Citibank Credit Card

Last Updated 16th Oct 2018

Citibank Card Online

Polpular Citibank Cards Interest Rate Annual Fee
IndianOil Platinum Card 3.25% Rs. 1,000
PremierMiles Card 3.10% Rs. 3,000
Rewards Card 3.25% Rs. 1,000
Cashback Card 3.10% Rs. 500
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Compare Citibank Credit Cards Online, Best Citibank Credit Cards

Citibank Credit Cards Category Joining Fee Monthly Interest Charge
Cashback Card Shopping, Cashback NIL 3.10%
Citi Prestige Card Lifestyle NIL 3.10%
First Citizen Titanium Card Shopping, Rewards NIL 3.25%
IndianOil Platinum Card Fuel NIL 3.25%
IndianOil Titanium Card Fuel NIL 3.25%
PremierMiles Card Travel and Airline, Rewards NIL 3.10%
Rewards Card Shopping, Cashback NIL 3.25%
Rewards Domestic Card Shopping, Rewards NIL 3.25%

Why choose Citibank Credit Cards?

Citibank credit cards cater to the needs of all kinds of cutomer 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.

Top Citibank Credit Cards

IndianOil Platinum Card: The IndianOil Platinum Card by Citibank is fuel- rewards card that helps you save on your fuel expenses. You can avail up to 4 Turbo Points on fuel purchases at IndianOil petrol pumps which can be redeemed at select merchant outlets and online partners. The card also offers great reward benefits on groceries, supermarkets, movies and dining. Turbo Points never expire, so you can redeem now or keep collecting for something big later.

PremierMiles Card: Citi PremierMiles Credit Card is a premium travel card that also has benefits of a rewards card. The card offers Miles with each expense, which can be redeemed when you book flight tickets and hotel stays at the dedicated PremierMiles website. These Miles are evergreen miles that never expire. You also get premium lounge access on all domestic airports.

Rewards Card: The Rewards card really stands up to its name by offering unlimited benefits in the form of Reward Points. The card has worldwide acceptance and offers 10x Reward Points on apparel and departmental stores, with bonus points on monthly spends. These points never expire, so you can redeem now or keep collecting for something big later.

Cashback Card: Cash Back Credit Card by Citi helps you enjoy savings, cash rebates and other money saving benefits all year long. This card offers cashback of up to 5% on movie tickets, telephone bill and utility bill payments.

Citibank Credit Card Eligibility

Income: The minimum income of the applicant should be Rs. 20,000 for salaried employees and annual income after tax deduction should be Rs. 500,000 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 for you. 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 to make 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. Citibank comes with special credit card schemes for its existing bank holders which 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 credit card from Citibank if you are at least 21 years old upto maximum age group of 60 years. However, the minimum age to get a credit card from Citibank varies by various schemes depending on the card your choose to apply for.

Documents required for Citibank credit card

The type of documents required differ for new and existing card holders. 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

Frequently Asked Questions

Which Citibank credit cards are best for people who frequently travel abroad?

Citibank offers many travel cards which are attractive from the point of foreign exchange services, airport lounge services and booking tickets. These are PremierMiles Card.

Which Citibank credit cards are best for shopping?

Citibank’s shopping cards are Rewards Card, Cashback Card, Rewards Domestic Card, First Citizen Titanium Card which are best for customers who are frequent shoppers as they offer a host of attractive cashbacks and rewards.

Which credit cards of Citibank offer the most rewards and cashbacks?

Rewards Card, Cashback Card, PremierMiles Card, Rewards Domestic Card, First Citizen Titanium Card are the popular cashback and reward cards. These cards also offer fuel surcharge waivers

What are lifestyle cards? Which are Citibank’s lifestyle cards?

Lifestyle card 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. Citibank offers Citi Prestige Card as premium lifestyle cards with features exclusive airport lounge access, discounts, frequent flyer benefits and many other lifestyle related rewards.

What happens if I do not make my Citibank credit card payment on time?

If you do not make your Citibank credit card payment on or before due date, then Citibank levies an interest charge of 3.10% to 3.25% on your credit card which has to be paid by you along with the due amount. All the transactions made by you in the credit card period appears in your Citibank credit card statement.

Credit Card News - Oct 2018
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