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Citi Credit Card

Citibank is a well-known establishment, trusted by millions of people all over the world. In addition to security and stability, Citibank credit cards offer attractive discounts, cashback, air miles, and much more. Each of the shopping, lifestyle, travel, and fuel credit cards offered by the bank is designed to make your experience special and rewarding.

Furthermore, rewards points offered on Citibank credit cards can be used to get exclusive vouchers, jaw-dropping deals, and much more. Best of all, reward points accumulated on a Citibank card never expire. Another highlight of applying for a Citibank credit card is that this card allows its users to get insurance benefits, such as health insurance and lost luggage insurance. Also, the card can be used at both domestic and international locations, and users can use it to pay utility bills and withdraw cash.  

Top Citi Credit Cards

Citibank Cash Back Credit Card

  • Joining Fees
    ₹500 + GST


Citi Cash Back Credit Card rewards is the ideal credit card for users who are looking to save on every transaction. It returns a percentage of the transacted amount back on every purchase.

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Citibank Rewards Credit Card

  • Joining Fees
    ₹1000 + GST


Citibank Rewards Credit Card is one of the best Credit Cards that you can apply for. With this credit card in your pocket, the list of benefits just won’t seem to end! Get up to 2500 reward points upon joining and up to 10 Reward Points for every Rs.125 spent at apparel and department stores with your Citi Rewards Credit Card.

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CitiBank Premier Miles Credit Card

  • Annual Fees
    ₹3000 + GST


Citi Premier Miles Credit Card is specially created for frequent travelers. It provides access to both, domestic and international airport lounges along with exclusive deals on flight tickets, hotel bookings, and car hire, which makes it an ideal travel credit card. Cardholders can also accumulate air miles that can be redeemed to buy flight tickets.

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Citibank IndianOil Credit Card

  • Annual Fees
    ₹1000 + GST


The Citibank IndianOil Credit Card is a fuel credit card that enables you to save more on fuel at all IndianOil outlets across the country. You get 2.5% fuel surcharge across all IndianOil fuel stations. Want more? You even get dining and shopping privileges. Here are a few details about the popular Credit Card and its benefits.

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Types of Citibank Credit Cards

Catering to different needs and lifestyle preferences of its customers, Citibank offers a range of credit cards. Each Citi credit card offers different benefits and is suited to different needs. Here’s a quick run through of the different credit cards offered by the bank:

1. Shopping

If you’re a shopaholic, the following Citi credit cards are a must.

  • Citi Rewards Credit Card: The Citi Rewards credit card makes shopping more rewarding by helping you earn more rewards as you continue pursuing your penchant for shopping. You can earn reward points with every Citi Rewards credit card purchase and then redeem them for premium merchandise, exclusive travel deals and much more! Moreover, since reward points on the card don’t expire, you can choose to instantly redeem them or keep collecting them. 
  • First Citizen Citi Credit Card: Designed in collaboration with Shoppers Stop, the First Citizen Citi credit card offers multiple benefits and an easy reward redemption system. Apart from welcome vouchers of ₹2,500, you get reward points for spends at Shoppers Stop, M.A.C, Estee Lauder, Smashbox, Bobbi Brown, Homestop, Arcelia, Clinique and Jo Malone.

2. Cashback:

While the Citi Rewards Credit Card can be used to avail of cashback offers, a better alternative is the Citi Cash Back Credit Card. 

  • Citi Cash Back Credit Card : This Citi credit card is best for those who wish to side-step the hassle of redeeming credit card points. With this credit card, you can trade in rewards for actual cashback. You can avail of cashback rewards for utility bill payments as well as movie tickets booked via the Citi Pay portal. The cashback from the spends is auto-credited to the statement in multiples of ₹500.

3. Fuel:

If you spend a sizable amount on fuel expenses every month, the following Citi credit card may be the ideal match for you.

  • IndianOil Citi Credit Card: With this credit card from Citibank, you can earn Turbo reward points for fuel purchases at Indian Oil stations. In the age of rising fuel prices, with one Turbo point being equivalent to one rupee, you can save a ton on fuel overheads. Moreover, while points can then be redeemed to fund your next few fuel expenses, you can also use them to purchase a range of other lifestyle, travel or leisure products. 

4. Travel

If you’re an explorer with a travel bucket list, using a Citibank travel credit card for your expenses will definitely pay-off. 

  • Citi PremierMiles Credit Card: Perfect for travel bugs, the Citi PremierMiles Credit Card ensures that you earn more rewards while exploring new places. Apart from air miles for every spend, you all get to enjoy lounge access and air accident insurance with this credit card. Thus, if you’re a frequent flyer, this credit card is perfect for you. You can also enjoy 20% savings on dining expenses at partner restaurants with the Citi PremierMiles Credit Card.

5. Lifestyle

Like all things luxurious? The following Citibank lifestyle credit card can be your gateway to special privileges and offers. 

  • Citi Prestige Credit Card: The Citibank Prestige Credit Card brings you premium rewards and benefits. You can redeem your points for special gift vouchers from the Citi Prestige Rewards catalogue. Alternatively, you can also transfer your points to loyalty programs to get frequent flyer miles and hotel discounts. Apart from complimentary access to over 700 international airport lounges, you also get to avail of 4 complimentary golf sessions with this credit card. 

How to Apply for Citi Credit Cards

You can apply online for Citibank Credit Cards by visiting the Bajaj Markets website and following the steps given below:

  • Step 1: Visit Bajaj Markets to check the range of Citibank credit cards available.

  • Step 2: Enter your personal details in order to ascertain your eligibility. 

  • Step 3: Check your offer and compare the multiple credit card options available.

  • Step 4: Select the Citibank credit card that best matches your spending habits.

  • Step 5: Submit your application and get approval.

How to Apply for Citibank Credit Card?

Eligibility Criteria and Documents Required for Citi Credit Card

1. Eligibility Criteria

  • Age: Between 21 and 60 years

  • Residence: A resident of India

  • Occupation: Both self-employed and salaried individuals

  • Income: Monthly income of ₹20,000 or more; however, the minimum income requirement may vary with the type of Citibank credit card selected

  • Credit Score: A good credit score, likely 750 and above

2. Documents Required

  • Proof of Identity: Passport, driving licence, PAN card, Aadhaar card, Voter's ID, job card issued by NREGA and duly signed by an officer of the state government, Overseas Citizen of India card, letters issued by UIDAI, Person of Indian Origin Card, or any other valid document issued by the Government of India.

  • Proof of Address: Driving licence, Aadhaar card, Voter's ID, job card issued by NREGA and duly signed by an officer of the state government, property registration papers, utility bills less than 4 months old, ration card, bank account statement, or any other type of Government approved address proof.

  • Proof of Income: Recent salary slips, ITR with audited financials, bank statement for last 3 months, Form 16, and computation of income.

Do note that the documents required for a Citibank credit card will vary depending on whether you are a salaried or a self-employed individual.

Citi Credit Card Reward Programme

The Citibank credit card rewards program is designed to help you earn reward points and air miles against your purchases. These include rewards against spending on apparel, departmental stores, flights, groceries, fuel, and purchases at featured partner stores. Accumulated Citi credit card rewards and miles can be redeemed later for purchasing vouchers, availing discounts, etc.

Apart from rewards, you also get access to some of the latest Citibank credit card offers. These offers are available across a host of categories such as shopping, entertainment, electronics, home appliances, groceries, travel, food delivery, shopping, etc. Here are some of the best Citi credit cards and the rewards that come with them:

1. Citi Prestige Credit Card: This Citi credit card has an excellent rewards program that makes it quite popular in the market. The top rewards provided by this card are given below.

  • 2,500 bonus points as welcome gift

  • ITC/Taj benefits worth ₹10,000

  • 1 reward point for a spend of ₹100 in India

  • 2 reward points for a spend of ₹100 abroad

  • Upgrade to British Airways Executive Club

 2. Citi Cash Back Credit Card: The Citi Cash Back Credit Card is ideal for anyone seeking discounts, vouchers, and cashback. This card comes loaded with rewards like:

  • 5% cashback on payment of telephone bills and movie tickets

  • 5% cashback on payment of utility bills

  • Save upto ₹3,600* on your spends in the first year
    *T&C Apply

 3. Citi Rewards Card: Annual fee waiver of ₹1,000 on an annual spend of ₹30,000. Some other noteworthy benefits are:

  • 1,000 bonus points after the first purchase of ₹1,000 using the card within 60 days of the activation of the card

  • 1,500 bonus points after the first purchase using the card within 30 days of the activation of the card

  • 10x reward points on spending a minimum of ₹125 in department as well as apparel stores

  • 1 reward point for spending a minimum of ₹125 using the card

 4. First Citizen Citi Credit Card: The card comes with joining benefits like 500 reward points worth ₹300 on first spend. Other rewards include:

  • Welcome gift vouchers worth ₹2,250 that can be redeemed at Shoppers’ Stop and Homestop

  • Annual fee waiver on an annual spend of ₹30,000.

  • Fuel surcharge reversal (1%) on fuel purchases at authorised IndianOil outlets

  • 2 reward points for every ₹200 spent on the card

 5. IndianOil Citi Credit Card: With the rising price of fuel, the IndianOil Citi Credit Card is truly a lifesaver. It comes with rewards like:

  • 250 turbo points after first purchase within 30  days of card issuance

  • 4 turbo points for spending ₹150 at any IndianOil outlet

  • 2 turbo points for spending ₹150 on groceries and supermarkets

  • 1 turbo point for spending a minimum of ₹150 on other eligible purchases

  • Annual fee waiver of ₹1,000 on an annual spend of ₹30,000.

Features and Benefits of Citi Credit Cards

1. Cashback Benefits

Enjoy 5% cashback on movie tickets and utility bill payments through Citi Billpay with the Citi Cash Back Card. Also, get up to 0.5% cashback on all other transactions.

2. Dining Benefits

Savour mouth-watering cuisine at discounted rates in India and abroad with the Citi Cash Back credit card.

3. Air Mile Benefits

With the Citi PremierMiles credit card, you receive 10 air miles on every ₹100 spent on airline transactions made at PremierMiles official website and hotel bookings made with select partners. You can redeem air miles against flight tickets, hotel bookings, car rentals, and taxi hire. Accumulated air miles never expire so they can be redeemed anytime in the future.

4. Get Rewards for Every Shopping

Earn 10X Reward Points on spending at apparel and department stores with the Citi Rewards Credit Card. Earn 1 Point for every ₹125 spent on all other purchases. With the Citibank Indian Oil credit card, earn 2 Turbo Points for every ₹150 spent on groceries and at supermarkets, and 1 Turbo Point for every ₹100 spent on other categories

5. Earn Points that Never Expire

The points collected on Citi credit cards never expire. So, you can accumulate your reward points worry-free until you are ready to redeem them against special benefits.

6. Fuel Surcharge Waiver

Avail of a 1% fuel surcharge waiver for fuel transactions carried out at authorised Indian Oil outlets with the Citi IndianOil Credit Card.

7. EMI Benefits

The Citi PayLite feature on your Citi credit card allows you to convert purchases of more than 2,500 into bite-sized EMIs. You can pick a comfortable repayment tenor to clear the total expense and prevent overburdening your finances. 

8. Flexible Bill Payments 

While repaying your credit card bills at once is recommended, it might be difficult when you’re dealing with a cash crunch. With the Citi FlexiBill Program, you can convert your monthly credit card bill into manageable EMIs and clear the same overtime. 

9. Access to Airport Lounges 

Apart from free flyer miles, Citi credit cards also give you access to both Indian and international airport lounges. 

10. Insurance Benefits 

With the Citi PremierMiles Credit Card, you can get an air accident insurance cover of up to ₹1 Crore. The Citi Prestige Credit Card also offers travel insurance benefits to the cardholder.

Citi Credit Card Customer Care Number

In case you need any assistance with your card, you can call Citibank credit card customer care on 1860 210 2484 (local) or +91 22 4955 2484 (overseas). Citibank also has dedicated customer care numbers for international customers. SMS services are available on 52484 or +91 98807 52484, while the email facility is available at

Why Choose Citi Credit Card from Bajaj Markets

1. Rewards & Discounts

Get some of the best rewards on Citi Credit cards on Bajaj Markets. Apply for Credit Cards online at Bajaj Markets and get a card that is packed with rewards and offers from your favourite brands.

2. One Platform, Many Cards

At Bajaj Markets, we have just the right variety of credit cards for you. Whether you want a credit card that gets you discounts on shopping or one that saves on your fuel costs, we have it all!

3. Stringent Security Measures

With cybercrime a reality, your credit card comes with features that ensure safety against any kind of fraud. Apply online and avail the best credit card for you now!

4. Convert Purchases into EMIs

Purchases made through any of the Citibank Credit Cards available at Bajaj Markets can be converted into EMIs easily. Apply for a Citibank credit card online today. 

5. Joining Benefits

Enjoy assured joining benefits on multiple Citibanl credit cards available on Bajaj Markets. Get amazing discount vouchers from top e-commerce sites, fuel surcharge waivers, cashback, and much more! 

About Citi Credit Cards

Citi Credit Cards at Bajaj Markets

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FAQs on Citi Credit Cards

✔️What is the process to know the number of points accumulated on my Citi credit card?

You can find the details of your accumulated Citi credit card reward points on your credit statement as well as in your net-banking account.

✔️What are some of the top credit cards offered by Citibank?

Citibank offers a range of credit cards that are suitable for the different needs of customers. There are cards that are ideal for earning rewards (Citi Rewards Credit Card), saving on travel expenses (Citi PremierMiles Card), earning cashback (Citi Cash Back Credit Card, avoiding surcharges on fuel costs (Citi IndianOil Credit Card), etc. All you need to do is browse the list and select the ideal card for yourself.

✔️How can I get a Citi Credit Card?

You can apply for a Citi credit card online by visiting the Bajaj Markets website or app, entering a few details to ascertain your eligibility and checking your offer. You can then select the Citibank credit card that best matches your spending habits and submit your application.

✔️What is the minimum credit score for a Citi Credit Card?

To be eligible for a Citibank Credit Card, you need to have and maintain a high credit score of 750 or above. Ensuring that your credit card payments are done on time, can help you obtain a good credit report.

✔️Can a Citi credit card be used within India and overseas?

Yes. However, do note that customers will have to enable/disable their card for International and online transactions on Citibank online or on the Citi Mobile app. They can also set the domestic daily limit for ATM, POS, and Online transactions.

✔️What is a Citi add-on credit card?

Add-on credit cards were essentially introduced to accommodate the purchasing needs of different family members of the primary credit card holder. The Citi add-on credit card is a supplementary credit card that can be issued to the parents, spouse, siblings, children, in-laws of the primary card holder. The add-on card also comes loaded with reward programmes, that can be utilised by its user to get discounts.

✔️ Which is the best credit card by Citibank?

Citi Rewards Credit Card is the best Citi credit card. It offers the best benefits, cashbacks, and rewards across lifestyle, travel and other verticals.

✔️Do Citi credit cards have a monthly fee?

The interest rate applicable on Citi credit cards is 3.75% per month for those who fail to repay the entire outstanding monthly bill. Other charges like late payment, over-credit limit charges, etc. may also apply as per your repayment and spending status and the bank’s current rates.