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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   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 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   Rewards & Benefits 5 Rewards Points for every Rs. 150 spent through standing instruction facility availed for paying Reliance mobile bills (post-paid)  Health   Health: Hospitalization Benefits Yes Description (Hospitalization Benefits) On hospitalization, pay your hospital bills with your Reliance Gold Credit Card. You will receive a hospital allowance of Rs. 500 per day. The allowance is applicable in case of hospitalization for a minimum of three days and a maximum of five days. This benefit is provided by Reliance General Insurance. * Terms and Conditions  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 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   Special Offers Complimentary Gift Vouchers 0% Fuel Surcharge Rewards Program Towing Services Hospital Services Pay Utility Bills Share the privilege with your family 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 Raju and The Skyladder Page 20 The right age for home loans! Complete Guide to the Home Loan Process in... Home loans: a route to home sweet home J&K Bank raises PLR