Citi Credit Card

Citibank Credit Cards

Overview

Citibank offers some of the best credit cards in India which suit every need of yours. You can choose from a wide range of all-rounder credit cards that let you earn reward points, air miles, and cashback & much more. 

Citibank Credit Cards

Citibank Cash Back Credit Card

  • Joining Fees
    ₹500 + GST
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Citibank Cash Back Credit Card

  • Benefits
    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.

Citibank Rewards Credit Card

  • Joining Fees
    ₹1000 + GST
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Citibank Rewards Credit Card

  • Benefits
    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.

Citibank Premium Miles Credit Card

  • Annual Fees
    ₹3000 + GST
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Citibank Premium Miles Credit Card

  • Benefits
    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.

Citibank IndianOil Credit Card

  • Annual Fees
    ₹1000 + GST
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Citibank IndianOil Credit Card

  • Benefits
    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.

Features and Benefits of Citibank Credit Cards

  • Cashback Benefits

    Enjoy 5% cashback on movie tickets or any other utility bill payments through Citi Billpay with your Citi Cashback Card. Also, get up to 0.5% cashback on all other transactions.

  • Dining Benefits

    Not just in India, with your Citi Cashback Card, you can savour the mouth-watering cuisines with discounts on your billing across the globe.

  • Air Mile Benefits

    With your Citi Premier Miles Credit Card, you can get 10 air miles on every Rs. 100 spent on airline transactions made at Premier Miles official website and hotel bookings made with select partners. 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.

  • Get Rewards for Every Shopping

    Earn 10X Reward Points on spends at apparel and departmental stores with your Citi Rewards Credit Card. Earn 1 Point for every Rs. 125 spent on all other purchases.

  • Earn Points that Never Expire

    With your Citi Rewards Card, you can either redeem or keep collecting your reward points as they never expire.

  • Fuel Surcharge Waiver

    Avail 1% fuel surcharge waiver for fuel transactions carried out at authorized Indian Oil outlets with your Citi IndianOil Credit Card.

Types of Citibank Credit Cards

Citibank Cash Back Credit Card    

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 on every purchase. Extra cashback can be availed on utility bill payments, booking movie tickets and phone bill payment. Here are a few details about the popular Credit Card and its benefits.

Citibank Rewards Credit Card

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 departmental stores with your Citi Rewards Credit Card.

Citi Premier Miles Credit Card

Citi Premier Miles Credit Card is specially created for frequent travellers. 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..

Citibank IndianOil Credit Card

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.

How to Apply for Citibank Credit Cards

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

  • Visit Finserv MARKETS

    Visit our website

  • Fill in your details

    Help us with a few of your details

  • Check out the list of multiple Citibank Credit Cards

    Compare between the multiple options available

  • Make a choice

    Select the Citibank Credit Card

  • Submit your form

    And you're all set!

Why choose Finserv MARKETS for Citi Credit Card?

Rewards & Discounts

Get some of the best rewards on Citibank Credit Cards on Finserv MARKETS. Apply for Credit Cards online at Finserv MARKETS and get Credit Cards packed with rewards and offers from your favourite brands.

One Platform, Many Cards

At Finserv MARKETS, we have just the right amount of Credit Cards for you. Whether you want a Credit Card that gets you discounts on shopping or the one that saves on your fuel costs, we have it all!

Stringent Security Measures

With cyber-crime 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!

Convert Purchases into EMIs

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

Joining Benefits

Enjoy assured joining benefits on multiple Credit Cards at Finserv MARKETS as soon as you join. Get amazing discount vouchers from top e-commerce sites, fuel surcharge waivers, cashbacks and much more!

Documents Required

Documents Required for Salaried Employees
  • Proof of Identity
  • Proof of Address
  • Latest two salary slips
  • Id and Address proof documents (Valid Passport issued by Govt. of India, Driving License, Proof of possession of Aadhaar number (Aadhaar Card/ E-aadhaar), Voter's ID Card, Job Card issued by NREGA duly signed by an officer of the State Government).
Documents Required for Self-Employed Individuals
  • Proof of Identity
  • Proof of Address
  • Latest year ITR with audited financials and computation of income
  • Id and Address proof documents (Valid Passport issued by Govt. of India, Driving License, Proof of possession of Aadhaar number (Aadhaar Card/ E-aadhaar), Voter's ID Card, Job Card issued by NREGA duly signed by an officer of the State Government).

Citibank Credit Card Fees and Charges

Fees / Charges

Amount

Joining / Annual fees

Varies from card to card

Cash advance fees

2.5% on the billed amount withdrawn, subject to a minimum of Rs. 500

Late Payment Charges

 NIL for statement balance up to Rs. 1,000

Rs.450 for statement balance above Rs.1,000 and up to Rs.5,000

Rs.700 for statement balance above Rs.5,000 and up to Rs.10,000

Rs.950 for statement balance above Rs.10,000 

Over credit limit charge

2.5% of the amount (excluding fees, charges and taxes) over the credit limit, subject to a minimum of Rs.500

Foreign currency transactions

3.50%

Cash deposit at Citi branches 

Rs.250 per deposit

Returned Payment Charge

Rs.500 per returned payment

Reissue of lost, stolen or damaged card

Rs.100

Citibank Credit Card Rewards Programs

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

Offers Available on Citibank Credit Cards

Sr No

Offer

Offer Website

Offer Code

Validity

1

Get cashback up to Rs 3000 on rent payments above Rs 20000 through RedGiraffe

RedGiraffe

NA

Offer valid for registrations between 00.00 hrs on December 29, 2020 to 23.59 hrs on March 30, 2021

2

Get 10% extra savings up to Rs 2000 on EMI on Whitehat Jr subscriptions

Whitehat Jr website/ app

NA

00.00 hours December 24, 2020 to 23.59 hours January 24, 2021

3

20% instant savings on the entire product range on The White Willow website (www.thewhitewillow.in) during the offer period on Citi Credit & Debit cards.

The White Willow website (www.thewhitewillow.in)

CITI20

From 00:00 hrs on November 28th,2020 till 23:59 hrs on April 30th, 2021

4

Get additional 15% discount on purchase at www.hamleys.in. Simply enter the promotion code HAMLEYSMASTER15 when placing an order to enjoy the discount.

Hamleys

HAMLEYSMASTER15

31st May 2021

5

Use your Citibank Card and get 25% off when you shop on https://shopcrocs.in/buy/newarrivals.html website. Simply quote the promotion code at checkout.

Crocs

MASTER25

31st March 2021

What is the Citi Credit Card Customer Care Number

You can call the Citibank Customer Care team helpline number 1860 210 2484 for any queries.

How to stay safe online?

Below are a few tips and simple practical measures to stay safe online.

  • Do not select the option "autosave" on your browsers for storing your user name and password when you login to Citibank Online
  • Make sure your computer has the latest version of the anti-virus software. Download the updates of this software on a regular basis to protect your computer against new viruses
  • Get your computer updated with the latest versions of the browsers and operating system
  • Install a personal firewall and the latest anti-virus software on your computer. This will prevent unauthorized access to your system, particularly when they are linked through broadband connections, digital subscriber lines or cable modems. Update the anti-virus and firewall products with the latest versions on a regular basis
  • If you are using a shared computer, you should clear your browser's cache and history after each session so that your account information is removed
  • If you are using a Windows OS, ensure that File & Print sharing is disabled when you are online
  • Use an Internet browser that supports 128-bit encryption
  • Disable AutoComplete on your browser to prevent the browser from storing the password

How to Pay Bills using Citibank Credit Card

From your Citibank account

Citibank Online (Standing Instruction)

With Citibank Online Credit Card payment option, you can easily set up a standing instruction to pay either minimum amount due or total amount due.

Citi Mobile

Citi Mobile is the easiest method to pay Citibank Credit Card from your Citibank Account. It’s extremely simple to pay using your mobile. All you need to do is visit m.citibank.co.in to pay your Credit Card bill using your mobile.

From your other Bank account

IMPS and NEFT (new)

With IMPS option, credit card bill payments can be easily made 24X7 (including holidays) from any of your bank accounts.

RTGS

Payments initiated by customers through RTGS prior to cut-off would be credited to the card account on the same day. Funds transfer request before 04:30 P.M on weekdays and working Saturdays are credited on the same day. Funds transfer request post 04:30 P.M on non-working days are credited on the following working day.

E-PAY

Citibank's E-Pay method allows you to pay your Credit Card bills online even if you don't have a Citibank banking account. This will usually take 2 working days (excluding Saturdays & Sundays).

ACH/ECS

Your funds are transferred from your account with other bank through a facility called the ACH (Automated Clearing House, earlier referred as ECS). You’re required to provide a signed mandate to Citibank authorizing the transfer of funds from your account with other bank.

Visa Money Transfer(VMT)

When you pay your Citibank Credit Card bill from a non-Citibank account, you can use Visa Money Transfer (VMT) option. Depending on the processing timelines of your bank, this will take up to 5 working days to get credited to your Citibank Credit Card.

Card payment from other bank website

Citibank Credit Card has been added as Utility Biller with other banks. This option allows you to pay when you login to Online Banking platform of your non-Citibank Bank account. This will normally take up to 3 working days (excluding Saturdays & Sundays) to get credited into your account.

About Credit Cards

Bank Credit Cards at Finserv MARKETS

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Manage all your Credit Card queries here

  • ✔️Which is the best Credit Card in Citibank?

    All Credit Cards offered by Citibank are best for their respective set of customers. A Citibank IndianOil Credit Card is an ideal card for someone who travels via road whereas the Citi Premier Miles Card is more suitable for someone who travels via flight.

  • ✔️How can I get a Citi Bank Credit Card?

    You can apply for a Citibank Credit Card on Finserv MARKETS website & get your credit card in a few simple steps.

  • ✔️What is the minimum Credit Score for a Citi Bank Credit Card?

    To be eligible for a Citibank Credit Card, you need to have an above average score of 650+.

  • ✔️Can I apply Citi Bank Credit Card Online?

    Yes, you can easily apply for the Citibank Credit Card online in a few simple steps.

  • ✔️How Air Miles are earned on the Citi Premier Miles Card?

    Users earn 10 air miles per Rs. 100 spent at Premier Miles official website.

  • ✔️Does the card offer other privileges besides Air Miles?

    Yes, Citi Premier Miles Credit Card offers Lounge Access, 15% discount on Dining bills, and so on.

  • ✔️What is the annual fee charged on this credit card?

    The annual fee charged for the Citi Premier Miles Credit Card is Rs. 3,000.

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

    As per RBI circular dated January 15, 2020 on Enhancing Security of Card Transactions, all Citi Cards (both debit and credit) issued to customers including new, reissued, renewed or upgraded cards, will be enabled for Domestic ATM and Point of Sale (POS)/physical transactions only. The cards will be disabled for International and Online transactions.

    In addition, if customers have not used their existing card for international, online or ecommerce transactions in the last 3 years (including cards issued or new accounts opened during this period), usage for these purposes will be mandatorily disabled.

    Customers can 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 are the benefits of Citi bank Indian Oil Credit Card?

    The primary benefit of the Citi IndianOil Credit Card is that you save big on your fuel expenditure.