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Citi Credit Card Charges and Fees

The range of Citi credit cards offers you the provision to make cashless transactions seamlessly by borrowing on the card. You can use it for shopping online and at retail outlets, pay utility bills with it, purchase fuel, pay for all travel-related expenses and do so much more. However, owning one of these diverse Citibank credit cards brings with certain fees and charges that are levied based on usage. Let us take a look at all these Citi credit card charges and fees.

Types of Citi Bank Credit Card Charges and Fees

Some of the Citi Bank credit card charges and fees that are levied on the cards under a variety of circumstances are mentioned below-

  1. Citi credit card annual fee- This is the annual Citi card fees that you need to pay for owning a Citi credit card. In some cases, the Citi credit card fees may be waived off on achieving milestone spends.

  2. Citi bank credit card late payment charges- The Citi credit card late fee is charged if you fail to clear the minimum due amount on your card within the payment due date.

  3. Citi credit card over-limit charges- Such Citi credit card charges are applied when the spends on the card exceed the credit limit available on the card.

  4. Citi credit card foreign transaction fee – The Citi card foreign transaction fee is charged when you use the credit card for transacting overseas.

  5. Citi credit card finance charge- Citibank finance charges are levied on the outstanding dues if the balance isn’t cleared before the due date.

Details of Citi Bank Credit Card Fees and Charges

The Citi credit card fees and charges are different for different cards. Here is a list of common charges that you can incur on your Citi Bank credit card.

 

Citi Cash Back Credit Card

Citibank Rewards Credit Card

Citi PremierMiles Credit Card

Citi IndianOil Credit Card

Annual Fee

INR 500

INR 1,000

(waived off against annual spends of INR 30,000 in a year)

INR 3,000

INR 1,000 (waived off against annual spends of INR 30,000 in a year)

Cash Advance Fee

2.5% of amount withdrawn (min INR 500)

2.5% of amount withdrawn (min INR 500)

2.0% of amount withdrawn (min INR 300)

2.5% of amount withdrawn (min INR 500)

Late Payment Charges

Total Amount due (INR 0- INR 1000) = Nil 

Total Amount due (INR 1000- INR 5000) = INR 450 

Total Amount due (INR 5000- INR 10000) = INR 700 

Amount due > INR 10000 = INR 950

Total Amount due (INR 0- INR 1000) = Nil 

Total Amount due (INR 1000- INR 5000) = INR 450 

Total Amount due (INR 5000- INR 10000) = INR 700 

Amount due > INR 10000 = INR 950

Total Amount due (INR 0- INR 1000) = Nil 

Amount due > INR 1000 = INR 100

Total Amount due (INR 0- INR 1000) = Nil 

Total Amount due (INR 1000- INR 5000) = INR 450 

Total Amount due (INR 5000- INR 10000) = INR 700 

Amount due > INR 10000 = INR 950

Overlimit Charges

2.5% of the amount exceeded exclusive of taxes, charges and fees (minimum INR 500)

2.5% of the amount exceeded exclusive of taxes, charges and fees (minimum INR 500)

2.5% of the amount exceeded exclusive of taxes, charges and fees (minimum INR 500)

2.5% of the amount exceeded exclusive of taxes, charges and fees (minimum INR 500)

Returned Payment Charge

(Cheque / ECS / ACH / SI

Bounce Charge)

INR 500 per payment returned

INR 500 per payment returned

INR 350 per payment returned

INR 500 per payment returned

Railway Ticket Booking Surcharge

1.8% of the amount transacted

1.8% of the amount transacted

1.8% of the amount transacted

1.8% of the amount transacted

Finance Charges

3.35% per month/ 40.2% per year

3.35% per month/ 40.2% per year

3.35% per month/ 40.2% per year

3.35% per month/ 40.2% per year

Fuel Transaction Charges

1% surcharge + GST (reversed at IndiaOil outlets on transactions more than INR 10)

1% surcharge + GST (reversed at IndiaOil outlets on transactions more than INR 10)

1% surcharge + GST (reversed at IndiaOil outlets on transactions more than INR 10)

1% surcharge + GST (reversed at IndiaOil outlets on transactions more than INR 10)

Cash Deposit Charges

INR 250

INR 250

INR 100

INR 250

Foreign Transaction Charges

3.5% on mark-up

3.5% on mark-up

3.5% on mark-up

3.5% on mark-up

Why Choose Citi Credit Card from Finserv MARKETS

There are multiple reasons to choose Finserv MARKETS to apply for Citibank Credit Cards:

  • Rewards & Discounts

Get some of the best rewards on Citibank Credit Cards on Finserv MARKETS. Apply for Credit Cards online at Finserv MARKETS and get Credit Cards packed with rewards and offers from your favorite brands.

  • One Platform, Many Cards

At Finserv MARKETS, we have just the right amount of Credit Cards for you. Whether you want a Credit Card that gets you discounts on shopping or the one that saves on your fuel costs, we have it all!

  • Stringent Security Measures

With cyber-crime a reality, your Credit Card comes with features that ensure safety against any kind of fraud. Apply online and avail the best credit card for you now!

  • Convert Purchases into EMIs

Purchases through any of the Citibank Credit Cards available at Finserv MARKETS can be converted into EMIs easily. Apply for a Citibank credit card online today.

  • Joining Benefits

Enjoy assured joining benefits on multiple Credit Cards at Finserv MARKETS as soon as you join. Get amazing discount vouchers from top e-commerce sites, fuel surcharge waivers, cashbacks, and much more!

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Frequently Asked Questions

  • ✔️What are the Citi credit card charges for joining?

    The Citi credit card joining/annual fees vary from card to card and are communicated at the time the card is sourced. While all credit cards have an annual fee, some have the provision of being waived off in case of milestone spends.

  • ✔️How much is the Citi credit card foreign transaction fees?

    For foreign transactions in US Dollars, a 3.5% mark-up on the INR equivalent of the spent in US Dollars is charged as Citi credit card foreign transaction fee.