Citibank Credit Card

Citibank Prestige Credit Card, Citibank Rewards Card, Citibank PremierMiles Credit Card are some of the most popular credit cards in the market. However, their suitability 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 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.

Citibank credit cards come with a validity period of three years. The same holds 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.

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.

To activate your Citibank credit card on the Citi Mobile App, you need to log in to your mobile banking account and then click the ‘Activate Card’ button. Now, enter your card information and enter the 6-digit OTP to complete activation. You can also log in to Citibank Netbanking account with your User-ID and password, and select ‘Services/My Profile. Click on the ‘Card Activation’ button and confirm. Also Read: How to Activate Citi Credit Card

You can pay your Citibank credit card bill through various online and offline methods. Internet banking, mobile banking, billdesk, NEFT, and RTGS are some of the popular modes of Credit Card bill payment. Click Here to read in detail.

If you are looking for a Citi bank credit card with a low annual fee, you can pick Citibank Cashback Credit Card. It comes with an annual fee of Rs. 500 only. The benefits and cashback that this card offers compensate for the low annual fee.

To know an outstanding balance and the available credit limit on your account SMS CARDBALLast 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: Log in to the app. Head over to the Credit Card section. You can now 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. 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.

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 to 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.

Rewards points accumulated on any Credit card offered by Citibank are redeemable at partner outlets against fuel, gift vouchers, air miles, cashback or online shopping outlets.

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 the customer care centre or via netbanking.

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 the Banking or Credit Card tab Click on the ‘Register new biller’ option and enter the details Choose the mode of payment; Autopay, Confirm & Pay or One-time Payment Select the card to be debited and click on ‘Proceed’ Provide other required details and click on ‘Register’

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 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 1860 210 2484. 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.