I really hope I had checked the reviews of others before I applied. The whole process from applying to activating the card was just dodgy! I have called the hotline twice to receive different answers. There is no waiver on annual fee and the services they offer do not suit my needs at all.

I transferred from a great credit company to Citi based on the bonus rewards points. 5 months and many phone calls later they’ve found a way to wriggle out of it although they agreed that I met all the criteria ie- spending the amount within the days, etc.. if you’re thinking of joining based on receiving bonus points really think twice or make sure you going to receive them before you apply.

I applied this credit Card for the 100 000 bonus points if I use 3000 in 90 days. After 90 days, I end up using more than 6000 dollars but didn't received the promised points on the internet. Called the Citibank hotline and explained to them twice, the response they gave was the promotion that applied for was 0% balance transfer. I never ever used that balance transfer before. Such a fraud and dishonest bank.

I just cut my card up as I found a better provider. Even as I was telling Citibank to close my account down they were trying to sell me balance transfers from other cards. I transferred a balance to this card when I took it up in 2015 with the offer of "interest free for six months". What they don't tell you and found out about later on is that as soon as you make a purchase the interest free disappears. It's a credit card, of course you're going to make a purchase. These guys are total scammers and should be avoided at all costs.

Thanks to Citibank Platinum, I was able to transfer my credit card debt from NAB to Citi and pay 0% interest on the debt for 24 months!!!!!! That's a huge saving and allows me, with regular payments, to get on top of that debt.

I used to be fan but I think there's more trusted card providers. Our card had fraud activity and they didn't cancel it as requested.
We had over 12 cases which took a couple of months to sort out. In the mean time I was charge another $99 annual fee that I had been promised to be waived. Apparently no record of this !!!
I have gone with another bank !!

I recently did a balance transfer from another bank to Citibank and it was very easy. I got a great interest rate at the time and am paying off the debt interest free. Highly recommend

I am so glad that today finally i got out of their vicious Interest trap and finally surrendered my card after 3 years of horror. This is the only Bank i know who don't value their existing customers base. Doesn't matter how loyal you are to CitiBank they hardly cares. They will try to trick you at every step even while closing the account with false promises. I paid $200 yearly fee last month but still choose to close my card knowingly i won't get any refund. If you value peace of mind then don't go near to this bank. They have every trick in their armoury to riff you off.

Sneaky retail interests and no reminder to pay invoice. Crappy Indian "customer service" that will take forever to resolve simple tasks.

I was planning to apply for a Citibank card, however, I paused the application without completing it.

Then I noticed that Citibank made TWO credit checks against me, at no stage was a credit check permission requested.

I called up and was told that I was declined as there have been too many credit checks on my account...

Currently filing a dispute with the ombudsman

Credit card that charges interest from date of purchase, *not* statement date. Replayments allocated to transactions and balance transfer. Which means that you WILL pay interest of over 20%. It's not a credit card, it's a trap! Stay away. I didn't realize these products were allowed. Are there any public interest lawyers here who could help sue the pants off these guys? I'd love to join.

Unfortunately in the same boat as the rest of the comments below. Interest charged on purchases despite previous agreement with service agent on fees waived. Apparently the only way to avoid would be to not use card. Customer service lacking,ie making client not aware. Hiding behind terms and conditions that are listed on website. Apparently unable to send out a physical copy of terms on conditions,yet able to send out notification of terms and conditions via mail with statement. If you want a card without nasty surprises,suggest avoid anything to do with Citigroup including Card Services. It will really cost you as well as customer service nil.

I wish to complaint in the strongest possible terms about citi's disgusting lack of customer service and terrible internet banking system. They can positively identify me to record my voice print yet I cannot access my account details without having my card present. They happily record my voice and say that they have correctly identified me but claim that to protect me I am not allowed access to my own account details. No offer to assist with alternate methods, no care for my needs, no questions to explore potential solutions just blatant refusal to treat me with the slightest humanity. I have sent them a complaint and stated they are welcome to contact me and I will provide additional feedback but I truly do not expect to hear from them.

Application process for the credit card took a long time. Citibank Emirates Platinum Credit Card terms are misleading and not consumer friendly. Rip off! Even if you pay off your balance they still charge retail interest for every purchase! What's the point of a credit card? No other bank does that. Citibank has bad customer service and terms. When contacting them they are not helpful and it takes ages to get a responds. Frustrating all around.