Citibank Credit Card
The Citibank Credit Card
Citibank, an American based company, have been trying to gain a market share in the UK for several years now and with their Citibank platinum credit card they should be able to do so. They have recently altered the offer of this credit card from an introductory 0% balance transfer and 0% purchase offer for 6 months to the new and improved 0% balance transfers for 9 months and 0% purchases for 3 months. Citibank still have all the previous benefits that were in place with the previous offer, some of which were very attractive points when considering the credit card offer. The most valuable points seem to be the extended 12 month warranty on electrical items purchased with the credit card and a price match guarantee which means that Citibank will refund you the difference if you see an item that you have just purchased displayed in another store cheaper than what you have paid. Benefits- 0% APR on balance transfers for 9 months
- 0% APR on purchases for 3 months
- Typical 15.9 % APR (variable)
- 14.0% per annum on Balance Transfers
- 16.6% per annum on Cash Advances
- Credit limit up to £25,000
- Emergency, Medical & Legal Referral Service
- Emergency Card Replacement
- Internet Fraud Guarantee
- Price Match Guarantee - if goods you have bought are cheaper elsewhere Citi will refund the difference
- Extended 1 Year Warranty on all electrical goods purchased
- Travel Accident Cover
- Purchase Protection - all products bought with the card are covered against theft or accidental damage for 30 days
- No annual fee
Summary
The CitiBank credit card has one of the best offers on credit cards available to UK residents. Along with the fantastic 0% on purchases and balance transfers there are also many other member benefits to choose from, with the top picks being the price match guarantee and the extended warranty of 12 months on electrical goods. With a standard APR of only 15.9% this is an excellent offer. Generally this offer is only open to those with a perfect credit history, if you are refused, Citibank may offer a different credit card deal.