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 4400 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
      "Its Good"
      0.5 4.0/5 "Great!"
      Before ten years I had a CITI bank credit card then I closed the card because my business was flopped at the time. Again I joined in other company I paid the dues. CITI bank customer service was good they gave me prompt service and also their offers was good.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 19, 2017
    • Citibank Credit Card
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      Citibank is good overall. There are proper deals online and my credit card can be accessed all over. The transactions are smooth and easy and there are no hidden charges. The credit limit is good and the billing is also comfortable. Overall no issues.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 19, 2017
    • Citibank Credit Card
      "Transparent in details"
      0.5 4.0/5 "Great!"
      Citibank has also offered me a credit card and the offers on the card is good. The card is also accessible all over and there are a lot of features on the card which is useful. The statements are clear and the online banking has it all. This credit card is very much transparent.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 17, 2017
    • Citibank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      The reward points are good with this Citibank premier miles credit card, I can redeem the reward points by booking the air tickets. I am satisfied with the credit limit. I got this card around a year ago. This customer support is good with Citibank credit card department. The rate of interest is nominal with this card. There is annual fee of Rs.3000 .
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2017
    • Citibank Credit Card
      "My credit card"
      0.5 5.0/5 "Blown Away!"
      I am using IOC CITI bank credit card. I am getting very good reward points . I normally use those rewards for fuel transaction and that the value of one bonus point is equal to one rupee. Name of the credit card is IOC, I can redeem those reward points against online transaction and it is very much helpful. In addition to the above, they have provided me IP pin number which is actually a proxy for my internet banking id and password using this IP pin I can directly login to my id and password and access my account.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 17, 2017
    • Citibank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      Citibank is also perfect in the credit card features. The online baking is clear as I can view my transactions and there are no hidden charges. The customer services are good as I am informed about the deals on my card. There is a decent credit limit too.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 17, 2017
    • Citibank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      My credit card is with CITI bank which was 1 year back. The credit limit was 1.5 lakhs . I am using their visa cash back International card. I get many cash back offers for this. I have not faced nay troubles or issues with their service so no idea about the customer service and responses .The charges and interest rates are little bit higher than HDFC bank .
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2017
    • Citibank Credit Card
      "Good relationship"
      0.5 5.0/5 "Blown Away!"
      I have been using this Citibank Credit Card for the past 6 years. I have had a very good experience with them throughout. They are one of the more professional group of Bankers available in India. I have been maintaining good relationship with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2017
    • Citibank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      My credit card is with CITI bank 1 year back. The credit limit was 2 lakhs and I am satisfied with it. They have offered visa card and I get rewards point and cash back offers. I have 24/7 helpline number . I have no idea about the charges here. The rate of interest is pretty good here. The net banking system is good.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 17, 2017
    • Citibank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with CITI bank 2 years back. The credit limit was less than 50,000. They have offered master card and Its an international card. The credit card process was fast and easy here . I have no idea about the charges . The customer service and responses was really good.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 17, 2017
    • Citibank Credit Card
      "Very good experience"
      0.5 5.0/5 "Blown Away!"
      My credit card is with Citibank and it is a very good experience with the bank till date. I get all the offers and there are other good benefits as well. The online banking is good where I can track my transactions and make my payments as well on time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2017
    • Citibank Credit Card
      "Need to be clear in details"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with Citi bank and there are EMI facilities. I was informed that if my transaction is above 2500 I can convert the same to EMI. The other day I used my card for 17 to 18K and when I wanted to convert to EMI I got a error message that the amount needs to be lesser to convert it . The bank is not clear and it is not a good experience.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • Citibank Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      I hold a credit card with Citibank and the services are really good. I get the necessary offers and the limit is also to my expectation. There are no hassles while using my card, it is accepted all over and the details of my transactions can be clearly viewed.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • Citibank Credit Card
      "good service"
      0.5 4.0/5 "Great!"
      The service from CITI bank for my credit card service is very good ,the offers I use to get common offers regularly and also the customer service is very good response is very nice I would say the service of CITI bank for my credit card service is very good .
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 16, 2017
    • Citibank Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
      I am using CITI reward points for past nine years, they enhanced lot of offers most of the time I convert the points into transaction or cash back on shoppings etc. I am satisfied with the CITI bank credit limit, it was satisfactory and good enough.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • Citibank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I can give 5 star rating for the Citibank rewards credit card. The statements are easily available with this card. This card is used for shopping, dinning and for other usages. I am satisfied with the credit limit. I would say it is a good card to use.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 16, 2017
    • Citibank Credit Card
      "Satisfactory services"
      0.5 5.0/5 "Blown Away!"
      Citibank is excellent in the communication and they are fast in the process as well. I hold a credit card and the rewards are useful and there are other discounts and deals too. The online banking is also helpful to make my payments and to complete my transactions.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 16, 2017
    • Citibank Credit Card
      "Best among the Credit Cards I have"
      0.5 4.0/5 "Great!"
      I had a very good experience with Citibank Credit Card, which I closed recently due to some personal reasons. I felt the charges applied to be lesser compared to other banks. It's processing is very fast and has reward points too. I preferred this card over all my other cards.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 16, 2017
    • Citibank Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      I been a corporate customer of Citibank for the past six years and every time I apply for a credit card, my application gets rejected saying that salary is not matching the banking norms. Though they can very view my transactions on the account and they know the salary I receive, they are yet to provide a card.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
    • Citibank Credit Card
      "Recommended couple of "
      0.5 4.5/5 "Excellent!"
      I have been impressed with this card so much, and have recommended couple of my colleagues for the same. It has a very decent Petrol points, for every Rs.150 petrol feeling I get I Turbo point. 1 Turbo equal Rs.1, which for my usage looks like a very good deal.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
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