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Citi Credit Card Limit Check

The credit card limit is the total funds available on your credit card that can be used for purchases. It is closely related to the outstanding balance, which is the amount that has been spent on the card. The more you spend on the card, the lesser is the available balance. As a result., it is important for you to know the credit card limit on your card so that you can use it to its fullest without the risk of overspending and paying an over-limit fee.

If you are a Citibank credit cardholder, you can check your credit card limit easily through online channels as well as through offline methods.

How to check your current credit card limit?

You can avail any one of the below-mentioned facilities to check your Citi card limit.

Citi Credit Card Balance Check Through Net Banking

Using your net banking account, you can check your Citi credit card limit online. If you are registered for the service, all you need to do is follow the steps mentioned below and you will know your Citi card limit.

  • Visit the Citibank net banking portal
  • Log in to your account using the credentials
  • Go to the 'Credit Card’ tab on the home page
  • From the drop-down select the credit card
  • Click on 'View account summary'

Once the request is processed, you will be able to view your credit card summary in detail, which will contain the details of your Citi credit card balance.

Citi Credit Card Balance Check Through SMS

You can also check Citi credit card limit using your registered mobile number by sending an SMS in the format mentioned below-

Telecom Operators

Send to

Message format

Vodafone / Aircel / Idea

52484

'CARDBAL’ <space> <last 4 digits of credit card number>

Other telecom users

+919880752484

'CARDBAL’ <space> <last 4 digits of credit card number>

Citi Credit Card Balance Check Through Customer Care

You can also check credit card limits in real-time by calling the Citibank credit card helpline and connecting with a customer care executive. The numbers are-

1860 210 2484 (For people calling from across India)

+91 22 4955 2484 (For people calling from outside India)

How to Increase the Limit of Your Citi Credit Card?

Citibank credit card credit limit increase offer is a special pre-qualified offer that is offered to some eligible users based on the usage, card performance, and several other parameters. If the bank has found you eligible and has contacted you for the same, you can respond to the offer through any of the methods mentioned below-

  1. Send a blank email to cards.service@citi.com mentioning "I accept the increase in credit limit" on the subject line
  2. Send ‘YES CLI’ as SMS to 52484 or +919880752484, from your registered mobile number
  3. Log in to your Citibank net banking account and use the 'Your Queries' option to write a response to the bank
  4. Call on the 24*7 Citibank customer care service, CitiPhone

No documents are required to be shared in case of such an offer. However, the final decision for Citi credit limit increase is taken by the bank after considering real-time credit checks and offer validity.

If you have not received an offer but wish to have more funds available on your card, you can also apply for Citibank credit card credit limit increase. To do so you would need to write an email to retail.dox.india@citi.com from your registered email ID requesting for the same, mentioning your credit card number, and attaching a copy of any of the self-attested documents listed below-

  • The latest copy of your Individual Income Tax Return along with income computation details
  • Your salary certificate or payslips of the last two months
  • Form 16 (which has been attested and sealed by the authorized signatory (name and designation))

If not by email, you can place the Citi credit limit increase request by writing a letter mentioning your credit card number, signing it, attaching a copy of any of the self-attested documents listed above, and mailing it to the official Citibank address- Citibank N.A, Mail Room, Acropolis 9th floor, Dr. Radhakrishnan Salai, Mylapore, Chennai - 600 004.

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Frequently Asked Questions about Citi Credit Card Limit Check

  • ✔️What is the limit of Citi credit card?

    The Citi credit limit is the total funds available on your credit card that can be used for purchases. This limit is decided by the bank when the card is assigned to you. However, the bank may review your card performance and reach out to you with the Citi credit card increase limit offer.

  • ✔️How can I know my Citi credit card limit?

    You can check Citi credit card balance either through net banking online service, by sending an SMS to the bank or by calling the Citi credit card customer care and requesting the representation to check Citi credit card credit limit.

  • ✔️How to increase my Citi Credit card limit?

    If the bank has reached out to you with an offer to increase Citi credit card limit, you can respond to it by calling the helpline, writing an email, sending an SMS, or by using the ‘Your Queries’ option in your account. You can also request for a Citi card limit increase sending your self attested documents by mail or post to Citibank, mentioning your credit card number.