‘Less is more’ is what Citibank follows when it comes to credit cards. The bank offers one credit card for each category making it easy for the customer to make a choice. Citibank offers credit cards for travel, fuel, lifestyle, cashback and rewards.
|Name of the card||Joining Fee (In Rs)||Annual Fee (In Rs)|
|Citi Prestige Credit Card||20,000||20,000|
|Citi PremierMiles Credit Card||3,000||3,000|
|IndianOil Citi Platinum Card||1,000||1,000 (Annual fee will be waived on spending in a membership year|
|IndianOil Citi Titanium Card||1,000||1,000 (Annual fee will be waived on spending in a membership year|
|Citi Rewards Card||1,000||1,000 (Annual fee will be waived on spending in a membership year|
|Citibank Rewards Domestic Card||1,000||1,000 (Annual fee will be waived on spending in a membership year|
|Citi Cashback Card||500||500|
|First Citizen Citi Credit Card||500||500 (Annual fee will be waived on spending in a membership year|
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.
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.
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.
Many Citibank credit cards come with insurance benefits including travel accident coverage, lost luggage insurance and health insurance.
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.
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.
It would not be an overstatement to say that credit cards have revolutionised the financial world today. These small plastic cards have had and continue to have a significant impact on the economy today. Apart from being vital tools of spending, credit cards are also used to determine an individual’s creditworthiness and financial behaviour as well. A huge number of individuals worldwide use credit cards today due to the convenience offered. This financial tool was first introduced in the 1950s and is highly popular today. This is due to the number of benefits provided by credit cards. Apart from using it to purchase goods and services, using credit cards can also result in the individual availing certain rewards such as AirMiles, reward points and discounts on shopping and dining at partner merchants.
Credit card reward points can be redeemed for certain other gifts from the company’s catalogue. AirMiles and entry to various airport lounges can also be availed by individuals. Cardholders can also use their credit card to pay utility bills as well as withdraw money, which is however not advisable. Unlike debit cards, when customers use credit cards, funds are not withdrawn from their own account but are provided on a credit. Essentially, credit cards are similar to small loans that can be procured every time they swipe their card. Therefore, cardholders will have to repay the same in the form of monthly bills.
Customers have the option to pay the entire bill in full which is recommended or pay as much as they can. Additionally, customers can also just pay the minimum amount due and pay the rest at a later date. However, in case cardholders do not pay their bill amount in full, interest will be applicable on the remaining amount. Therefore, with each subsequent payment customers will end up paying more due to interest. If payment is still not made on time, they will end up having to pay a huge bill which will create a dent in their finances. Therefore customers need to ensure that they use their credit cards judiciously.
For the above reason, credit cards are not provided to all but only those who meet a certain eligibility criteria. This is usually dependent on the individual’s income, age, location and credit score among others. A number of banks and institutions today provide credit cards to customers.
Founded in 1812 in New York, Citibank has since gone on to become one of the top banks in the world. This bank is the consumer division of Citigroup, a financial services multinational company. As part of its banking portfolio, Citibank provides customers with a plethora of products and services, tailored to cater to every customer’s individual need and requirement.
Some of the products and services offered include debit cards, loans and credit cards. A number of credit cards are provided by Citibank and can be chosen by the applicant based on his/her needs and requirements.
Customers can apply for Citibank credit cards either online or offline.
In order to apply online, customers will have to visit the official website of Citibank and choose the option ‘Credit Card’ from the menu on top of the homepage. Once this option is selected, a drop-down menu will appear wherein customers can either view all the credit cards available, or apply for one by selecting the ‘Apply for a Credit Card’ option. This option can be selected once individuals know which card they wish to procure. Applicants will then be redirected to another page wherein they will have to fill in the application form with the required details such as their professional details, personal details and so on. A representative from Citibank will get back to the customer once the application has been sent.
Additionally, customers can also send an email to Citibank in case of further queries.
Another option that can be availed is to apply for a Citibank credit card from financial websites such as BankBazaar.com. In order to do so, customers will have to visit BankBazaar.com and click on ‘Cards’ and then ‘Credit Cards’ from the option available in the home page. They will then be redirected to a page wherein they can see the list of credit cards available. Additionally, customers can also customise the list of cards based on certain filters. They will have to filter this list by selecting ‘Citibank’ from the list of banks. Once customers find the credit card from Citibank they are interested in, click on the ‘Check Eligibility’ option. If eligible, applicants can select ‘Instant Apply’, fill up the form and submit the same.
Customers can also apply for a Citibank credit card offline. Applicants will have to visit the nearest branch of Citibank and ask to apply for a credit card. They will have to fill up the required application form with all necessary details such as their income, personal information and so on. In case they meet the required eligibility criteria, the application will be taken forward.
Additionally, customers can also contact the Citibank customer care number at 1860 210 2484 at any given point of time as it is available 24/7.
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.
Citibank Credit Cards Eligibility Criteria
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.
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.
Features & Benefits of Citibank PremierMiles Credit Card
Citibank Rewards Card will let you earn even when spending, with exclusive benefits and privileges that comes with it.
Features & Benefits of Citibank Rewards Credit Card
This card is specially designed for the Indian shopper to offer the best deals and benefits while spending across the country.
Features & Benefits of Citibank Rewards Domestic credit Card
Make your everyday purchases naturally rewarding with this card that offers you cash back on essential spends and discounts across restaurants.
Features & Benefits of Citibank Cash back Credit Card
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.
Features & Benefits of First Citizen Citibank Titanium Credit Card
Designed for the elite, Citibank Platinum card will open a new world of exclusive experiences and special privileges.
Features & Benefits of Citibank Platinum Credit Card
For a person who hits the road frequently, IndianOil Citibank Platinum card will help save on fuel costs substantially and also earn other rewards.
Features & Benefits of IndianOil Citibank Platinum Credit Card
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.
Features & Benefits of IndianOil Citibank Titanium Credit Card
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.
Features & Benefits of Citi Prestige Credit Card
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.
Features & Benefits of Citibank Corporate credit card
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.
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.
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.
You can earn attractive reward points on spends with various merchant establishments in India and abroad with
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.
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.
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.
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.
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.
This card is designed to reward the shopaholics who frequent Shoppers Stop and other shopping centers. Some of the features of this card are
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.
|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.
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