Is a Citibank credit card good for freelancers?
Sneha Thomas
Asked 16 Apr 2026
22
Reviews of Citibank credit cards mostly highlight rewards but rarely mention downsides. Is it really worth it for small business owners?
2 Answers
Accepted
23
Komal Subramaniam·30 Apr 2026
On the lounge access — the PassApp / Dreamfolks integration works smoothly only if you've registered your card on the lounge app before reaching the airport. First-time users always face issues. Do it the night before, not at the lounge counter.
21
Asha Pramanik·2 Mar 2026
Two things nobody tells you: (1) GST is charged on the annual fee, so a ₹1,000 fee becomes ₹1,180. (2) Reward points usually have an expiry of 2-3 years. Set a calendar reminder to redeem before they lapse.
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