Card Details
- Earn 10 Reward Points for every Rs.125 spent at Apparel & Department Stores, capped at Rs.7000 (or 560 points) per billing cycle. Beyond this, the customer will earn 1 point per Rs.125 spent.
- 1 reward point for every Rs. 125 on all other purchases.
- Earn 10 Miles for every Rs. 100 spent online at Flipkart.com. Valid till 31st Mar 2017 and only if card swiped at Citibank Swipe Terminals.
- Earn 10 Miles for every Rs. 100 spent online at MakeMyTrip.com. Valid till 14th Nov 2017 and only if card swiped at Citibank Swipe Terminals.
- Get 2,500 points on Card activation.
- Pay with your Reward Points when you shop at over 700 outlets and e-shopping sites.
- Enjoy over 3,600 offers across Dining, Shopping, Movies & EMI.
- Instant redemption at over 800 participating IndianOil outlets.
- Up to 20% savings across 2000 restaurants.
Pros & Cons
| Pros | Cons |
| Annual Fee Waiver Points Never Expire Personal Concierge Services International Card | No Free Card Replacement No Lounge Access No Golf Privileges No Insurance Cover |
Fee Details
- Annual Fee: Rs. 1,000
- Joining Fee: Rs. 1,000
- Add-on Card fee: Nil
- Interest Rate (initial rate at card issuance): 3.25% (monthly) or 39% (annual). The rate of interest varies between 3.10% p.m. (i.e. 37.20% p.a.) and 3.50% p.m. (i.e. 42.0% p.a.). This rate is dynamic and changes periodically based on parameters like repayment pattern, utilization, spending, etc. The maximum interest rate, in the event of default, is 3.5% p.m. or 42% p.a.
- Cash Advance fee: 2.5%, subject to a minimum of Rs.500 and US$7.5 at International ATMs.
- Late Payment Charge: Rs.300 for bill balance up to Rs.10,000; Rs.600 for bill balance from Rs. 10,001 – Rs. 25,000; Rs.950 for bill balance above Rs.25,000
- Overlimit charge 2.5% of the amount over the credit limit, subject to a minimum of Rs.500
- Fuel Surcharge: 2.5% waived at Indian Oil outlets for transactions done on Citibank EDCs, subject to a minimum of Rs.10.
- Railway Ticket Booking or Cancellation Surcharge: 1.8% of the transaction value for regular transactions and 2.8% of the transaction value for 3 EMI transactions through online booking at irctc.co.in. And, 2.5% of transaction value on bookings through railway counters, subject to a minimum of Rs.25.
- Card Replacement fee: Rs. 100
- Foreign Currency Transaction: Mark up of 3.5%, plus ST
- Grace Period: From the date of purchase to Payment Due Date. If part payment is made, there would be no interest-free period and interest charges would be applicable (including on fresh purchases, if any) via an average daily balance method.
Reward Programme
- Earn 10 Reward Points for every Rs.125 spent at Apparel & Department Stores, capped at Rs.7000 (or 560 points) per billing cycle.
- Earn 10 Miles for every Rs. 100 spent online at Flipkart.com. Valid till 31st Mar 2017 and only if card swiped at Citibank EDC.
- Earn 10 Miles for every Rs. 100 spent online at MakeMyTrip.com. Valid till 14th Nov 2017 and only if card swiped at Citibank EDC.
- Earn 1 point per Rs.125 spent. 1 reward point for every Rs. 125 on all other purchases.
Reward Rate: Rs. 0.35 to Rs. 3.50 per Rs. 100 spend
Intro Bonus
- Joining fee of Rs. 1000 waived off on card if Rs. 30,000 or more spent in the first year
- Get 1,500 bonus points on your first spend made within 30 days of card issue.
- Get 1,000 bonus points on your first spend of Rs. 1000 made in a single swipe within 60 days of card issue.
Bonus Offers
- Get 300 bonus points on card spends of Rs. 30,000 or more in a calendar month.