Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • 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"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the CITIBANK the credit limit with this card is good and it is satisfactory. I am getting good offers with this card also there is a EMI conversion with this card but i have not used this facility. It is a life time free credit card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 20, 2019
    • Citibank Credit Card
      "Good for fuel filling"
      0.5 4.0/5 "Great!"
      From CITI I got the indian oil card, there is a fuel waiver, they give turbo points as well. I can accumulate the points and use it for the fuel, the card which I am using is life time free credit card its a best part. They are sending the statement and other alert on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • Citibank Credit Card
      "Satisfied Credit card"
      0.5 5.0/5 "Blown Away!"
      Around Three years of time , I am Citi bank credit card . Citi banks offers very good Credit limit . A satisfactory credit card for the middle class man . Annual fees has been waived of . More offers for the on-line shopping and getting immediate discount .
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 20, 2019
    • Citibank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have applied for the credit card with the CITI BANK the bank is very good by their timely message and mails regarding the security purpose also for the transactions. The documentation process was simple and it took delay to get the card but the limit is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • Citibank Credit Card
      "More offers needed"
      0.5 2.0/5 "Expected more"
      Citibank has not been providing good offers on the credit card. The rewards are not up to the mark and there are no cash back deals too. It is very less when compared to the other banks. The credit limit is fine but they need to work on the deals. The services are okay.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 20, 2019
    • Citibank Credit Card
      "Best reward card"
      0.5 3.0/5 "Satisfactory"
      I am holding a Citi Bank reward credit card more than 3 years.There is a annual charges Rs. 1000 if i spend Rs. 30000 in a year no annual charges no joining fees. Customer services and responsiveness is really good in Citi Bank. I am getting more reward points in this card.I Received the Citi Bank card with in 8 days.Documentation is also quite easy process. Credit limit is sufficient.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 20, 2019
    • Citibank Credit Card
      "Reward card"
      0.5 4.0/5 "Great!"
      I have taken a Citi Bank reward credit card. There is a annual charges Rs. 1000 if i spend Rs. 30000 in a year no annual charges. Customer services and responsiveness is really good.I am getting more reward points in this card.I Received the Citi Bank card with in 8 days.Documentation is also quite easy process executive come and collected my documents. Credit limit is more sufficient Rs. 81000
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 20, 2019
    • Citibank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have received the credit card from Citi Bank but have not used yet. The credit limit is 1L which was sufficient. There was no annual charges. I just took the card because its a pre approved one. The documents are collected by the executive. It was a quick service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • Citibank Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      I also bank with Citibank for the credit card. The customer support is good and the process to receive my card was smooth. There are charges for the card annually which gets waived off, it the card is used to a certain limit. The credit limit is also satisfactory. It is of 70K.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 20, 2019
    • Citibank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My application has been approved with CITI BANK. There is joining fee at the time of getting the card . They offered me very good credit limit with this card . I am happy with the features which they provide with this card . Offers were so attractive with this card .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 19, 2019
    • Citibank Credit Card
      "GOOd card"
      0.5 5.0/5 "Blown Away!"
      I am happy with the services of CITI BANK credit card . I am holding this card for past 4 month . There was no delay from bank side i receive my credit card on time . The card is chargeable but they said once i do minimum transaction fees will be waive off . Offers are not much with this card only i use to get some reward points .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 19, 2019
    • Citibank Credit Card
      "GOOD"
      0.5 4.5/5 "Excellent!"
      The reason for getting the CITI BANK is earlier i had a credit card with this bank so again i have taken this card. The documentation process was simple and i got the card within 15days. The credit limit with this card is satisfactory also it is payable credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 19, 2019
    • Citibank Credit Card
      "Good crad"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with CITI BANK . I have completed 4 month with this card and did not face nay issue till date . The rate of interest is very reasonable. I am getting good offers is fuel and i am getting good cash back . Overall it is very satisfactory services .
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 19, 2019
    • Citibank Credit Card
      "Best reward card"
      0.5 5.0/5 "Blown Away!"
      I am using Citi Bank reward card for the past 2 years There is a annual charges Rs. 1000 if i spend Rs. 30000 in a year no annual charges. Customer services and responsiveness is really good.I am getting more reward points in this card.I Received the card with in 10 days.Documentation is also very easy process executive come and collected the documents. Credit limit is not sufficient they given Rs. 200000
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 19, 2019
    • Citibank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      I am using this card approximately ten years and their customer service is provided is good and response properly . I am satisfied with limit in this card . This is life time free card and cash back offer in this card everything is good of citi bank credit card . and I am satisfied this bank .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 19, 2019
    • Citibank Credit Card
      "Pretty Good Service"
      0.5 5.0/5 "Blown Away!"
      I have applied for Citibank Credit Card since my friend referred .The Credit limit is good as well and not sure about credit limit .This is a chargeable card .The agent clearly explained the process .I am using it for the past 7years .The Overall Service is good .
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 19, 2019
    • Citibank Credit Card
      "Good reward card"
      0.5 5.0/5 "Blown Away!"
      I am using Citi Bank reward card for the past 9 months There is a annual charges Rs. 1000 if i spend Rs. 30000 in a year no annual charges. Customer services and responsiveness is really good.I am getting more reward points in this card.I Received the card with in 10 days.Documentation is also very easy process executive come and collected the documents. Credit limit is sufficient they given Rs. 50000.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 19, 2019
    • Citibank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      I cannot comment much . Only the thing is they have to clarify I submitted document off line then withing seven days I got CITI bank credit card and I am satisfied with this limit and this is chargeable rs-500 rupees and reward point offer in this card .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 18, 2019
    • Citibank Credit Card
      "EXCELLENT"
      0.5 4.0/5 "Great!"
      The credit limit with the card CITI CASHBACK CARD is satisfactory also the card is payable of 499 rupees. The offers what they have offered with this card is very good added on that the documentation process was simple and i got within 7 days.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 18, 2019
    • Citibank Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      The process in getting this credit card was not hectic where everything was easy, the card also had delivered to me on time. I am not much happy with the credit limit with the card where i am expecting it to get enhanced in the near future. They had explained the benefits and features with the card and it is a free card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 18, 2019
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