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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
      " Good card for fuel filling"
      0.5 4.0/5 "Great!"
      I prefer CITI because I am holding this card almost 14 to 15 years, they gave me the best credit limit and the offers are good. I used to get the turbo points for the fuel filling because my card is Indian oil card, there is some annual fee but is fine for me.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 10, 2018
    • Citibank Credit Card
      "Int rate should be economical and offers should be increased"
      0.5 4.0/5 "Great!"
      In terms of the credit limit and bank services Citi bank is good, they are increasing the limit as per transaction twice they enhance, probably I do get offers I am not using that much. Interest rate is high also the bank should communicate approriately.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 10, 2018
    • Citibank Credit Card
      "Good card"
      0.5 4.5/5 "Excellent!"
      My credit card was taken with CITI BANK , they offered CITI REWARD credit card .Overall the experience has been smooth. I am getting cash back offers and reward point also .Their customer services is good. The resolve the issues always in a timely manner.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 09, 2018
    • Citibank Credit Card
      "Good card"
      0.5 4.5/5 "Excellent!"
      My credit card was taken with CITI BANK , i am holding this card for past 3 year . They offered me CITI INDIAN OIL Credit card . There are charges while getting the card but they said waive off option will be there . The service was good i receive my credit card on time .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 09, 2018
    • Citibank Credit Card
      "Need improvement application and customer service"
      0.5 4.0/5 "Great!"
      The customer service is very bad, I tried to call their team but they not picking up the call and they have don't have toll free. The executive is not convenient with the language. In their website there was irrelevant question regarding on queries. Citi card is very convenient, they are providing some offers when I visit on Citi credit card app I cant see the reward points.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 09, 2018
    • Citibank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding CITI bank credit card for long time, there service is too good, i mostly use citi bank credit card , and they have charged me annual fee in this card, but there is waived off option available in this card and i am happy with my credit limit they have given me in this card, i get good offers from maximum products.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 08, 2018
    • Citibank Credit Card
      "Excellent"
      0.5 4.5/5 "Excellent!"
      Citibank is good and there are good offers and the credit limit is good. They are responding on time and every half yearly they review the usage of the card and enhance the credit limit. The customer services and response is fine. Overall no hassles.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 08, 2018
    • Citibank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been applied for CITI bank credit card recently, the best part in this card is that there miles part is good, i use to get good traveling benefits from this card, and they have charged annual fee in this card and i have no idea about waived off option it is available or not i have no idea, and i am happy with my credit limit and they provide good offers in related to miles.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 07, 2018
    • Citibank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been holding Citi bank credit card for long time, they have not charged any annual fee in this card and i am happy with my credit limit they have given me in this card, it is more than sufficient for me and they provide good offers in maximum products.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
    • Citibank Credit Card
      "Good Corporative Card"
      0.5 4.0/5 "Great!"
      They are providing rewards offers, I am using the corporate card I am holding salary account with them. I could accumulate the points and I can use for other purpose but I have not experience yet, I have not faced any issue hence I was not interacted with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • Citibank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      The credit card with the CITI BANK is very good where they are providing with the good offers like cash backs with this card while using it in the E-commerce websites. The credit limit is satisfactory with this credit card. It is a user friendly card to use.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • Citibank Credit Card
      "Good card for reward and cash back"
      0.5 4.0/5 "Great!"
      My credit card was taken with CITI BANK , I never had any issues with the card and features. Overall it a recommendable card to use. Their customer support services are also good. They offered good credit limit with this card and features were also good .
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 07, 2018
    • Citibank Credit Card
      "Very Good Service"
      0.5 4.5/5 "Excellent!"
      I am using this card for the last three years and the services which they had been providing so far has been good. The credit limit with the card has been satisfactory and there has been some good benefits with this card as well. It has been a life time free card as well.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 07, 2018
    • Citibank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I got my citi reward card and not yet started using . Am satisfied with the credit limit which they have offered . There is no additional charges for the transaction which i make . Reason for choosing the card is as its been suggested and . I will be using this card for all purpose. . There is no annual charges for the card. There is no much cash back offers in this card
      Was this review helpful? 0
      , noida
      Reviewed on Dec 07, 2018
    • Citibank Credit Card
      "Good. Can enhance the limit"
      0.5 5.0/5 "Blown Away!"
      Citibank is good in the credit card deals and the benefits are fine. I have good rewards and the cash back offers are fine too. I have asked them to enhance the credit limit, but they are yet to do the same. Though I am a customer for the last four years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
    • Citibank Credit Card
      "Limit should be enhanced"
      0.5 5.0/5 "Blown Away!"
      CITI gave me Rs. 75,000 as a limit but its a life time free card, but I didn't check about the offers and cash back, I think generally its a good card for shopping. Only thing credit limit has to enhanced based on the customer on the profit, I am fine with that.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • Citibank Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      They are providing good cash back and reward points and the credit limit is good. I call their customer support, the response is good for my queries related to the card. I am quite satisfied, the interest rate is nominal, they keep increasing the limit on yearly basis.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • Citibank Credit Card
      "Charges should be waived"
      0.5 4.0/5 "Great!"
      CITI bank is good in terms of credit limit, I have not experienced with late payment charges hence I am not sure about it , but there is annual fee around Rs. 1000. I have Indian oil for Rs. 100 I get one point but they charge more for Rs.1000 fuel filling , they charge around Rs.1128 its huge.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 07, 2018
    • Citibank Credit Card
      "Good Card to use"
      0.5 4.5/5 "Excellent!"
      I hold a credit card with CITI bank from last 5 months, Rs 500 has to be paid as an annual fee for this credit card. It is an Indian oil credit card where i get good benefits on fuel and it is useful. The credit limit is sufficient in CITI bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 06, 2018
    • Citibank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I am using this card for almost one year and the services which they had been providing so far was good. The credit limit which they had given with the card has been good and there is an annual charges of 499 with this card. There has been some good benefits with the card as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 06, 2018
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