Citibank Credit Card

Best Citibank Credit Cards in India for 2021

Citibank Credit Card Features and Benefits

Citibank offers a 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 and spending preferences.

You can apply for Citibank Credit Card online through Paisabazaar.com. Click here to check your eligibility and chances of approval for Citi credit cards.

Citi Rewards Credit Card

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

Rewards Points- You will earn 10 Reward Points for every Rs. 125 spent at apparel and department stores. Earn 4 additional points on spends at Myntra, Flipkart and Amazon India. (Offer valid from 15th Feb 2021 to 15th Aug 2021)

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

Redeem Rewards for Air Miles- Redeem rewards with select airlines under Frequent Flyer Membership

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

Should you get this card?

Citibank Rewards Credit Card would be a good option for you if:

• You put most of your expenses on credit cards
• You would like to accumulate reward points and redeem them for vouchers and merchandise
• You will be able to spend Rs. 30,000 or more in a year to waive off the annual fee

Though Citi Rewards Credit Card is a good card for earning rewards, it offers the only benefit. If you would like to avail benefits across other categories such as travel or entertainment, you should look for other options as well.

Also Read: Citi Bank Rewards Credit Card Full Review (Updated)

Citi PremierMiles® Credit Card

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. Earn 4 additional miles on spends at Myntra, Flipkart and Amazon India (Offer valid from 15th Feb 2021 to 15th Aug 2021)

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

Should you get this card?

Citi PremierMiles Credit Card is quite popular in the market because of relatively easier eligibility criteria. You should consider getting the card if:

• You are a frequent domestic traveller
• You would like to earn miles instead of rewards or cashback
• You would also be able to use the card for other expenses to accumulate more air miles

However, if you are looking for a card that offers benefits across multiple categories in addition to travel, this card may not be the right choice for you.

Read full Citi PremierMiles Credit Card Review

IndianOil Citi® Platinum Credit Card

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

Should you get this card?

IndianOil Citi® Platinum Credit Card is one of the best fuel credit cards in India. You should get this card if:

• You want to save more on your fuel expenses
• You wish to get rewarded every time you spend on fuel
• You are not looking for benefits across any other category

Full Review by Paisabazaar: Citibank IndianOil Credit Card

Citi® Cash Back Credit Card

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

Should you get this card?

Citi Cashback Credit Card is a beginner level card that has maximum features of cashback. With cashback on almost all your transactions, this card is well-suited for those who are:

• Looking for their first credit card and want to build their credit score
• Looking for a low annual fee credit card
• Seeking cashback instead of Reward Points

Read More: Citi Cashback Credit Card Review (Updated)

Paytm First Citi Card

Note: This card is not available on Paisabazaar.com. The content on this page is for information only.

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 of discounts and offers on using Reliance Digital and BigBasket

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

Should you get this card?

This co-branded credit card launched in collaboration with Citibank and Paytm offers benefits to regular Paytm users. You should consider getting this card if:

• You route most of your purchases through Paytm
• You would like to get cashback on all your purchases which you can use on Paytm
• You frequently go to the movies and would like to save

Citi Prestige Credit Card

Note: This card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit the Citibank website.

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

Should you get this card?

Citi Prestige Credit Card is a super-premium credit card. You should consider getting this card if:

• You are ready to pay a very high annual fee for premium privileges
• You would like to get benefits on travel and hotel
• You are a frequent traveller and want to avail yourself complimentary lounge access

Citi Prestige Credit Card Review

Read More on this Page

Common Features of Citibank Credit Cards

Extensive Rewards: Benefits of the Citibank card include the ability to earn rewards on purchases. Reward points can be earned in different categories such as fashion, travel, groceries, lifestyle, restaurants, and more.

Savings on Fuel Transactions: There are special Citibank credit cards that allow you to earn turbo points on your fuel expenditures. When you use a Citibank credit card at Indian Oil stores around the country, you can also get a fuel surcharge waiver.

Contactless Payments: Citi credit cards come with a contactless function that makes paying for goods at terminals a breeze. If your bill is less than Rs. 5,000, you can pay it with a simple tap of your card. It is a safe, secure, and quick method of making offline purchases.

Accepted Internationally: The Citibank credit card’s global acceptance is one of its greatest features. This makes cashless shopping efficient and simple throughout the world.

Citi Quick Cash: Citi Quick Cash is an exclusive instalment facility offered to select Citi Credit Cardholders, which may be within or above the credit line. It can be conveniently availed through Citibank Mobile App or Citibank Online. This feature allows you to request the cash from your available credit and convert it into monthly instalments.

Insurance Benefits: Citi Bank Credit Cardholders can enjoy insurance benefits including medical insurance and travel insurance.

Citibank Credit Card- Fees and Charges

Certain charges may vary from card to card. Please refer to the terms and conditions for card variants separately.
For other general terms and conditions related to Citibank Credit Cards, click here.

Citibank Credit Card Rewards Programme

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 is 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.

Eligibility Criteria and Documents Required for Citibank Credit Card

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.

Citibank Credit Card Apply Online

Here are the steps to apply for Citibank Credit Card online with Paisabazaar-

STEP 1- Click Here to start with your credit card application

STEP 2- Fill in the basic requirements like your name, address, date of birth, monthly income etc.

STEP 3- A list of banks offering suitable credit card options for you will be shown.

STEP 4- Select the option that suits your financial profile and then you can apply for that credit card. The bank will review your credit card application and then accordingly the application will proceed. Once your application is accepted, you will receive the credit card within a few working days.

Citibank Credit Card Customer Care

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

Citibank Credit Card FAQs

Which credit card is best in Citibank?

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. 

How to close a Citibank credit card?

To close your Citibank credit card, you can write an application with personal information like name, DOB, credit card number, and expiry date, and send it to Citibank N.A. Mail Room, Acropolis- 9th floor, New Door No. 148 (Old Number-68), Dr Radhakrishnan Salai, Mylapore, Chennai- 600004. You can also contact the Citibank Credit Card Customer Care helpline number 1860-210-2484 to register a closure request. 

How to pay Citibank credit card bill?

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.

How to activate a Citibank credit card?

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.

Which Citibank credit card is best for travel?

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. 

Which Citibank credit card has a low annual fee?

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. 

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 an 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:

• 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.

What is the validity period of cards?

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.

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, cashback or online shopping outlets. To know more about how to redeem Citibank card reward points, click here.

Can I avail loan on a 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 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.

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 the 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 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’

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 as the details provided match.

Can I close my credit card account and reactivate it 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 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.

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