The waiver is applicable only on transactions above Rs 400.

Apart from this benefit the card can be used for all other kinds of purchases like travel, lifestyle, shopping amongst others.

Every spend on the card earns reward points for the customer. These reward points are called i-mints. The customer gets to earn 1 i mint for every Rs 100 spent at merchant locations in India.

For every Rs 100 spent at merchant locations outside India, the customer earns 10 i mints and for transactions through websites, the customer earns 5 i mints per Rs 100.

The card also brings with it air accident insurance worth Rs 50,000 and purchase protection worth Rs 25000.

Shoppers Stop - Citibank ATM/Debit Card

This card allows the customer automatic membership to the Shoppers Stop First Citizen program. With every Rs 100 spent on the card at Shoppers Stop, the customer earns 5 reward points.

For every card spend of Rs 100 at other merchant locations other than Shoppers Stop, the customer earns 1 reward point.

The card comes for annual fee of Rs 500.