Citibank Credit Card

Some of the popular credit cards offered by Citibank include Citibank Prestige Credit Card, Citibank Rewards Card and Citibank PremierMiles Credit Card. However, the best credit card depends on various factors like which type of credit card you need, whether you prefer rewards or cashback, your spending pattern, and how much you can spend in a month/ year.

Citibank credit cards come with a validity period of three years. The same holds for add-on cards as well. However, 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.

Citi PremierMiles Credit Card and Citi Prestige Credit Card are best known for their travel benefits. One can earn up to 10,000 miles, complimentary airport lounge access, golf access, and much more with these Citibank travel credit cards.

You can activate your Citi credit card via Citi mobile app. You need to log in to your mobile banking account and then click on the ‘Activate Card’ button. Now, enter your card information and 6-digit OTP to complete activation. You can also log in to your Citibank net banking account with your user id and password to do the same.

You can pay your Citibank credit card bill through various online and offline methods. To pay your bill online, you can use facilities like internet banking, mobile banking, billdesk and NEFT. You can pay your bill offline via cheque, demand draft or cash.

To know your outstanding balance and the available credit limit, type CARDBAL last 4 digits of your credit card number and send this SMS from the registered mobile number to 52484 or +91 9880752484. Alternatively, you can also check the outstanding balance or credit limit via Citi mobile app. Log in to the app and head over to the credit card section to see the total outstanding balance, minimum due amount and the due date.

To raise a request for increasing the credit limit on your Citibank credit card, send an email to retail.dox.india@citi.com. You need to attach relevant documents with the email that includes 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.

Yes, you can avail loan against your Citibank credit card according to 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. Once the loan application is approved, you will get the required amount as a demand draft or through bank transfer.

Yes, the bank offers the facility of EMI conversion to its users. You can convert any transaction of Rs. 2,500 or above into EMI. However, the transaction must be below Rs. 1.5 lakh to avail this facility. You can convert the amount into EMI by contacting the customer care centre or via net banking.

Yes, you can automate bill payments, especially utility bill payments on your credit card. You can avail this facility through Citibank net banking portal. Simply register to the portal, and select ‘Bill Pay’. After this, click on the ‘Register New Biller’ option, enter the details and choose the mode of payment, i.e., Autopay.

Yes, you can link your Citibank credit card to your Citibank account. To do this, follow these steps: login to Citibank net banking portal and select ‘Banking’. Under this, 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. After completing all the steps, your credit card will be linked to your account within two working days as long as the details provided match.

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, the executive will ask you a few questions to verify your identity as well as the reason for the closure. Upon successful verification, your 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.