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.

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.

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.

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

• 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

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.

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.

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

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

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.

✅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).