Citibank Credit Card

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

Features and benefits of top Citibank credit cards are as follows:

Best suited for:  Shopping  Rewards  Dining  

Key Highlights

Welcome Benefits- 1,500 bonus points on first spend done within 30 days of card issue

Rewards- 10 Reward Points for every Rs. 125 spent at apparel and department stores and with select partners

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

Redeem Rewards for Air Miles- Redeem rewards on Air India and Jet Airways under the Frequent Flyer Membership (1 Reward Point= 0.75 Air Miles)

Dining Benefits- Up to 15% savings across participating restaurants

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Best suited for: Hotel  Travel  Lounge Access 

Key Highlights

Welcome Benefits- 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 made at Premier Miles Official Website

Redeem Miles for Flight Booking- Redeem miles for flight tickets at www.premiermiles.co.in

Lounge Access- Complimentary access at key airport lounges across India

Dining Discount- Up to 15% savings on dining at participating restaurants
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Best suited for:  Dining  Fuel  Rewards

Key Highlights

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
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Best suited for:  Shopping  Dining  Cashback

Key Highlights

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
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Citibank Rewards Domestic Credit Card

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

Welcome Benefit- 1,000 bonus reward points on spending Rs. 1,000 within the first 60 days of card issuance

Rewards- 1 Reward Point for every Rs. 125 spent on the credit card and 10X reward points on shopping at apparel and department stores

Discount on Dining– Up to 15% savings on dining across participating restaurants

Avail EMI Facility- Convert 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.

Welcome Benefit- Welcome benefits worth Rs. 2,050 gift vouchers from Shoppers Stop and Home Stop

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

Redeem Rewards at Shoppers Stop- Instant redemption of First Citizen Points against purchases made at Shoppers Stop

Dining Discounts- Up to 15% discount at participating restaurants

IndianOil Citi® Titanium Credit Card

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

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

Free Fuel- Yearly free fuel earnings up to 71 litres

Earn Turbo Points– 1 Turbo Point for every Rs. 150 spent on shopping and dining. 2X Turbo Points for grocery and supermarket purchases

Extra Rewards on Fuel Purchases- Accelerated Turbo Points at 4X at IndianOil

Citi Prestige Card

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

Premium Memberships- Taj Epicure Plus Plan and InnerCircle Silver membership

Golf Benefit– Complimentary access to select golf destinations globally

Rewards- 1 Reward Point for every Rs. 100 spent in India and 2 points for overseas purchases

Convert Rewards into Air Miles- 1 Reward Points = 4 Frequent Flyer Miles

Insurance- Air Accident Insurance of Rs. 5 crore and lost card liability cover of Rs. 3 lakh

Citibank Corporate Card

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

Spend Management- Access to online spend management tool and visibility and control over your corporate expenses

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

Dining Benefit- Up to 15% off on exclusive dining at select restaurants

International Usage- Easy access to foreign currency when travelling abroad

Round the Clock Assistance- 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-

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.

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-

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.

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.