Have been using this card for more than a year and have never faced any problems till date. You can accumulate all points and redeem against a petrol transaction at CITI bank authorized IOC outlet. Any disputes, just raise a query by logging online and will be replied. You can also use your card number to generate a PIN and track it online. Overall nice benefits.
The only thing to take care is, the card must not be swiped on a non CITI bank EDC else surcharge for fuel would be applied. For a list of authorized CITI outlets, check out the citi bank website. The gold card was also upgraded free of cost to titanium but there were no additional benefits.