From July 2012 to Dec 2012, I used Citibank account as my salary account and I took a credit card at that time. That was the big mistake I did. After changing my company, I changed my salary account from citibank to other bank. After 8 months, (recently) I got an email saying there is no salary transactions through my citibank account and it is converted to savings account. And, I need to maintain 25000 Rs otherwise I need to pay 300 Rs every month. until this is fine.
The most frustrating part is, I used my card to spend 300 US Dollars and it was 16515 INR. But almost 17300 Rs were deducted because, my card is used for foreign currency transaction and hence, I need to pay 12% service tax + some S.H.I.T taxes. I am heavily trying to close the account. Once I clear this amount, I am going to close the account.
People who are thinking about going to open citibank account, Think twice... and there are very very less branches in hyd to visit even......