Citibank Credit Card

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 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.

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 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 Citibank 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 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.