Citibank Platinum Credit Card Review

Citibank Platinum Credit Card is specially designed for those who recognize the true meaning of exclusivity. Platinum cards with most banks give you that special feeling as the cardholders are one of the most premium customers of the bank. With Platinum credit card offerings there is absolutely no margin for error and is same is the case with Citibank.

The Reward Points Program with Citibank Platinum Credit Card is unimpressive when compared to HSBC Platinum card and ICICI Platinum credit card offering. Citibank Platinum card offers one Reward point for every Rs 125 spent (Though the card states to earn up to 5 Reward Points on spend of Rs. 125 at select merchants.)Comparatively HSBC offers two points for every Rs 150 spent and ICICI offers one point for every Rs 100 spent for their respective Platinum credit cards.

Citibank does offer impressive Rewards redemption options where Reward points can be redeemed against a host of offerings right from shopping to flying. Thus shopping and flying with Citibank Platinum Credit Card could be very exciting and money saving.

Most Platinum credit cards like Citibank offer Platinum assistance to its cardholders. This feature could come real handy while travelling as it helps you with travel assistance, hotel bookings or even car rentals.

Citibank Platinum Credit Card has a Joining and Annual fees of Rs 1000. This in comparison to ICICI Platinum credit card also has similar fee. However, when compared to HSBC Platinum card which has Joining fee of Rs 6000 and Annual fee of Rs 2000 from second year onwards. The interest rate offering for Citibank Platinum Credit Card is 3.15% p.m. which is similar to most other Platinum card offering.