I saw so many negative reviews on the net for citibank, thought sharing my experience with you...infect I don’t feel like writing reviews, so you don’t see any structural writing here...purpose is just to share my exp....
I am a satisfied user of Citibank...infect it’s so easy to operate as net banking facility is one of the best...
If u open a normal Citibank account u have to have a minimum balance of Rs. 100000/- while in case of suvidha its 10, 000 Rs only....thus limiting it to Chennai office and address change is the only thing they want u to send a mail (not email) to Chennai office...
Anyway what we need to understand is suvidha is a different kind of account...there have one office that’s in Chennai....
I am an account holder of Citibank for over 4 years, till now no issues till date which couldn’t get resolved.
So many things are there in Citibank as a whole which is not provided by many Indian banks....
In USA Citibank is everywhere and I got a credit card immediately on the basis for Indian Citibank card...
I sent drafts of Rs 20K every month totally free of cost (even delivery is free) through internet banking ...no other banks provide that...
I took small loans many times no problems, amount was credited to my account within 72 hours...
I have a corporate account so I can use any other bank ATM 3 times in a month. Really useful
Synchronization between their departments is one of the best. Credit card/account/demat/billpay/loans...u can handle all on one page...that’s great...
Infect many times when there was a problem in auto debit facility to pay my credit card, they accepted their mistake and call their suvidha section and get it resolved immediately...
one thing I am pretty careful is I use their email service (citialert) very well so any unexpected changes in my account balance is immediately resolved....
Every month I got credit card statement by email and it got debited automatically on payable date, this gives me enough time to verify statement
In last 3 years I moved from mumbai to bangalore, bangalore to gurgaon, gurgaon to bangalore... everywhere it was citibank available everywhere...I never had any trouble handling my account as it works totally on internet...
Suggestion: For peoples who regularly use internet this is one of the best & easy banks to operate...
PS:
I am having HSBC, ICICI & HDFC accounts also...comparing with them adding two facilities would be great...
Having only one card (for Citibank account and credit card)...HSBC provides that
Echeck facility to transfer money electronically to any bank in India...I am using it very well to get salary to my icicibank account and then transfer them to all my other accounts as necessary...and to payment anybody else...(ICICI has that)
Disclaimer:
Please please please try to understand it’s my experience and only my views...and I am not an employee of citibank...