The Citi® Dividend Platinum Select® Card is a mastercard that is issued by Citibank and caters for those with good credit. This is a reward based credit card that offers one percent back on all purchases made on the credit card, with a limit of $300 per year in rebates. A far higher rebate of five percent can be earned on purchases made at gas stations, drugstores, and supermarkets. Rebate checks are sent out to cardholder in denominations of $50.
There is no annual fee charged on this credit card, and cardholders can enjoy a 0% interest introductory rate for the first twelve months, which will apply on balance transfers. For purchases made on the credit card, a variable interest rate of 17.99% applies and for cash advances the cardholder will pay 22.99% variable.
Late repayment fees on this Citibank credit card range from $15 to $39 depending on the balance of the credit card. Unauthorized borrowing that takes the account over the limit is charged at $35, and there is a three percent or five dollar fee on cash advances. Balance transfers are charged at three percent or five dollars minimum, with a $75 maximum charge per balance transfer transaction.
This credit card also offers a range of additional cardholder benefits, and these include: Internet account management, lost and stolen card reporting, emergency cash replacement, emergency card replacement, fraud and security protection, purchase protection, extended warranty for purchases, protection on unauthorized transactions, travel accident insurance, car rental insurance and discounts, and medical or legal referral services.
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