Fees & charges
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| Joining Fee |
Free for Life |
| Annual Fee |
Free for Life |
| Add On Card Fee |
Free for Life. Share all the privileges of your Citibank credit card with up to five members of your family. |
| 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 3.19% per month (i.e. 38.28% 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. 350 for bills up to Rs. 10,000
• Rs. 500 for bills between Rs. 10,001 & Rs. 20,000
• Rs. 600 for bills above Rs. 20,000 |
| 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 |
| Fuel Surcharge |
2.5% |
| Foreign Currency Transaction Charges |
3% |
| Service Tax |
12.36% |
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