Benefits of Citi Credit Card

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Citi Credit Card Benefits

By being a Citi credit cardholder, you can enjoy exclusive benefits on dining bills, fuel spends, entertainment, travel, shopping, and other expenses. Apart from these, you use the card to make cashless payments, get an instant loan, etc. Continue reading to know more about the benefits of Citi credit cards.

Key Highlights of Citi Credit Card

The benefits of Citi credit cards include:

  • Contactless Payments

Some Citi credit cards come with the contactless payment feature which makes it effortless to pay for purchases at terminals. If your bill is ₹5,000 or less, you can simply tap your card on the point-of-sale (PoS) machine to pay. It is a safe, secure, and fast means of making purchases offline.

  • Rewards

The list of Citi credit card benefits also includes the opportunity to earn rewards against purchases. The Citibank Rewards’ catalogue covers diverse categories ranging from accessories, apparel, departmental stores, fuel, travel, hotels, dining, and so on.

  • Save on Fuel Bills

There are dedicated fuel credit cards that offer you the opportunity to earn turbo points against fuel purchases. You can avail fuel surcharge waiver too when you use a Citibank credit card at authorised Indian Oil outlets across the country.

  • Global Acceptance

One of the prime benefits of Citibank credit cards is its universal acceptance. This makes cashless buying across the globe efficient and effortless.

  • Instant Loan Benefits

There are specific Citi credit cards that allow you to take a loan on a Citi credit card instantly.

  • Lounge Access

Some Citibank credit cards let you enjoy complimentary access to airport lounges at major domestic airports so that you can relax and rejuvenate before your next flight.

  • EMI Conversion Facility

EMI conversion facility is among the most advantageous features and benefits of Citi credit cards. Citibank allows you to convert big purchases into affordable EMIs, thus helping you to manage your monthly finances efficiently.

  • Additional Benefits

Citibank also offers complimentary air accident insurance coverage on specific Citi credit cards. Further, you can enjoy exclusive sale previews at partner stores and can shop as a priority customer.

Top Benefits of Citi Credit Cards

The Citibank credit card features vary from one card to another. Each card is carefully designed to offer specific benefits to suit your needs. Following is a list of some of the top Citibank credit cards along with their perks.

Citi Cash Back Credit Card

  • Get 5% cash back on telephone and utility bill payments and movie ticket purchases

  • Avail 0.5% cash back on all other spending

  • Citi Cash Back credit card comes with an automatic redemption feature, meaning the cashback you receive is auto-credited in multiples of ₹500

  • Your unredeemed cash back never expires, therefore, you can choose to continue collecting cash back and redeem it at your discretion

  • You can enjoy benefits worth ₹3,600 in the first year alone

  • Citi Cash Back credit card makes shopping feasible as you can convert big purchases into easy EMIs

  • In addition, you can get instant loans on your Citi Cash Back credit card

Citi Rewards Credit Card

  • Earn 10 Reward Points (RPs)/₹125 upon spending on apparel and department stores. These reward points are available on online and in-store purchases

  • Similarly, you can earn 1 RP/₹125 on all other spends

  • Avail 300 bonus points on purchases of ₹30,000 or more in a month with your Citi Rewards credit card

  • You can redeem RPs via SMS any time as these points have no expiry date

  • You can enjoy the EMI conversion facility on this card

  • The Citi Rewards credit card allows you to take instant loans during emergencies

Citi PremierMiles Credit Card

  • The benefits of Citi PremierMiles credit card are endless. You can earn 10 miles on every airline transaction of ₹100 made on www.premiermiles.co.in. Further, you can get 4 Miles on every ₹100 spent

  • You can redeem miles across 100+ hotel and airline partners. Moreover, you can enjoy the opportunity to transfer miles to 14 airline and hotel partners

  • Air Accident Insurance Cover of upto ₹1 crore and Lost Card Liability Cover of ₹10 lakh are available on Citi PremierMiles Credit Card

  • Get access to major airport lounges across India with Citi PremierMiles Credit Card

  • Enjoy dining benefits and save up to 20% across participating restaurants with this card

  • Redeem miles benefits any time as these are evergreen

  • The Citi PremierMiles Credit Card offers exciting offers and deals in domestic and international locations

  • Convert big-ticket purchase into manageable EMIs with Citi PremierMiles credit card

  • Avail instant loans on Citi PremierMiles credit card

IndianOil Citi Credit Card

  • Get 4 Turbo Points/₹150 spent and 1% surcharge reversal on fuel purchase at any authorised Indian Oil outlets across the country

  • Secure 2 Turbo points/₹150 spent on groceries and supermarkets and 1 Turbo Point/₹150 on all other spendings

  • Enjoy activation benefit in the form of 250 Turbo Points on the first transaction within 30 days from the date of the IndianOil Citi Credit Card issuance

  • You can enjoy an annual fee (₹1,000 + GST) waiver on spending of ₹30,000 or above

  • Turbo Points redemption on IndianOil Citi credit card is easy as you can redeem these points via SMS or Citibank online without paying any additional charges. Remember, these Turbo Points never expire

  • With the IndianOil Citi credit card, you can turn big-ticket purchases into affordable EMIs and even avail instant loans during a cash crunch

Why Choose Citi Credit Card from Bajaj Markets

There are multiple reasons to choose Bajaj Markets to apply for Citibank Credit Cards:

  • Rewards & Discounts

Get some of the best rewards on Citibank credit cards on Bajaj Markets. Apply for credit cards online at Bajaj Markets and get credit cards packed with rewards and offers from your favourite brands.

  • One Platform, Many Cards

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

  • Stringent Security Measures

With cyber-crime a reality, you must have a credit card that ensures safety against any kind of fraud. Apply online and avail the best credit card for you now!

  • 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.

  • Joining Benefits

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

FAQs on Citi Features and Benefits

  • ✔️Which Citi credit card gives the most benefits?

    Each Citibank credit card offers different benefits. For example, the Citi Rewards credit card lets you earn 10 Reward Points every time you shop at departmental and apparel stores, while the Citi PremierMiles credit card lets you earn 4 miles on each ₹100 spent on the card. Depending on your lifestyle, you should select the ideal card for yourself.

  • ✔️What are the features of Citi credit cards?

    The Citi credit card features include contactless payment, rewards, and offers and benefits at partner stores. Moreover, you also get to convert big-ticket purchases into EMIs with your Citi credit card.

  • ✔️How are Citi credit cards beneficial for international transactions?

    One of the top benefits of Citi credit card is its universal acceptance owing to the brand’s global presence. As a result, cashless payments at international merchant locations become effortless. Also, there are several deals and discounts that can be availed in over 90 countries using Citibank credit cards.