Citibank Reliance Gold Credit Card : Citi Bank : Rupee Times

CREDIT CARD DETAIL

Citibank Reliance Gold Credit Card

Card Highlights

Card Class	Gold
Card Type	Shopping
Issuer	Citi Bank
Offered Type	Visa
Rewards	Shopping

Main Features

Higher Credit and Cash limits. Get complimentary Gift Vouchers worth Rs. 400 on signing up. Get an Insurance package with a dual offer to pay off your Card outstanding of up to Rs. 25 lakh with personal accident cover.

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

Joining Fee	Free for Life.
Annual Fee	Free for Life.
Add On Card Fee	Free for Life. You can share the power of your Reliance Gold Credit Card with your family. Your Reliance Gold Credit Card membership entitles you to up to 5 add-on cards, free for life.
Cash Advance Transaction Fee	2.5% (subject to a minimum of Rs. 250 and US $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

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	No
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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