Citi Credit Card Eligibility

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Citi Credit Card Eligibility Criteria

Citi credit cards are popular for offering extensive rewards programs, cashback offers, miles benefits, and many more. You can easily utilise these features and benefits and upgrade your personal and professional lifestyle by simply meeting the eligibility criteria laid down by Citibank for different credit cards. Read on to know the Citi credit card eligibility and apply for a Citi credit card today.

Eligibility Criteria to Apply for a Citi Credit Card

Eligibility Parameters

Requirements for Citi Credit Card Application


  • Minimum: 23 years
  • Maximum: 60 years


Differs from one Citi credit card to another


Resident of India

Credit Score

Preferably 750 and above

Documents Required To Apply for a Citi Credit Card

The documents you should furnish during Citi credit card application are listed below:




Identity Proof (any one)


Aadhaar card, PAN card, Passport, Voter ID, Driving Licence, or any other photo ID card approved by the Government of India 

Address Proof (any one)

Passport, Aadhaar card, utility bills, or any other ID card approved by the Government of India

Income Proof (any one)

Salary slips for the last 3 months, bank account statements for the last 3 months, Form 16 (salaried employee), or audited financials of the last 2 years (for self-employed)

Factors Affecting Citi Credit Card Eligibility Criteria

Citibank will approve your credit card application only when you meet its eligibility criteria. Your eligibility to avail a Citi credit card or any credit card depends on various factors; hence, having prior knowledge regarding the same is crucial. The following section thoroughly discusses the factors that affect Citi credit card eligibility, read on.


  • Income

This is a pivotal factor in deciding whether you are eligible to get approval for a Citi credit card. Card issuers wish to be convinced about your financial background and strength. Subsequently, Citibank wants to be assured of your source of income and demands that you must have a regular income. Hence, they prefer applicants who are salaried employees of a reputed firm or an established self-employed individual.

  • Age

You must fall within the age bracket of 23 to 60 years if you wish to be granted a Citibank credit card.

  • Nationality

Credit cards from Citi India are currently not offered to Non-Residents Indians. Therefore, you must show that you are a citizen of India to avail a Citi credit card.

  • Credit Score

Citi credit card eligibility depends heavily on credit score as it represents your creditworthiness. Credit scores inform banks and other card issuers of your financial history and stability. The higher the score, the better the chance to get approval.

  • Outstanding Debt

While reviewing your credit card application, Citibank will check your outstanding or existing debt. If you have a larger amount of debt, the data will reflect on your credit report and signal your higher dependency on credit. This will not only bring down your overall credit score but also affect your eligibility to get a Citi credit card as the bank might not consider you as a responsible credit card user.  

  • Multiple Credit Card Applications

Applying for multiple credit cards can result in several hard enquiries which can affect your credit score as well as eligibility to get Citi credit card approval.

Tips to Improve Citi Credit Card Eligibility

Citibank credit card eligibility can be improved by following the methods mentioned below:


  • You must try to improve your credit score by reducing your debt-to-income ratio, shutting down existing loans, increasing your monthly income, etc.

  • You must clear bills in full and on time as timely payment helps you to establish a positive image as a credit card user

  • In case you have outstanding balances on other credit cards, your credit utilisation ratio will be adversely affected. In such cases, you must start to maintain a good credit utilisation ratio on your existing credit cards

  • If you make multiple requests for credit cards, it will negatively affect your credit score. Hence, you must consider your needs first and then apply for a Citi credit card that suits you the best. This method allows you to narrow down the chances of possible hard inquiries.

  • You must avoid any instances of late free payment, cheque bounces, charges and penalties, etc., or any other credit-source negative situations.  

FAQs on Citi Credit Card Eligibility Criteria

  • ✔️Is it easy to get a Citi credit card?

    Yes, it is easy to get a Citibank credit card provided you fulfil the eligibility requirements such as those related to your age, income, identity, and residence.

  • ✔️How long does it take to get approval for a Citi Credit Card?

    If you meet all the eligibility requirements for a Citi credit card, you should ideally get quick approval and your card should be delivered within 2 weeks.

  • ✔️What are the minimum salary requirements for a Citi credit card?

    The salary requirements may vary from one Citibank credit card to another. However, you should have a regular source of income to avail a Citi credit card.

  • ✔️Can a student apply for a Citi credit card?

    Students with a regular source of income can apply for a Citi credit card. 

  • ✔️What is the maximum limit I can get on my Citi credit card?

    Citibank decides the credit limit after assessing your income and credit history. Hence, the maximum limit can vary from one credit card to another as well as one applicant to another.

  • ✔️What should my credit score be to get a Citi credit card?

    You should ideally have a credit score of 750 or above to get a Citi credit card.