Citibank indian oil platinum credit card review...
Advertised saying 1000 Rs free gift voucher from yebhi.com and 250Rs free fuel in Indian oil outlets
Questions that we need to ask here is:
i. Is it that easy to redeem these free gifts?
A: No. Not at all because in yebhi.com itself most of the products are sold with some offer and you cannot redeem this gift voucher for those products. The products for which you can redeem this voucher are either too costly or not needed for us. Hence, this is a big trick to attract people to use citibank card.
ii. Coming to free fuel?
A: again it is a headache to redeem this offer why because you need to spot a indian oil outlet first and then that outlet should have citibank EDC(i.e) the machine used to swipe credit card. If you have done both this, its not the end of the deal. The amount will be discounted in ur CC bill after 90 days only.
iii. Now coming to the actual features of the card... Save 5% over fuel spend...
A: you get 4 points when spend 150rs on fuel in indian oil outlets and no surcharge being waived 2.5% . Again this is done only on indian oil outlets which uses citibank EDC..
iv. Whats the problem in using this card?
A: if you use your CC in petrol bunks other indian oil which using citibank EDC... You need to pay 2.5% surcharge or 10 Rs which ever is greater...
v. Is the above statement is a big problem?
A: if you dont feel that as a big problem, then this could be the worst of all.. You need to pay 1000rs renewal feel if you are not spending more than 30000rs in your CC for that year...
Overall: use of CC is to make life easy and not to complicate... Having these many constraints isn't a great offer... I would say we are complicating our life with these type of cards... So stay away from this crap
Advertised saying 1000 Rs free gift voucher from yebhi.com and 250Rs free fuel in Indian oil outlets
Questions that we need to ask here is:
i. Is it that easy to redeem these free gifts?
A: No. Not at all because in yebhi.com itself most of the products are sold with some offer and you cannot redeem this gift voucher for those products. The products for which you can redeem this voucher are either too costly or not needed for us. Hence, this is a big trick to attract people to use citibank card.
ii. Coming to free fuel?
A: again it is a headache to redeem this offer why because you need to spot a indian oil outlet first and then that outlet should have citibank EDC(i.e) the machine used to swipe credit card. If you have done both this, its not the end of the deal. The amount will be discounted in ur CC bill after 90 days only.
iii. Now coming to the actual features of the card... Save 5% over fuel spend...
A: you get 4 points when spend 150rs on fuel in indian oil outlets and no surcharge being waived 2.5% . Again this is done only on indian oil outlets which uses citibank EDC..
iv. Whats the problem in using this card?
A: if you use your CC in petrol bunks other indian oil which using citibank EDC... You need to pay 2.5% surcharge or 10 Rs which ever is greater...
v. Is the above statement is a big problem?
A: if you dont feel that as a big problem, then this could be the worst of all.. You need to pay 1000rs renewal feel if you are not spending more than 30000rs in your CC for that year...
Overall: use of CC is to make life easy and not to complicate... Having these many constraints isn't a great offer... I would say we are complicating our life with these type of cards... So stay away from this crap
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