Top 6 Citibank Credit Cards

Card NameAnnual FeeBest For
Citi PremierMiles Credit CardRs. 3,000Travel
IndianOil Citi Platinum CardRs. 1,000Shopping & Fuel
Citi Rewards Credit CardRs. 1,000Shopping & Rewards
Citi Prestige Credit CardRs. 20,000Travel
Citi Cash Back Credit CardRs. 500Shopping & Cashback
First Citizen Citi Credit CardRs. 500Shopping & Rewards

Citibank Credit Cards Features 

• Under the Citibank Referral Program, you can earn up to Rs. 9,999 by referring your family and friends for the card.
• This reward money will be credited to you only if the person referred by you applies for the Credit Card within 120 days from the date on which the referral is made.
• You can get an instant loan against credit or cash limit on your card either by applying online or contacting the customer care team. The eligible loan amount can be over and above the limit also depending on your credit history and various other factors. You can also choose a convenient repayment period.
• Any purchase above Rs. 2,500 can be converted to EMI.
• The interest rates can vary between 3.10% to 3.25% p.m. depending on various factors. Interest will be charged on the outstanding amount after the interest free period stipulated. 
Redemption of reward points: You can accumulate reward points and redeem for a host of products and services whenever you want. Reward redemption options are available on the rewards catalogue of Citibank. You can choose from a variety of options like entertainment, apparel, travel, hotel, dining, and so on. You can redeem reward points for vouchers at branded stores. Reward points can be redeemed for air miles if your card supports this facility.
• Payment of Credit Card bill payment can be made in various ways:
o By direct debit to account at Citibank
o By NEFT, RTGS if the credit has to come from some other bank account
o By E-pay: Citibank E-pay facility enables you to pay online from any other bank account, but payment made through E-pay will be effected only after 2 working days.
o Payment through ECS is another option. For this you have to provide a mandate for debiting the other bank account.
 

Citibank Credit Cards Benefits

  • You can have access to quick funds anytime anywhere.
  • You have the freedom to choose between credit line and instalment loan or a mix of both.
  • Interest will be applied only to the extent of the amount utilised.
  • You will earn innumerable reward points for all the transactions made through the card.
  • There will be discounts and offers at various outlets for your daily purchases.
  • You can get 15% cashback on duty free shopping with Citibank card.
  • Cashback of Rs. 1,200 on booking domestic flights on MakeMyTrip app with Citibank Card.
  • Cashback of 20% is available on booking domestic flights on Paytm app/website with Citibank Card.

Citibank Credit Cards Eligibility

  • Applicant can either be salaried or self-employed.
  • Applicant should be in the age group between 23 years to 60 years.
  • Should have a minimum income of Rs. 20,000 p.m. (for salaried) and Rs. 5 Lakhs p.a. as per ITR (for self-employed).
  • Applicant should submit income proof, address proof, business proof and Photo ID.
  • Credit score should be 750 or above.

Citibank Credit Cards Documents

For Salaried Employees

  • Proof of identity: Passport issued by Government of India/ Driving License/ Voter's ID Card/ Aadhaar Card or E-aadhaar)/ NREGA issued Job Card duly signed by an State Government officer (any one).
  • Residence proof: Passport issued by Government of India/ Driving License/ Voter's ID Card/ Aadhaar Card or E-aadhaar)/ NREGA issued Job Card duly signed by an State Government officer (any one).
  • 2 recent salary slips

For Self-Employed

  • Proof of identity: Passport issued by Government of India/ Driving License/ Voter's ID Card/ Aadhaar Card or E-aadhaar)/ NREGA issued Job Card duly signed by an State Government officer (any one).
  • Residence proof: Passport issued by Government of India/ Driving License/ Voter's ID Card/ Aadhaar Card or E-aadhaar)/ NREGA issued Job Card duly signed by an State Government officer (any one).

Latest year's ITR with audited financials & computation of income.

Balance Transfer: How to Use the BT Feature and What are the Benefits?

Save money on interest charges by opting for a balance transfer using one of Citibank’s cards that features a low intro APR. By transferring a balance from a higher interest credit card to a Citibank card with a lower APR you can easily manage your debt.

How to use Citibank’s credit card balance transfer feature?

If you already own a Citi credit card:

  • Log in to your account and choose the “transfer a balance” option from your account page.
  • To start the process, provide key information about the card from which you want to transfer a balance.

If you are applying for a new Citi credit card:

  • Start a credit card application for one of the four balance transfer cards that Citi offers.
  • During your application, you will be given the option to transfer a balance from an existing card. Select this option to proceed.
  • Provide basic information about your existing card and state how much you want to transfer. Remember, there’s no guarantee that you will be able to transfer the entire amount as Citi will need to evaluate your creditworthiness when establishing how much of a credit limit you will qualify for.

Citibank Credit Card Reward Points

Citibank gives your reward points in the form of air miles and turbo points that do not have validity or expiry period. You can accumulate the reward points (air miles and turbo points) and redeem whenever you want. 
• Citi PremierMiles Credit Card
o 10,000 miles on first transaction of Rs. 1,000 or above within 60 days of card issuance and 3,000 miles on renewal of card.
o 10 miles for every Rs. 100 spent on airlines and hotels booked through their exclusive website.
o 4 miles for every Rs. 100 on other spends.
o Frequent Flyer Program (FFP) member of any airline will earn miles for the ticket purchased @10 miles/ Rs. 100 rate using your Citi PremierMiles Card. Also, you will get your regular FFP miles.
• IndianOil Citi Platinum Card
o 4 turbo points on Rs. 150 spent on fuel in IndianOil outlets across the country.
o 2 turbo points on Rs. 150 spent at grocery stores and supermarkets.
o 1 turbo point on Rs. 150 spent anywhere else like shopping, dining, and more.
o You can redeem your reward points at Indian Oil retail outlets across the country, select merchant outlets & online partners, and vouchers across major brands.
• Citi Rewards Credit Card
o Use the card to shop at apparel and department stores and earn 10 reward points for every Rs. 125 spent.
o 1 reward point for every Rs. 125 spent on all other purchases.
o 300 bonus reward points on spending Rs. 30,000 or more in a month using the card.
o You have the option to redeem the points for premium merchandise or for attractive travel options and for shopping at 700 plus outlets and e-shopping outlets.
• First Citizen Citi Credit Card
o Every purchase made with the card will fetch you 7 first citizen points per Rs. 100 at Shopper's stop for private label brands and 5 points for every other purchase.
o This card facilitates redemption of points instantly against purchases made at Shoppers Stop. 1 citizen point = Rs. 0.60.

Bill Payment Options for Citibank Credit Card

Payment of Credit Card bill payment can be made in various ways:
• By direct debit to account at Citibank.
• By NEFT, RTGS if the credit has to come from some other bank account.
• By E-pay: Citibank E=pay facility enables you to pay online from any other bank account, but payment made through E-pay will be effected only after 2 working days.
• Payment through ECS is another option. For this you have to provide a mandate for debiting the other bank account.
 

Fee & Charges

Types of ChargesAmount
Cash advance fees
  • 2% (minimum Rs. 300) for Citi PremierMiles Credit Card, Citi Prestige Credit Card
  • 2.5%, minimum Rs. 500 for others
Late payment charges
  • Up to Rs. 100 for Citi PremierMiles Credit Card, Citi Prestige Credit Card 
  • Up to Rs. 1,300 for others
Over credit limit charge2.5%, minimum Rs. 500
Charges for returned payment
  • Rs. 350 per instance for Citi PremierMiles Credit Card, Citi Prestige Credit Card
  • Rs. 500 per instance for others
Fuel transaction charge1% + GST (or surcharge). Reversed at IndianOil outlets for transactions above Rs. 10
Railway ticket booking surcharge
  • Nil for Citi PremierMiles Credit Card
  • 1.8% of transaction for others
Mark-up3.5%
Cash deposit at Citi branches
  • Rs. 100 per deposit Citi PremierMiles Credit Card, Citi Prestige Credit Card
  • Rs. 250 per deposit for others

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Best Rewards Credit Cards

Earn max rewards & redeem for cash back, value back offers, discounts & exclusive deals.

Citibank Credit Card FAQs

✅ How to improve my Citibank Credit Card eligibility?

  • A clean record: To maintain a clean record you must make the Credit Card payments and loan repayments on time. You should plan your finances meticulously and make available funds on the due dates to maintain prompt repayments month on month.
  • Creditworthiness: CIBIL score is the scale to measure one's creditworthiness. You should keep a track of credit score periodically and ensure that the required level is maintained at all times.

✅ How to Apply for Citibank Credit Card?

  • Choose a Credit Card listed on their official website according to your lifestyle
  • Fill in the online application with required details and submit
  • Upload required documents for eligibility check and verification and submit
  • After receiving the relevant documents, the card application will be processed
  • On approval the Credit Card and pin will be sent to the address mentioned in your application. You will receive the card and the pin separately.
  • All you have to do is swipe the card to activate it
  • You can also apply online for Citibank Credit Card through MyMoneyMantra

✅ What is the interest rate applicable on Citibank credit card?

The interest rates can vary between 3.10% to 3.25% p.m. depending on various factors. Interest will be charged on the outstanding amount after the interest free period stipulated. If revolving payment is opted then the interest free period will not be considered and interest will be charged for the entire period

✅ Can I convert my Citibank credit card purchases into EMIs?

Yes, any purchase above Rs. 2,500 can be converted to EMI.

✅ How much can I earn with Citibank Referral Program?

Under the Citibank Referral Program, you can earn up to Rs. 9,999 by referring your family and friends for the card.

✅ Where can I redeem air miles earned through Citi PremierMiles Credit Card?

You can redeem air miles earned, across 100 plus international airlines and hotel partners. Their airline partners with 2:1 mile conversion ratio are, Air India, Cathay Pacific, British Airways, Etihad Airways, Eva Airways, Flying Blue (Air France and KLM), Jet Airways, Malaysia Airlines, Qantas, Qatar Airways, Singapore Airlines, Thai Airways, Turkish Airlines and Virgin Atlantic.

✅ What is the value of 1 turbo point earned through IndianOil Citi Platinum Card?

1 turbo point is equal to Re. 1 free fuel.

✅ What is the annual membership fee for Citi Prestige Credit Card?

Annual membership fee for Citi Prestige Credit Card is Rs. 20,000.