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
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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* |
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2. Citibank Cash Back Credit Card
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Joining Fee | Rs. 500 |
Renewal Fee | Rs. 500 |
Joining bonus | No joining Perks. |
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3. Indian Oil Citibank Credit Card
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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. |
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4. Citibank PremierMiles Credit Card
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Joining Fee | Rs. 3,000 |
Renewal Fee | Rs. 3,000 |
Joining bonus | Get 10,000 miles on spending Rs. 1,000 in 60 days. |
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5. First Citizen Citibank Credit Card
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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. |
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6.Citibank Prestige Credit Card
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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. |
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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 |
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Income proof (For salaried) |
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Income proof (For self-employed) |
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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
- IMPS & NEFT: With IMPS and NEFT facility, Credit Card bill payments can be made 24*7(including holidays) from any of your bank accounts.
- 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.
- 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.
- 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
- Top 6 Citibank Credit Cards in India 2021
- Why Choose Citi Bank Credit Card?
- Citibank Credit Card Feature & Benefits
- 1. Citibank Rewards Credit Card
- 2. Citibank Cash Back Credit Card
- 3. Indian Oil Citibank Credit Card
- 4. Citibank PremierMiles Credit Card
- 5. First Citizen Citibank Credit Card
- 6.Citibank Prestige Credit Card
- Eligibility to Apply for Citibank Credit Card
- Document Required for Citibank Credit Card
- How to Apply for Citibank Credit Card?
- How to Check Citibank Credit Card Status?
- Citibank Credit Card Limit
- Citibank Credit Card Bill Payment
- Citibank Credit Card Customer Care Number