Royal Sundaram Citibank Credit Card Fees & Charges

Fees

Option 1: Free for Life (Free Medical Insurance of Rs. 50000 only in the first year).

Option 2: Free for the first year, Annual fees of Rs. 700 from second year onwards (Free Medical Insurance for the lifetime subject to card being open).

Description of Charges:

Joining & Annual Fees : Fees applicable for both Primary and Additional Cardmembers will be communicated at the time of sourcing.

Interest Rate/Service Charge :

•  Boarding Rate: i.e. in the first 12 months of Card issuance is fixed at 3.25% (monthly) or 39.0% (annual). This can change periodically based on your spend, payback and utilization patterns

• The maximum interest rate, in the event of default, is 3.5% (monthly) or 42% (annually)

Cash Advance Fee : 2.0% on advanced amount (subject to a minimum of Rs. 300 and US$7.5 at International ATMs)

Late Payment Charge (per month) :

•  Rs. 300 for bills up to Rs.10000

• Rs. 600 for bills from Rs. 10001 - 25000

• Rs. 700 for bills above Rs. 25000

Over Credit Limit Charge :2.5% of the amount over the Credit Limit (subject to a minimum of Rs. 500)

Cheque Bounce Charge : Rs. 250 per returned cheque

Petrol Transaction Charge :2.5% (subject to a minimum of Rs. 10) waived at IndianOil outlets for transactions done on Citibank EDCs

Railway Ticket Booking or Cancellation Surcharge (Counter booking): 2.5% of transaction value (subject to a minimum of Rs. 25)

Railway Ticket Booking Surcharge (Internet booking)

•1.8% of transaction value for regular transactions;

•2.8% of transaction value for 3 EMI transaction

Card Replacement Charge : Rs. 100

Statement Request (beyond 3 months) :Rs. 100

Outstation Cheque Charge : Rs. 100 per cheque

Foreign Currency Transaction : Mark up of 3.5% (service taxes as applicable)

Service tax, as notified by the Government of India, is applicable on all fees, interest and other charges and is subject to change, as per relevant regulations of the Government of India.

Royal Sundaram Citibank Gold Credit Card Benefits

Apply Royal sundaram citibank gold credit card online

* Medical Insurance cover of Rs. 50,000/- absolutely free for the first year.

* Bonus Rewards Program

 5 Rewards Points for every Rs. 125/- of the Royal Sundaram Insurance premium billed to the Card Account.

3 Rewards Points for every Rs. 125/- of hospital and utility transactions billed.

1 Rewards Point for every Rs. 125/- billed on all other transactions.

0% Fuel Surcharge at IOC pumps.

Free Medical Insurance*

Your Royal Sundaram Citibank Gold Credit Card comes to you with special Medical Insurance worth Rs. 50,000/- from Royal Sundaram Alliance absolutely FREE for the first year. This policy covers hospitalization expenses that include room and board, nursing expenses, surgeon's fee and cost of specific treatments and procedures as detailed in the Policy. Apply now to enjoy all these fantastic benefits!

This insurance is provided by Royal Sundaram Alliance Insurance Company Ltd. For queries please contact 18003458899 (Toll Free)

Please note: Insurance covers are not provided by Citibank N.A. Exclusions/limitations are applicable as per the policies of the Insurance company.

* Disclaimer: All Insurance features are provided to solely by Royal Sundaram Alliance Insurance Company Ltd. Citibank does not hold any warranty or make any representation of the delivery, quality, merchantability or suitability of the products/services as may be offered. The Cardmember hereby agrees and undertakes not to hold Citibank and/or any of their group entities or affiliates, their respective directors, officers, employees, agents, venders responsible for any actions, claims, demands, losses, damages, costs, charges and expenses that the Cardmember may/might have suffered, sustained or incurred, or claims to suffer, sustain or incur, by way of and/or on account of the present offer. Any dispute/complaint with regard to the insurance product and services must be addressed by the Cardmember in writing to Royal Sundaram Alliance Company directly and Citibank shall not entertain any communication in this regard.

 

Special Insurance Packages from Royal Sundaram Alliance

Protect yourself, your family and your assets through specially created Insurance packages from Royal Sundaram Alliance. Enjoy unparalleled benefits and savings and most importantly, peace of mind.

Please note: Insurance covers are not provided by Citibank N.A. Exclusions/limitations are applicable as per the policies of the Insurance company.

Special Rewards Program*

Each Rewards Point you earn on your Royal Sundaram Citibank Gold Credit Card is worth Re. 1. And that's not all. Through a very special Bonus Rewards Program, you also earn Bonus Rewards Points on your regular spends.

Bonus Rewards Points Structure

5 Rewards Points for every Rs. 125/- of the Royal Sundaram Insurance premium billed.

3 Rewards Points for every Rs. 125/- of hospital and utility transactions billed.

1 Rewards Point for every Rs. 125/- spent on all other transactions.

* To avail the special Rewards Program, ensure that you ask for

   a Citibank Chargeslip for your transaction.

Exclusive Access to the Citibank World Privileges Program

With your Royal Sundaram Citibank Gold Credit Card, you will have access to the Gold Exclusives Programs on dining, holidays, shopping and travel. Apart from this, enjoy higher credit limits and preferential service with the specially designated 24-Hour CitiPhone Priority Service numbers.

 

International Acceptance

The Royal Sundaram Citibank Gold Credit Card can be used to purchase products and services from over 30 million Merchant Establishments in more than 120 countries, with over 110,000 in India and Nepal. It is also accepted at 400,000 Cirrus/Maestro ATMs worldwide. Your Card can be used in department stores, hotels, hospitals, restaurants, and airlines - even for paying customs duty (at International Airports in Bangalore, Mumbai, Kolkata, Delhi and Chennai) when returning from trips abroad.

 

0% Fuel Surcharge

Rising fuel prices need not be a cause of concern for you anymore. With the Royal Sundaram Citibank Gold Credit Card, you have a unique opportunity to save on fuel every time you tank up at IndianOil outlets. All you have to do is use your Royal Sundaram Citibank Gold Credit Card and the 2.5% surcharge will be waived off. Just make sure that you ask for a Citibank Chargeslip. Go ahead and enjoy your drive!

Stay Informed

Stay in the know by having your Card Account at your fingertips. Access your Card Account from anywhere, at any time through Internet Banking.

Get your Citibank Credit Card Statement from wherever you are, by signing up for Statement on E-mail.

Keep track of your Card Account even when you are traveling with the CitiAlert.

Get answers to all your questions about Citibank Credit Card with FAQs.

 

Convenience with a Click

Never miss a bill payment but miss all the long queues and worries by paying all your utility bills online with Bill Pay.

Go hassle-free. Pay all your Credit Card dues with Electronic Clearance Services.

Insurance Benefits

Get coverage of up to Rs. 5 lakh on outstandings on your Citibank Credit Card with Credit Shield Plus.

An offer to pay off your credit card outstanding together with a Personal Accident cover is available with the special Insurance package for Cardmembers, Suraksha.

Protect your loved ones and your employees at a nominal cost with Good Health Policy.

Travel abroad with peace of mind without worrying about falling ill with Travel Insurance Plan.

Get more from your Credit Card

Getting a Loan on your Citibank Credit Card is easy while repaying it is still easier.

Shop all you like and pay back those big shopping bills in easy EMIs with Click-an-EMI.

Citibank Reliance Silver Credit Card Fees & Charges

Fees

This Card comes to you Free for Life.

Description of Charges:

Joining & Annual Fees : Fees applicable for both Primary and Additional Cardmembers will be communicated at the time of sourcing.

Interest Rate/Service Charge :

•  Boarding Rate: i.e. in the first 12 months of Card issuance is fixed at 3.25% (monthly) or 39.0% (annual). This can change periodically based on your spend, payback and utilization patterns

• The maximum interest rate, in the event of default, is 3.5% (monthly) or 42% (annually)

Cash Advance Fee : 2.0% on advanced amount (subject to a minimum of Rs. 300 and US$7.5 at International ATMs)

Late Payment Charge (per month) :

•  Rs. 300 for bills up to Rs.10000

• Rs. 600 for bills from Rs. 10001 - 25000

• Rs. 700 for bills above Rs. 25000

Over Credit Limit Charge :2.5% of the amount over the Credit Limit (subject to a minimum of Rs. 500)

Cheque Bounce Charge : Rs. 250 per returned cheque

Petrol Transaction Charge :2.5% (subject to a minimum of Rs. 10) waived at IndianOil outlets for transactions done on Citibank EDCs

Railway Ticket Booking or Cancellation Surcharge (Counter booking): 2.5% of transaction value (subject to a minimum of Rs. 25)

Railway Ticket Booking Surcharge (Internet booking)

•1.8% of transaction value for regular transactions;

•2.8% of transaction value for 3 EMI transaction

Card Replacement Charge : Rs. 100

Statement Request (beyond 3 months) :Rs. 100

Outstation Cheque Charge : Rs. 100 per cheque

Foreign Currency Transaction : Mark up of 3.5% (service taxes as applicable)

Service tax, as notified by the Government of India, is applicable on all fees, interest and other charges and is subject to change, as per relevant regulations of the Government of India.

Citibank Reliance Silver Credit Card Benefits

Apply Reliance Silver Credit Card Online

*You earn accelerated Rewards Points for spends on select Reliance Products and Services.

*Get Complimentary Gift Vouchers worth Rs. 200 on signing up.

*Get an Insurance package with a dual offer to pay off your Card outstanding of up to Rs. 10 lakh with personal accident cover.

Complimentary Gift Vouchers

With the Reliance Silver Credit Card, get a complimentary Gift Voucher worth Rs. 100 to be used in Reliance World Outlets for broadband surfing and online gaming. Also get a Complimentary Gift Voucher worth Rs. 100 to be used in Adlabs for popcorn worth the voucher amount after buying any food and/or beverage for equal amount.

 0% Fuel Surcharge

Rising fuel prices need not be a cause for concern, for you anymore. You have a unique opportunity to save on fuel every time you tank up at select IndianOil petrol pumps. Get a waiver# of 2.5% of fuel transaction charge on all transactions at IOC pumps with your Reliance Silver Credit Card, go ahead and enjoy your drive!

# Valid only on transactions made on Citibank EDC.

Rewards Program

Rewards Points Earned	Earning Opportunities
5 Rewards Points	For every Rs. 150 spent through standing instruction facility availed for paying Reliance mobile bills (post-paid)
3 Rewards Points	For every Rs. 150 spent at Adlabs
3 Rewards Points	For every Rs. 150 spent on select**products and services at Reliance world and communication outlets
1 Rewards Point	For every Rs. 150 spent on all other spends including other standing instructions

 1 Rewards Point For every Rs. 150 spent on all other spends including other standing instructions

** Please note that Reliance world and communication outlets will not award points for any phone or pre-paid card sales. These items are subject to change from time to time. 1 Rewards Point is equal to Re. 1. The Rewards program is available only at select outlets. The number of outlets will be increased in a phased manner and the customer should call CitiPhone for a list of places where this benefit is available.

Ahmedabad: 2640-4653, Aurangabad: 663-4653, Bangalore: 2229-4653, Bhopal: 1800-180-2484*, Bhubaneshwar: 1800-180-2484*, Chandigarh: 508-4653, Chennai: 2858-4653, Coimbatore: 989401-4653, Dehra Dun: 1901-425-7000, Delhi (Gurgaon): 95124-256-4653, Hyderabad: 5566-4653, Indore: 1800-180-2484*, Jaipur: 511-4653, Jalandhar: 500-4653, Jamshedpur: 1800-11-2484*, Kochi: 989501-4653, Kolkata: 2288-4653, Lucknow: 223-1044, Ludhiana: 501-4653, Madurai: 989401-4653, Mumbai: 2834-4653, Nagpur: 1800-180-2484*, Nashik: 1800-180-2484*, Noida: 255-4653, Pondicherry: 989401-4653, Pune: 6601-4653, Surat: 553-4653, Trichy: 989401-4653, Trivandrum: 989501-4653, Vadodara: 232-4653, Vaapi: 95-265-232-4653, Visakhapatnam: 1800-180-2484*

* Please call this number from a BSNL/MTNL landline only.

 Pay Utility Bills

You can pay bills of Reliance ADA group companies like mobile Reliance postpaid bills, Reliance electricity bills and Insurance premia and also recharge the mobile pre-paid cards on an ongoing basis by signing up once. You can pay bills of other utility companies as well. Alternatively, you can choose to pay your bills through 24-Hour CitiPhone too.

Share the privilege with your family

You can share the power of your Reliance Silver Credit Card with your family. Your Reliance Silver Credit Card membership entitles you to up to 5 add-on cards, free for life.

Stay Informed

Stay in the know by having your Credit Card Account at your fingertips. Access your Card Account from anywhere, at any time through Internet Banking.

Get your Citibank Credit Card Statement from wherever you are, by signing up for Statement on E-mail.

Keep track of your Credit Card Account even when you are traveling with the CitiAlert.

Get answers to all your questions about Citibank Credit Card with FAQs.

Convenience with a Click

Never miss a bill payment but miss all the long queues and worries by paying all your utility bills online with Bill Pay.

Go hassle-free. Pay all your Credit Card dues with Electronic Clearance Services.

 Insurance Benefits

Get coverage of up to Rs. 5 lakh on outstandings on your Citibank Credit Card with Credit Shield Plus.

An offer to pay off your credit card outstanding together with a Personal Accident cover is available with the special Insurance package for Cardmembers, Suraksha.

Protect your loved ones and your employees at a nominal cost with Good Health Policy.

Travel abroad with peace of mind without worrying about falling ill with Travel Insurance Plan.

Get more from your Credit Card

Getting a Loan on your Citibank Credit Card is easy while repaying it is still easier.

Shop all you like and pay back those big shopping bills in easy EMIs.

Citibank Reliance Gold Credit Card Fees & Charges

Fees

This Card comes to you Free for Life.

Description of Charges:

Joining & Annual Fees : Fees applicable for both Primary and Additional Cardmembers will be communicated at the time of sourcing.

Interest Rate/Service Charge :

•  Boarding Rate: i.e. in the first 12 months of Card issuance is fixed at 3.25% (monthly) or 39.0% (annual). This can change periodically based on your spend, payback and utilization patterns

• The maximum interest rate, in the event of default, is 3.5% (monthly) or 42% (annually)

Cash Advance Fee : 2.0% on advanced amount (subject to a minimum of Rs. 300 and US$7.5 at International ATMs)

Late Payment Charge (per month) :

•  Rs. 300 for bills up to Rs.10000

• Rs. 600 for bills from Rs. 10001 - 25000

• Rs. 700 for bills above Rs. 25000

Over Credit Limit Charge :2.5% of the amount over the Credit Limit (subject to a minimum of Rs. 500)

Cheque Bounce Charge : Rs. 250 per returned cheque

Petrol Transaction Charge :2.5% (subject to a minimum of Rs. 10) waived at IndianOil outlets for transactions done on Citibank EDCs

Railway Ticket Booking or Cancellation Surcharge (Counter booking): 2.5% of transaction value (subject to a minimum of Rs. 25)

Railway Ticket Booking Surcharge (Internet booking)

•1.8% of transaction value for regular transactions;

•2.8% of transaction value for 3 EMI transaction

Card Replacement Charge : Rs. 100

Statement Request (beyond 3 months) :Rs. 100

Outstation Cheque Charge : Rs. 100 per cheque

Foreign Currency Transaction : Mark up of 3.5% (service taxes as applicable)

Service tax, as notified by the Government of India, is applicable on all fees, interest and other charges and is subject to change, as per relevant regulations of the Government of India.

Citi Bank Reliance Gold Credit Card Benefits

Apply CitiBank Reliance Credit Card Online

Higher Credit and Cash limits.

* Get complimentary Gift Vouchers worth Rs. 400 on signing up.

* Get an Insurance package with a dual offer to pay off your Card outstanding of up to Rs. 25 lakh with personal accident cover.

*Complimentary Gift Vouchers

With the Reliance Gold Credit Card, get a complimentary Gift Voucher worth Rs. 200 to be used in Reliance World Outlets for broadband surfing and online gaming. Also get a Complimentary Gift Voucher worth Rs. 200 to be used in Adlabs for popcorn worth the voucher amount after buying any food and/or beverage for equal amount.

0% Fuel Surcharge

Rising fuel prices need not be a cause for concern, for you anymore. You have a unique opportunity to save on fuel every time you tank up at select IndianOil petrol pumps. Get a waiver# of 2.5% of fuel transaction charge on all transactions at IOC pumps with your Reliance Gold Credit Card, go ahead and enjoy your drive!

Valid only on transactions made on Citibank EDC.

Rewards Points Earned	Earning Opportunities
5 Rewards Points	For every Rs. 150 spent through standing instruction facility availed for paying Reliance mobile bills (post-paid)
3 Rewards Points	For every Rs. 150 spent at Adlabs
3 Rewards Points	For every Rs. 150 spent on select**products and services at Reliance world and communication outlets
1 Rewards Point	For every Rs. 150 spent on all other spends including other standing instructions

Please note that Reliance world and communication outlets will not award points for any phone or pre-paid card sales. These items are subject to change from time to time. 1 Rewards Point is equal to Re. 1. The Rewards program is available only at select outlets. The number of outlets will be increased in a phased manner and the customer should call CitiPhone for a list of places where this benefit is available.

Ahmedabad: 2640-4653, Aurangabad: 663-4653, Bangalore: 2229-4653, Bhopal: 1800-180-2484*, Bhubaneshwar: 1800-180-2484*, Chandigarh: 508-4653, Chennai: 2858-4653, Coimbatore: 989401-4653, Dehra Dun: 1901-425-7000, Delhi (Gurgaon): 95124-256-4653, Hyderabad: 5566-4653, Indore: 1800-180-2484*, Jaipur: 511-4653, Jalandhar: 500-4653, Jamshedpur: 1800-11-2484*, Kochi: 989501-4653, Kolkata: 2288-4653, Lucknow: 223-1044, Ludhiana: 501-4653, Madurai: 989401-4653, Mumbai: 2834-4653, Nagpur: 1800-180-2484*, Nashik: 1800-180-2484*, Noida: 255-4653, Pondicherry: 989401-4653, Pune: 6601-4653, Surat: 553-4653, Trichy: 989401-4653, Trivandrum: 989501-4653, Vadodara: 232-4653, Vaapi: 95-265-232-4653, Visakhapatnam: 1800-180-2484*

*Please call this number from a BSNL/MTNL landline only.

Towing Service*

A Reliance Gold Credit Cardmember can avail of a free towing service in case of breakdown of his car, so that it can be towed to the garage/petrol pump for service/repair. Only private cars are covered under this benefit.

*In case of a vehicle breakdown away from home, the vehicle will be towed to a garage of your choice. This service is for Mumbai and shortly will be available in Delhi. This benefit is also provided by Reliance General Insurance Ltd. The Cardmember has to call 30338282 to avail of this service. The Cardmember will be required to co-operate with the towing van team in filling up a Towing Satisfaction Voucher and also needs to produce the Reliance Gold Credit Card to the team.

 

Hospital Services*

On hospitalisation, pay your hospital bills with your Reliance Gold Credit Card. You will receive a hospital allowance of Rs. 500 per day. The allowance is applicable in case of hospitalisation for a minimum of three days and a maximum of five days. This benefit is provided by Reliance General Insurance.

* Terms and Conditions

 Pay Utility Bills

You can pay bills of Reliance ADA group companies like mobile Reliance postpaid bills, Reliance electricity bills and Insurance premia and also recharge the mobile pre-paid cards on an ongoing basis by signing up once. You can pay bills of other utility companies as well. Alternatively, you can choose to pay your bills through 24-Hour CitiPhone too.

 

Share the privilege with your family

You can share the power of your Reliance Gold Credit Card with your family. Your Reliance Gold Credit Card membership entitles you to up to 5 add-on cards, free for life.

 Stay Informed

Stay in the know by having your Credit Card Account at your fingertips. Access your Card Account from anywhere, at any time through Internet Banking.

Get your Citibank Credit Card Statement from wherever you are, by signing up for Statement on E-mail.

Keep track of your Credit Card Account even when you are traveling with the CitiAlert.

Get answers to all your questions about Citibank Credit Card with FAQs.

Convenience with a Click

Never miss a bill payment but miss all the long queues and worries by paying all your utility bills online with Bill Pay.

Go hassle-free. Pay all your Credit Card dues with Electronic Clearance Services.

 

Insurance Benefits

Get coverage of up to Rs. 5 lakh on outstandings on your Citibank Credit Card with Credit Shield Plus.

An offer to pay off your credit card outstanding together with a Personal Accident cover is available with the special Insurance package for Cardmembers, Suraksha.

Protect your loved ones and your employees at a nominal cost with Good Health Policy.

Travel abroad with peace of mind without worrying about falling ill with Travel Insurance Plan.

 

Get more from your Credit Card

Getting a Loan on your Citibank Credit Card is easy while repaying it is still easier.

Shop all you like and pay back those big shopping bills in easy EMIs.

Citibank Choice Credit Card Fees & Charges

Fees :

This Card comes to you Free for Life. Also get 5 Additional Cards

Description of Charges:

Joining & Annual Fees : Fees applicable for both Primary and Additional Cardmembers will be communicated at the time of sourcing.

Interest Rate/Service Charge :

•  Boarding Rate: i.e. in the first 12 months of Card issuance is fixed at 3.25% (monthly) or 39.0% (annual). This can change periodically based on your spend, payback and utilization patterns

• The maximum interest rate, in the event of default, is 3.5% (monthly) or 42% (annually)

Cash Advance Fee : 2.0% on advanced amount (subject to a minimum of Rs. 300 and US$7.5 at International ATMs)

Late Payment Charge (per month) :

•  Rs. 300 for bills up to Rs.10000

• Rs. 600 for bills from Rs. 10001 - 25000

• Rs. 700 for bills above Rs. 25000

Over Credit Limit Charge :2.5% of the amount over the Credit Limit (subject to a minimum of Rs. 500)

Cheque Bounce Charge : Rs. 250 per returned cheque

Petrol Transaction Charge :2.5% (subject to a minimum of Rs. 10) waived at IndianOil outlets for transactions done on Citibank EDCs

Railway Ticket Booking or Cancellation Surcharge (Counter booking): 2.5% of transaction value (subject to a minimum of Rs. 25)

Railway Ticket Booking Surcharge (Internet booking)

•1.8% of transaction value for regular transactions;

•2.8% of transaction value for 3 EMI transaction

Card Replacement Charge : Rs. 100

Statement Request (beyond 3 months) :Rs. 100

Outstation Cheque Charge : Rs. 100 per cheque

Foreign Currency Transaction : Mark up of 3.5% (service taxes as applicable)

Service tax, as notified by the Government of India, is applicable on all fees, interest and other charges and is subject to change, as per relevant regulations of the Government of India.

Citibank Choice Credit Card Benefits

Apply Citibank Choice Credit Card Online

* Free for life

* Online bill payment facility

* Get up to 5 Additional Card

Get up to 5 Additional Cards for your family

With the Citibank Choice Credit Card, share your good fortunes with your family. Get up to 5 Additional Cards for your family absolutely Free!

 

0% Fuel Surcharge

Rising fuel prices need not be a cause for concern for you anymore. Citibank and IndianOil bring you a unique opportunity to save on fuel every time you tank up at IndianOil outlets.

All you have to do is use your Citibank VISA or MasterCard and the 2.5% surcharge will be waived off. Just make sure that you ask for a Citibank Charge slip.

 Stay Informed

Stay in the know by having your Credit Card Account at your fingertips. Access your Card Account from anywhere, at any time through Internet Banking.

Get your Citibank Credit Card Statement from wherever you are, by signing up for Statement on E-mail.

Keep track of your Credit Card Account even when you are traveling with the CitiAlert.

Get answers to all your questions about Citibank Credit Card with FAQs.

 

Convenience with a Click

Never miss a bill payment but miss all the long queues and worries by paying all your utility bills online with Bill Pay.

Go hassle-free. Pay all your Credit Card dues with Electronic Clearance Services.

 

Insurance Benefits

Get coverage of up to Rs. 5 lakh on outstandings on your Citibank Credit Card with Credit Shield Plus.

An offer to pay off your credit card outstanding together with a Personal Accident cover is available with the special Insurance package for Cardmembers, 

Suraksha.

Protect your loved ones and your employees at a nominal cost with Good Health Policy.

Travel abroad with peace of mind without worrying about falling ill with Travel Insurance Plan.

 

Get more from your Credit Card

Getting a Loan on your Citibank Credit Card is easy while repaying it is still easier.

Shop all you like and pay back those big shopping bills in easy EMIs.

Citibank Silver Credit Card fees & Charges

Fees :

This Card comes to you Free for Life. You can also get one Additional Card Free for the First Year for any of your family member over the age of 18. The Renewal Fee for the Additional Card will be Rs. 350 p.a.

Description of Charges:

Joining & Annual Fees: Fees applicable for both Primary and Additional Cardmembers will be communicated at the time of sourcing

Interest Rate/Service Charge

•  Boarding Rate: i.e. in the first 12 months of Card issuance is fixed at 3.15% (monthly) or 37.8% (annual). This can change periodically based on your spend, payback and utilization patterns

• The maximum interest rate, in the event of default, is 3.5% (monthly) or 42% (annually)

Cash Advance Fee : 2.0% on advanced amount (subject to a minimum of Rs. 300 and US$7.5 at International ATMs)

Late Payment Charge (per month) :

• Rs. 300 for bills up to Rs.10000

•  Rs. 600 for bills from Rs. 10001 - 25000

•  Rs. 700 for bills above Rs. 25000

Over Credit Limit Charge :  2.5% of the amount over the Credit Limit (subject to a minimum of Rs. 500)

Cheque Bounce Charge: Rs. 250 per returned cheque

Petrol Transaction Charge :2.5% (subject to a minimum of Rs. 10) waived at IndianOil outlets for transactions done on Citibank EDCs

Railway Ticket Booking or Cancellation Surcharge (Counter booking): 2.5% of transaction value (subject to a minimum of Rs. 25)

Railway Ticket Booking Surcharge (Internet booking):

• 1.8% of transaction value for regular transactions;

•  2.8% of transaction value for 3 EMI transaction

Card Replacement Charge : Rs. 100

Statement Request (beyond 3 months) : Rs. 100

Outstation Cheque Charge :Rs. 100 per cheque

Foreign Currency Transaction : Mark up of 3.5% (service taxes as applicable)

Service tax, as notified by the Government of India, is applicable on all fees, interest and other charges and is subject to change, as per relevant regulations of the Government of India.

Citibanl Silver Credit Card Benefits

Apply Citibank Silver Credit Card Online

Benefits :

*Earn Rewards Points and redeem them for exciting gifts.

* Consolidate your debts with Balance Transfer. Get instant loan with Loan on your Credit Card.

*Pay your utility bills with just a click

Exciting Gifts with Citibank Rewards

Every time you use your Citibank Silver Credit Card, you earn valuable Citibank Rewards Points that can be exchanged for fabulous gifts. You earn 1 Rewards Point for every Rs. 200 spent on the Card. Choose from a wide range of gifts - cosmetics to cameras, CDs to wallets. You can also exchange your Citibank Rewards Points to pay your Card Renewal Fee (in part or full).

0% Fuel Surcharge

Rising fuel prices need not be a cause for concern for you anymore. Citibank and IndianOil bring you a unique opportunity to save on fuel every time you tank up at IndianOil outlets.

All you have to do is use your Citibank VISA or MasterCard and the 2.5% surcharge will be waived off. Just make sure that you ask for a Citibank Charge slip.

Stay Informed

Stay in the know by having your Credit Card Account at your fingertips. Access your Card Account from anywhere, at any time through Internet Banking.

Get your Citibank Credit Card Statement from wherever you are, by signing up for Statement on E-mail.

Keep track of your Credit Card Account even when you are traveling with the CitiAlert.

Get answers to all your questions about Citibank Credit Card with FAQs.

Convenience with a Click

Never miss a bill payment but miss all the long queues and worries by paying all your utility bills online with Bill Pay.

Go hassle-free. Pay all your Credit Card dues with Electronic Clearance Services.

Insurance Benefits:

Get coverage of up to Rs. 5 lakh on outstandings on your Citibank Credit Card with Credit Shield Plus.

An offer to pay off your credit card outstanding together with a Personal Accident cover is available with the special Insurance package for Cardmembers, Suraksha.

Protect your loved ones and your employees at a nominal cost with Good Health Policy.

Travel abroad with peace of mind without worrying about falling ill with Travel Insurance Plan.

 

Get more from your Credit Card

Getting a Loan on your Citibank Credit Card is easy while repaying it is still easier.

Shop all you like and pay back those big shopping bills in easy EMIs.

Citibank Gold Card Fees & Charges

 Citibank Gold Card Fees & Annual Charges

Fees :

This Card comes to you Free for Life.

Description of Charges:

Joining & Annual Fees: Fees applicable for both Primary and Additional Cardmembers will be communicated at the time of sourcing

Interest Rate/Service Charge

• Boarding Rate: i.e. in the first 12 months of Card issuance is fixed at 3.15% (monthly) or 37.8% (annual). This can change periodically based on your spend, payback and utilization patterns

• The maximum interest rate, in the event of default, is 3.5% (monthly) or 42% (annually)

Cash Advance Fee : 2.0% on advanced amount (subject to a minimum of Rs. 300 and US$7.5 at International ATMs)

Late Payment Charge (per month) :

• Rs. 300 for bills up to Rs.10000

• Rs. 600 for bills from Rs. 10001 - 25000

• Rs. 700 for bills above Rs. 25000

Over Credit Limit Charge : 2.5% of the amount over the Credit Limit (subject to a minimum of Rs. 500)

Cheque Bounce Charge: Rs. 250 per returned cheque

Petrol Transaction Charge :2.5% (subject to a minimum of Rs. 10) waived at IndianOil outlets for transactions done on Citibank EDCs

Railway Ticket Booking or Cancellation Surcharge (Counter booking): 2.5% of transaction value (subject to a minimum of Rs. 25)

Railway Ticket Booking Surcharge (Internet booking):

• 1.8% of transaction value for regular transactions;

• 2.8% of transaction value for 3 EMI transaction

Card Replacement Charge : Rs. 100

Statement Request (beyond 3 months) : Rs. 100

Outstation Cheque Charge :Rs. 100 per cheque

Foreign Currency Transaction : Mark up of 3.5% (service taxes as applicable)

Service tax, as notified by the Government of India, is applicable on all fees, interest and other charges and is subject to change, as per relevant regulations of the Government of India.

Citibank Gold Card

Citibank Gold Card Benefits

Apply Citibank Citibank Gold Card Online

Top 3 Reasons to get a Citibank Cash back Card

1.High Credit and Cash Limits.

2.Access to exclusive Citibank World Privileges.

3.Earn 1 Rewards Point for every Rs. 150/- spent.

Exclusive Features :

High Credit and Cash Limits:

Citibank Gold Credit Card offers you high credit and cash limits to complement your lifestyle. Reflect your personal power in India and abroad!

Priority Service :

24-hour Personalised Service through CitiPhone

*As a Citibank Gold Credit Cardmember, you get personalised service through CitiPhone, 24 hours a day, 7 days a week.

*24-hour Access to your Card Account through Citibank Online

The Citibank Online Facility helps you to conduct all transactions on your Card Account from the comfort of your home or office through the Internet. This highly secure Internet service helps you pay utility bills such as telephone bills, mobile bills, electricity bills and much more, with just the click of a mouse. You can also order drafts, send gift cheques, view your Card Account, view your Card Statement and even apply for a Second Citibank Card.

Keep track of your Card Account even when you are on the move

CitiAlert is a useful service that helps you keep track of your Card Account. You get useful reminders as an SMS on your mobile phone or as an e-mail on your PC. This Facility will send confirmation of your payments, remind you about your payment due date besides informing you of exciting marketing offers from time to time. The normal charges of Rs. 20 per month for subscribing to CitiAlert are waived for Citibank Gold Credit Cardmember.

Complimentary Benefits for the International Traveller:

Free Phone Home Facility:

When you are overseas, you can call CitiPhone with the Free Phone Home Facility, for any queries on your Card Account.

Global Assistance :

You can use MasterCard or Visa Global Assistance Services to report your lost or stolen Card. You can request for emergency Card replacement or Cash advance. A wide range of miscellaneous information is also at your service.

0% Fuel Surcharge :

Rising fuel prices need not be a cause for concern for you anymore. Citibank and IndianOil bring you a unique opportunity to save on fuel every time you tank up at IndianOil outlets.

All you have to do is use your Citibank VISA or MasterCard and the 2.5% surcharge will be waived off. Just make sure that you ask for a Citibank Charge slip.

Go ahead and enjoy your drive!

Stay Informed:

Stay in the know by having your Credit Card Account at your fingertips. Access your Card Account from anywhere, at any time through Internet Banking.

Get your Citibank Credit Card Statement from wherever you are, by signing up for Statement on E-mail.

Keep track of your Credit Card Account even when you are traveling with the CitiAlert.

Convenience with a Click :

Never miss a bill payment but miss all the long queues and worries by paying all your utility bills online with Bill Pay.

Go hassle-free. Pay all your Credit Card dues with Electronic Clearance Services.

Insurance Benefits :

Get coverage of up to Rs. 5 lakh on outstandings on your Citibank Credit Card with Credit Shield Plus.An offer to pay off your credit card outstanding together with a Personal Accident cover is available with the special Insurance package for Cardmembers, Suraksha.

Protect your loved ones and your employees at a nominal cost with Good Health Policy.

Travel abroad with peace of mind without worrying about falling ill with Travel Insurance Plan.

Get more from your Credit Card :

Getting a Loan on your Citibank Credit Card is easy while repaying it is still easier.

Shop all you like and pay back those big shopping bills in easy EMIs with Click-an-EMI.

Citibank Cash back Card fees & Charges

Citibank Cash back Credit  Card Fees & Annual Charges

Fees :

This Card comes to you Free for Life.You can also get one Additional Card Free for the First Year for any of your family member over the age of 18.

Description of Charges:

Joining & Annual Fees: Fees applicable for both Primary and Additional Cardmembers will be communicated at the time of sourcing

Interest Rate/Service Charge

• Boarding Rate: i.e. in the first 12 months of Card issuance is fixed at 3.15% (monthly) or 37.8% (annual). This can change periodically based on your spend, payback and utilization patterns

• The maximum interest rate, in the event of default, is 3.5% (monthly) or 42% (annually)

Cash Advance Fee : 2.0% on advanced amount (subject to a minimum of Rs. 300 and US$7.5 at International ATMs)

Late Payment Charge (per month) :

• Rs. 300 for bills up to Rs.10000

• Rs. 600 for bills from Rs. 10001 - 25000

• Rs. 700 for bills above Rs. 25000

Over Credit Limit Charge : 2.5% of the amount over the Credit Limit (subject to a minimum of Rs. 500)

Cheque Bounce Charge: Rs. 250 per returned cheque

Petrol Transaction Charge :2.5% (subject to a minimum of Rs. 10) waived at IndianOil outlets for transactions done on Citibank EDCs

Railway Ticket Booking or Cancellation Surcharge (Counter booking): 2.5% of transaction value (subject to a minimum of Rs. 25)

Railway Ticket Booking Surcharge (Internet booking):

• 1.8% of transaction value for regular transactions;

• 2.8% of transaction value for 3 EMI transaction

Card Replacement Charge : Rs. 100

Statement Request (beyond 3 months) : Rs. 100

Outstation Cheque Charge :Rs. 100 per cheque

Foreign Currency Transaction : Mark up of 3.5% (service taxes as applicable)

Service tax, as notified by the Government of India, is applicable on all fees, interest and other charges and is subject to change, as per relevant regulations of the Government of India.

Citibank Cash back Card

Citibank Cash back Card Benefits :

Apply Citibank Cash back Card Online

Top 3 Reasons to get a Citibank Cash back Card

 

1.Up to 25% cash back at select outlets across the country.

2.Assured cash back, every time you swipe at any outlet.

3.Fuel transaction charge waiver of 2.5% at IndianOil petrol pumps.

Exclusive Features :

Welcome your money back home :

Every time you use your Citibank Cash Back Credit Card, a part of your spends come back to you, as money. And you can get back as much as Rs. 20,000 every year. No Card gives you this kind of value. The 'Cash Back' will be credited to your Credit Card Statement every month.

How does Cash Back Credit Card work for you?

You earn 'Cash Back' every time you swipe your Citibank Cash Back Credit Card. Spending on Citibank EDCs (Electronic Data Capture) machines at specific merchant outlets can earn you up to 25% Cash Back. At all other outlets you will earn at least Re. 1 for every Rs. 200 spend. The cash back earned will be visible in your statement. Once you have earned more than Rs. 250 cash back, you can call CitiPhone to redeem your points against your outstandings.

Citibank World Privileges:

Your Citibank Cash Back Credit Card comes to you with a unique and exciting program that sets the standards for privilege programs in the industry. Welcome to Citibank World Privileges that offers you preferential treatment, discounts, rewards and privileges at over 16,000 of the finest hotels and restaurants, shops, and services worldwide. For a complete list of Citibank World Privileges Partners, visit us at www.asia.citibank.com/worldprivileges. Now go ahead and enjoy the privileges of being a Citibank Cash Back Credit Cardmember.

(Exclusively for Gold Card only)

Stay Informed:

Stay in the know by having your Credit Card Account at your fingertips. Access your Card Account from anywhere, at any time through Internet Banking.

Get your Citibank Credit Card Statement from wherever you are, by signing up for Statement on E-mail.

Keep track of your Credit Card Account even when you are traveling with the CitiAlert.

Convenience with a Click :

Never miss a bill payment but miss all the long queues and worries by paying all your utility bills online with Bill Pay.

Go hassle-free. Pay all your Credit Card dues with Electronic Clearance Services.

Insurance Benefits :

Get coverage of up to Rs. 5 lakh on outstandings on your Citibank Credit Card with Credit Shield Plus.An offer to pay off your credit card outstanding together with a Personal Accident cover is available with the special Insurance package for Cardmembers, Suraksha.

Protect your loved ones and your employees at a nominal cost with Good Health Policy.

Travel abroad with peace of mind without worrying about falling ill with Travel Insurance Plan.

Get more from your Credit Card :

Getting a Loan on your Citibank Credit Card is easy while repaying it is still easier.

Shop all you like and pay back those big shopping bills in easy EMIs with Click-an-EMI.

First Citizen Citibank Card Fees & Charges

First Citizen Citibank card Fees & Charges Details :

Fees :

This Card comes to you Free for Life.You can also get one Additional Card Free for the First Year for any of your family member over the age of 18.

Description of Charges:

Joining & Annual Fees : Fees applicable for both Primary and Additional Cardmembers will be communicated at the time of sourcing.

Interest Rate/Service Charge :

• Boarding Rate: i.e. in the first 12 months of Card issuance is fixed at 3.25% (monthly) or 39.0% (annual). This can change periodically based on your spend, payback and utilization patterns

• The maximum interest rate, in the event of default, is 3.5% (monthly) or 42% (annually)

Cash Advance Fee : 2.0% on advanced amount (subject to a minimum of Rs. 300 and US$7.5 at International ATMs)

Late Payment Charge (per month) :

• Rs. 300 for bills up to Rs.10000

• Rs. 600 for bills from Rs. 10001 - 25000

• Rs. 700 for bills above Rs. 25000

Over Credit Limit Charge :2.5% of the amount over the Credit Limit (subject to a minimum of Rs. 500)

Cheque Bounce Charge : Rs. 250 per returned cheque

Petrol Transaction Charge :2.5% (subject to a minimum of Rs. 10) waived at IndianOil outlets for transactions done on Citibank EDCs

Railway Ticket Booking or Cancellation Surcharge (Counter booking): 2.5% of transaction value (subject to a minimum of Rs. 25)

Railway Ticket Booking Surcharge (Internet booking)

•1.8% of transaction value for regular transactions;

•2.8% of transaction value for 3 EMI transaction

Card Replacement Charge : Rs. 100

Statement Request (beyond 3 months) :Rs. 100

Outstation Cheque Charge : Rs. 100 per cheque

Foreign Currency Transaction : Mark up of 3.5% (service taxes as applicable)

Service tax, as notified by the Government of India, is applicable on all fees, interest and other charges and is subject to change, as per relevant regulations of the Government of India.

First Citizen Citibank Card

First Citizen Citibank Card Benefits :

Apply First Citizen Citibank Credit Card Online

Top 3 Reasons to get a Citibank Platinum Card 

1.With your First Citizen Citibank Credit Card, earn up to 5 Reward Points for every Rs. 100 spent at Shoppers' Stop.

2.Enjoy exclusive sale previews, special offers and discounts at Shoppers' Stop.

3.Get periodic offers on dining and entertainment.

Exclusive Features

First Citizen Program Membership and Privileges

As a First Citizen Citibank Credit Cardmember, you get the benefits of the Shoppers' Stop loyalty programme, First Citizen. The First Citizen Programme membership entitles you to exclusive privileges such as product previews, priority billing and other special benefits. Add to this the fabulous experience of shopping at the premier Shoppers' Stop outlets across the country.

Exclusive Payment Counters:

No more waiting in long queues. With the First Citizen Citibank Credit Card, you have an exclusive payment counter to pay your bills at ease.

Upgrade to First Citizen Citibank Golden Glow Cardmembership:

Make purchases over Rs. 40,000 at Shoppers' Stop during the first year and gain automatic upgrade to the First Citizen Citibank Golden Glow Cardmembership.

Discounts and Offers:

There will be special offers and exciting discounts awaiting you from time to time.

0% Fuel Surcharge:

Rising fuel prices need not be a cause for concern for you anymore. Citibank and IndianOil bring you a unique opportunity to save on fuel every time you tank up at IndianOil outlets.

All you have to do is use your Citibank VISA or MasterCard and the 2.5% surcharge will be waived. Just make sure that you ask for a Citibank Charge slip.

Go ahead and enjoy your drive!

Shop for More Rewards :

Shop at Shoppers' Stop and get great Rewards Points for your spends!

Membership/Benefits	Rewards Points for every Rs. 100 spent at Shoppers' Stop	Additional Rewards Points for every Rs. 100 spent on an in-house brand Life, Stop and Kashish
First Citizen Citibank Golden Glow Cardmembers	5	2
First Citizen Citibank Silver Edge Cardmembers	4	1

For every Rs. 100 spent at Gold Facet at Shoppers' Stop stores in Mumbai, First Citizen Citibank Golden Glow Cardmembers will earn 3 points while First Citizen Citibank Silver Edge Cardmembers will earn 2.5 points. Further, using your Card elsewhere will bring you one Point for every Rs. 100 you spend. All Rewards Points are redeemable at Shoppers' Stop.

Please Note: Rewards Points cannot be redeemed at Planet M, In-store Cafe and some other concessionaires. 

 Savings on your First Citizen Citibank Credit Card :

The First Citizen Citibank Credit Card truly means more rewards.

Sample Value Chart

Monthly Expenses	Cost (Rs.)	Reward Points on your First Citizen Citibank  Credit Card
Shopping at Shoppers' Stop	3,000	120
Restaurant / Entertainment	9,000
Grocery	3,000
Travel	5,000	170
Total for the month	20,000	190
Full year		190 * 12 = 2,280
FULL YEAR SAVINGS (@70 paise/Reward Points)		Rs. 1,596

* Every Rs. 100 that First Citizen Citibank Golden Glow Cardmembers spend at Shoppers' Stop will get them 5 Rewards Points and every Rs. 100 that First Citizen Citibank Silver Edge Cardmembers spend at Shoppers' Stop will get them 4 Rewards Points. Every Rs. 100 that is spent elsewhere will earn them 1 Rewards Point.

Stay Informed:

Stay in the know by having your Credit Card Account at your fingertips. Access your Card Account from anywhere, at any time through Internet Banking.

Get your Citibank Credit Card Statement from wherever you are, by signing up for Statement on E-mail.

Keep track of your Credit Card Account even when you are traveling with the CitiAlert.

Convenience with a Click :

Never miss a bill payment but miss all the long queues and worries by paying all your utility bills online with Bill Pay.

Go hassle-free. Pay all your Credit Card dues with Electronic Clearance Services.

Insurance Benefits :

Get coverage of up to Rs. 5 lakh on outstandings on your Citibank Credit Card with Credit Shield Plus.An offer to pay off your credit card outstanding together with a Personal Accident cover is available with the special Insurance package for Cardmembers, Suraksha.

Protect your loved ones and your employees at a nominal cost with Good Health Policy.

Travel abroad with peace of mind without worrying about falling ill with Travel Insurance Plan.

Get more from your Credit Card :

Getting a Loan on your Citibank Credit Card is easy while repaying it is still easier.

Shop all you like and pay back those big shopping bills in easy EMIs with Click-an-EMI.

Citibank Platinum Card Fees & Charges

Citibank Platinum Card Fees Details

Fees :

This Card comes to you at a Special Fee of Rs. 1000/- for the first year and a Renewal Fee of Rs. 1000/- p.a.

Description of Charges:

Joining & Annual Fees: Fees applicable for both Primary and Additional Cardmembers will be communicated at the time of sourcing

Interest Rate/Service Charge

• Boarding Rate: i.e. in the first 12 months of Card issuance is fixed at 3.15% (monthly) or 37.8% (annual). This can change periodically based on your spend, payback and utilization patterns

• The maximum interest rate, in the event of default, is 3.5% (monthly) or 42% (annually)

Cash Advance Fee : 2.0% on advanced amount (subject to a minimum of Rs. 300 and US$7.5 at International ATMs)

Late Payment Charge (per month) :

• Rs. 300 for bills up to Rs.10000

• Rs. 600 for bills from Rs. 10001 - 25000

• Rs. 700 for bills above Rs. 25000

Over Credit Limit Charge : 2.5% of the amount over the Credit Limit (subject to a minimum of Rs. 500)

Cheque Bounce Charge: Rs. 250 per returned cheque

Petrol Transaction Charge :2.5% (subject to a minimum of Rs. 10) waived at IndianOil outlets for transactions done on Citibank EDCs

Railway Ticket Booking or Cancellation Surcharge (Counter booking): 2.5% of transaction value (subject to a minimum of Rs. 25)

Railway Ticket Booking Surcharge (Internet booking):

• 1.8% of transaction value for regular transactions;

• 2.8% of transaction value for 3 EMI transaction

Card Replacement Charge : Rs. 100

Statement Request (beyond 3 months) : Rs. 100

Outstation Cheque Charge :Rs. 100 per cheque

Foreign Currency Transaction : Mark up of 3.5% (service taxes as applicable)

Service tax, as notified by the Government of India, is applicable on all fees, interest and other charges and is subject to change, as per relevant regulations of the Government of India.

Citibank Platinum Card

Citibank Platinum Card Benefits 

Apply Citibank Platinum Card Online

Top 3 Reasons to get a Citibank Platinum Card 

1.Dedicated 24/7 Concierge assistance.

2.Earn up to 5 Reward Points on spend of Rs. 125 at select merchants.

3.Get exciting offers on travel, entertainment and dining.

Flexi Rewards

To redeem your Reward Points against any purchase made on your Card just call CitiPhone at your convenience.

Instant Rewards

Shop to your hearts content for apparel, household accessories, books and more at Shoppers' Stop, Westside and Landmark outlets. Redeem your member Reward Points against these purchases INSTANTLY at the billing counter.

Flying Rewards

With your Citibank Platinum Credit Card, expect a warm welcome wherever you travel across the globe. Earn airmiles, upgrades and free flights on your favourite airlines every time you spend with your Citibank Platinum Credit Card. Top up your frequent flyer memberships with Jet Airways and AirIndia with these airmiles

Call CitiPhone to convert your member Reward Points to airmiles @ 1 Reward Point = 2.5 airmiles.

5X Rewards

The 5X Rewards program comprises of more than 250 merchants across the finest restaurants, the most popular shopping outlets (Eg. Shoppers' Stop, Westside).

For instant updates on the nearest 5X outlet, SMS "5X" to 52484.

Imagine the possibilities

Every time you use your Citibank Platinum Credit Card you move an inch closer to a world of infinite possibilities. Find below, some exciting options to redeem against accumulated Reward Points (minimum 10,000 Points), after using your Card for a year*.

Category Your redemption option

Travel :Return tickets for a couple on Mumbai-Goa sector on Jet Airways

Holiday : 2days/1 night holiday at Taj Fort Aguada Beach Resort, Goa

Shopping : Latest mobile phone costing Rs. 10,000

*Note:

The above example is based on an assumption that the Cardmember earns 10,000 points annually by spending Rs. 35,000 per month, of which 50% of the amount is spent at 50% reward outlets.

Platinum Assist

The Platinum Assist Service, specially designed for those who recognize the true meaning of exclusivity, and provides you with information/referral services and assistance to plan your business or pleasure trips, free of charge. Round the clock access through your 24/7 concierge service.

No matter what you want. No matter when. Whether it is travel assistance, hotel bookings or even car rentals, Platinum Assist representative will remain at your beck and call to make even your smallest wish come true. Simply dial our toll free No. 1800114999 or our MTNL line No. 011-41898875 and see it happen.

 Platinum Travel:

Watch distances disappear and horizons widen. Let pure luxury, sheer comfort and absolute indulgence be your travel companion anywhere you go. Whether it is a business tour or a pleasure trip, travel with the Platinum advantage everywhere, every time.

Airport Lounge Access Globally with Priority Pass:

Get a 20% discount on Priority pass and avail of access to over 500 airport VIP lounges in 90 countries and over 275 cities - so you can treat yourself like a VIP, no matter where you travel, or which airline and class you fly. You can relax and unwind away from the chaos of the airport, and enjoy a range of complimentary refreshments. Whats more, get the convenience of business facilities as most lounges offer phone, fax, e-mail and internet facilities, some even have conference rooms. Log on to www.prioritypass.com/hktmcitind07 to avail of this facility.

Business Lounge Access with Regus Network Access:

*Access to 950 Business Centers Worldwide - Comfortably furnished and fully equipped Business Centers with ready-to-use Offices, Virtual Offices and Meeting Rooms with Videoconferencing all with state-of-the-art technologies and are staffed with professional trained administration and IT personnel.

*Unlimited Usage at 950 Business Lounges Worldwide - Fully equipped business lounges in 400 city centers around the world. Perfect for when you need to check e-mail, prepare for your next meeting or surf the web - all while sipping a cup of complimentary gourmet coffee or tea.

*Internet Access - Be productive the minute you sit down with access to a high-speed Internet connection.

*On-Site Business Services - Access to professional administrative staff who can assist you with word processing, copying or other business support services

*Ready-to-Use Offices and Meeting Rooms - Receive continuous savings with each day office or meeting room rental. All have state-of-the-art equipment and are staffed by professionally trained local support.

Enjoy special discount on Regus Network Access membership at a 94% discount on the annual membership fees. You can register at a special Rs. 800 sign up fee. Log on to regus.co.in/citibank to register.

Offer valid till 31st December 2007.

Platinum Cordon Bleu:

Delight your taste buds with the finest and the most exquisite gourmet cuisine at appetizing membership discounts at over 100 select restaurants all across India. It's your exclusive privilege that comes with your Platinum membership.

Stay Informed:

Stay in the know by having your Credit Card Account at your fingertips. Access your Card Account from anywhere, at any time through Internet Banking.

Get your Citibank Credit Card Statement from wherever you are, by signing up for Statement on E-mail.

Keep track of your Credit Card Account even when you are traveling with the CitiAlert.

Convenience with a Click :

Never miss a bill payment but miss all the long queues and worries by paying all your utility bills online with Bill Pay.

Go hassle-free. Pay all your Credit Card dues with Electronic Clearance Services.

Insurance Benefits :

Get coverage of up to Rs. 5 lakh on outstandings on your Citibank Credit Card with Credit Shield Plus.An offer to pay off your credit card outstanding together with a Personal Accident cover is available with the special Insurance package for Cardmembers, Suraksha.

Protect your loved ones and your employees at a nominal cost with Good Health Policy.

Travel abroad with peace of mind without worrying about falling ill with Travel Insurance Plan.

Get more from your Credit Card :

Getting a Loan on your Citibank Credit Card is easy while repaying it is still easier.

Shop all you like and pay back those big shopping bills in easy EMIs with Click-an-EMI.