Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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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
      "Best card to hold"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card from CITI bank.The limit on the card is 80,000,happy with the limit they have offered me.I don't pay an annual fees to hold this card.I have been using this card for last three years,The net banking and phone banking service is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 20, 2017
    • Citibank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am using Citi bank credit card from last 8 months, they provide good services on credit card when compared to all other credit cards. This credit card is for free for the first 3 years and from 4th year onwards, they charge an annual fee of Rs 500. Offers like cash back and reward points are good in this credit card. I use this credit card for shopping and groceries. I am also satisfied with the credit limit.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 20, 2017
    • Citibank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      Everything was fine with Citibank and the services are okay too. I was contacted on time and I was offered the credit card. The credit limit is not up to mark. I suggest that the bank should have checked the transactions of the other bank cards I hold and provide a better limit.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 18, 2017
    • Citibank Credit Card
      "Excellent process and services"
      0.5 5.0/5 "Blown Away!"
      I never had any problem to get the cashback credit card of Citibank. I am using the card and there are no issues. The transactions are smooth. The statements are sent to me on time and the billing cycle in good and the credit limit is to my satisfaction. It is a life time free card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Citibank is excellent in the customer services. I hold a credit card and the bank has offered me a credit limit of three to four lakhs. The bank has always been supportive and I am happy to bank with them. The deals on the card is also good and the statements are clear.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2017
    • Citibank Credit Card
      "Best card to use for deal"
      0.5 5.0/5 "Blown Away!"
      CITI emi conversion charges are good for the credit card transactions, still now I didn't reach the customer care because I didn't face any issue on it. I have CITI reward card, I am getting points for all transaction, I am using this credit card from August onwards.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
    • Citibank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with CITI Bank. They charged high processing fee. They offered IndianOil Citi Platinum credit card. The customer service and response was good. The credit limit was 50K, it would be great if they increase above one lakh rupees.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 18, 2017
    • Citibank Credit Card
      "Convenient card"
      0.5 4.0/5 "Great!"
      I find CITI bank is better interms of credit card offers. They charge annual fee on this card. I hold CITI REWARD credit card probably for five years.The reward points are moderate but cash back offers are good. The customer service and response is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
    • Citibank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      CITI offered reward credit card, I am getting much reward points compared to other credit card. I do get earning point for dinning, shopping etc, I can use this use this point for cash back. I am satisfied with their service of CITI bank as it is good.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 18, 2017
    • Citibank Credit Card
      "Good "
      0.5 3.0/5 "Satisfactory"
      I have got the credit card with the CITI bank and the experience was good and the response was good too. I would like to say that the credit card got disbursed within twenty to twenty five days of time. I am happy with the CITI bank credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 18, 2017
    • Citibank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have applied for a credit card with Citi bank. I have been using their Citi bank's cashback credit card for the last 6 months now and till now it is a good card for me like my other credit card with SBI. There is Rs. 499 annual fees applied to this credit card also.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • Citibank Credit Card
      "Good"
      0.5 4.5/5 "Excellent!"
      My credit card was taken with CITI bank. The credit limit was 65,000 which was satisfactory . The customer service and responses was up to the mark here. I am holding Indian oil platinum international credit card and I can redeem the points on the purchase on fuel. I have no idea about the interest rate and charges . My overall experience was good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 18, 2017
    • Citibank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      My credit card was taken with CITI bank. The credit limit was 1 lakh which was satisfactory . The customer service and responses was up to the mark here. I am holding cashback credit card and I am getting cash back offers I have no idea about the interest rate and charges are average . My overall experience was good.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 18, 2017
    • Citibank Credit Card
      "Excellent"
      0.5 4.5/5 "Excellent!"
      My credit card card was taken with CITI bank 9 years back . They have offered rewards point and I have receive rewards point as benefits . The credit limit was 3 lakh which was satisfactory . The customer service and responses was up to the mark. The interest rate and charges are average in the market . My experience was excellent and its recommendable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
    • Citibank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My credit card was taken with CITI bank few months back . The credit limit was 4 lakhs and I am satisfied with it. I hold Indian OIL platinum International credit card and I can redeem them on the purchase of fuel . The validity of the card is till 2023 and I have 24/7 helpline number .The customer service and responses was up to the mark .
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
    • Citibank Credit Card
      "Branded credit card"
      0.5 3.0/5 "Satisfactory"
      CITI used to add lot of extra charges for the credit card transaction, I am holding this account for past six months. I didn't any best offer from them. Customer care is also not good, many times I tried reaching them but I could connect with the executive, they should improve the helpline desk.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 18, 2017
    • Citibank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      My credit card was taken with CITI . I hold citi cashback international credit card . I am getting cashback offers here and the credit limit was 60,000 which is satisfactory . The customer service and responses was not bad . The rate of interest and charges are average in the market so its recommendable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • Citibank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      I hold CITI bank's credit card . The credit limit was 90,000 and I am satisfied with it . The customer service and responsiveness was good. They have offered citi rewards International card . The interest rate and charges are not high here so I had a very good experience .
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2017
    • Citibank Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I have my credit card with CITI bank. The credit limit was 30,000 and they have offered cashback credit card .I am getting rewards point ad cash back offers. The customer service and responses was up to the mark. My overall experience was excellent .
      Was this review helpful? 0
      , noida
      Reviewed on Nov 18, 2017
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Citibank works great on the credit card too. Every month they will send the statements on the 2nd. They always inform me if the server is down on so and so date and they would inform us not to make any transactions. The credit limit is good and it is a life time free rewards card. I get a lot of points on the card. Sometimes if the payment gets delayed it gets back to my account in five to ten minutes. Where as HDFC Bank it taken seven days.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
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