Citibank Credit Card

*Fees and charges may vary for certain credit card variants. Refer to the card-specific charges before applying

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.

To be eligible for Citibank Credit Cards, you should have a good credit score (above 750) and meet the basic eligibility criteria set by the bank as shown below.

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

Step 1- Click Here to start with Citibank credit card online 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.

Citibank Credit Card Customer Care Number is 1860 210 2484. Note that local call charges may apply on this number.

The customer care will help you with the following 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 will best suit me?
Citibank credit cards are primarily grouped under Travel, Fuel, Shopping, Lifestyle and Cashback categories. Before choosing a credit card, you should figure out what your spending patterns are. If you travel by your own conveyance then perhaps a fuel card will best suit your needs. However, if you like shopping then a card that rewards you for shopping will be the best option for you.

Can I turn off the international usage on my Citibank Credit Card?
Yes, you can turn off international usage on your Citibank credit card. You can block international usage via Netbanking.

How can I check the outstanding amount and available credit on my Citibank credit card?
To know the outstanding balance and the available credit limit on your account SMS CARDBAL<space>Last 4 digits of your credit card number. Send this SMS from the registered mobile number to 52484 or +91 9880752484.

Alternatively, you can know the details via the Citi Mobile App. The steps are:

• Login to the app
• Head over to Credit Card section

You can now see the total outstanding balance, minimum due amount and the due date.

What is the validity period of cards?
Citibank credit cards come with a validity period of three years. The same holds true for add-on cards as well. The bank will dispatch a replacement card before the validity of the card runs out. The replacement credit card will be dispatched to your registered address a couple of months before expiry.

How can I increase the credit limit on my Citibank credit card?
To raise a request for increasing the credit limit on your Citibank credit card send an email to retail.dox.india@citi.com. Attach any one of these documents. IT returns, salary slips or form 16. If you are pre-approved for a limit enhancement then Citibank will get in touch with you for the same.

How can I redeem Citibank 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 Citibank credit card?
Citibank credit cards offer loans against the credit limit of your card. You may even be eligible for loans above the credit limit. For assistance, you may contact Citibank credit card customer care centre. The interest rates offered vary from case to case. Once the loan application is approved you can get the required amount as a demand draft or bank transfer depending on what the bank sees fit.

Can I convert my purchases into EMI?
Yes, you may convert transactions above Rs. 2,500 but below Rs. 1.5 Lakh into EMI. You can convert the amount into EMI by contacting customer care centre or via Netbanking. The steps for the same can be found here.

Can I automate payments on Citibank credit card?
Yes, you can automate bill payments, especially utility bill payments. Simply register to use this facility, the steps are:

• Login to Citibank Netbanking portal
• Select ‘Bill Pay’ on the left hand side under Banking or Credit Card tab
• Click on ‘Register new biller’ option and enter the details
• Choose the mode of payment; Auto pay, Confirm & Pay or One-time Payment
• Select the card to be debited and click on ‘Proceed’
• Provide other required details and click on ‘Register’

Can I link My Citibank credit card to my Citibank account?
Yes, you can link your Citibank credit card to your Citibank account. To do this follow the below-given steps:

• Login to Citibank Netbanking portal
• Select ‘Banking’ / Credit card
• Select ‘Other Services and Queries’ present on the left navigation panel
• Click on ‘Link my accounts’ and follow the on-screen instructions to successfully link your account

Your credit card will be linked to your account within two working days as long the details provided match.

Can I close my credit card account and reactivate in future?
Yes, you can close and then reactivate your Citibank credit card account. To close the card account, first pay off all the dues. Then call the Citibank credit card customer care number 1860 210 2484. The executive will ask you a few questions to verify your identity as well as the reason for closure. Upon successful verification, you account will be closed.

To reactivate the account send an email to retail.dox.india@citi.com mentioning the request, enclose an identity proof along with a passport size photograph. The bank will then review the application and upon qualification reactivate the account.