The Platinum credit card is the upper echelon of premium cards available from Citibank. It’s unique to other platinum cards as it has a range of rewards options including the Citi Miles program, the Citi Qantas program, Citi Take Flight cash back and other discounts and offers. So you’re spoilt for choice when it comes to getting rewards that suit your needs. Special Promotion 40,000 bonus reward points.

With a ‘through the roof’ credit limit of up to $100,000, Citibank is obviously predicting a lot of expensive purchases on this card. The risk of offering so much money is compensated for by Citibank with a interest rate for Cash Advances and for purchases, as well as an annual fee which is double that of the Gold card. And, as expected, it comes with a minimum income requirement of $50,000.

However, it does score brownie points for a balance transfer rate for the first 9 months of balances transferred.

The Citbank Platinum credit card also comes with up to 55 days interest free, a 24/7 concierge service, extended warranty on purchases, purchase protection insurance (up to $200,000), international travel insurance, transit accident insurance and a digital signature and photo card to protect you against credit fraud.

Like the Gold card (and unlike the Silver card) the Citibank Platinum card lives up to its name and you actually get what you pay for. But while not being ripped off is great, it’s not enough to make this card the best option by any means.