Citibank Credit Card

Citibank offers wide range of credit cards like Citi Rewards, Citi PremierMiles, IndianOil Platinum, Citi Cashback, Paytm First Citi and Citi Prestige. We have mentioned the features of these credit cards in detail so you can make the right decision based on your financial needs.

Best suited for:  Rewards 

Key Highlights

Welcome Benefits- As a welcome bonus, you will get 1,500 points on your first transaction done within 30 days of card issue

Rewards Points- You will earn 10 Reward Points for every Rs. 125 spent at apparel and department stores

Bonus Rewards- 300 bonus points on card spends of Rs. 30,000 or more in a month

Redeem Rewards for Air Miles- Redeem rewards on Air India and Jet Airways under the Frequent Flyer Membership

Dining Benefits- Individuals who love to try new restaurants can enjoy up to 15% savings across participating restaurants

Want to know more about Citi Rewards Card? Click here

Similar Credit Cards: HDFC Regalia | American Express Membership Rewards

Apply Now and Check Eligibility

Best suited for: Travel

Key Highlights

Welcome Benefits- You will get 10,000 Miles on spending Rs. 1,000 within the first 60 days of card issuance

Air Mile Earnings- 10 Miles on every Rs. 100 spent on flight tickets and hotel stays on bookings

Redeem Miles for Flight Booking- Redeem miles for flight tickets at www.premiermiles.co.in

Lounge Access- Frequent flyers can enjoy complimentary access at key airport lounges across India

Dining Discount- Up to 15% savings on dining at participating restaurants

Want to know more about Citi PremierMiles credit card? Click here

Similar Credit Cards: Axis Vistara | RBL World Safari

Apply Now and Check Eligibility

Best suited for: Fuel

Key Highlights

Welcome Benefit- Turbo Points worth Rs. 250 as activation benefit

Fuel Benefits– Up to 71 litres of free* fuel annually by redeeming turbo points

Turbo Points– 4 Turbo Points on Rs. 150 spent on fuel at authorized IndianOil outlets

Fuel Surcharge Waiver– Complete waiver of 1% fuel surcharge at authorized IndianOil outlets

Dining Benefits– Up to 15% savings on dining across participating restaurants

Want to know more about IndianOil Citi credit card? Click here

Similar Credit Cards: HDFC IndianOil | Standard Chartered Titanium

Apply Now and Check Eligibility

Best suited for: Cashback

Key Highlights

Cashback- 5% cashback on movie ticket purchases, telephone bill payment and all types of utility bill payments

Cashback credited automatically- Cashback of Rs. 500 is automatically credited to the statement

Shopping Offers- Savings and offers on shopping across 100 plus stores

Dining Benefits- Up to 15% off on dining across 2,000 partnered restaurant

Want to know more about Citi Cashback credit card? Click here

Similar Credit Cards: SBI SimplySave | HSBC Cashback

Apply Now and Check Eligibility

Best suited for: Shopping 

Key Highlights

Cashback- Earn cashback on your Paytm Wallet and on booking movie tickets

Entertainment Benefits- With Paytm First Citi Card, you can stream unlimited movies and TV shows on Sony Liv for 12 months

Lifestyle Benefits – You can avail discounts and offers on using Reliance Digital and BigBasket

Dining Benefits- The card comes with Zomato Gold Membership of Rs.750

Want to know more about Paytm First Citi credit card? Click here

Similar Credit Cards: ICICI Amazon Pay | Axis Flipkart

Paytm First Citi Card is not available on Paisabazaar’s Platform. To apply for this card, kindly contact the bank officials.

Best suited for:  Travel

Key Highlights

Air Miles- Earn 10,000 bonus air miles with Citi Prestige credit card

Golf Benefits- Golf lovers can enjoy 4 complimentary golf rounds at over 15 golf clubs within India

Airport Lounge Access – Frequent travellers can enjoy airport lounge access at over 800 airports for primary as well as add-on card members

Want to know more about Citi Prestige credit card? Click here

Similar Credit Cards: SBI Card Elite | HDFC Diners Club Black

Citi Prestige Card is not available at Paisabazaar’s Platform. To apply for this card, kindly contact the bank officials.

When you make purchases using your Citibank Credit Card, you will earn reward points which can be later redeemed against gift vouchers, branded merchandise, etc.  The table given below shows reward points offered on different credit cards-

Rewards Redemption

After a specific number of reward points are accumulated, they can be redeemed against a host of options. You can visit the rewards catalogue of Citibank to choose from different reward redemption options such as books and entertainment, apparel, accessories, travel, hotels, dining, health, beauty and a lot more.

There are certain criteria that the bank looks into before accepting your credit card application. Your credit score, age, monthly income, location etc. are some of the parameters that you should keep in mind before you apply for a credit card.

To apply for Citi Bank credit cards, you should be in the age bracket of 23-60 years with a minimum monthly income of Rs.25,000.

Along with that, you will also need to submit a few documents which become the basis for the bank to decide whether you will be eligible for the card applied and also to determine the credit limit on your card.

Below are some of the steps that you can take to apply for Citibank credit card:

Step 1- Click Here to start with the credit card application.
Step 2- You will have to enter some basic details like monthly income, occupation, mobile number and the city you reside in. Once you fill all the details, you will see a list of credit cards.
Step 3- Choose the Citibank credit card that suits your financial circumstance. Check your eligibility for this card by providing some more details.
Step 4-  If you meet all the eligibility requirements, you can go forward with the process of completing the application along with the mentioned documents. The bank will do a background check and once your application is approved, the bank representative will contact you shortly.

Please note that some credit cards may not be available on Paisabazaar’s platform. If there is a particular card you are looking for and is not mentioned on the list, you can apply for the same by visiting the nearest bank branch or by applying on the bank’s website.

You can reach out to Citibank Credit Card Customer Care on this number- 1860 210 2484. Note that local call charges may apply on this number.

The customer care will help you with the below mentioned services:

• For getting the status of credit card application.
• For resolving any queries about credit card monthly statement.
• For solving problems related to credit card bill payment.

You can also reach the customer care department by writing an email, letter or by directly visiting the nearest Citibank branch.

I want to apply for a Citibank credit card. Which one is the best?

Citibank offers variety of credit cards that are best suited for shopping, travel and reward points. Citi Rewards, Citi Cashback and Citi Premiermiles are some of the popular credit cards offered by the bank. However, before applying for a credit card, it is advisable that you compare other credit cards from other banks based on your financial requirements.

Can Citi Credit Cards be 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 like the ‘Citibank Rewards Domestic Card’ which can only be used in India and at Indian web portals.

Can I check the outstanding and available balance on my card?
Credit card outstanding and available balance can be checked online and via SMS.

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 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 returns or salary slips/form 16 to Chennai mail-room, to apply for a Citibank Credit Card limit enhancement.

How can I redeem Citibank credit card reward points?
Rewards points accumulated on any Credit card offered by Citibank are redeemable at partner outlets against fuel, gift vouchers, air miles, cash back or at online shopping outlets. To know more about how to redeem Citibank card reward points, click here.

Can I avail loan on card?
Citibank credit cards offer loan against the credit limit of the card. The loan can be at times over and above the credit limit. For any loan assistance, the cardholder may contact Citi phone. Interest rates vary on different cards. Once the loan is approved the draft reaches the customer within three working days of the request.

Can I convert my purchases into EMI?
Transactions above Rs.2,500 can be converted into instalments 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 a 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 fingertip. 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.