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Citibank 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

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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.
  • 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.
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CitiBank Premier 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.
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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.

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.

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.

Reward Redemption on Citi Credit Card

1. Citi Rewards Credit Card

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.

2. Citi Cash Back Credit Card

The cashback is added in multiples of ₹500 to your Citibank credit card's statement balance.

3. First Citizen Citi Credit Card

  • 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.

 

4. Citi Prestige Credit Card

  • 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.

5. Citi PremierMiles 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.

 

6. IndianOil Citi Credit Card

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.

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 customercare@citi.com.

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! 

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.

Citi Bank Credit Card Reviews

Citi Bank Credit Card Reviews

4out of 5

15 reviews

Good!

CITI has provided excellent discounts and advantages for the past two months. As a result, I chose this card and applied online. It is a 500 rupee annual fee, but there is a waiver option if I spend 30K within a year. The credit limit is set at Rs. 65,000. This card is eligible for EMI conversion.

Best card!

CITI Bank provides excellent customer service and consistently ranks first in response times. They gave me a Rs. 1 lakh credit card, which I have used extensively for shopping, dining, EB bill payment, rent payment, and the Amazon vouchers I receive on a monthly basis.

Worth it!

I applied for a CITI card online and submitted all of my documentation online, as well as having a bank agent come and collect the hard copy of my documents. I received the card in a timely manner. The processing fee and other charges were reasonable. The card's only value is that I can use it to get a discount at a gas station.

Happy!

The CITI has suggested a cost of 1000 rupees each year, but I can get it waived if I spend Rs. 30,000 in a year. I received a call on schedule, the process went smoothly, and I had the card and package within 6 working days. The credit limit is adequate, and I earn reward points dependent on how much I use it. I get reward points and cash back, which is great. Conversion to EMI is possible.

Awesome!

I've been using the CITI card for the past two months with a credit limit of 56,000 and no problems. Because it was an Indian oil card, it was a free card with gasoline perks. I used an agent to submit the appropriate documentation. I chose this card since the bank's service was excellent.

Satisfied!

This is a reward credit card that I've had with CITI Bank since 2007, and it comes with a slew of perks, including reward points, discounts, and more. I may use my points to buy gas from Indian Oil, and this is a free card with a substantial credit limit of Rs. 3L. EMI choices are available, and they are commonly used for shopping and fuel. I get access to two domestic and one foreign airport lounges per quarter.

Satisfied!

The procedure went smoothly. The card arrived in 20 days. The credit limit is quite low; a credit limit of roughly 1L was predicted, but only 60K was received. I completed the first payment without difficulty. I use this card on a daily basis and have accumulated a lot of reward points. I've just done a few little transactions up to Rs. 10,000, so I haven't converted to EMI yet.

Good enough!

I received a 1000 rupee annual fee chargeable card from CITI, however the price will be waived if I spend Rs. 30,000 in a year. The credit limit is adequate and good. I received the call on schedule and the card two weeks later. Because I already have another bank card, I chose this one. Swiggy and shopping are two things I use it for.

Great service!

Customer service at CITI was excellent. An executive personally collected the documentation. I received the card within a week. They offered two options: a free card or a cost card. With the fee card, I received more features and perks. As a result, I preferred that. Because my credit limit is insufficient, I am receiving two complimentary movie tickets every month from Paytm.

No issues!

In CITIBank, the interest rate was extremely high; the interest rate needed to be reduced. They provided a sufficient credit limit, there are some annual fees, and I believe there is a Rs. 500 waiver. I'm getting money back on all of my purchases, and the process was incredibly simple.

Big Savings on Fuel

With sky-rocketing fuel prices, I needed a Credit Card that could help me save on this ever increasing expense of mine. The INDIANOIL AXIS BANK Credit Card was just what I needed. Helped me save big-time.

All-rounder Card

Choosing the MY ZONE Card was a very good decision as I got many vouchers with it! Plus the online process of applying for this Credit Card on Finserv MARKETS was very smooth. Highly recommended if you are looking for an all-in-one card.

Best Card for Savings on Fuel

I have been using the INDIANOIL AXIS BANK Credit Card for quite some time now and I must say this is your go-to card if you are looking to save on your fuel expenses. I was also extremely satisfied with Finserv MARKETS portal as my application got approved in just a few clicks.

Great Offers!

I have the NEO Credit Card and it has proved to be a complete all-rounder for me! I got discounts on shopping, movie tickets, and it was extremely easy to convert my spends into smaller EMIs. Applying on Finserv MARKETS was very simple. I am totally satisfied with this card.

Quick & Easy Process

I have taken MY ZONE Credit Card from Finserv MARKETS. I have just started using it and the best part is that I got an approval real quick and the application was very easy to fill.