CITIBANK CREDIT CARDS

Citibank Credit Cards have been carefully designed to fulfil the customer needs in every aspect such as for travellers, for office going people and also for home loving people. You can choose from a variety of credit cards and avail exciting offers by earning reward points, air miles, and cash back.

We have the list of top 6 Citibank Credit Cards to help you compare among the cards and choose the right card for you.

Top 6 Citibank Credit Cards in India 2021

Card Variant	Annual Fee	Category
Rewards Credit Card	Rs.1,000 (waived on annual expenditure of Rs.30,000)	Shopping
First Citizen Citi Credit Card	Rs. 0 for spends of Rs. 30,000 / Rs. 5,000 for spends lesser than Rs. 30,000
IndianOil Citi Credit Card	Rs. 1,000 (waived on annual expenditure of Rs. 30,000)	Fuel
Citi Cash Back Credit Card	Rs.500	Cashback
PremierMiles Credit Card	Rs. 300	Travel
Citi Prestige Credit Card	Rs. 20,000 plus tax	Lifestyle

Why Choose Citi Bank Credit Card?

Enter an era of cash back, discounts, and much more :

• Lifestyle Benefits – Get rewarded for shopping, watching movies or even paying your nominal bills via Citibank Credit Cards. Avail the best courses and access premium offerings at restaurants, with cards customized according to your lifestyle.
• Travel Benefits – Enjoy access to premium airport lounges around the world, accumulate perks on other travel-related spends on Citi bank Credit Cards as well.
• Easy Redemption of Points and Miles – You get rewards on almost every transaction you make. These reward points could be easily utilized by very simple measure so that you can avail the best offers.
• Safety and Fraud Protection – Citi Credit Cards come with a security guarantee. The Citi Payment Gateway is a highly secured platform.

Citibank Credit Card Feature & Benefits

1. Citibank Rewards Credit Card

Key Highlights: For shopping and travelling lovers, Citi Rewards Credit Card is among the top. It offers many reward options and various schemes which will help you to spend less and earn more through points on shopping and travelling.
Joining Fee	Rs.1,000 (waived on annual expenditure of Rs.30,000)
Renewal Fee	Rs.1,000 (waived on annual expenditure of Rs.30,000)
Joining bonus	Earn upto 2500 reward points*
Features & benefits 10X more reward points at Departmental or apparel store. Earn upto 10 reward point on spending every Rs. 125, for all other purchases. Earn 300 bonus reward points on spending Rs.30,000 or more in a month. Save upto 20% through Dining Privileges offered at Citibank partner restaurants.

 2. Citibank Cash Back Credit Card

Key Highlights: Make the most of a wide range of cashback offers on all of your purchases with Citi Cash Credit Card, also avail special EMI offers on shopping online as well as at stores.
Joining Fee	Rs. 500
Renewal Fee	Rs. 500
Joining bonus	No joining Perks.
Features & benefits 5% Cash back on payment of telephone and utility bills, and purchase of movie tickets. 0.5% Cash back on all other payments made. Avail Benefits worth Rs. 3,300+ in the first year. Cash back is automatically credited to the statement in the multiples of Rs. 500.

3. Indian Oil Citibank Credit Card

Key Highlights: Enjoy several offers on fuel purchases with Indian Oil Citi Credit Card. Beneficial for those who depends on their vehicles on a daily basis.
Joining Fee	Rs. 0 for the First year.
Renewal Fee	Rs.1,000 (waived on annual expenditure of Rs.30,000)
Joining bonus	No joining Perks.
Features & benefits Get 4 Turbo Points on spent of every Rs. 150 and 1% fuel surcharge reversal on fuel purchase at authorized Indian Oil outlets. Get 2 Turbo points on spent of every Rs. 150 on groceries and supermarkets and 1 Turbo Point on every other spent of Rs. 150. 1 Turbo Point = Re. 1 of Free fuel.

 4. Citibank PremierMiles Credit Card

Key Highlights: Beneficial for frequent flyers and travellers, the Citi Premier Miles credit card offers many benefits and offers such as complimentary air travel along with access to airport lounges.
Joining Fee	Rs. 3,000
Renewal Fee	Rs. 3,000
Joining bonus	Get 10,000 miles on spending Rs. 1,000 in 60 days.
Features & benefits Avail free access to selected airport lounges across India. Earn 10 miles on Rs. 100 on airline transactions. Earn 8 miles on Rs. 100 spent at Amazon India, Flipkart, Myntra. Earn 4 Miles on all other Rs. 100 spent.

5. First Citizen Citibank Credit Card

Key Highlights: Beneficial for exclusive and best offers and deals on your shopping expenses and purchases with First Citizen Citi Credit Card.
Joining Fee	Rs. 500
Renewal Fee	Rs 0 for spends of Rs.30,000 / Rs. 500 for spends less than Rs. 30,000.
Joining bonus	Two First Use Benefit gift vouchers worth Rs.250. A gift voucher worth Rs. 500 from www.shoppersstop.com Rs. 350 worth Reward Points as an early shopping reward.
Features & benefits Enjoy Exclusive offers on beauty and wellness products. Earn 14 First Citizen Reward Points/Rs.200 spent on private brand apparel at Shoppers Stop Earn 10 First Citizen Reward Points/Rs.200 spent at Shoppers Stop on other brands Earn 10 First Citizen Reward Points/Rs.200 spent at Homestop, Arcelia, M.A.C, Clinique, Estee Lauder, Bobbi Brown, Jo Malone & Smashbox

 6.Citibank Prestige Credit Card

Key Highlights: Beneficial for frequent flyers and travellers, the Citi Premier Miles credit card offers many benefits and offers such as complimentary air travel along with access to airport lounges.
Joining Fee	Rs. 20,000
Renewal Fee	Rs. 20,000 plus tax
Joining bonus	Receive welcome gift of 2,500 bonus points and benefits worth Rs. 10,000 from ITC/Taj.
Features & benefits Enjoy Exclusive access at golf courses around the globe. Explore some of the most beautiful cities around the world with City Guides. Enjoy Complimentary unlimited Priority Pass lounge access at 800+ airports worldwide. Enjoy one complimentary night’s stay on a minimum booking of 4 nights at any hotel around the world.

Eligibility to Apply for Citibank Credit Card

CRITERIA	DETAILS
Minimum Age	23 years
Maximum Age	60 years
Minimum Income Required	Rs. 25,000* p.m. onwards
Nationality	Indian
Credit Score	Required

*the income eligibility varies from one card to another

Document Required for Citibank Credit Card

Proof of Identity & Address proof	Valid Passport issued by Govt. of India Valid Driving License Aadhar Card / E- aadhar Voter’s ID Card Job Card issued by NREGA duly signed by an officer of the State Government
Income proof (For salaried)	Identity Proof Address Proof Latest two salary slips
Income proof (For self-employed)	Identity Proof Address Proof Latest ITR

How to Apply for Citibank Credit Card?

You can apply for the Citi Bank Credit Card directly by visiting the Citibank Website or you can also apply for the credit card on Bank Sathi to enjoy additional benefits and then following the steps:

• Click on credit card tab on the homepage.
• Select the Citibank Credit Card you want to apply for
• Click on ‘Apply Now’
• Fill in the application form with your contact details, personal details, professional details and address.
• Enter you PAN to proceed with the application

How to Check Citibank Credit Card Status?

You can check the status of your Citibank Credit Card online by following these steps:

• Visit Citi Bank Online on your desktop, laptop or mobile & click on ‘Credit Cards’ tab in the menu bar.
• Select the ‘Track Application Status’ option from the drop-down menu.
• Enter your application reference number and mobile number (same as in application) and click submit.
• If the details are correctly entered, then you’ll get one of the following application statuses:
  • Approved
  • Disapproved
  • Dispatched
  • In progress
  • On-Hold
• Sometimes ‘No records found’ status can also appear, it means that the information entered by you is incorrect. Please ensure that you enter the correct details to check the application status.

Citibank Credit Card Limit

Many factors determine the Credit limit on a Citi Bank Credit Card.

• Applicant’s Income.
• Applicant’s Age.
• Any Loans & Liabilities attached to the applicant.
• Applicant’s repayment capacity.
• Applicant’s Credit History.
• Applicant’s Credit Score.
• Type of Credit Card issued.

The Credit Card limit of First-Time users is usually low as the bank does not have any prior record of how you manage your credit. Then overtime, based on your management of this limit, the card limit can be increased by the bank.

Citibank Credit Card Bill Payment

1. IMPS & NEFT: With IMPS and NEFT facility, Credit Card bill payments can be made 24*7(including holidays) from any of your bank accounts.
2. E-Pay: With Citibank’s E-Pay facility, payments can be made even if you do not have a Citibank banking account. The procedure usually takes 2 working days(excluding Saturdays & Sundays) to get credited into your account.
3. RTGS: With RTGS facility, payments initiated by customers through the RTGS before the cut-off would be credited to your account by the end of same Business Day.
4. Citi Mobile: With Citi Mobile facility, payments could be made from your Citibank Account. It is the easiest and most convenient way.

Citibank Credit Card Customer Care Number

24*7 Citi Phone Numbers (applicable across India)
Credit Cards / Citi banking / Suvidha / Loans* / Citi Priority / Business Preferred	1860 210 2484 (Local call charges apply) Use +91 22 4955 2484 for calling us from outside of India.

FAQs on Citibank Credit Cards

1. What is Citibank Credit Card Annual Fee?

The Annual Fees from Citibank Credit Cards varies from Rs. 0 to Rs. 20,000 depending on the category/variant of card selected.

2. Can I increase My Citibank Credit Card limit later on?

Yes, the Citibank Credit Card limit could be increased later on. For this, you need to approach Citibank online or offline, to find out your eligibility for Credit Card Enhancement. The Bank will run a few real-time credit checks and ensure that the offer is valid or not.

3. How To Generate Citibank Credit Card Pin Number?

• Log in to your Citi internet banking account.
• Select Credit Card option, then select Change Pin option.
• An OTP will be sent to your registered mobile number.
• Enter the OTP and choose a new 4-digit PIN of your choice.

4. Can a Citi credit card be used within India and overseas?

As per the RBI Guidelines dated January 15 2020 on Enhancing Security of Card Transactions, all Citi Cards (both Debit & Credit) issued to customers including new, reissued, renewed or upgraded cards, will be enabled for Domestic ATM and physical transactions only that is the cards will be disabled for International and Online transactions.

However, Customers can enable/disable their card for International and Online Transactions on Citibank online or via the Citi Mobile app.

5. What is cash limit?

Cash limit is defined as a proportion of the total available credit limit that you can withdraw in the form of cash. Interest would be charged on this cash withdrawal, along with a cash withdrawal fee.

To know the cash limit on your card:

• Visit Citibank Online Homepage
• Click ‘View Account Summary’
• Click Credit Cards, then Select a Credit Card
• View ‘Cash Limit’ in the summary of the card