Category Archives: Citibank

Paytm First Credit Card Detailed Review

Paytm First Credit Card

Paytm in collaboration with Citibank has launched Paytm First credit card, an entry-level card targeting existing Paytm users. Now, Paytm being a Payments Bank cannot offer lending products such as credit card on its own. Thus, it had to launch this Paytm First credit card as a co-branded card with Citibank.

Best Credit Cards for Lounge access in 2020

Best Credit Cards for Lounge Access

I am usually very excited about air travel, maybe the child in me has not grown up yet :D. Apart from the flight, another exciting part of air travel is the airport lounge, where one can relax and grab something to eat and drink, free of course. :D. Well, to get free airport lounge access one needs to have right credit cards.

Here, I have made a detailed list of most credit cards that provide complimentary lounge access. . The post is divided into 2 parts, part one where I list the credit cards on the basis on free lounge access they provide. The second part is my thoughts on how to select the best credit card for lounge access.

Citibank Premiermiles: How I saved 100,000 last year on it

Easy redemption on MakeMyTripz

I love minting credit card points and I do so by putting my every expense on credit card. Last year, I saved nearly 100,000 on my Citibank Premiermiles card alone. Below are the details on how I did it.

Redeemed Citibank Premiermiles point for flight tickets on MMT

Citibank Premiermiles reward points offer the best value (1 point=45paise) on flights and hotel bookings. Thus, I used my points to book return tickets to Singapore. Two return tickets for Singapore were priced at 46000, but I booked them just 4 bucks!! For rest, I redeemed my Premiermiles reward points. An instant savings of 46,000.

Best super premium credit cards in India

HDFC Bank Infinia Credit Card

Banks offer a bouquet of credit cards suitable for a wide range of audiences, from entry level cards to super premium credit cards. Well, I did write about a few entry-level credit cards here, it’s now turn to look at the other extreme, the best super premium credit cards available in India.

Banks look to make their super premium credit cards an object of desire or a status symbol and as exclusive as possible. They start with making super premium credit cards available only to HNIs or select customers, high annual fee, high spending limit and exclusive or curated offers & experiences. Another common theme across all super premium credit cards is concierge service. While some concierge such as one from the Amex is way ahead of others, but nonetheless all banks will offer one.

Below is the list of top super premium credit cards available in India. I have ranked the credit cards based on reward points accrual based on a set template of annual spend. The template is spread over various categories, details in footnote.

Citibank – Changes in reward program

Citibank has announced changes to its reward program and excluded many major categories from it, effective from 12th October 2019. Personally, Citibank is my primary card (till now that is) because of its simplicity. One gets reward points for all the transactions (no exceptions) and no expiry of reward points. However, this has now changed.

Citibank changes to Reward Program

Below are the details on changes made to the Citibank credit card reward program:

What are the changes in Citibank reward program?

If one reads the official update about changes to Citibank reward program (link here), it’s not very clear as to which merchants are excluded from reward points and which are not. Thus I dug up on what these MCC codes meant and found the details here.

Thus, combining information from these sources, I made a ready reckoner for reference, below.