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.
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:
If you’re a shopaholic, the following Citi credit cards are a must.
While the Citi Rewards Credit Card can be used to avail of cashback offers, a better alternative is the Citi Cash Back Credit Card.
If you spend a sizable amount on fuel expenses every month, the following Citi credit card may be the ideal match for you.
If you’re an explorer with a travel bucket list, using a Citibank travel credit card for your expenses will definitely pay-off.
Like all things luxurious? The following Citibank lifestyle credit card can be your gateway to special privileges and offers.
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.
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
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.
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.
The Citi Rewards Credit Card offers reward points that can be used to purchase fuel at Indian Oil outlets, Air Miles, cashback at the following rate:
One reward point equals ₹0.25 when purchasing fuel at Indian Oil outlets, and a minimum of 250 points is needed to do so.
One reward point is equal to ₹0.30 when used to pay for in-store purchases from partner brands, and a minimum of 250 points is needed.
One reward point is equal to ₹0.25 when redeemed against online travel agencies, and a minimum of 250 points is needed on the Citibank credit card.
One reward point is worth ₹0.30 when used for online purchases, and a minimum of 250 points is needed.
One reward point is worth 0.75 AirMiles when redeeming using AirMiles Citibank credit card, and 100 reward points are the minimum needed.
Reward points can be redeemed for cashback at a rate of 1 reward point for every ₹0.35. For this, a minimum of 10,000 points is needed.
There is no minimum amount of points needed to redeem reward points when using them against the product catalogue.
The cashback is added in multiples of ₹500 to your Citibank credit card's statement balance.
1 reward point for the First Citizen Credit Card is worth ₹0.60 in currency.
The reward points are automatically posted to your Shoppers Stop First Citizen account and can be used at any Shoppers Stop outlet or on their website.
In India, Arcelia, Homestop, Clinique, Jo Malone, Bobbi Brown, Estee Lauder, M.A.C., and Smashbox stores accept reward points in exchange for purchases.
Earned reward points can be exchanged for gift certificates for well-known electronics and clothing companies from the Citi Prestige Reward Catalog.
Rewards points can be transferred as AirMiles to frequent flier programmes of affiliated airlines. 4 Airmiles = 1 Reward Point. Etihad Airways, Air India, Singapore Airlines, Qantas Flying Blue , and Qatar Airways are just a few of the airlines that Citibank partners with.
It is also possible to transfer reward points to affiliated hotel loyalty programmes, such as Taj InnerCircle or IHG Rewards Club. In that case, 1 Reward Point is equivalent to 1 Taj InnerCircle point. Alternatively, Reward Point is equivalent to 4 IHG points.
With the Prestige card, reward points can now be redeemed for purchases via SMS.
Additionally, you can also use your earned reward points to pay off the debt on your Citibank credit card.
The miles earned would be transferable to airline partners or hotel reward programmes, or they can be redeemed on more than 100 different airlines. Miles can be transferred in a 2:1 ratio, meaning that 1 PremierMile is equivalent to 0.5 Miles from partner airlines. Cathay Pacific, Thai Airways, Turkish Airlines, Eva Air, Malaysia Airlines, Etihad Airways, and Air India are just a few of the partner airlines.
Along with these travel-related expenses, the Miles can also be used to pay for gift cards from Citibank's Rewards Catalog. Alternatively , you can use it on purchases at specific stores, and petrol at specific Indian Oil filling stations.
With the IndianOil Citibank credit card, you can accrue reward points known as Turbo Points. These can be exchanged for fuel, in-person purchases from partner retailers, online purchases, AirMiles/InterMiles, cashback. There are other rewards at the following rate:
1 Turbo Point = ₹1. It may be redeemed for fuel at authorised IndianOil outlets.
1 TP is equal to ₹0.25 when redeemed against online purchases made at travel websites.
1 TP = ₹0.30 for redemption against the other online purchases.
1 Turbo Point is equal to ₹0.30 when redeemed against in-store purchases at partner brands.
1 TP equals 0.75 AirMiles or InterMiles when redeemed against them.
1 TP = ₹0.35 for redemption against rebate.
To redeem for petrol or for online or offline purchases, you must have at least 250 Turbo Points. For redemption against AirMiles/Intermiles, a minimum of 100 Turbo Points are needed, while a minimum of 10,000 Turbo Points are needed for cashback redemption. However, there isn't any minimal quantity of Turbo Points needed to redeem gift cards.
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.
Savour mouth-watering cuisine at discounted rates in India and abroad with the Citi Cash Back credit card.
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.
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
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.
Avail of a 1% fuel surcharge waiver for fuel transactions carried out at authorised Indian Oil outlets with the Citi IndianOil Credit Card.
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.
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.
Apart from free flyer miles, Citi credit cards also give you access to both Indian and international airport lounges.
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.
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 customercare@citi.com.
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.
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!
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!
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.
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!
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.
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.
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.
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.
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.
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.
Citi Rewards Credit Card is the best Citi credit card. It offers the best benefits, cashbacks, and rewards across lifestyle, travel and other verticals.
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.