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    CitiBank Credit Cards

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    CitiBank Credit Cards Reviews

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    Citibank Credit Cards Overview:

    Citibank started its banking operations over a century ago in 1902. Now, Citibank is a significant market player and foreign investor in the Indian financial market. Citibank has an operational presence of over 45 branches in 28 cities. The bank serves to the banking needs of an elite clientele by offering services in personal finance, investment banking and asset management. Citibank’s comprehensive credit card portfolio has cards under travel, shopping, fuel and lifestyle categories. With countless benefits accompanying each card, Citibank’s credit card will also reward you handsomely with each spend.

    Products Offered by Citibank India:

    Citibank India offers a wide range of consumer, retail and corporate banking products and services. Products cover every segment of the society, right from salaried class, emerging affluent, the affluent and all the High-Net-Worth individuals.

    Apart from the general accounts like Savings Accounts, Current Accounts, Salary Accounts, etc., the bank has been a major player in the Credit Card segment with about 2.3 million credit cards in force.

    Further, the bank offers several types of loans like home loans, personal loans, car loans and so on also.

    Why Choose Citibank Credit Cards:

    Citibank Credit Cards come with countless benefits like attractive reward schemes, international recognition and wide acceptance. There is one credit card to meet every lifestyle need of the customer, be it travel or shopping.

    • Insurance Benefits with Credit Cards
    • Many Citibank credit cards come with insurance benefits including travel accident coverage, lost luggage insurance and health insurance.

    • Exclusive Reward Points Scheme
    • With Citibank Rewards, you will be able to earn reward points at an accelerated rate and redeem it against exclusive vouchers, special deals and merchandise.

    • Variety of Credit Cards
    • There’s one Citibank card for everyone - with a wide range of specially crafted cards, you will be able to easily find the card which is best suited for your lifestyle needs.

    Features and Benefits of Citibank Credit Cards:

    Cardholders have 24/7 access to all the credit card details through customer hotline, SMS and internet banking facilities. Credit card bills can be paid online and a standing instruction can be set up to pay either the total amount or the minimum amount due. The credit card bills can also be paid from phone using Citi Mobile. Easy Instalment options are offered on all spends made using Citi credit card with low interest rates and flexible tenures. Also, the reward points that come with Citi credit cards can be redeemed instantly through the online catalogue, SMS or web portal.

    Why Apply for Citibank Credit Cards through BankBazaar?

    BankBazaar is a one stop shop for credit cards and other financial products where you will be able to explore in detail about every product. BankBazaar will curate a list of cards based on your lifestyle needs and requirements which will make the whole selection process easier. Also, you will be able to compare cards, find other information and apply for a selected credit card. What more, you will also be offered an instant e-approval for your application.

    How to Apply for a Citibank Credit Card through BankBazaar?

    On the BankBazaar’s homepage, under the top pane, select credit cards. You will be able to view a list of banks offering credit cards and you can choose any bank or card that you would like to explore more about. You can easily apply for Citibank credit card by choosing Citibank and comparing the credit cards offered by Citibank. After shortlisting a card, you can instantly apply by clicking on “Apply” and filling in your personal information. You will also get an e-approval immediately after the application.

    Citibank Credit Card Eligibility and Documentation:

    Citibank Credit Cards Eligibility Criteria

    • The applicant should be between 18 to 70 years of age.
    • He must have a commendable CIBIL score.
    • The applicant must have a fixed monthly income.
    • Should be a resident of India.

    The income requirement varies depending on the card. Also, certain credit cards have special criterion. Do enquire with Citibank before proceeding with the application.

    Citibank Credit Card Documentation Requirements:

    The following documents will have to be submitted while applying for a Citibank Credit Card.

    • One passport size colour photograph
    • Address proof like ration card, electricity bill
    • Photo Identity proof like voter ID, driving licence.
    • Sign on a consent form.

    Citibank Credit Card Details:

    1. Citibank Travel Credit Card:
      1. Citibank PremierMiles Credit Card:
      2. This card is specially crafted to suit the travel needs of a person who is a frequent air travelers by offering Air Miles and travel insurance cover.

        • Specially designed for the frequent flyers, PremierMiles card comes with Air Mile points for every travel booked using the card.
        • Air Miles can be redeemed across 100 domestic and international airlines.
        • Cardholders stand to get 10 Miles for every Rs.100 spent on airline transactions. 3000 Miles are awarded upon card renewal.
        • PremierMiles card also offers complimentary access to premium airport lounges across India.
        • Other features that come with the card include travel insurance coverage, loan on credit card and exclusive travel & dining deals.

    2. Citibank Shopping Credit Cards:
      1. Citibank Rewards Card:
      2. Citibank Rewards Card will let you earn even when spending, with exclusive benefits and privileges that comes with it.

        • Citibank Rewards credit card lets you earn reward points faster and the reward points can be used to claim exclusive travel deals, premium merchandise and other offers.
        • Cardholders stand to earn 10 reward points for every Rs.125 billed to the card at any of the merchant partner stores.
        • As welcome rewards, cardholders are offered 1500 bonus points and 100 bonus points for the first Rs.1000 billed to the card.
        • Bonus points do not expire and can be redeemed against attractive options including holidays, air miles, cash back offers and premium merchandise.
        • Personal concierge services, dining & shopping privileges and EMI privileges are the other benefits that come with this card.
      3. Citibank Rewards Domestic credit Card:
      4. This card is specially designed for the Indian shopper to offer the best deals and benefits while spending across the country.

        • With Citibank Rewards Domestic credit card, customers can get the best deals in India including up to 20% savings at restaurants and other retail outlets.
        • With the flexible redemption program and points that do not have an expiry date, cardholders can enjoy attractive redeeming options like holidays and premium merchandise.
        • When Rs.30000 or more is billed to the card in a year, no annual fee is charged for the card.
        • All purchases made using the Rewards Domestic card can be converted to easy instalment plans with flexible tenures and low interest rates.
        • Reward points can be instantly redeemed at over 600 partner stores including Shoppers Stop, Westside, Landmark and Reliance outlets across India.
      5. Citibank Cash back Credit Card:
      6. Make your everyday purchases naturally rewarding with this card that offers you cash back on essential spends and discounts across restaurants.

        • With Citibank Cash back card, customers can get cash back offers and other exclusive rewards on their everyday spends on essential and non-essential items.
        • Cardholders stand to get 5% cash back on movie ticket purchases, telephone bill payments and utility bill payments.
        • All the cash back is automatically credited and redeemed in multiples of Rs.500.
        • Also, you can get up to 20% savings across 2000 restaurants like Pizza Hut and Costa Coffee with Citibank credit cards.
        • Other value-added services on the card are instant loans, EMI option on spends above Rs.2500 and attractive balance transfer options.
      7. First Citizen Citibank Titanium Credit Card:
      8. With accelerated reward scheme for First Citizen points, cardholders will be able to grab the best offers and deals in retail shops and wellness centres across India.

        • Specially designed for the smart shopper, Citibank First Citizen card will enable the cardholder to get accelerated rewards and ease the redemption process.
        • Cardholders get 7 First Citizen points for every Rs.100 spent on private label brands and 5 First Citizen points for Rs.100 spent at Shoppers Stop.
        • Also, other in-store exclusives and privileges like sales previews, exclusive payment counters and complimentary parking is offered to the First Citizen cardholders.
        • When Rs.30000 is billed to the card is a membership year, no annual fee is charged.
        • Cardholders can also claim exclusive beauty and wellness offers at popular beauty salons, spas and fitness centres across India.
      9. Citibank Platinum Credit Card:
      10. Designed for the elite, Citibank Platinum card will open a new world of exclusive experiences and special privileges.

        • Carefully crafted to make every purchase a rewarding experience, Citibank Platinum card lets you earn higher rewards, personalized service, exclusive privileges and a variety of redemption options.
        • Cardholders get access to dedicated 24/7 concierge assistance and exciting offers on travel, dining and entertainment.
        • Every time Rs.125 is billed to the Citibank Platinum card, one reward point gets credited. Reward points can be easily redeemed across merchant partner stores across India.
        • Using Citibank Platinum credit cards, customers can pay all the utility bills online and credit card dues.
        • Cardholders can easily access their credit card accounts anytime through the internet banking portal and CitiAlert.

    3. Citibank Fuel Credit Cards:
      1. IndianOil Citibank Platinum Credit Card:
      2. For a person who hits the road frequently, IndianOil Citibank Platinum card will help save on fuel costs substantially and also earn other rewards.

        • Cardholders earn Turbo Points on all purchases made at IndianOil outlets across India.
        • When a fuel purchase of Rs.150 is made at any authorized IndianOil Retail outlet, 4 turbo points are credited to the account. 2 turbo points are offered when Rs.150 is spent at grocery stores and supermarkets.
        • Turbo points can be redeemed for free at IndianOil retail outlets. 1 turbo point fetches you Rs.1 worth free fuel.
        • When Rs.30000 is billed to the card in a year, the annual membership fee is waived.
        • Other privileges include exclusive concierge service, 20% savings on restaurant spends and flexible rewards redemption scheme.
      3. IndianOil Citibank Titanium Credit Card:
      4. This card is the perfect choice for earning rewards and saving on fuel purchases. With Turbo points, cardholders can get discounts at IndianOil outlets and other deals at supermarkets.

        • With IndianOil Titanium card, cardholders can save over 5% on fuel bills at IndianOil outlets which will fetch them up to 71 litres of free fuel every year.
        • 4 Turbo points are offered on fuel purchased worth Rs.150 at IndianOil outlets, 2 Turbo points are offered for every Rs.150 spent at supermarkets and grocery stores.
        • Turbo points can be utilized to get free fuel at IndianOil outlets or can be converted to gift vouchers for products and services from distinguished brands. Turbo points never expire.
        • Other value added services on the card include instant loans, EMI option, easy payment options and balance transfer options.
        • When Rs.30000 is billed to the card in a membership year, the annual fee on the card is waived.

    4. Citibank Lifestyle Credit Card:
      1. Citi Prestige Credit Card:
      2. Citi prestige Card is the ticket to a new world of luxury and special privileges including travel deals, complimentary lounge access and free insurance coverage.

        • Citi Prestige card is your passport to a world of exclusive privileges, luxury travel upgrades and the highest level of service.
        • Cardholders get 10000 air miles and vouchers worth Rs.10000 from Taj or ITC Hotel group every year.
        • A true lifestyle choice, this card comes with unlimited complimentary priority passes for lounge access at over 700 airports for both the primary and supplementary cardholder.
        • Cardholders also enjoy peace of mind with overseas medical cover worth USD 50000 and air accident insurance of Rs.5 crores.
        • Other benefits and privileges include 20% savings at luxury spas, access to premier golf courses across world and British Airways Executive club upgrade.

    5. Citibank Corporate Card:
      1. Citibank Corporate credit card:
      2. Corporate organizations can benefit immensely by using the Citibank Corporate credit card, which offers excellent member privileges inclusive of a centralized travel and expense management system tool, rewards program and dedicated relationship managers to help customers.

        • Organisations can efficiently manage their company expenses and access all the required statements online anytime, using the Visa Intellilink Spend Management System.
        • As one of the unique travel benefits, employees can enjoy compete freedom from getting foreign exchange issued in advance whenever they have to travel abroad.
        • The Citibank Corporate credit card also offers exceptional rewards point benefits with employees earning points on every single purchase done.
        • Card holders can also get up to 55% savings on various business products, travel deals, hotel accommodation, car rentals, dining and much more.
        • Citibank also offers preferential rates to card holders on travel packages, shopping, spa and golf packages in India and at over 30 countries across the world.

    About Citibank:

    Citigroup is an American banking and financial services corporation headquartered in New York. Citibank is the consumer banking division of Citigroup that was founded in the year 1812. In India, Citibank began its operations in 1902 in Kolkata. Since then, Citibank has been an important foreign player in the Indian banking front. Citibank was also the first bank to launch a dedicated platform to serve the financial needs of NRI’s. Currently, Citibank operates in over 28 Indian cities with 45 full-service branches. Citibank employs around 11,400 professionals and is the preferred banker for around 45,000 SME’s. The bank offers a wide array of diverse financial solutions including investment banking, wealth management, private banking, consumer & corporate banking and equity brokerage to serve the ever-growing banking requirements of the Indians.

    Citibank entered into the credit card business in the 1960’s. Now, the bank offers a number of cards carefully designed to suit the lifestyle needs of cardholders. The cards come in four different categories namely travel, shopping, fuel and lifestyle.

    FAQ’s for Citibank Credit Cards

    1. What are the different categories of credit cards from Citibank India?
    2. Citibank India offers credit cards in categories such as travel, shopping, fuel & lifestyle. In addition, the bank also extends corporate card for companies and institutions.

    3. I am a frequent air traveler and interested in Premier Miles credit card from Citi. Please tell me more on how much miles I can earn.
    4. Premier Miles card is exclusively designed to meet the needs of the discerning air traveller. You can earn 10 miles for every Rs.100 spent using this card for all airline purchases. In addition, you also accumulate 10 miles on every Rs. 100 spent on premiermiles.co.in and on partner sites. The reward points earned can be easily redeemed towards flights, hotels & car rentals.

    5. What are various reward cards Citi offers for shoppers?
    6. You can earn attractive reward points on spends with various merchant establishments in India and abroad with

      • Citibank Rewards Card
      • Citibank Rewards Domestic Credit Card
      • First Citizen Titanium Credit Card
      • Citibank Platinum Credit Card

    7. How does the Citibank credit card referral program work?
    8. If you’re an existing card member with Citibank, you can refer family and friends to apply for a Citibank credit card and get attractive referral bonus. Visit online.citibank.co.in and navigate to the referral program section under credit card main menu and follow the instructions. You can get a minimum of Rs. 2,000.00 on each referral card issued.

    9. What is a Citibank add on credit card?
    10. Citibank issues secondary credit card for the primary account with the same terms and conditions. The card will bear a unique 16 digit card number linked to the main account for billing purpose. A primary card holder can take an add on card for spouse, children and immediate family members.

    11. I keep hearing about IndianOil Citibank credit card. Tell me more about this.
    12. This is a rewards cards tailor made to earn maximum turbo points by purchasing fuel using this credit card at any on the IndianOil retail outlets across the country. In addition, you can also earn points by using the card at various merchant establishments for shopping and dining. Redeem the turbo points earned at any of the IndianOil outlets for free fuel. Each turbo point is worth Rs.1.00. IndianOil Citibank credit cards are available in Platinum and Titanium versions.

    13. I am looking for lifestyle card from Citi. What are my options?
    14. The bank offers Citi Prestige Card, a premium lifestyler credit card which is your passport to exclusive privileges & deals. Get unbelievable discounts on first and business class tickets, complimentary stays at star hotels, limousine airport transfers & a lot more. In addition, you are also eligible for chic deals at major golf courses, spas and luxury shopping centers.

      Plus, 1 reward point for Rs 100 spent locally & double points for overseas spends.

    15. Elaborate on the features & benefits of Citibank Corporate Card.
    16. This card is tailor made to meet the credit needs of corporate employees. All the cards issued under this scheme can be centrally monitored with a single window access which makes it easy for the accounts department to manage expenses.

      For the employees, travel hassle free and earn exciting rewards. As a Citibank corporate credit card holder, you not only get to use this card for work related expenses, but also become eligible for special deals on shopping, travel, entertainment, spas, golf, hotel stays around the World.

    17. A friend told me about First Citizen Citibank Titanium Credit Card, a co-branded card with Shoppers Stop. What are the features?
    18. This card is designed to reward the shopaholics who frequent Shoppers Stop and other shopping centers. Some of the features of this card are

      • Earn up to 7 First Citizen Points for every Rs.100 spent at Shoppers Stop outlets across the country.
      • Get 1 reward point for the same spend elsewhere.
      • Each First Citizen Point is worth Rs. 0.70. The points can be easily redeemed at all Shoppers Stop outlets.
      • As a welcome gesture, get vouchers worth Rs. 250 redeemable at Shoppers Stop when you sign up for the card.
      • Purchase anywhere within the first 30 days of card issuance and get 500 reward points free.

    19. What is the annual fee for Citibank Rewards Domestic Credit Card.?
    20. The annual fee is Rs. 1,000. If the annual spend on the card is Rs. 30,000 or more, this fee is waived for first year only. The current interest rate is 3.25% per month.

    21. Please list misc fees and charges applicable on Citibank credit cards.

    22. Cash Withdrawal fees 2% of the amount withdrawn subject to a min.of Rs.300
      Over Limit Charges 2.5% of the over limit amount subject to a min. of Rs.500
      Late Payment Charges Current balance up to Rs.10000 - Rs.300 Current balance from Rs. 10001 - 25000 - Rs. 600 Current balance above Rs.25000 - Rs.700
      Cheque Bounce/ECS Return Rs. 350 per return
      Fuel Surcharge 2.5% of the transaction amount subject to a min. of Rs. 10.

      In addition to the above, there are fees are charges levied on a range of transactions. You can get further details website of Citibank India.

    23. How do I know how much points are accumulated on my Citibank credit card?

      • The summary of rewards points earned & spent are generally detailed in the monthly statement.
      • You can also get the break up with your Citi online account.
      • SMS REWARDS XXXX to 52484 (XXXX is the last 4 digits of your card)

    News About Citibank Credit Card

    • Cleartrip discounts for Citibank Customers

      Citibank has tied up with Cleartrip to bring its customers great travel deals. The offer is valid only on the first 5,000 transactions. Customers can make bookings till February 2nd, 2016 on the website or through the mobile app. On domestic round trip flights, there is a 50% saving on the base fare up to a maximum of Rs. 1,500. For domestic and international hotel bookings, customers can instantly save up to 50% up to a maximum of Rs. 4,000. For the adventurous, this tie-up brings customers 50% savings on activities up to Rs. 2,000. All Citibank debit and credit cards are valid except for the ING White Label Credit Cards and Corporate Cards. The offer will be valid only for the first booking made in the respective category chosen. Customers can enter the code “CTFSCITI” to get the discount. Customers can also choose EMI options and still avail of this discount.

      1st February 2016

    • Citibank India sees increased usage on digital platforms

      As one of the top banking institutions in India, Citibank India has seen a drastic increase in the number of transactions done on digital platforms. Banks have generally been innovating with regards to their digital banking strategies and have been launching new products to keep in tune with market trends. Citibank India recorded an increase in mobile banking transactions for a value of Rs 473.56 crore, earlier this year. With instant discounts offered by online merchants, credit card transactions have doubled and are currently driven mainly by online spends. The market share for Citibank’s credit card spends have increased by 1.4 to 1.5 times and as per a McKinsey report, about 21% of the Citibank credit card bookings are done online. As per data released by RBI, as of May 2015, Citibank’s credit card base was around 2.4 million. The retail portfolio of CItibank also saw a growth of 12%, with the overall profit increasing by 18%, up to Rs 3,423 crore. Citibank has also come with an innovative online personal loan disbursal process with an end-to-end sanctioning procedure available to borrowers.

      25th November 2015

    • Integrated banking product launched by Citi

      Targeted at people below the age of 40, Citi is presenting various offerings that addresses various banking needs. According to an in-house study, there is a class of wealth builders emerging, especially in India, whose banking needs related to savings, international lifestyle and travel and management of wealth are varied and unusual. In order to address this, ‘Citi Priority’ is being offered. As part of this, for the first time ever, credit cards and debit cards are being combined.

      This service is based on a relationship value of Rs. 15 lakh per year including mortgages, travel related bookings, credit cards and savings, and in case the value reduces, fees are implemented.

      ‘Priority’ has been launched in four other markets apart from India and will be launched in six other markets in the near future. It is expected that around ten percent of the individual account holders would sign up for this new offering. For Citi India, a fifth of overall revenues is constituted by the youth segment which is also outgrowing other segments by three times. This new offering is also expected to not have an impact on long term revenues.

      6th October 2015

    • Co-Branded Digital Wallet Introduced in Indian Market by Citibank and MasterCard for Debit/Credit Cardholders

      In India, Citibank and Mastercard have come together to launch a digital wallet called the “Citi MasterPass”, in order to enhance efficiency, security and convenience for the Bank’s customers. This e-wallet is designed with the purpose of facilitating a better online shopping experience for debit cardholders and credit cardholders, at various online stores. Online shopping is a preferred mode of purchase for most consumers and this has alternately increased the rate of online transactions. Thus, there is an increased need for secure payment methods that are available digitally. Card details and shipping information is securely stored within this newest innovation co-branded by MasterCard and Citibank. At the checkout in select e-commerce websites, the payment option of “Buy with MasterPass” will be provided. Customers can skip the hassle of entering their details over and over again but just paying through their “Citi MasterPass”.

      31st July 2015

    • How to make the Best Use of your Credit Card’s Reward System?

      Most of the credit cards offer reward points when you make purchases using the card. These reward points, in turn, can be redeemed against a variety of options. The effectiveness of your credit card’s reward system is based on how often you spend and the redemption choices. Some banks like ICICI has partnered with several retailers to offer a good mix of redemption choices for reward points. ICICI also allows conversion of reward points to cash to reduce the credit card bill.

      Depending on the spending avenues of the cardholders, the redemption choices are sometimes customized. For example, Citibank Premier Miles Credit Card, crafted exclusively for frequent travellers, offers plenty of travel benefits like Air Miles, Lounge Access at airports, etc. If you want to get the best out of your credit card purchases, be well-informed of the benefits, reward schemes and redemption choices that come with your card.

      19th May 2015

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