Fees
Annual feeINR 1,000 + GST (Free for Citi Suvidha account holders)
Joining feeINR 1,000 + GST (Free for Citi Suvidha account holders)
Renewal feeINR 1,000 + GST (Free for Citi Suvidha account holders)
Fee waiverWaived on annual spend of INR 30,000 or more
Spend waiverSpend INR 1,00,000 in 12 months
Interest rate3.75% per month (45% per annum)
Late paymentNIL up to INR 2,000; INR 600 for INR 2,001-INR 7,500; INR 950 for INR 7,501-INR 15,000; INR 1,300 above INR 15,000
Forex markup3.5% on transaction amount
Cash advance2.5% of amount withdrawn, minimum INR 500
Eligibility
Min income (salaried)INR 25,000/month (INR 3 lakh/year)
Min income (self-emp.)INR 3-INR 4 lakh/year (Income Tax Return (ITR) basis)
Credit score700-750 (Good) (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rate10 Reward Points per INR 125 on apparel & departmental stores
Cashback %N/A - Reward Points based
Redemption optionsCashback (direct), Fuel Redemptions, Flights & Hotels, Air Miles / Airline Conversion, Merchandise, Gift Vouchers
Points expiryNo Expiry
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offers0% - 5% (via partner sites)
ConciergeNo
Forex waiver3.5% (Standard Rate) - No waiver
Lifestyle
Dining discountsYes - Up to 20% at partner restaurants via Citi Dining program
Fuel surchargeYes - 1% surcharge waiver at IndianOil outlets (>INR 10)
OTT subscriptionsNo
E-commerce offersYes - Amazon, Flipkart, Myntra (4X accelerated points historically)
Credit limit & EMI
Default limitINR 25,000 - INR 75,000
Max limitINR 1.5 - INR 3 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rate1% per month
Insurance & protection
Purchase protectionNo
Lost card liabilityYes - Zero liability post reporting to Citibank
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements & Due Dates, Convert to Equated Monthly Instalment (EMI), Rewards Tracking & Redemption, Autopay Setup, Download Credit Card Statement, Raise Service Requests
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Enable/Disable Contactless (Near-Field Communication (NFC)), Automated Teller Machine (ATM) Withdrawal Toggle, Set Transaction Limits, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, OTP for Online Transactions, CVV + Expiry + OTP Combo, Spending Pattern Detection, Suspicious Transaction Blocking, Zero Liability Guarantee, Instant Card Block Option
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportNo