The Citi Life Silver Credit Card offered by Citibank is a card that comes packed with features that make it a very good choice for those who want something that more than just a credit card. These cards are issued for free and offer benefits like protection of the outstanding balance, travel insurance and the convenience to pay for big purchases over an extended period. They also offer attractive reward programs that allow you to earn points as you spend and later redeem them.
Features of the Citibank Citi Life Silver Credit Card
- Annual Fee: The annual fee for the primary card will be between AED 50 and AED 150. The first 5 supplementary cards that you take will be given for no annual fee.
- Interest Rates: Retail purchases and cash withdrawn on this card will attract a monthly interest rate of 2.99%.
- Credit Period: All the payments due on this card need to be made within the due date mentioned in the statement of account.
- Cash Advance: You can withdraw a part of your credit limit as cash. The limit of the amount you can withdraw will depend on the banks policies.
- Cash withdrawals: The fee charged for cash withdrawals will be 3% of the amount withdrawn or AED 60, whichever is higher.
- International transactions: You can use the card to conduct international transactions, however a fee of 2.99% will be applicable on the transactions.
Benefits of the Citibank Citi Life Silver Credit Card
- Insurance Benefits: The card offers a travel insurance that will cover you for accidental deaths, emergency medical expenses, loss of or delay in receiving baggage and even in the event of a missed or delayed flight.
- Credit Shield: For a payment of just 0.79% of the outstanding balance you can ensure that should something happen to you, the outstanding balance on your credit card does not become a burden.
- Instalment Plan: When you make a big purchase you can turn the repayment into easy to pay instalments that can last for as long as 60 months. The interest charged for this service is calculated based on the reducing balance.
- Special Offers: The card offers access to a wealth of special offers and discounts on dining, travel and lifestyle pursuits.
- You can avail discounts up to 20% at select restaurants across the UAE.
- When you make purchases at select outlets, you can avail the easy instalment plans at 0% interest.
- Booking your hotel stays with this card could earn you discounts of up to 35%.
- Lifestyle and healthy living pursuits like yachting, golf and visiting health clubs come with discounts of up to 30%.
- If you are in need of a loan you can avail one using this cards credit limit. You won’t even have to submit salary documents or arrange salary transfers for it.
- You can even use this card to make payments towards your utility bills.
Citibank Citi Life Silver Credit Card Rewards
The Citi Life Silver Credit Card comes with the CitiDollar reward program where you earn 1 CitiDollar for every AED you spend on this card. Once you have collected enough reward points, you can use them to purchase goods or avail discounts and offers at certain outlets.
The Citibank Citi Life Silver Credit Card is the ideal choice for anyone who wishes to have a card that offers them the benefits of a credit card coupled with lots of rewards and benefits.