The Citi® Platinum Select is a platinum mastercard which is issued by Citibank, and is designed for those with good credit. This credit card has no annual fee, and offers a 0% interest introductory period, which is available for twelve months. This introductory rate applies to balances that are transferred on to this mastercard as well as to new purchases made on the credit card. The interest rate on purchases made with your credit card is 11.24% variable.
This Citibank card has a range of fees associated with it. For cash advances you will be charged three percent or five dollar, and balance transfers are charged at three percent or five dollars minimum, although there is a $75 maximum charge per balance transfer transaction. You will be charged $15 to $39 (depending on the balance of the credit card) on late repayments, and $35 if your card exceeds its limit.
Some of the additional benefits that cardholders can look forward to with this credit card include: fraud and security protection, purchase protection, extended warranty for purchases, protection on unauthorized transactions, travel accident insurance, car rental insurance, : Internet account management, lost and stolen card reporting, emergency cash replacement, emergency card replacement, and roadside assistance.
This credit card does not have some of the special features that come with a number of other platinum credit cards. However, it does offer a generous interest free period on balance transfers and purchases as well as a very reasonable rate of interest on new purchases thereafter.
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