit limit value is good with this card and i am satisfied with it. The offers and the benefits are good with this card and I am happy about it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      I have been recommended this card by my family member's which made me to take this card. They had given me points and deductions in certain purchases. They are charging me Rs.1000 as an annual fee. I am not satisfied with the credit limit which they provided which is less than my previous credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I bought the Citi rewards Card online as it was recommended by one of my friend. The features found during the purchase seemed beneficial for me. I haven't used the card much overall I'm happy with the features and benefits of this card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken this card for the cashback benefits which they provide. Up to my knowledge i have not got any services which they are providing nor any bonus points which they are giving. Have been from using this card for the last 6 months and so far there has been no problem with this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "CITI cash back card"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with CITI bank. The card which i hold is a cash back credit card. Easy emi is available apart from gold purchases.I do get cash back but not yet received but reward points is there. The customer service and response with the card is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Excellent service"
      0.5 4.5/5 "Excellent!"
      I have chosen this card since it is a cashback card. I am satisfied with all the features which they are providing. The credit limit not so good, but it satisfied my current needs, but i have to move to some other cards which gives me a higher credit limit which is above 1L.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Citi Rewards card for the past 7 Months. I already had a Salary Account with Citi and I'm happy with their services. Their Rewards Points system is pretty good and reward points can be automatically redeemed via BookMyShow for booking tickets.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      The customer support service is good with the Citibank , I use the Indian oil citi platinum credit card for more than a year. The credit limit value is good with this Indian oil citi platinum credit card . The rewards points cash back offers are good here with this citi credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Citi credit card service is good. The customer support is prompt with Citi credit card service. They offer me with good credit limit. Citi online net banking is easy for navigation with lot of good options. The rate of interest is little high compared to other credit service providers from the market. It was an good experience with Citi credit card service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Super Fast Service"
      0.5 4.0/5 "Great!"
      I bought the Citi Rewards Card Online after comparing it with other cards available. Citi has more offers and the application process was smooth and hassle free. I just got the card, I'll be able to tell more about the card after 2-3 months of the use. As of now, I'm happy with the features they offered.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The Citibank is service is good in regards to my credit card application and I have got the INDIAN OIL CITI PLATINUM CARD within 5 days of time. The customer support and the response is good 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 Apr 24, 2018
    • Citibank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I bought the Citi Cash Back card because the charges were very low when compared with the other cards available. They offer 5% cash back on movie ticket purchases and telephone bill payment, utility bill payments. Apart from that there isn't any other specific reason to choose this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Need to work on the customer service"
      0.5 2.5/5 "Just OK"
      The process was okay with Citibank. The documents was collected on time and the credit card was also dispatched without a delay. But the after sales experience has not been up to the mark. I been trying to reach out to the customer care team as I need to log in to the net banking, I am unable to connect. The limit is only of 75K, I was expecting one lakh. There are rewards points and EMI facilities, but I have not used the card yet.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the Citi Cash Back Card for the past 2 Months and I'm really happy about the features. I've compared sveral credit cards online and Citibank Cash Back Card had more benefits than the others in the market. I've already recommended this card to my friends.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2018
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