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CREDIT CARD DETAIL Citibank Cash Back Card Card Highlights Card Class Standard Card Type Cash Back Issuer Citi Bank Offered Type Visa Rewards Cash back Main Features Assured cash back every time you swipe your card. Fuel transaction charge waiver of 2.5% at IndianOil petrol pumps.  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 12 month Interest Rate 3.15% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 1.49% per month Min.: Rs 2500 per month (Transfer an amount as low as Rs 2500 and save on interest.}  Fees & charges   Fees & charges Joining Fee Free for Life Annual Fee Free for Life Add On Card Fee Free for Life. You can also get one Additional Card Free for Life for any of your family member over the age of 18. Cash Advance Transaction Fee 2.5% (subject to a minimum of Rs. 250 and US $5 at International ATMs) Penalty Interest Rate interest initially is 3.15% per month (i.e. 37.8% annualized). This can change periodically based on your spend, payback and utilization patterns. Your rate of interest can increase up to 3.5% per month (i.e. 42.0% annualized), in case of default. All charges are dynamic and are subject to change based on Citibank's periodic review. Late Payment • Rs. 300 for bills up to Rs.10000 • Rs. 600 for bills from Rs. 10001 - 25000 • Rs. 700 for bills above Rs. 25000 Free Credit Period Min.: 17 days Max.: 55 days Over Limit Charges 2.5% of the amount over the Credit Limit (Subject to a minimum of Rs. 500) Cheque Bounce Fee Min.: Rs 250 Return of Cheque Fee Min.: Rs 250 Outstation Cheque Processing Fee Rs 100 Duplicate Statement Request Charges Rs 100 Replacement Card Charges Rs 100 Air/Railway Booking Comment 2.5% (subject to a minimum of Rs. 25) on railway / Air ticket purchase or cancellation fee Railway Ticket Booking Surcharge (Internet booking)- • 1.8% of transaction value for regular transactions; • 2.8% of transaction value for 3 EMI transaction Fuel Surcharge 2.5% Foreign Currency Transaction Charges 3.5% Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits  Cash Back   Cash Back: Description *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. *You earn 'Cash Back' every time you swipe your Citibank Cash Back Credit Card. You can now spend anywhere and earn Re. 1 as cash back for every Rs. 200 spent. 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.  Health   Health: Hospitalization Benefits Yes Description (Hospitalization Benefits) 1. The policy is designed to pay up to Rs. 5 lakhs worth of hospital / treatment expenses. 2. Applicants less than 55 years of age do not require any medical examination. 3. A unique policy that covers the entire family at a nominal cost with Cashless Hospitalisation benefits.  Services & Features   Services & Features General Features: Photo Option No Add On Card Yes Internet Web Based Access Yes Coverage International Concierge Service No Invitation to Special Events No Road Assistance No Forex & Travel Cheque Services No Access to 24-Hour Customer Care Centre Yes Personal Loan Facility No EMI on Call Facility Yes Dial a Draft Facility No Rewards Programme No Global Emergency Assistance Service Yes Insurance: Other Accident 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. Hospitalization Benefits Yes Credit Shield Get coverage of up to Rs. 5 lakh on outstandings on your Citibank Credit Card with Credit Shield Plus.  Special Offers   Special Offers Welcome Your Money Back Home How does your cash back card work for you? Great Offers  Terms & Conditions   Terms & Conditions Important Terms and Conditions Show All Credit Cards CARDS BY ISSUERS ABN AMRO American Express Andhra Bank AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Barclays Canara Bank Central Bank of India Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank HDFC Bank HSBC Bank ICICI Bank Indian Bank Indian Overseas Bank Jammu & Kashmir Bank Kotak PNB Reliance Capital Ltd. Standard Chartered Bank State Bank of India Syndicate Bank Union Bank of India Vijaya Bank COMPARE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   CALCULATE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   EDITORS' PICKS Your dream car - with good Car Loans from... Evaluate Hidden costs before buying a house Hit by the slowdown? Manage your Credit Card! 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