Shell Mastercard (citibank) Review

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1.7 stars
Average rating for this product is: 1.7 out of 5

From 0 ratings and 15 reviews

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Mr M Denham's Review of Shell Mastercard (citibank)

19th Apr 2009

Overall Rating

0.5 stars
  • Value for money
    0 stars
  • Loyalty scheme
    Yes
  • Used card for
    6 - 12 Months
  • Customer service
    1 stars
Good Points

3% off Shell petrol.


Bad Points

Some SERIOUSLY NASTY terms & conditions, in the small print.
Dismal customer service.
Misleading statements.
Staggering interest rates.


General Comments

I normally pay off Shell Mastercard in full, but do so manually in order to keep a check on payments. I have a direct debit set up for the minimum payment to ensure I don't get charged any late fees if I forget. However, if you DON'T pay off in full, then your account changes to an "interest bearing" account and you get charged interest on EVERYTHING until you've paid off in full. In this case, the statement you receive the following month doesn't actually indicate what you owe (since it takes ~4 days for payment to clear, and they're still charging you interest at some obscene rate). This means that if you pay off the following month's bill as normal, then you effectively get charged interest AGAIN, but only discover this the month after that! None of the cards I've had before have been like this. I can't even find mention of this in the terms & conditions, and "Customer Services" can't point me to the clauses that supposedly apply. I have paid them off in full, cut the card up and will not be using Citibank for ANYTHING in the future. (On the plus side, 3% of Shell petrol is great if you don't have any choice where you buy your petrol... hence the 1 star.)

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