So is Citibank silver card..... Review on Citibank Visa Credit Card

You get it in no time at all after you've applied. And also you starting wondering whether all those cross-verification was really an eye-wash or what... but the true Citibank Silver card colours start turning grey once you start receiving the statements or rather not receiving. My experience has been that I had to write once or twice with strong words for them to send me monthly statements. It goes smoothly as long as you are clearing your bills regularly and using it within India. Then once you use it on your foreign trips, expect to be fleeced to no end. God knows what Foreign exchange rates Citibank uses... usually there is a huge margin and you loose out heavily. Then comes the interest they charge(or is it the service charges?)Man, you know what it means to be in debts now..

You are doomed if you carried forward some amount to the next statement... looks like they wait upon this opportunity and pounce on you with delayed fees, extra service charges and what not. Those award points and gift redemption is ridiculous and yes, they never forget that hefty annual fee recovery..never late on that. My honest opinion, please go for some other card in case you care for your peace of mind.