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  • Citibank Platinum Credit Card

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  • 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
  •   

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    Citibank Platinum Credit Card Reviews

    • Citibank Credit Card
      "Good card for all spends"
      0.5 4.0/5 "Great!"
      From CITI bank I got reward card, best part I could convert the rewards points into cash and if I use this credit card at Indian oil petroleum they give cash back. This card has life time free benefits, they already gave me sufficient limit hence its fine for me.
      Was this review helpful? 2
      , pune
      Reviewed on Sep 13, 2019
    • Citibank
      Citibank Credit Card
      "Good"
      0.5 4.5/5 "Excellent!"
      Through an online I was applied for CITI bank credit card for more than a month. The process was done on smooth and received a card on time. It was an annual fee chargeable 500 rupees and there is an option for a waiver off if I spend for 50 thousands within a year. The credit limit is good.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Sep 12, 2019
    • Citibank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      I have applied for a credit card with CITI bank on a month before. My credit limit is given for low of 54 thousands only which was not sufficient. I was expecting more than one lakh. It is a life time free credit card. I am using this card for shopping purpose.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 12, 2019
    • Citibank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      I was unable to reach to CITI bank customer service to connect with them but once connected I get a good response from their end.Its an annual fee 1000 rupees.This card not avail for all petrol bunk while applying they told 71 liters are free need to spend within a year and it can be use for certain area only. The credit limit given only for 60 thousand but expecting for more than a lakh.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 12, 2019
    • Citibank Credit Card
      "Need to enhance the credit limit"
      0.5 4.0/5 "Great!"
      I am using CITI bank credit card for more than a month which was applied through an online. It is an annual fee chargeable card of 500 rupees but there is an option for a waiver off if I spend for 30 thousands within a year. The process was delay to complete the verification and the limit was given for low I was expecting more than a lakh.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2019
    • Citibank Credit Card
      "Nice Card"
      0.5 4.0/5 "Great!"
      CITI bank card is a nice credit card to use. I am holding the CITI rewards card hence for buying groceries, i get 10% off on super markets. I haven't faced any issue in this 6 months and their customer care service is quite good. Its easy to make a bill payment.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 12, 2019
    • Citibank Credit Card
      "Yet to experience the card"
      0.5 4.0/5 "Great!"
      I have completed only two months to use the CITI bank and till now i didn't get any benefits. I get 71 litres of free petrol every year on my Indian oil CITI platinum credit card. They have given me a credit limit of Rs. 60000 and its not sufficient for me. I need to pay the annual fee of Rs. 500.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 12, 2019
    • Citibank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have applied for a credit card with CITI bank on 2 months before which was processed through an online. At an initial verification process was done on smooth and received a card on time. The credit limit was given for a low limit when compare to other. I am yet to use the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2019
    • Citibank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am holding CITI bank Indian oil card, it gives turbo points for fuel and other benefits based on the expenditure of the card. They gave me Rs. 60,000 as limit its fine, the mobile app is very easy to check my credit history. But so far I didn't get any offers from them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2019
    • Citibank Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I had applied INDIANOIL CITI PLATINUM CARD online. I received the card on time. My credit limit is only 55 thousand, I was expecting 2 lakhs. Annual fee is chargeable but if I spend 30 thousand a year it will be waived off. I am getting good offers.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 12, 2019
    • Citibank Credit Card
      "Good for frequent travelers"
      0.5 5.0/5 "Blown Away!"
      I used to get some reward points for my fuel fillings from Indian Oil Citi bank card, this card has yearly fee around Rs.499 but if I spend Rs.30,000 and above the yearly fee goes waived off. I can also convert those points into fuel fillings as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2019
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have received my CITI CASHBACK CARD from Citi Bank. They have given very low credit limit. I was expecting 80-90 thousand but they have given only 50 thousand. Annual fee is Rs. 500. There is offers and reward points. I am using it for grocery and petrol.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 12, 2019
    • Citibank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with CITI bank on a month before which was processed through an online. It is an annual fee chargeable card which was given from bank. The credit limit is sufficient to use for this card. Since I want to get an additional so I have chosen this card. I am yet to use the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2019
    • Citibank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I had applied for Citi Bank credit card where the card was been approved and I had received the same but I am unable to generate the PIN number due to I don't find much ATM near to my location and the credit limit of the card is nominal, card has zero annual fee.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 12, 2019
    • Citibank Credit Card
      "Not yet received"
      0.5 3.5/5 "Pretty good"
      I didn't get my Citi bank card due to delivery issue, they called me twice at the time I went for night shift so I request them to dropped the card to the security person but they didn't deliver it. Then there was no response from the bank end to deliver the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2019
    • Citibank Credit Card
      "Credit card process should be spontenous"
      0.5 3.5/5 "Pretty good"
      I didn't get my CITI bank credit card, they called me once at the time I was in out of station then I said to come at the particular date but I didn't get any phone call or any other response. They need to verify twice or thrice to deliver the card to the customer.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2019
    • Citibank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I get a lots of offers online shopping in Amazon and flipkart thats the reason i opted for this card and i do not have CITI bank variant since i want to avail the CITI bank card benefits, i applied this credit card. In the bigbillon sales, i get a instant discount of 10 to 15%. They have given me a CITI cashback card hence i can convert my purchased into cash.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 12, 2019
    • Citibank Credit Card
      "Service is Good"
      0.5 4.0/5 "Great!"
      No specific reason for holding the credit card from CITI bank and its a rewards card. I have received the credit card as per the promised time. It took 1 week to collect the documents from the bank side. As of now I'm satisfied with the credit limit provided by them. They are giving some joining perks based on the first spent.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2019
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have received my CITI CASHBACK CARD from Citi Bank. My credit limit is only 50 thousand. I was expecting at least one lakh. There is annual fee of Rs. 500. There is no option to get annual fee waived. I have not got reward point and cashback yet.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2019
    • Citibank Credit Card
      "Recommendable for metropolitan city people"
      0.5 5.0/5 "Blown Away!"
      Earlier i was using the CITI bank but i have reduced the same because the card is accessible only in metro politician cities. I hold the CITI bank for past 9 years. The benefits were less and whenever i want to do a transaction in cities, its a problem for me. CITI bank branch is not available in small cities hence i am unable to make the payment on time.
      Was this review helpful? 0
      , nellore
      Reviewed on Sep 12, 2019
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