Best part of this bank if your CIBIL Score is 700+ they can issue you credit card or loan while other banks required 750+ .If I talk about credit card they have better waiver condition of their annual charges with respect to other banks like yes or sbi.They also offer loan to their customers on basis of credit card. Recently they introduced digital Banking facility, paperless banking. customer care are also supportive while other banks are not good at communicating unless it’s a bill. Their is little more frustrating for me about citi bank i.e billing cycle.