Having a plethora of credit card options must have confused you and you do not know which one to select. Don’t worry, Citibank credit cards have a wide range and you can choose the card as per your need. Here are some of the basic things you will need to consider to choose a credit card. Read this article and know about them.
The 3 Aspects which helps you choose a credit card Your Monthly Expenditure:- On what you spend? How much do you spend? Are the first question which helps in deciding your credit card. If you spend more on travel then you need a travel card, and if you are addicted to shopping then you should choose a reward credit card which saves on your purchases. Interest rates:- You can choose the Citibank credit card as it offers an attractive interest rate over your used limit. And customers can also convert high purchases into EMI by which they can pay the credit card bill on installments. Annual and renewal charges:- Always check the annual and renewal fee of your credit card to make sure it comes in handy and can be paid every year without any hassle. Because a high annual fee can put you in doubt whether the card is affordable to you or not which may not happen in case of Citibank credit cards. Types of Citibank Credit Card Travel cards:- Do you travel often? Then choose credit cards that are specially designed to help travellers which come with discounts in flying hotels and airport lounges. And not only this you’ll also earn air miles on your spending which can be used later. One such card is the Citi PremierMiles credit card that offers you a welcome gift of 10,000 air miles. The joining or annual fee is charged for this Citibank credit card at the time of sourcing. And on card renewal you can get up to 3,00 bonus miles. The air miles come with no expiry and can be used anytime. For every INR 100 spend on store or online e-commerce sites you’ll earn 4 miles. Citibank charges Foreign currency fee on your international transactions which is 3.5%, and for the late payment of your credit card bills the charges would be INR 100 if your statement balance is above INR 1,000. Shopping cards:- There are 2 types of shopping cards one is with cashback and other with reward features. If you need a credit card for your daily expenses then use Citibank Rewards Credit Card which provides reward benefits on every single purchase. And the points you earn will be evergreen as they don’t expire and can be claimed against top brands discount vouchers, etc. For every INR 125 purchase you can earn a minimum of 1 reward point. Earn up 10X reward points at your online, physical department, or apparel stores purchase. Also a bonus reward point of 300 will be credited when you shop more than INR 30,000 a month. Fuel cards:- Some fuel cards are also there for you by which you can save on the fuel refilling to control your monthly budget. As per the hike in petrol or diesel it will become difficult for you to manage their spends. Don’t worry with the Citibank Indian Oil Credit Card you can save on your fuel spends. 1 Turbo point on INR 150 or above spent at Indian Oil outlets. And the points can be earned for everyday purchases as well like 2 Turbo points for groceries and departmental store purchases and 1 Turbo point for others. 1 Turbo point is equivalent to INR 1 and if you make your first purchase within 30 days of the card activation then you are eligible to get 250 Bonus Turbo points. Card holders can save a maximum of 71 litres fuel purchase using their Citibank credit card. So, choose your credit card as per your need from Citibank.
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Anika Sharma
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