Citibank credit card is one of the worst cards I have ever used. They can block the card at will, without informing you. Citi diners discounts are never honored by their affiliated restaurants. Pathetic bonus points system. Disgusting call center. First they keep call you to take the credit card for free and then keep spiraling up their cost, interest and all the undue and undisclosed charges. Better STAY AWAY FROM CITI Bank Credit Cards.
Go for HSBC or HDFC, , even the Manhattan from StanC is way better!