# Little Savings
In the last post, I have described the benefits of a Credit Card and Why one should have a Credit Card.
When I tried to pick best Credit Card from the Citibank, who is one of the pioneer in the Credit Cards, I compared the different cards available in Citibank.
Choose your best SBI Credit Card
Citibank Credit Card in india:
Mainly, Citibank Offers the following categories of Credit Cards.
Petrol (IndianOil Citi Credit Card)
Rewards(Citi Rewards Credit Card)
Cashback(Citi Cashback Credit Card)
Shopping(First Citizen Credit Card)
Here are some Premium Cards from Citibank.
Travel(Citi Premier Miles Card)
Hotel(Citi Prestige Credit Card)
Coming back, when compared all the in's and out's of each credit card,
Annual Maintenance:
Welcome Bonus:
Late Payment Charges?:
Other Benefits:
Other Charges?:
Rewards:
Rewards Conditions:
After all the struggles, I recommend to go for the Citibank Cashback Credit Card due to the following features.
- Low Annual Maintenance among all cards.
- 5% Cashbacks on Utility Payments & Telephone bills
- 0.5% on all the payments. (My average spent on Credit Cards is about 1.5 Lakhs per year, 0.5% of an amount(INR 750) is covering my annual maintenance).
- And all the remaining charges are same as the other credit cards.
- Note the cashback will be redeemed only when total cashback amount reached INR 500.
If you have a Citibank account, there is a referral program till 30th Sep, 2020.
This is my Referral link.
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