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CREDIT CARD DETAIL Citibank Gold Card Card Highlights Card Class Gold Card Type Shopping Issuer Citi Bank Offered Type MasterCard Rewards Shopping Main Features High Credit and Cash Limits. Access to exclusive Citibank World Privileges. Earn 1 Rewards Point for every Rs. 150/- spent.  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 6 month Interest Rate 3.19% 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  Fees & charges   Fees & charges 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. 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 Railway Booking Surcharge 2.5% 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 3.5% Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits Earn 1 Rewards Point for every Rs. 150/- spent. For more info. Click Here  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 Yes EMI on Call Facility Yes Dial a Draft Facility No Rewards Programme Yes 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 High Credit and Cash Limits Priority Services Complimentary benefits for the International Traveller 0% Fuel Surcharge 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 A chronicle of excesses by loan recovery... Can we claim tax benefits on home loan and... Tax Deduction on HRA (House Rent Allowance) Utilise credit card reward points Loans to assist people with bad credit scores