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Banks Offering Credit Card
CITIBank Credit Card

Citibank, one of the leading foreign banks operating in India, till recently, had the largest credit card base in India. Citibank has more than 27 types of credit cards on offer, including many affinity cards such as Citibank IndianOil card, First Citizen card, and Maruti Suzuki Auto Card. The women's Visa Mini card offers discount on home improvement products. Citibank has Visa, MasterCard and Diners card.

Card Name CITIBank-Silver Card CITIBank -Gold Card CITIBank-Platinum Card
Network Master Master Visa
Joining Fee (in rupees) Free Free 1000
Annual Fee (in rupees) 350 NA 1000
Add On Card - Issue Fee Free NA NA
Interest Rate -on revolving Credit 45.75%p.a 45.75%p.a 45.75%p.a
Interest Rate -on Cash Withdrawal 45.75%p.a 45.75%p.a 45.75%p.a
Interest Rate - on Balance Transfer 1.49% 1.49% 1.49%
Reward points You earn 1 Rewards Point for every Rs. 200 spent on the Card. Earn 1 Rewards Point for every Rs. 150/- spent 1. Earn up to 5 Reward Points on spend of Rs. 125 at select merchants
Surcharge on Fuel 2.5% (subject to a minimum of Rs. 10) waived at IndianOil outlets for transactions done on Citibank EDCs 2.5% (subject to a minimum of Rs. 10) waived at IndianOil outlets for transactions done on Citibank EDCs 2.5% (subject to a minimum of Rs. 10) waived at IndianOil outlets for transactions done on Citibank EDCs
Cash Withdrawal Fee 2.5% (subject to a minimum of Rs. 250 and US $5 at International ATMs) 2.5% (subject to a minimum of Rs. 250 and US $5 at International ATMs) 2.5% (subject to a minimum of Rs. 250 and US $5 at International ATMs)
Late Payment Charges Rs 300 for bills upto Rs 10000,Rs 600 for the bills upto Rs 10001-25000,Rs 700 for the bills above Rs 25000. Rs 300 for bills upto Rs 10000,Rs 600 for the bills upto Rs 10001-25000,Rs 700 for the bills above Rs 25000. Rs 300 for bills upto Rs 10000,Rs 600 for the bills upto Rs 10001-25000,Rs 700 for the bills above Rs 25000.
Late Payment Fee NA NA NA
Overlimit Charges 2.5% of the amount over the Credit Limit (subject to a minimum of Rs. 500) 2.5% of the amount over the Credit Limit (subject to a minimum of Rs. 500) 2.5% of the amount over the Credit Limit (subject to a minimum of Rs. 500)
Maximum Credit Free Period Up to 30 days Up to 30 days Up to 30 days


Please add service tax @ 12.36% to all interest and charges

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