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CREDIT CARD DETAIL First Citizen Citibank Card Card Highlights Card Class Standard Card Type Shopping Issuer Citi Bank Offered Type MasterCard Rewards Shopping Main Features With your First Citizen Citibank Credit Card, earn up to 5 Reward Points for every Rs. 100 spent at Shoppers' Stop Enjoy exclusive sale previews, special offers and discounts at Shoppers' Stop. Get periodic offers on dining and entertainment.  Credit Card Rates   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 (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 the First Year for any of your family member over the age of 18. Cash Advance Transaction Fee 2.0% on advanced amount (subject to a minimum of Rs.300 and US$7.5 at International ATMs) Penalty Interest Rate • Boarding Rate: i.e. in the first 6 months of Card issuance is fixed at 3.15% (monthly) or 37.8% (annual). This can change periodically based on your spend, payback and utilization patterns • The maximum interest rate, in the event of default, is 3.5% (monthly) or 42% (annually) 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   Rewards & Benefits With your First Citizen Citibank Credit Card, earn up to 5 Reward Points for every Rs. 100 spent at Shoppers' Stop.  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 First citizen Program Membership and Privileges Shop for more Rewards Exclusi e Payment Counters 0% EMI Scheme Savings on your First Citizen Citibank Card Upgrade to First Citizen Citibank Golden Glow Cardmembership Discounts and Offers 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 Identify the cheapest home loan offer ICICIs latest phishing warning email 5 steps to avoid credit card debt and... Getting the best rates on your personal... Evaluate Hidden costs before buying a house