Citibank Credit Card

Credit Card	Joining Fee	Annual Fee	Key Features
Citibank® Rewards Card	Rs. 1,000*	Rs. 1,000*	Get 1,500 bonus points on your first spend made within 30 days of card issue.
Citi PremierMiles® Credit Card	Rs. 3,000	Rs. 3,000	10,000 Miles with your first spend of Rs.1,000 or more on your Citi PremierMiles Card within 60 days of Card issuance
IndianOil Citi® Platinum Credit Card	Rs. 1,000*	Rs. 1,000*	Earn up to 71 litres of Free Fuel 4X Turbo Points on Fuel Purchases 2X Turbo Points on Grocery Purchases
Citi® Cash Back Credit Card	Rs. 500	Rs. 500	Get 5% Cash Back on Movie ticket purchases, telephone bill payments, utility bill payments

*Waived off on spending at least Rs. 30,000 p.a.

Citibank Rewards Domestic Credit Card

Note: This card is not available on Paisabazaar.com. Kindly visit Citibank website to apply.

This credit card by Citibank allows you to make the most of your purchases in India. This card comes with an annual fee of Rs. 1,000 which will be waived off on spending Rs. 30,000 or more in the membership year. Earn excellent rewards on all your shopping trips and get exciting discounts on dining and entertainment. Redeem the reward points earned for superb merchandise from top brands, gift vouchers and more. Let’s talk about the top features of this credit card-

Welcome Benefit- Spend Rs. 1,000 within the first 60 days of card issuance and get 1,000 bonus reward points.

Rewards- Earn 1 Reward Point for every Rs. 125 spent on your credit card anywhere and everywhere. Accelerate your reward points 10 times when you use your card at apparel and department stores.

Attractive Redemption Options– Enjoy attractive redeeming options including holidays, premium merchandise. Reward points on this credit card never expire so utilize them whenever you want. You can also adjust your reward points for direct statement credit

Discount on Dining– Enjoy up to 15% savings across participating restaurants.

Avail EMI Facility- Convert your big-ticket purchases into easy EMIs and pay back easily

First Citizen Citi Credit Card

Note: This card is not available on Paisabazaar.com. Kindly visit Citibank website to apply.

If you are a shopaholic, First Citizen Citi Credit Card is best suited for your wallet. Get accelerated rewards at Shoppers Stop along with welcome benefits worth Rs.  2,050. Redeem your points easily against purchases made at Shoppers Stop. This card comes with an annual fee of Rs. 500 which is waived off when you shop for Rs. 30,000 or more in the membership year. Given below are a few features of this credit card-

Welcome Benefit- Get welcome benefits worth Rs. 2,050 in the form of gift vouchers from Shoppers Stop and Home Stop.

Benefits at Shoppers Stop- Earn 7 First Citizen Points per Rs. 100 spent at Shoppers Stop for private label brands and 5 points for every other brand. Enjoy complimentary parking at Shoppers Stop.

Redeem Rewards at Shoppers Stop- Avail the facility of instant redemption of First Citizen Points against purchases made at Shoppers Stop (1 Point = Re. 0.60).

Dining Discounts- Enjoy up to 15% discount at participating restaurants across the country.

Concierge Service- Get personal concierge services for party planning, sending flowers, hotel booking and more.

IndianOil Citi® Titanium Credit Card

Note: This card is not available on Paisabazaar.com. Kindly visit Citibank website to apply.

This is another fuel credit card by Citibank which can help you save more every time you refuel your vehicle. Launched in association with Indian Oil, this card lets you earn Turbo Points which can be redeemed against a host of gift vouchers and branded merchandise. The annual fee for this credit card is Rs. 1,000 which will be reversed if you spend Rs. 30,000 or more in the year of membership. Here are a few features of this credit card-

Welcome Benefit- Get activation benefits worth Rs. 250 (limited period offer).

Free Fuel- Get yearly free fuel earnings up to 71 litres.

Earn Turbo Points– Get 1 Turbo Point for every Rs. 150 spent on shopping and dining. Earn 2X Turbo Points when using your credit card for grocery and supermarket purchases

Extra Rewards on Fuel Purchases- Accelerate your Turbo Points 4 Times when buying fuel at authorized IndianOil Retail Outlets across the country.

Multiple Redemption Options- Redeem your points instantly at select merchant outlets and online stores.

Citi Prestige Card

Note: This card is not available on Paisabazaar.com. Kindly visit Citibank website to apply.

Experience prime services and a whole range of exclusivity with Citi Prestige Card. Make the most of all your purchases and travels and at the same time earn huge rewards. The annual membership fee for this credit card is Rs. 20,000 and is complimentary for Citigold Private Client customers. Some exclusive benefits of this credit card are given below-

Premium Memberships- Be a part of Taj Epicure Plus Plan and also get InnerCircle Silver membership.

Golf Benefit– Get complimentary access at some of the most picturesque golf destinations at select courses globally.

Rewards- Earn 1 Reward Point for every Rs. 100 spent in India and earn 2 points for overseas purchases. Redeem your Reward Points for gift vouchers from some leading brands.

Convert Rewards into Air Miles- Convert your Reward Points to the loyalty program of leading airlines (1 Reward Points = 4 Frequent Flyer Miles). Also, get hotel stays and car rentals against your reward points.

Insurance- Get Air Accident Insurance of Rs. 5 crore and lost card liability cover of Rs. 3 lakh. With Citi Prestige Card, you also get overseas medical insurance of USD 50,000.

Citibank Corporate Card

Note: This card is not available on Paisabazaar.com. Kindly visit Citibank website to apply.

Organizations also need a perfect spend management tool and Citibank Corporate Card is perfect for streamlining corporate expenses. Enjoy greater convenience of spending along with more savings. Get the benefits of online spend management tool and process automation. Listed below are a few benefits of being Citibank’s Corporate Card Member-

Spend Management- Get access to online spend management tool and enjoy enhanced visibility and control over your corporate expenses.

Dedicated Customer Service– Enjoy excellent service setup with dedicated relationship managers and service helpdesks.

Rewards- Reward points you earn with your purchases will never expire.

Business Discounts- Get exclusive discounts on a host of business products including travel, hotel booking, restaurants and more

Dining Benefit- Save up to 15% on exclusive dining at select restaurants across the country

International Usage- Get easy access to foreign currency when travelling abroad

Round the Clock Assistance-Travel with confidence through Citibank Priority Assistance services on phone 24×7.

To be eligible for Citi Bank credit cards, an applicant should meet the following requirements-

• He/She should be at least 23 years old.
• He/She should not be more than 60 years old.
• He/She should be salaried or self-employed.
• He/She should have a monthly income of at least Rs. 25,000.

Applicants also need to submit a few documents which become the basis for the bank to decide whether the person is eligible for the card applied and also to determine the credit limit on his card. These documents include identity proof, address proof and proof of income. Given below is the list of accepted documents-

Proof of Identity	PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI
Proof of Address	Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement
Proof of Income	Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement

Citibank credit cards are one of the most preferred cards for people who love to shop and travel. The cards come with great offers and deals which can be availed along with the Reward points. Below are some of the steps that you can take to apply for this credit card:

Step 1- Click Here to start with the credit card 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.

You can also apply for a Citibank credit card by visiting the nearest bank branch or by applying on their website.

To check the status of your credit card application, you can visit Citibank’s website. On the homepage, you will find the ‘Credit Cards’ tab under which there is an option of ‘Track Application Status’. Be ready with your Application Reference number and registered mobile number to know the status of your credit card application.

You can get the following results-

• In process- The bank is still reviewing your application
• On hold- Your application is on hold for missing document or lack of a critical information
• Dispatched- You application is approved and the card is ready. The bank has dispatched the same through a mail service
• Rejected- You application has been rejected by the bank due to lack of information or unsatisfactory credit situation
• No Record Found- You application has still not reached the bank’s system

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. Depending on the type of credit card and the transactions made, you can accumulate more points. The table given below shows reward points offered on different credit cards-

Citibank Credit Cards	Reward Points on All Spends	Reward Points on Special Categories
Citi Rewards Card	1 point /Rs. 125	10 points / Rs. 125 on Apparel, Departmental Stores & Featured partners
Citi PremierMiles Card	4 miles/Rs. 100	10 miles/Rs. 100 on Airline Spends & transactions with Featured Partners
IndianOil Citi Titanium & Platinum Card	1 point /Rs. 150	4 points / Rs. 150 on Fuel spends at IndianOil Outlets 2 points / Rs. 150 on Featured partners and Grocery Spends
First Citizen Citi Titanium Credit Card	1 point/Rs. 100	5 points/Rs. 100 at Shoppers Stop 7 points/ Rs. 100 when you shop at Shoppers Stop Exclusive Labels
Citi Prestige Credit Card	1 point/Rs. 100	2 points/Rs. 100 on International transactions
Citi Corporate Card	2 points/Rs.125	No Special Rewards

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.

Here are a few points you should note about Citibank Rewards Redemption-

• You can also convert your rewards into air miles if your credit card supports this facility.
• Points can also be redeemed for gift vouchers from branded stores.
• Redemption orders once placed cannot be cancelled.
• You can also check the status of redemption and dispatch status after 2 and 4 days of placing the order.
• Rewards can also be directly converted into statement credit.

A Citibank credit card user can resort to any of the methods given below to pay their credit card bills-

From Citibank Account

If you are paying from your Citibank account, you can either set standing instructions to pay off your bills automatically. Alternatively, you can also make the payment directly through net banking or mobile banking.

From Other Bank Account

If you want to make bill payment towards your Citibank Credit Card, you can do so by following any of the methods given below-

NEFT- You can make bill payment towards your Citibank Credit Card through NEFT. You just need to add your 16 digit credit card number in place of Account Number and the name printed on your credit card as the name of beneficiary. You also have to enter the IFS Code which you can find out on the bank’s website or by calling on their 24X7 helpline.

E-Pay- Citibank’s E-Pay lets you pay your Credit Card bills online through a different bank account. It usually takes two working days (excluding Saturdays & Sundays) to get the amount credited into your account.

Visa Money Transfer (VMT)- You can also use the Visa Money Transfer Option to pay your Citibank Credit Card bill from a different bank account. It takes two to four working days for the amount to be credited into your statement.

RTGS- Customers can also initiate payments through RTGS and the amount will be credited into their account by the end of the day.

ECS- Through the Electronic Clearance System (ECS) facility, you can pay your Citibank credit card bills. You are required to provide a mandate to Citibank authorising the transfer of funds from your account with another bank. Apart from these options, you can directly visit the Citibank Bill Desk and make the payment by logging into the online banking portal of your bank.

Cardholders 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.

By calling on this number, Citi cardholders can avail 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.

Users can also reach the customer care department by writing an email, letter or by directly visiting the nearest Citibank branch.

Can Citi 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 a joining fee and membership fee?
Joining fee is applicable on some Credit cards and is levied on successfully issued cards in the first statement after the individuals apply for a Citibank Credit card. Annual fee is charged on completion of one year as a renewal fee for card membership.

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 get a photo card?
The credit cards are also offered as photo card. This can be availed by downloading the requisite form available on the website. Once the duly filled form reaches the Chennai mailroom, the card is sent within 6 working days.

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 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 about the eligibility criteria for your credit card contact Citibank credit card customer support.

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.

Paytm launches a credit card in association with Citibank

15th May 2019 The Indian e-commerce giant Paytm, in collaboration with Citibank, has launched the Paytm First Card. The card will offer minimum 1% universal cash back on all transactions that will automatically be credited to user’s account every month. The annual fee of this card is Rs. 500 which will be waived if users spend Rs. 50,000 in a year.