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Citibank Credit Card

Last Updated 11th Nov 2019

Citibank Credit Card Online

Polpular Citibank Cards Interest Rate Annual Fee
IndianOil Platinum Card 3.25% 1,000
PremierMiles Card 3.10% 3,000
Rewards Card 3.25% 1,000
Cashback Card 3.10% 500
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Compare & Apply for Citibank Credit Cards Online in India

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

Why choose Citibank Credit Cards?

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.

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 ₹ 20,000 for salaried employees and annual income after tax deduction should be ₹ 5,00,000 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 credit card 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

How can I take a Citibank credit card?

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

Register: Applyfor aCredit Cardonline 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?

Citibankoffers two versions of their credit card popularly known as aVisaand aMasterCardversion. 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 bea minimumof 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.

Credit Card News - Nov 2019
*Terms and conditions apply. Credit at sole discretion of lender subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and from collected from public sources. Read More