I’ve been using this card since 2010. There are so many great features about this card. I’ve earned many discounts while shopping online. The best feature is the payback for fuel points. I’ve spent nearly 4.5 lacs on this card & have redeemed nearly fuel worth Rs. 5000. Additionally, I get fuel surcharge waivers every time I make a visit to the fuel station. There’s a cap on the maximum waiver each month. I think it’s around Rs. 250 when I last checked. Not sure if that still holds, but it’s great after all. I’ve been able to get free movie tickets to take my girl on movies. This helps lessen the burden on the pocket & allows to have fun at the same time too. Online portals allow to convert the purchased amount into EMIs at no extra cost with the Citibank card. I’ve also earned a referral bonus for referring a few freinds. This bonus was a cash payback of Rs. 2000 per referral. Isn’t that great or what!