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CREDIT CARD DETAIL First Citizen Citibank Platinum Credit Card Card Highlights Card Class Platinum/Titanium (Shopping) Card Type Shopping Issuer Citi Bank Offered Type Visa Rewards Shopping Main Features Maximum Rewards: Earn up to 5% on all your spendings at Shoppers Stop. Easy Redemption: Redeem these points on the spot at your favourite shopping destination - Shoppers Stop or against your Credit Card bill. Platinum Shopping Experience: Choose your Sale day, get spend vouchers and your own shopping valet.  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 3.15% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 0% per month  Fees & charges   Fees & charges Joining Fee Rs. 1,500 per annum Cash Advance Transaction Fee 2.0% (subject to a minimum of Rs.300 and US $7.5 at International ATMs) Penalty Interest Rate Your rate of interest canincrease upto 3.5% per month (i.e.42.0% annualized), in case of default Late Payment • Rs.300 for bills upto Rs.10000 • Rs.600 for bills from Rs. 10001 - 25000 • Rs.700 for bills above Rs.25000 Over Limit Charges 2.5% of the amount over the Credit Limit (Subject to a minimum of Rs.500) Non-Bank ATM Access / Balance Enquiry Charges Outstation cheque processing charges • Upto Rs.10000 - Rs.50 per cheque • Rs.10001 to Rs.100000 - Rs.100 per cheque • Above Rs.100001 - Rs.150 per cheque Duplicate Statement Request Charges Rs 100 Railway Booking Surcharge 2.5% Air/Railway Booking Comment 2.5% of transaction value (subject to a minimum of Rs.25) (Counter booking) • 1.8% of transaction value for regular transactions; • 2.8% of transaction value for 3 EMI transaction (Internet booking) Fuel Surcharge 2.5% Foreign Currency Transaction Charges 3.5% Service Tax 10.3%  Rewards & Benefits   Rewards & Benefits 8 Reward Points for every Rs. 100 spent at shoppers stop. 2 Reward Points for every Rs. 150 spent outside shoppers stop. For more info. Click Here  Services & Features   Services & Features General Features: Photo Option No Add On Card No 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 Yes Global Emergency Assistance Service Yes Insurance: Hospitalization Benefits No  Special Offers   Special Offers Welcome offer Maximum Rewards Choose your sale day Choose your Sale day Free Spend Vouchers Privileged in-store shopping experience that compliments your lifestyle Maximum earnings in a year - Over Rs. 25,000 is possible! Enhance your lifestyle with the Platinum experience Special privileges from VISA / MasterCard  Terms & Conditions   Terms & Conditions Most 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 Dhanlaxmi Bank HDFC Bank HSBC Bank ICICI Bank Indian Bank Indian Overseas Bank IndusInd Bank Jammu & Kashmir Bank Kotak Mahindra Bank Punjab National Bank Reliance Capital Ltd. Royal Bank of Scotland Standard Chartered Bank State Bank of India Syndicate Bank Union Bank of India United 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 Top up loans: toppings on your home loan Bank loans that could glitter for you Haven’t filed a return of your income?... Evaluate Hidden costs before buying a house Carnival of Indian Personal Finance Blogs # 9