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CREDIT CARD DETAIL Vodafone Citibank Credit Card Card Highlights Card Class Standard Card Type Issuer Citi Bank Offered Type Master Card Rewards Telecom Main Features The ease of paying your regular monthly bills. Specially designed Vodafone Citibank Rewards Program. Free Additional Card. 0% Fuel Surcharge.  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 12 month Interest Rate 3.25% 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 This Card comes to you Free for Life. You can also get three Additional Cards Free for Life for any of your family members 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 12 months of Card issuance is fixed at 3.25% (monthly) or 39.0% (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 Over Limit Charges 2.5% of the amount over the Credit Limit (subject to a minimum of Rs. 500) Cheque Bounce Fee Rs. 250 per returned cheque/ECS Return of Cheque Fee Rs. 250 per returned cheque/ECS Non-Bank ATM Access / Balance Enquiry Charges Outstation Cheque Charge (Charge based on the value of the cheque/instrument) • Up to 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 Replacement Card Charges Rs 100 Emergency Replacement(when overseas) Rs. 100 Air/Railway Booking Comment Counter booking: 2.5% of transaction value (subject to a minimum of Rs. 25) Internet booking: • 1.8% of transaction value for regular transactions; • 2.8% of transaction value for 3 EMI transaction Fuel Surcharge 2.5% Min.: Rs 10 Foreign Currency Transaction Charges Mark up of 3.5% (service taxes as applicable) Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits With the unique Vodafone Citibank Rewards Program, you can accumulate Talk Points by simply using your Card. * 3 Talk Points for every Rs. 100 spent on your Vodafone bills * 2 Talk Points for every Rs. 100 spent elsewhere * One Talk Point has a redeemable value of Re. 1  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 No 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 No Credit Shield Get coverage of up to Rs. 5 lakhs on outstandings on your Citibank Credit Card with Credit Shield Plus.  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 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 Know your home loan better Handle your credit card with Care Six tips to choose your home loan lender Loan upper limit increased for women 5 steps to avoid credit card debt and...