Citibank Silver Card : Citi Bank : Rupee Times

CREDIT CARD DETAIL

Citibank Silver Card

Card Highlights

Card Class	Standard
Card Type	Shopping
Issuer	Citi Bank
Offered Type	MasterCard
Rewards	Shopping

Main Features

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.

Credit Card Rates

Purchases:

Intro Interest Rate	0% per month
Introductory Period	6 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

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 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.
Cash Advance Transaction Fee	2.5% (subject to a minimum of Rs. 250 and US $5 at International ATMs)
Penalty Interest Rate	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
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


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).
For more info.	Click Here

Health

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

Terms & Conditions

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