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Citibank Credit Card

Best Citibank Credit Card

Last Updated 05th Jul 2021
Best Citibank Cards Interest Rate Annual Fee (₹)
IndianOil Platinum Card 3.25% 1,000
IndianOil Titanium Card 3.25% 1,000
PremierMiles Card 2.50% 3,000
Rewards Card 2.50% 1,000
Cashback Card 2.50% 500
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Top Credit Cards Offered by Citibank Bank

Citibank Credit Cards Category Joining Fee Monthly Interest Charge
Cashback Card Cashback, Shopping ₹ 500 2.50%
Citi Prestige Card Lifestyle ₹ 20,000 2.50%
First Citizen Titanium Card Rewards, Shopping ₹ 500 3.25%
IndianOil Platinum Card Fuel NIL 3.25%
IndianOil Titanium Card Fuel NIL 3.25%

Citibank Credit Card

Citibank credit cards cater to the needs of all kinds of customer needs, providing Reward Points and cashback on travel, shopping, dining, entertainment, fuel expenditures. The Reward Points earned do not expire, so you can collect them to buy something big. Exclusive Citibank card privileges include up to 15% savings across participating restaurants and exciting offers on leading brands across categories.

Citibank Credit Card Eligibility

In order to apply for Citibank Credit card offers one needs to meet the following eligibility criterias, as listed below:

Income: The minimum income of the applicant should be ₹ 20,000 for salaried employees and annual income after tax deduction should be ₹ 5 Lakh for self employed. Usually, Citibank gives a credit limit of 2 to 3 times of the monthly income you earn. For salaried individuals, it is based on the net monthly salary and in case of self-employed individuals, it is based on the income declared in IT return filed for the last financial year. In case you have an existing credit card from Citibank or from any other bank, then Citibank will not check your income and your credit card eligibility will be checked based on existing credit card's transaction history.

CIBIL Score: Most banks, including Citibank prefer a credit score of 700 and above before sanctioning a credit card as your credit history defines your repayment capacity. A lower score reduces your chance of getting credit card approval. A high credit score would allow you to get an easy approval on credit card. If you already have a credit card then Citibank checks your existing credit card's transaction and payment history to ensure that you are capable of making repayments on time.

Existing Relationship with Citibank: If you already have an account with Citibank, you have a higher chance of getting a credit card and you can easily opt to apply for Citibank credit card. The bank comes with special credit card offers for its existing bank account holders would mean higher credit limit, waiver or discount on joining fees and annual fees and special promotional offers as a joining pack. In addition, if you have been maintaining a good balance in your account consistently over the past few years, you are more likely to secure a higher credit limit on your card.

Age: Bank has different credit cards targeted at different age groups and income groups of borrowers. You can apply for a Citibank credit card online or from any Citibank branch if you are at least 21 years old upto maximum age group of 60 years. However, the minimum age to get a Citibank credit card online or from the bank varies by various schemes depending on the card you choose to apply for.

Documents required for Citibank Credit Card

The type of credit card documents required differ for new and existing card holders to apply for Citibank credit card. Existing credit card holders are those who already own a credit card either from Citibank or from any other bank. In this case, income documents are not required.

Document Type For New Card Holders For Existing Card Holders
Identity Proof PAN card, Driving License, Voter ID card, Passport PAN card, Driving License, Voter ID card, Passport
Address Proof Bank statement, Rent agreement, Voter ID card, Ration card, Passport, Driving License, Postpaid Number Bank statement, Rent agreement, Voter ID card, Ration card, Passport, Driving License, Postpaid Number
Income Proof
  • In case of salaried Individual- Last 3 months salary slips, 6 months bank statement for salary account
  • In case of self-employed- Latest IT returns with computation of income or certified financial documents, Proof of business continuity
Not Required
Existing Card Proof Not Required Front copy of card, 1 latest statement within 15 days

Citibank Credit Card Benefits and Features

Citibank credit card features are:-

  • Get waiver on annual fee when you spend ₹30,000 or more on your Card in a year.
  • Annual fee waiver of ₹1000 when you spend ₹30,000 or more on your Card in a year.
  • 10,000 Miles with your first spending of ₹1,000 or more on your Citi Premier Miles Card within 60 days of Card issuance
  • Reward points are evergreen and will never expire
  • Get redemption in multiple of ₹ 500
Citibank credit card benefits are:-

  • Purchase fuel of ₹150 and earn 4 turbo points
  • 4 Turbo Points on ₹150 of fuel purchases at authorized IndianOil Retail Outlets across the country
  • Earn accelerated 10 Miles per ₹100 when you book flight tickets and hotel stays at the dedicated PremierMiles website. Access it at www.premiermiles.co.in
  • Earn 10 Reward Points for every ₹ 125 spent at apparel and department stores
  • 5% cashback on all movie ticket purchases, subject to a maximum cap of ₹ 100 per month

Types of Credit Card in Citibank

Citibank Shopping Cards

GET SMART WITH YOUR SPENDS

Receive attractive cash back or reward points, every time you spend a certain amount on pre-specified categories on the card.

Cards Name Joining Fee (₹) Annual Fee (₹)
Citibank First Citizen Titanium Card 500 500
Citibank Cashback Card 500 500
Citibank Rewards Card 1000 1000
Citibank Rewards Domestic Card 1000 1000

Citibank Travel Cards

TRAVEL WITH COMFORT

Get ease and convenience of travel if you are a regular and a frequent airline business traveler in India and to international destinations.

Cards Name Joining Fee (₹) Annual Fee (₹)
Citibank PremierMiles Card 0 3000

Citibank Fuel Cards

REDUCE THE COST OF YOUR RIDE

Use as a payment card for purchase of gasoline, diesel, and other fuels at gas stations, for vehicle maintenance and repairing and receive attractive cash back offers on your fuel bills.

Cards Name Joining Fee (₹) Annual Fee (₹)
Citibank IndianOil Platinum Card 0 1000
Citibank IndianOil Titanium Card 0 1000

Citibank Reward Cards

GET REWARDS FOR SPENDING

Receive reward points, every time you spend on pre-specified categories on the card. Get attractive gift vouchers and discount coupons available on accumulated reward points.
Rewards cards are similar to cash back credit cards, but instead of receiving cash when you spend you gain reward points which can be converted into vouchers spendable at a large range of retailers.

Cards Name Joining Fee (₹) Annual Fee (₹)
Citibank First Citizen Titanium Card 500 500
Citibank Rewards Domestic Card 1000 1000
Citibank PremierMiles Card 0 3000

Citibank Lifestyle Cards Cards

LIVE A DREAM LIFESTYLE

Offers host of upgrades, services and benefits for those who frequently prefer to go on holidays with family/friends and enjoy a luxurious and personalized travel and stay experience.

Cards Name Joining Fee (₹) Annual Fee (₹)
Citibank Citi Prestige Card 20000 20000

How to Apply Citibank Credit Card Online?

If you are an existing customer you can apply for Citibank Credit Card by visiting the nearest bank branch or can apply online by following the below-mentioned procedure:

Citibank Credit Card Apply Online:-

  • Visit Citibank official web portal and on the Citibank Credit Card page, find the list of Citibank credit cards on the top.
  • Now, choose a card as per your choice and click on the 'Check Eligibility' button.
  • You will now be redirected to the application page if you are eligible for the card.
  • Next, fill all the required fields and click on 'Submit'.
  • Finally, upload the essential documents and click on 'Submit.'
  • As you have successfully submitted all the documents and application, you will receive an acknowledgement message with the 'Application ID'. You can use the same ID to track your application status.

If you are a new customer, you can visit the bank branch or follow the below-mentioned procedure to apply for Citibank Credit Cards:

  • Visit Citibank official web portal and on the Citibank Credit Card page, find the list of Citibank credit cards on the top.
  • Now, enter your personal and contact details.
  • Next, the representative of the bank will contact you and guide you about the process of applying for Citibank Credit Cards.

How to Increase Citibank Credit Card Limits?

There are two different ways through which you can revise credit card limits:-

  • Pre-approved credit limit offer
  • Credit limit increase on request

Pre-Approved Credit Limit Offer: This offer is given to those Citibank customers who pay their dues on time. The Citibank bank will SMS or email about this scheme and they can also find it in their monthly statement. To accept the offer you can visit the official website of Citibank bank or call customer care number.

Credit Limit Increase on Request: You can directly apply for enhancement with Citibank bank. The bank will check the eligibility and if you are eligible then your application will be processed. You will have to submit last two months salary slips, Form 16 and ITR to the bank.

How to Generate Citibank Credit Card PIN?

Citibank credit card pin generation can be done by performing the following steps:-

  • Pin can be generated at an ATM
  • Pin can be generated through net banking
  • Or calling a customer care number

How to Earn and Redeem Reward Points in Citibank Card?

Citibank reward points are earned on every purchase made using a credit card except, E-Wallet loading transactions, cash withdrawal, balance transfer and disputed transactions. Also, reward points depend on card to card.

Reward points can be redeemed through:-

  • Visiting official website
  • Mobile App of Citibank
  • Calling customer care number

How to Check Citibank Credit Card Status?

The process of tracking the status of the Citibank credit card application is simple and can be done through online and offline modes. Track the Status of Citibank Credit Card Online by visting the official webiste of Citibank Bank.

You can track the Status of Citibank Credit Card Offline by calling the 24*7 customer care number and by visiting the nearest Citibank Bank branch.

FAQs

How can I take a Citibank credit card?

To apply for Citibank Credit Card, follow these simple steps:

Register: Apply for a Citi credit Card online by filling an easy application form

Select a Credit Card: Choose a Credit Card which best suits your needs and lifestyle

Submit Documents: Submit KYC and income documents to the banks representative.

Get Approved Instantly: Receive instant approval on your Citibank Credit Card after document verification

After card approval, you will receive your credit card from Citibank in 10 to 15 days.

Is Citibank credit card a MasterCard or Visa?

Citibank offers two versions of their credit card popularly known as a Visa and a MasterCard version. Visa and Master-card differ by their network management companies. Both, Visa and Master-card are global companies and have an equally wide and efficient card network.

How long does it take to get a credit card from Citibank?

Once you apply for a credit card with Citibank, you should receive the approval with a week to ten days and receive the card within a few days from the date of approval.

What is the eligibility of Citibank Credit card?

To apply for a Citibank credit card, the applicant should be a minimum of 18 years old at the time of applying for the credit card. Apart from age, you must have a regular source of income and a good credit history which are the most important credit card eligibility factors for Citibank.

Which credit card is best in Citibank?

The best credit card offered by Citibank are; Premier Miles Card, Citi Prestige Card, and Cashback Card.

What is the minimum salary for Citibank credit card?

The minimum salary required is Rs. 20,000 per month. Thus individuals with the eligible salary can go for Citi credit card apply.

Which Citibank credit card has no annual fee?

All credit cards from Citibank carry a certain annual fee. You can avail Cashback credit card by paying ₹ 500 annually which is the minimum fees.

What is Citibank credit card charges?

Some of the important Citibank credit card charges that you should know are;

  • Foreign Transaction Fee - 3.5%
  • Payment returned charge - Rs. 500
  • Railway Ticket booking surcharge - 1.8% of transaction value
  • Late payment charges - Rs. 450 to 950
  • Cash advance fee - 2.5% of transaction (minimum Rs. 300)
  • Over limit fee - 2.5% of over limit amount (minimum Rs. 500).


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Citibank Credit Card News - Jul 2021
  • 2019-05-15 : PayTm announces the launch of cash-back driven credit card with Citibank
    In a bid to grow a strong credit customer base, digital wallet company PayTm has joined hands with Citibank to launch a cash-back driven card, PayTm First Card. The newly launched credit card will unlimited cashback of up to 1% every month. The card will be accepted internationally and is contactless-enabled.
  • 2019-05-10 : Citibank offers attractive offers on fuel credit card
    Citibank’s Indian Oil Platinum Credit Card offers attractive points and rewards on its fuel credit card. The bank offers 4 turbo points on the purchase of Rs. 150 at authorised Indian Oil outlets, 2 turbo points at groceries and supermarkets and 1 turbo point for shopping and dining. These turbo points can be redeemed at over any authorised Indian Oil petrol pumps across the country.
  • 2019-04-17 : Citibank announces the launch of a new safety feature for credit cardholders
    In a bid to make its online transactions safer, Citibank has introduced the launch of a new safety feature, ‘Quick Lock’ feature on its credit cards wherein the credit cardholders can ‘Switch on/off’ the transactions on their cards. Using this facility, the credit card holders will be able to block unauthorised transactions without taking the help of Citibank credit card customer care.
  • 2019-02-08 : Citibank announces the launch of a new co-branded credit card with Indian Oil
    Citibank has announced a launch of its new credit card by joining hands with Indian Oil. Using this card, according to the bank, a customer may earn up to 71 litres of free fuel in a year. Not only this, but credit card holder will also get some additional cash back and reward points using this card at all authorised Indian Oil outlets.
  • 2019-02-04 : Citibank revises charges on credit card, effective from February 27, 2019
    Citibank has announced the revision in their credit card charges. The late payment charges and its calculation methodology applicable on Citi credit card are being revised. The change will be effective from February 27, 2019. The revised late payment charges will be applicable for Rewards, Cashback, IOC and First Citizen credit cards.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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