Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 8 Citibank Balance Transfer
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  • Citibank Balance Transfer is Rated as "Excellent!" by 4972 Users

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    Citibank Balance Transfer

    Overview of Balance Transfer

    Balance Transfers help customers reduce the burden of a big credit card bill by transferring their outstanding balance to another credit card and paying it off in instalments. Customers can enjoy a fixed rate of interest and EMIs that will help them pay off their debt systematically. A big credit card bill can be converted into a loan and be paid off over a period of time which can reduce the financial burden and stress.

    Citibank Balance Transfer

    Balance Transfers are offered to select customers of Citibank. At its own discretion, Citibank will determine if you are eligible for the balance transfer facility. The process of a balance transfer is simple.

    • Place a request with Citibank for the facility. Alternatively, Citibank may offer you this facility from time to time through mailers, phone or online.
    • The bank will determine your eligibility, and the terms and conditions for this scheme.
    • Under this scheme, the cardmember will be able to transfer the outstanding balance on a credit card of another bank and avail of a Loan on Phone facility from Citibank.
    • The customer can then pay back the loan in instalments by way of automatic debit facility.
    • On the billing date of every month, the set instalment amount will be debited to the customer’s savings account.
    • A fee will be charged for this service and will be levied and billed as stipulated by Citibank.

    Balance Transfer Eligibility

    You can transfer your outstanding balance from another credit card if Citibank finds you eligible. Citibank extends this facility only to select customers. Your eligibility will depend on the following factors:

    • How much balance is outstanding with the other bank
    • How much credit limit is available on your Citibank credit card
    • How much cash limit is available on your Citibank credit card
    • Your credit and repayment history

    Balance Transfer Tenure

    The tenure offered under the Loan on Phone facility will be determined by Citibank. There are no set terms available for the balance transfer facility. Depending on the transfer amount and other factors, your tenure will be determined. You might be offered a choice of 3, 6, 9 or 12 months which you can choose according to your convenience.

    Balance Transfer Rate of Interest and Charges

    The rate of interest charged for Balance Transfers is calculated depending on a number of factors. The rate of interest charged is 12% per annum on a reducing basis. Citibank also charges a processing fee plus service tax. In case you choose to close your Balance Transfer by paying off the full outstanding balance, there will be a preclosure penalty.

    Description Charge
    Interest 12% p.a.
    Processing Fee 1.5% of the transfer amount or Rs. 200, whichever is higher
    Service Tax Service tax which includes Swachh Bharat Cess) will be applicable as notified by the Government of India.
    Late payment As determined by Citibank
    Preclosure charges 3% of the outstanding principal amount

    Apply for Balance Transfer

    To apply for a balance transfer, you will need to contact Citibank. Citibank may make this facility available to you through emails, post, and telephone or online. You can also call Citi phone to find out your eligibility to transfer your outstanding balance. You can then make a request for the facility.

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    Credit Card Reviews

    • Citibank Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      My credit card was taken with CITI bank 1 year back . The credit limit was 2 lakhs which was satisfactory and I hold cashback International card . I have no idea about the interest rate and charges . The customer service and responses was up to the mark so my overall experience was good.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 09, 2017
    • Citibank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with CITI bank from last 1.5 years, the credit card services are very good when compared to all other credit cards. They did not charge any annual fee at the time of getting this credit card. There are lot of offers like reward points and cash back in this credit card. I use net banking for making payments and the credit limit is sufficient.
      Was this review helpful? 1
      , new delhi
      Reviewed on Dec 09, 2017
    • Citibank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      My credit card application was approved with CITI bank and it was a good experience. I received my credit card within 10 days and i have a credit limit of Rs 60000 which is sufficient for me. An annual fee of Rs 500 has to be paid every year for this credit card. Documents were collected door step and the customer service was good. I did not find any offers in this credit card. I use this credit card mainly for shopping purpose.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 09, 2017
    • Citibank Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      My credit card application was approved with CITI bank and it was a good experience overall. I received my credit card within one week and i have a credit limit of Rs 50000 which is less when compared to all other credit cards. Documents were collected door step and the customer service was good. I get SMS alerts for this credit card like reward points. I use this credit card for general purpose and this credit card is recommendable.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 09, 2017
    • Citibank Credit Card
      "Easy to carry"
      0.5 5.0/5 "Blown Away!"
      I have taken a Cash back card with CITI. For the past 4 years i am using this card.I get reward points and cashback with Citi card. Even i get reverts from petrol stations. Internet banking and mobile banking both are friendly. With my reward points i purchase things from the website.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 09, 2017
    • Citibank Credit Card
      "Easy to carry"
      0.5 5.0/5 "Blown Away!"
      I hold a CITI bank reward card. I get reward points and cashback with Citi card. Even i get reverts from petrol stations. Internet banking and mobile banking both are friendly.I have not checked for the annual charge till now with the credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 09, 2017
    • Citibank Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      I approached direct bank to avail their CITI credit card, I got the credit card within 10 days of time. They gave me reward cards , they are providing surcharges on fuel filling and I could convert the points into cash. Credit limit they offered Rs. 50,000 its fine for me.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 09, 2017
    • Citibank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      It was a good experience with CITI BANK on credit card. But they captured my surname was wrong. The customer service and response was good. I need to spend 30K for a year then annual fee will be waived off. The charges are minimal. I am having CITI rewards card with good limit.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 09, 2017
    • Citibank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I had a good experience with CITI BANK on the credit card service. I am using the credit card for twenty five years. I am getting good service from the customer care. They offered me a good credit limit. It is useful for shopping purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 09, 2017
    • Citibank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have a Indian Oil CITI Platinum credit card. There are 4 turbo points per each Rs. 150 spent on fuels at authorized Indian Oil outlets. There is no annual fees for my credit card. This credit card is a fuels based credit card which will be effective for customers who spend a lot on fuels.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 09, 2017
    • Citibank Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      Customer service is good one with the CITI bank credit card and there are no issues on it. I would like to say that the credit limit value is very lesser one for me with them. I am happy with the CITI bank credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 09, 2017
    • Citibank Credit Card
      "Wonderful"
      0.5 4.0/5 "Great!"
      I am using CITI bank credit card from the last two to three months of time. I would like to say that the credit limit value is good one for me and the response is fine one for me. I am happy with the CITI bank credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 09, 2017
    • Citibank Credit Card
      "Average service"
      0.5 3.5/5 "Pretty good"
      The credit limit they offered me was good compare to other credit service providers in the market,customer support was prompt ,interest and charges was good citi credit card department,it was a good experience with citi credit card department.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 08, 2017
    • Citibank Credit Card
      "Excellent service"
      0.5 4.5/5 "Excellent!"
      It was a best experience with citi credit card service ,the credit limit they offered me was comfortable for me also interest rate and charges was fine. The customer support was good ,it was a wonderful service from citi credit card service.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Dec 08, 2017
    • Citibank Credit Card
      "Citi bank credit card"
      0.5 3.0/5 "Satisfactory"
      I hold a CITI bank credit card. My current limit is 5000. There is an annual charge of 590 rupees will be there. Every year i have to pay this annual charge. I get discounts on fuels and reverts from fuels. Once i have with drawn 1000 rupees from my credit card. i made the payment the executive told me that it will take about 3 to 4 business days to get reflected.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 08, 2017
    • Citibank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I have a credit card with CITI bank from last 2 years and it is very good card to use. The credit card services are fine and the type of card is Indian Oil. I paid an one time fee for this credit card and it will be waived off based on the number of transactions done. I get offers like reward points on petrol and i use this credit card for general purpose. I am happy with the credit limit and this credit card is recommendable.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 08, 2017
    • Citibank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The Indian oil Credit card is been used by me for more than 4 years. The customer support is good with the Citibank credit card department. The credit limit is good with the Citibank Indian oil credit card. The credit card services is good with the Citibank and I am satisfied with their credit limit,.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 08, 2017
    • Citibank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The citibank credit card is easy to use and it is user friendly, I have the Citibank rewards credit card for more than a year. The customer support is good with the Citibank credit card department. I am satisfied with the credit limit . There is no annual fee to this card and I get good benefits with this citibank rewards credit card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 08, 2017
    • Citibank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold a credit card of CITI bank. Its a reward card were i earn reward points. My current limit is 52000. Annually i have to pay 1000 rupees for the card. Two month back only i have started to use the card. Mostly i i use this card for purchase. There are offers on this card but have not availed any.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 08, 2017
    • Citibank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The customer support is good with the Citibank. They took around 20days of time to disburse my credit card. The credit limit is high and I am satisfied with it. I use this Citibank Indian oil citi platinum card for fuel , purchases and for other bill payments.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 08, 2017
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