Credit Card

Credit cards from Citibank specialize in travel, lifestyle, shopping and corporate use. Citibank Credit cards offer great benefits and discounts to the cardholders reacted to the spending they make on the card.
 

Card Name Fees and charges Features Suitable for
 Citi Rewards Annual Fee: Rs. 1,000
Interest rate: 39% per annum
Reward points for shopping at apparel and departmental stores and with select partners. Individuals who are seeking benefits from their shopping expenses.
Citi Premier Miles Annual Fee: Rs. 3,000
Interest rate: 37.2% – 42% per annum
Airmiles for all airline transactions, redeemable across over a 100 domestic and international airlines. A regular traveler who wishes to get rewarded for travelling near and far.
Indianoil Citi Platinum Annual Fee: Rs.1,000( for the ones who spend less than Rs. 30,000 )
Interest rate: 39% per annum
 4X turbo points for fuel purchases at Indian Oil outlets.
2X turbo points for grocery shopping.
Individuals seeking best possible benefits from day to day expenses like fuel and groceries
Citi Cash Back Annual Fee: Rs. 500
Interest rate: 37.2% – 42% per annum
5% cash back on movie ticket purchases and phone bill payments. 
0.5 % cash back on other expenses.
People who want a credit card for their day to day expenses with a benefit of converting reward points into cash.
First Citizen Citi credit card Annual Fee: Rs. 500( for the ones who spend less than Rs. 30,000 )
Interest rate: 39% per annum
 Accelerated Reward points for shopping at select apparel stores like Shoppers stop, and reward points for all other expenses. For shopaholics who wish to earn while they spend.

Types of credit cards offered by Citibank

Citibank Credit CardsTravel- Citibank PremierMiles Credit Card is the Citibank Travel credit Cards with the following benefits and features:    

  • 10, 000 Miles on the first spending of Rs.100 or more on the card if the card is used within 60 days post issuance. 3000 Miles on renewal of the card.
  • The facility to earn accelerated miles @ 10 Miles on every Rs.100 spent on flight tickets, hotel stays and car rentals on bookings made through partner merchants
  • The Miles last for the entire lifetime which means that they never expire
  • The Miles can be redeemed on flight tickets on any day excluding blackout dates
  • Being a member of the Frequent Flyer Program if the customer books a ticket using the card, he or she earns Miles on the ticket bookings and also earns the relevant FFP Miles for flying that airline
  • 1 Frequent Flyer Mile for every 2 Miles transferred to airline partners
  • Complimentary access to airport lounges across India along with light refreshments and business facilities.
  • A complimentary Air Accident Insurance Cover up to  Rs.1 crore and Lost Card Liability cover of Rs.2 lakhs
  • Up to 20% off on dining across 2000 restaurant partners
  • EMI privileges on online travel booking, shopping, consumer electronics and mobile phone outlets leading retail chains and e-retailers
  • Shopping – Credit Cards designed to give exclusive offers, reward points and discounts on shopping. The range of shopping cards include:
  • Earn 10 times the Reward Points on spends at apparel and department stores at over 50 partners
  • 1500 bonus points on using the card for the first time within 30 days of card issue and  1000 bonus points on the first Rs.1000 spent if used within 60 days of the card issue
  • 500 bonus points on your birthday and also for a maximum of 3 additional cards
  • 1000 bonus points if the spending is 1 lakh or more in a quarter
  • 1000 reward points on card renewal
  • The points last for the entire lifetime which means that they never expire
  • The reward points can be redeemed on holidays, air miles, cash back and premium merchandise at over 700 outlets and e-shopping partners.
  • Availability of personal concierge service
  • Up to 20% off on dining across 2000 restaurant partners
  • EMI privileges on shopping, consumer electronics and mobile phone outlets leading retail chains and e-retailers
  • Citibank Rewards Domestic Credit Cards – a card offering reward points, discounts and benefits across multiple outlets within India. The following are the features and benefits of the card:
  • 10 times the Reward points on every Rs.125 spent at apparel and department stores and 1 point for every Rs.125 spent anywhere else
  • 1000 welcome reward points if there is a spending of at least Rs.1000 on the card within the first 60 days of card issue
  • The points last for the entire lifetime which means that they never expire
  • No annual fee if there has been a total annual spending of at least Rs.30, 000 on the card else the annual fee is Rs.1000
  • The reward points earned can be redeemed on in-store shopping, online shopping, air miles on Air India and Jet Airways, to be adjusted against the outstanding balance of the statement, gift vouchers and Citibank rewards merchandise like laptops, cameras, home electronics, personal care items, etc.
  • Availability of personal concierge service
  • Up to 20% off on dining across 2000 restaurant partners
  • Savings and offers across 100 plus stores on shopping
  • EMI privileges on shopping, consumer electronics and mobile phone outlets leading retail chains and e-retailers
  • Citibank Cash Back Credit Card – a credit card which offers cash backs on spending. The various features and benefits of the card are as follows:
  • 5% cash back on movie ticket purchases, telephone bill payment and all types of utility bill payments if they are paid through Citibank Online Bill Pay service offered by the bank
  • 0.5% cashback on all other types of spending
  • Cash back is availed automatically as statement credit and can be redeemed in multiples of Rs.500
  • Up to 20% off on dining across 2000 restaurant partners
  • Savings and offers across 100 plus stores on shopping
  • EMI privileges on shopping, consumer electronics and mobile phone outlets leading retail chains and e-retailers
  • First Citizen Citibank Titanium Credit card – a credit card offering extra benefits to First Citizen shoppers of Shopper’s Stop. The features and benefits are as follows:
  • Accelerated reward points earning ability at Shopper’s Stop which are also easily redeemable.
  • Earn up to 4.9% through instant redemption of First Citizen points against purchases made at Shopper’s Stop, 7 First Citizen Reward points per Rs.100 spent at Shopper’s Stop and 1 First Citizen Reward points per Rs.100 spent anywhere else
  • Rs.250 Shopper’s Stop Vouchers which can be redeemed at Shopper’s Stop within the first month of card issuance against a minimum billing of Rs.1000
  • Online Shopper’s Stop vouchers to be used at the online store of Shopper’s Stop worth Rs.500 redeemable against purchases worth Rs.2500
  • Any other spending within 30 days of card issuance allows 500 points which can be redeemed at Shopper’s Stop amounting to Rs.350
  • Exclusive sale previews in Shopper’s Stop sale season
  • Complimentary parking and exclusive billing counter at Shopper’s Stop
  • Offers, savings and discounts on beauty and wellness across popular Beauty Salons, Spas and Fitness Centers
  • No annual fee if there has been a total annual spending of at least Rs.30, 000 on the card else the annual fee is Rs.500
  • Free emergency card replacement
  • Secure online bill payment service for paying off all kinds of utility bills with over 150 listed providers across India
  • Option of availing EMI facility on shopping bills of over Rs.2500
  • Facility of instant loan, easy payment options to settle the outstanding credit card bill and attractive balance transfer options with simplified repayment plans
  • Availability of personal concierge service
  • 20% off on dining across 2000 restaurant partners
  • Savings and offers across 100 plus stores on shopping
  • EMI privileges on shopping, consumer electronics and mobile phone outlets leading retail chains and e-retailers
  • Citibank Platinum Credit Card – a premium variety of credit card offering higher reward points and increased savings and also the facility of personalized services. The features and benefits are as follows:
  • Platinum Member rewards which are tailor made to offer exclusive benefits on each spend
  • 1 reward  point for every Rs.125 spent on the card
  • 5 times the reward points across a range of finest restaurants and famous shopping outlets
  • The points can be redeemed across a range of products
  • Accessibility of the credit card account through internet banking anytime and anywhere
  • Facility of meeting all types of utility bill payments if they are paid through Citibank Online Bill Pay service offered by the bank
  • Easy EMI options on high shopping bills
  • Fuel – cards designed to give benefits on fuel purchases. The different range of cards under this variety are as follows:
  • IndianOil Citibank Platinum credit Card – the Citibank platinum card promises excellent reward points on fuel purchases and offers great discounts too. The features and benefits are as follows:
  • A Limited period offer with Rs.250 worth of Activation benefits
  • Ability to save over 5% on fuel bills across IndianOil outlets by earning 4 turbo points for every Rs.250 spent on fuel and 2.5% waiver on fuel surcharge
  • 4 Turbo points for every RS.150 spent at featured partner outlets is given on Citibank platinum card.
  • 2 turbo points for every RS.150 spent on groceries up to a maximum of Rs.5000. These points can be redeemed to avail free fuel
  • Up to 71 liters of free fuel through the accelerated rewards points system
  • The turbo points can be redeemed against free fuel across IndianOil outlets or for gift vouchers for products and services across different brands or for leisurely, lifestyle or travel shopping
  • No annual fee if there has been a total annual spending of at least Rs.30, 000 on the card else the annual fee is Rs.1000
  • Facility to subscribe for up to 3 additional cards with free fuel benefit of Rs.200 on each card is also available on Citibank platinum card.
  • The turbo points last for the entire lifetime which means that they never expire
  • Secure online bill payment service for paying off all kinds of utility bills with over 150 listed providers across India is also available with the Citibank platinum card.
  • Option of availing EMI facility on shopping bills of over Rs.2500
  • Facility of instant loan, easy payment options to settle the outstanding credit card bill and attractive balance transfer options with simplified repayment plans
  • Availability of personal concierge service
  • 20% off on dining across 2000 restaurant partners
  • Savings and offers across 100 plus stores on shopping
  • EMI privileges on shopping, consumer electronics and mobile phone outlets leading retail chains and e-retailers
  • IndianOil Citibank Titanium Credit Card – another premium card with fuel offers across IndianOil outlets. The features and benefits are:
  • A Limited period offer with Rs.250 worth of Activation benefits
  • Earn Turbo points on all spends with 4 turbo points per Rs.150 spent on IndianOil Fuel stations across India, 2 turbo points per Rs.150 spent on grocery and supermarkets and 1 turbo point per Rs.150 spent on shopping, dining, movies etc.
  • 4 Turbo points for every RS.150 spent at featured partner outlets
  • 2 turbo points for every RS.150 spent on groceries up to a maximum of Rs.5000. These points can be redeemed to avail free fuel
  • Up to 71 liters of free fuel through the accelerated rewards points system
  • The turbo points can be redeemed against free fuel across IndianOil outlets or for gift vouchers for products and services across different brands or for leisurely, lifestyle or travel shopping
  • No annual fee if there has been a total annual spending of at least Rs.30, 000 on the card else the annual fee is Rs.1000
  • The turbo points last for the entire lifetime which means that they never expire
  • Secure online bill payment service for paying off all kinds of utility bills with over 150 listed providers across India
  • Option of availing EMI facility on shopping bills of over Rs.2500
  • Facility of instant loan, easy payment options to settle the outstanding credit card bill and attractive balance transfer options with simplified repayment plans
  • Availability of personal concierge service
  • 20% off on dining across 2000 restaurant partners
  • Savings and offers across 100 plus stores on shopping
  • EMI privileges on shopping, consumer electronics and mobile phone outlets leading retail chains and e-retailers
  • Lifestyle – Citi Prestige is the premium lifestyle card which promises the highest levels of service, luxury experiences and exclusive lifestyle offers. the features and benefits of Citi Prestige are as follows:
  • Up to 15% savings on bookings of international first class or business class tickets with 7 major airlines of the world
  • Complimentary unlimited Priority Pass lounge access at across 700 major airports globally for both primary and supplementary cardholders
  • One complimentary night stay on availing a minimum of 4 night stay at any hotel across the world
  • 10% savings on the best available rate at Taj Hotels, Resorts and Palaces
  • 10% savings on Luxury Getaways and complimentary room upgrades at the ITC group of hotels
  • 20% savings on a minimum stay of 2 nights at The Leela
  • Minimum 10% savings at select properties at The Lalit
  • 10% savings on getaways and wellness packages at Ananda in the Himalayas
  • 2 annual complimentary airport limousine transfers and yQ airport meet and assist services at over 30 international airports in the Asia Pacific region
  • Preferential rates on private jet access
  • 5000 bonus miles on the first British Airways flight, Etihad Guest Gold Membership and 5000 bonus miles, Taj Epicure Plus plan and Inner Circle Gold Membership, Hilton HHonors Gold Status, Hertz Gold Plus Reward Membership.
  • Access to select 16 golf courses across the Asia Pacific region with complimentary green fees
  • 4 complimentary golf rounds and lessons across 8 leading golf clubs in India
  • 20% savings at Jiva Spa at Taj Hotels and Resorts with the Inner Circle card and also at Six Senses Spa
  • 15% savings at select properties at Rejuve Spa at The Lalit
  • Availability of 33 city guides created exclusively by the Luxe City Guides
  • An annual complimentary sailing session for 2 people
  • A complimentary Harrods Black Card and VIP Card from Chic outlet
  • Citibank corporate credit Card – a card designed for corporate needs with the following features:
  • The VISA Intellilink Management System give online access to statements, makes reports, identifies top suppliers and is a convenient expense approval system
  • Facility of consolidate one-glance statements across all corporate members and one bill payment for all cardholders of Citibank corporate credit card.
  • Facility of paying utility bills online
  • Reward points on every spending which can be redeemed against air miles, hotel stays, etc.
  • Priority Assistance Service both in India and abroad is available on Citibank corporate credit card.
  • 20% savings on dining and up to 55% on travel related expenses like hotel stays, car rentals, etc.
  • Availability of personal concierge service
  • Savings and offers across 100 plus stores on shopping
  • Facility of instant loan, easy payment options to settle the outstanding credit card bill and attractive balance transfer options with simplified repayment plans.

To avail all the above benefits log on to http://www.paisabazaar.com/ to know the Citibank credit card eligibility.

Citibank credit card documentation

Citibank credit cards can be availed by providing basic documentation such as Kyc, income proof and photos.

Fees and Charges

The following fees and charges are payable for the cards

CITIBANK Travel Card

Citi Premier Miles Credit Card

Interest Rates: The interest rate varies from 37.2% to 42% per annum depending upon the card utilization, spends and repayment of outstanding dues.

Annual Fees:  Rs.3000.

Comes complimentary for Citigold clients and First year fees stands waived for Citi Priority clients.

CITIBANK Shopping Credit Cards

Citibank Rewards Card and Citibank Rewards Domestic Card

Interest Rates: 3.25%p.m (39% p.a.) This rate may change depending upon the card utilization, spends and repayment of outstanding dues.

Annual Fees: Card comes free if the annual spends are more than Rs.30000, else a nominal amount of Rs.1000 is applicable every year.

First Citizen Citibank Credit Card

Interest Rates: 3.25%p.m (39% p.a.) This rate may change depending upon the card utilization, spends and repayment of outstanding dues.

Annual Fees: Card comes free if the annual spends are more than Rs.30000, else a nominal amount of Rs.500 is applicable every year.

CITIBANK Fuel Credit Cards

Titanium and Platinum are the two variants of Indian oil Citibank credit Cards. The charges on each Indian oil Citibank credit Card are:

Interest Rates: 3.25%p.m (39% p.a.) This rate may change depending upon the card utilization, spends and repayment of outstanding dues.

Annual Fees: Card comes free if the annual spends are more than Rs.30000, else a nominal amount of Rs.1000 is applicable every year.

CITIBANK Lifestyle Credit Cards

Citi Prestige Credit Card comes with Annual membership fees of Rs.20000.

CITIBANK Cashback Credit Cards

Interest Rates: The interest rate varies from 37.2% to 42% per annum depending upon the card utilization, spends and repayment of outstanding dues.

Annual Fees: Rs.500 charged in the card issuance month and thereafter every year post 12 months.

REWARDS REDEMPTION

Benefits of Citibank Credit Cards lies in the offered rewards which can be redeemed easily.

CITIBANK Travel Card

Citi Premier Miles Credit Card

  • Points can be redeemed at our preferred partners, or through online or via phone banking.
  • For every 100 miles on card Rs.45 can be redeemed at partners.
  • Points can be redeemed instantly through dedicated website www.premiermiles.co.in. Points can be utilized to plan holidays or travel tickets, hotels or car rentals. Alternatively you can also reach us at our dedicated helpdesk number 1800-208-4484 or +91-124-6159100.
  • Our Preferred partners being GoIbibo.com, Yatra.com, and Indigo.
  • Airline Partners: Cathay Pacific, British Airways, Malaysia Airlines, Etihad Airways, Air India, Flying Blue, Qantas, Delta Airlines, Thai Airways, Eva Air, Singapore Airlines, Qatar Airways, Jet Airways, Virgin Atlantic. Points can be redeemed in the ratio of 2:1 by reaching CitiPhone.
  • Points can also be converted to Loyalty points at Partner Hotels-Club Carlson, Taj Innercircle, Hilton HHonors, IHG Rewards Club.
  • Points can also be redeemed for vouchers and merchandise available on Citibank Online catalog for electronics and luxurious premium brands.

CITIBANK Shopping Cards

  • Get Re.1 Fuel for every 4 rewards points, with a minimum of 250 points at any Indian Oil outlet near you.
  • Instant redemption at 700 Instore partners, for every point get Rs.0.30 with a minimum of 250 points.
  • Redeem a minimum of 250 points for Rs.0.30 for every point at online stores and for Rs.0.25 for every point at Travel sites.
  • Convert points to miles with Frequent Fliers program at Air India or Jet Airways.
  • Points can be received as cashback by calling up helplines. 
  • Vouchers of premium brands can be availed through catalog selection. 

Citibank Rewards Credit Card

  • Earn 10X rewards points at Apparels and Departmental stores for every Rs.125 spent.
  • 1 reward point for every Rs.125 at all other stores and purchases.
  • Instant redemption at 600 Instore partners, for every point get Rs.0.30 with a minimum of 250 points.
  • Redeem a minimum of 250 points for Rs.0.30 for every point at online stores and for Rs.0.25 for every point at Travel sites.
  • Convert points to miles with Frequent Fliers program at Air India or Jet Airways.
  • Points can be received as cashback by calling up helplines. 
  • Vouchers of premium brands can be availed through catalog selection. 

Citibank First Citizen Cards

  • Earn 7 First Citizen points for every Rs.100 spent at Shoppers Stop.
  • Earn 1 First Citizen points for every Rs.100 spent at every other purchase at merchant stores.
  • Points can be redeemed instantly in part or full at any Shoppers Stop outlet or at online store www.shoppersstop.com.
  • 1 First Citizen Point = Re.0.70

CITIBANK Fuel Cards

Indian oil Citi Platinum Credit Card and Indian oil Citi Titanium Credit Card

  • Earn 4X Turbo Points and also get 2.5% fuel surcharge waiver at all Indian oil outlets.
  • Earn 4X Turbo Points at Citibank Instore and online partner stores.
  • Earn 2x Turbo points on groceries stores.
  • Earn 1x Turbo points at all other spends on Rs.150
  • Redeem rewards point instantly at 950 participating Indian oil outlets for fuel, 1 Turbo point=Rs.1 fuel.
  • Instant redemption at 700 Instore partners, for every point get Rs.0.30 with a minimum of 250 points.
  • Redeem a minimum of 250 points for Rs.0.30 for every point at online stores and for Rs.0.25 for every point at Travel sites.
  • Convert points to miles with Frequent Fliers program at Air India or Jet Airways.
  • Points can be received as cashback by calling up helplines. 
  • Vouchers of premium brands can be availed through catalog selection. 

CITIBANK Lifestyle Cards

  • Earn 1 domestic point and 2 points oversees for every Rs.100 spent
  • Existing CitiGold and CitiGold Private Clients earn bonus 30% points as relationship gesture.
  • Points can be redeemed at Our Preferred partners being GoIbibo.com, Yatra.com, and Indigo.
  • Airline Partners: Cathay Pacific, British Airways, Malaysia Airlines, Etihad Airways, Air India, Flying Blue, Qantas, Delta Airlines, Thai Airways, Eva Air, Singapore Airlines, Qatar Airways, Jet Airways, Virgin Atlantic. Points can be redeemed in the ratio of 2:1 by reaching CitiPhone.
  • Points can also be converted to Loyalty points at Partner Hotels-Club Carlson, Taj Innercircle, Hilton HHonors, IHG Rewards Club.
  • Points can also be redeemed for vouchers and merchandise available on Citibank Online catalog for electronics and luxurious premium brands.

Citibank Cashback Card

  • Cashback is automatically credited in statements.

CITIBANK PRIVILEGES

CITIBANK Travel Card

 

Citi Premier Miles Credit Card

  • Complimentary Airport Lounge access in India at participating lounges with host of benefits such as meals, beverages Wi-Fi access and more.
  • Upto Rs.1 crore of Air Accident Insurance.
  • Lost Card Liability of Rs.2 Lakhs.
  • Around the year offers on Dining, Shopping, travelling.
  • Exclusive for Citibank card members The Citi World privileges that brings wide range of offers from Hotels, Spas, Golf Clubs, Entertainment etc. Log on to www.citibankworldprivileges.com
  • Get loan, EMI and Easy payment options.

 

CITIBANK Shopping Cards And Fuel Cards

  • Exclusive Concierge service at your doorstep right from party planning, sending flowers dining reservation or travel assistance through one call.
  • Upto 20% off at more than 2000 participating restaurants including Spaghetti, Costa Coffee, Pizza Hut, Food Panda etc.
  • Shopping offers at participating stores around you.
  • EMI options available at more than 2000 electronic and mobile phone stores and e-retailers.

CITIBANK Cashback Card

  • Upto 20% off at more than 2000 participating restaurants including Spaghetti, Costa Coffee, Pizza Hut, Food Panda etc.
  • Shopping offers at participating stores around you.
  • EMI options available at more than 2000 electronic and mobile phone stores and e-retailers.

CITIBANK Lifestyle Cards

Citibank Prestige Card

  • Get overseas medical insurance of up to USD 50000
  • Get Air accident Insurance of Rs.5 Crores
  • Get Fraud liability coverage of Rs.3 lakhs on fraudulent transactions done 96 hours prior and 48 hours post reporting of loss or theft.
  • Get urgent card replacement and emergency cash at your location in case of loss or theft by reporting at our Citi Prestige service line.

Common FAQs

Can Citi Credit Cards used internationally?
 

Citibank India offers Credit cards which can be used internationally, that is it can be used in India and abroad. Credit Cards however cannot be used to make foreign currency transactions in Nepal and Bhutan. 
There are also domestic only cards available with Citibank which can only be used in India and at Indian web portals like the 'Citibank Rewards Domestic Card'
 

Can I check outstanding and available balance on my card?
 

Credit card outstanding and available balance can be checked online and via SMS.

What is a joining fee and membership fee?
 

Joining fee is applicable on some Credit cards and is levied on successfully issued cards in the first statement after the individuals apply for a Citibank Credit card
Annual fee is charged on completion of one year as a renewal fee for card membership.

What is the validity period of cards?
 

The credit cards are valid for 3 years. This is also applicable for Citibank add-on credit card. Post 3 years both cards are dispatched in the month prior to card expiry. This is at sole discretion of the bank whatsoever. The card would bear the same number with a different CVV number.

Can I get a photo card?
 

The credit cards are also offered as photo card. This can be availed by downloading the requisite form available on the website. Once the duly filled form reaches the Chennai mailroom, the card is sent within 6 working days.

Can I request for a credit limit enhancement? 
 

If a Credit card is eligible for limit enhancement an automatic mail would be sent to online mailbox. Otherwise the member may send across his/her IT return or salary slips/form 16 to Chennai mail-room, to apply for a Citibank Credit Card limit enhancement.

How can I redeem rewards point?
 

Rewards points accumulated on any Credit card offered by Citibank and redeemable at partner outlets, for gift vouchers, against fuel, against air miles, cashback or online shopping outlets. To know about the eligibility criteria for your credit card contact customer service support.

Can I avail loan on card?
 

Citibank credit cards offers loan on call against credit limit of the card. Loan can be at times be over and above the credit limit. For any loan assistance the card holder may contact Citi phone. Rates of interest on loans are charged on reducing balance method. Interest rates vary on different cards. Once the loan is approved the draft reaches the customer within 3working days of the request.

Can I convert my purchases into EMI?
 

Transactions above ₹.2500 can be converted into installments through 'Dial an EMI' offer. However any gold, bullion, gold mutual funds transactions are restricted to be converted into EMI. The holder of any Credit card from Citibank may convert the purchases into EMI online or by contacting Citibank customer service support.

Does Citi bank credit cards offer utility payment facility?
 

Cardholders may request for bill payment facility online by logging into their account. They need to register for new billers. Once the biller confirms and approves the request it would be confirmed to the cardholders. Currently Citibank credit cards offer to register for electricity, mobile, telephone, mutual funds, donations, DTH, gas and water bill. Cardholders may access their online portals to add or delete billers whenever they want to. 

How do I enable my online banking service?
 

Citibank offers hassle free banking. All your credit card related information is available to you at your finger tip. All you need to do is register and generate ID and a password online and enjoy easy access to your account.
All products linked to the same ID shall be available for your use on the same ID.

Can I close my credit card account and reactivate in future?
 

A credit Card can be closed by placing a request on Citi priority service number or writing to the Chennai mailroom.
Citibank credit Cards can be reactivated by sending a written request along with a photo and valid identity proof. After verification of the same the bank would decide to reactivate the credit card depending upon the internal policies. 

Apply for Citibank Credit Card

Applying for a Citibank Credit Card can be done in various ways like online or by visiting the branch or through a 24*7 phone service. The formalities for Citibank Credit Cards eligibility and Citibank Credit Cards documentation have to be completed.

  • Apply for Citibank Credit Card online

The customer can apply online for a Citibank Credit Card through Paisabazaar.com website.

For this you need to visit the bank’s website - www.citibank.co.in. Here in the website click on ‘Cards’ tab and then choose ‘credit cards’. Choose the card you want to apply for and then click on the ‘Apply Online Tab’ and provide the necessary details. Once the necessary analysis is done, the bank shall issue the card.

By this method, the customer need not waste time on useless formalities and procedures to avail a credit card. One can simply log in to the website of the bank, click on the relevant tabs, provide the necessary details, complete the necessary documentation and the credit card will be granted.

The necessary information includes the personal details of the applicant like name, age income, occupation, etc. This is required to enable the bank to use these details to match with the eligibility criteria laid down by the bank in order to apply for particular cards. If the profile of the applicant is found suitable and it fulfills the eligibility criteria, then the applicant is required to submit the necessary documents as mentioned. After successful verification of the submitted documents and after making sure that the candidate fulfills all the necessary criteria, the card is issued.

  • Applying via a branch

If the customer is not comfortable applying online, he or she may visit the nearest Citibank branch, fill up the application form and apply for Citibank credit cards. The nearest branch can be located through the bank’s website by entering your own location like state, city and area.

  • Applying through Phone

The bank provides the facility of phone banking which is available 24*7. The phone numbers are location specific and can be seen on the bank’s website.

  • Application Status -If you as a customer want to know about the present status of your credit card application, you can make use of the facilities provided by the bank. Either you can simply visit the bank’s website and check the status online or you can send a SMS with and the 11 digit reference number written in it to 52484. Once you are done with it, you will receive another SMS from the bank showing your current status. You can also contact the 24  hour Citibank phone helpline to know the status of your card.
  • Credit card statement – the bank sends the Citibank credit cards statement to the customer via an email every billing cycle which contains the list of transactions carried out per cycle and the amount required to be paid to the bank to settle the credit card debt. The statement is sent every month free of cost. In case the customer does not receive the statement, he or she can log into the bank’s website and check the statement by entering their credit card details or call at the bank’s phone helpline number and request for a statement.
  • Online payment – The credit card bills can be paid online using the net banking facility provided by Citybank. There is also an Epay feature offered by the bank for bill payments. To use this feature, customer needs to log in to the bank’s website, click on the EPay option and then enter the card details along with the amount to be paid.  Issuing standing instructions is also one option for paying credit card bills. Doing this shall automatically pay their bills as and when they fall due using their account. 
  • Other Payment methods – the customer can pay the credit card bills by drawing a cheque or a draft and depositing it in the branch. The turn-around time for realization of the amount is 7 working days. The customer can also pay the bills via ATMs for which the turn-around time for cheques is 7 working days and for cash is 2 working days. ECS facility can also be used if the customer holds an account in another bank for which the turn-around time is 2 working days.
  • Customer care – the bank has a systematic approach to deal with customer queries. One can call, write, email or message the bank with his or her queries and their problems will be solved within 10 working days.
Citi Bank Credit Card
(4.4/5 ) 5 Reviews
Credit CardCredit Card
5/5

Awesome

Male Profile Pic
Posted on: Mar 3 , 2017
Credit CardCredit Card
5/5

awesome

Male Profile Pic
Posted on: Mar 2 , 2017
Credit CardCredit Card
4/5

Good Card

I applied for Citi Bank Rewards credit card a week ago and my card was eligible for instant approval. This card also has various benefits including annual fee waive off 2nd year onwards. I am very delighted to know that I can save up to 20% on almost..Read more...

Male Profile Pic
Posted on: Jan 10 , 2017
Credit CardCredit Card
4/5

Very good credit card for daily spends

I am using Citi Bank Rewards Credit Card since last 1 year. My card has great benefits on shopping from any departmental store and on dining bills. Citi Bank has very good customer service I must say. Everytime, I wrote to Citi for any queries relate..Read more...

Male Profile Pic
Posted on: Jan 10 , 2017
Credit CardCredit Card
4/5

Very happy

I own a CITI bank Premier Miles Credit Card. My card has great benefits like Rs 3000 voucher, fuel surcharge, 1000 miles on first spend of Rs 1000, 20% savings on most of my dining bills and many more. I am able to save a lot on my daily expenses and..Read more...

Male Profile Pic
Posted on: Jan 6 , 2017
Get Free Credit Report