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Issued by Citibank, the Diamond Preferred Rewards Card is specially designed for consumers w

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

ith an excellent credit score, and who plan to take advantage of Citibank’s ThankYou Network

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

reward program.

Through the Citi Diamond Preferred Rewards Card, cardholders are entitled f

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

r five reward points for every dollar spent at selected supermarkets, drug stores and gas st

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

tions. However, this five-points-to-the-dollar offer is only valid for the first twelve mont

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

s of membership. Once that’s over, the regular reward system only awards one point per dolla

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

spent, just like all the other purchases made to the card.

These earned points can be rede

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

med for all sorts of products and services from merchants such as Toys “R” Us, Home Depot an

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

Starbucks. Additionally, cardholders are provided with the option to reduce the APR on the

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

ard for purchases and cash advances, something of a rarity amongst competing credit cards. H

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

wever, there is a cap of 75,000 points earned in a year with points expiring within five yea

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

rs.

Interest rates for the Citi Diamond Preferred Rewards Card are also comparatively low i

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

addition to no annual charges. On top of that, the 0% introductory rate is a splendid twelv

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

months that can be applied towards balance transfers. Unfortunately, the interest rates for

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

cash advances are based on a minimum of 19.99%. This means that even if the Prime Rate drops

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

you still have to pay through your nose should you come into some sort of emergency requiri

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

g a cash advance.

Nevertheless, the Citi Diamond Preferred Rewards Card is a reasonably pac

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

aged credit card. Cardholders planning to take advantage of the five point bonus and the 0%

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

ntro APR within the first twelve months will reap the most benefits. Nevertheless, those who

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

don’t will still get to enjoy the standard platinum cardholder benefits provided by Citibank

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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