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Citibank Credit Card Offers 2021

Home Credit Card CITIBANK Credit Card Offers
Updated: 14-06-2021 11:23:40 AM

In addition to the regular features and benefits, Citibank credit cards also provide a diverse range of offers. These offers can be in the form of discount, cashback and other deals on travel bookings, shopping, healthcare and so on. Please check the table below for more details on Citibank credit card offers.

Top Citibank Credit Card Offers 2021

Top offers running on Citibank credit cards are:

CategoryOffer DetailsCodeValidity
Online Food DeliveryZomato up to 50% off + free delivery on min. order of Rs. 300STAYHOME30th June 2021
Swiggy 15% off on min. order of Rs. 1,000CITIFOODIE27th June 2021
ShoppingAjio Gold 50% + 15% Extra Off; on minimum purchase of Rs. 2,000**AJIOCITI1531 Aug 2021
US Polo Flat Rs. 1,000 off on minimum transaction of Rs. 7,000**CTUS1k30 Jun 2021
Bata Flat 15% savings on minimum transaction of Rs. 1,299**BATACITY1530 Jun 2021

**not applicable on Citi Corporate credit cards

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Citibank Credit Card Offers on Online Food Delivery
Citibank Credit Card Offers on Shopping
Citibank Credit Card EMI Facility

Citibank Credit Card Offers on Online Food Delivery

Citibank has partnered with pioneer food delivery companies to offer you discounts on food orders as you stay home. Currently, you can get the following offers on your Citi credit card:

ProviderOffer DetailsValidity
Swiggy15% instant saving (up to Rs. 400) on a min. order of Rs. 1,000; available on Swiggy app & website; (Sat-Sun only)
Offer not valid on Citi Corporate credit cards		27th June 2021
Zomato up to 50% off on a min. order of Rs. 300; offer valid on all days30th June 2021

You can visit the Citibank website to know if your favourite local restaurant has partnered with Citibank to offer discounts.

Citibank Credit Card Offers on Shopping

As a Citibank credit cardholder, you can also get offers and privileges on shopping at select retail or online stores. Currently, you can avail of the following offers:

ProviderOffer DetailsCodeValidity
Ajio Gold50% Off + extra Rs. 2,000 savings on min. transaction of Rs. 5,000AGCITI30 Jun 2021
Wonderchef20% off; on purchase via Wonderchef websiteWCCITI2030 JUN 2021

Citibank Credit Card EMI Facility

Citibank also gives you the option to convert big-ticket purchases into EMIs. You may apply for any one of the following EMI options.

No-cost EMI | Post Purchase EMI Conversion | Instant EMI

No Cost EMI – As the name suggests, this option allows you to purchase an item and then pay for it over an extended period without incurring an interest rate. Tenure for such no-cost EMIs can vary as per the product and the time of purchase. Online shopping websites like Amazon offer this option for Citibank credit card users. It is advised to check the merchant website for the latest updates as they can change anytime.

Instant EMI – If you convert a purchase into EMI at the time of payment then you have opted for Instant EMI. You will incur interest on this EMI. Typically the tenure ranges from 3 to 12 months. However, you might get a higher tenure option as well which will result in a higher interest payout. Citibank is currently running EMI Offers in collaboration with the following merchants:

Merchant Category Tenure (in months)
AmazonOnline Shopping3, 6, 9, 12, 18 & 24
FlipkartOnline Shopping3, 6, 9, 12, 18 & 24
MakeMyTripTravel3, 6, 9 & 12
GoibiboTravel3 & 6
Vijay SalesElectronics3, 6, 9 & 12

Note: The aforementioned list is not exclusive. Offers are subject to change.

Post Purchase EMI Conversion – It is applied when you choose to convert a purchase into EMI after billing, i.e. after you’ve paid via your credit card. This option can be availed if you are finding yourself unable to pay the entire credit card bill as a lump sum.

Citibank currently provides two options as follows:

  • Option 1: Citi FlexiBill
Citi FlexiBill EMI Conversion Option
Minimum PurchaseRs. 2,501
Maximum PurchaseRs. 6.5 lakh
Tenure (in months)6, 12, 24, 36 & 48
ChargesOne-time fee of 2.5% of loan amount or Rs. 300 (+GST)

 

Features
  • No lock-in period; can be pre-closed anytime
  • Prepayment charges – 3% on unpaid principal (+ taxes)
  • No paperwork involved; completely online process
  • Option 2: Citi PayLite
Citi PayLite EMI Conversion Option
Minimum PurchaseRs. 2,501
Maximum PurchaseNA
Tenure3, 6, 12 & 24
ChargesOne-time fee of 2.5% of loan amount or Rs. 200 (+GST)
Features
  • No lock-in period; can be pre-closed anytime
  • Prepayment charges – 3% on unpaid principal (+ taxes)

Important points regarding Post-Purchase EMI Conversion:

  • Applicable only before the due date
  • Not valid on gold purchases
  • EMIs will block the purchase amount on your credit limit
  • The interest rate on post-purchase conversion can be higher than instant EMI

For Citibank Credit Card Terms and Conditions, refer to this link.

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