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

    Card
    1st Year Fee
    Rewards
    Joining Perks
    1000
    Response Time Within 30 minutes
    Rs.750 Amazon voucher free
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    Downloads
    500
    Response Time Within 30 minutes
    Rs.750 Amazon voucher free
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    Documents
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    Think about
    Fee Details
    Downloads
    1000
    Response Time Within 30 minutes
    Rs.750 Amazon voucher free
    What you'll love
    Documents
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    Fee Details
    3000
    Response Time Within 30 minutes
    Rs.750 Amazon voucher free
    What you'll love
    Documents
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    Think about
    Fee Details
    Downloads
    1000
    Response Time Within 30 minutes
    What you'll love
    Documents
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    Fee Details
    20000
    Response Time Within 30 minutes
    What you'll love
    Documents
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    Fee Details
    -
    Response Time Within 30 minutes
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    500
    Response Time Within 30 minutes
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  • Credit Card Reviews

    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I would like to say CITI bank credit card is the best one because I used to get the good offers with the CITI bank credit card . Customer service is fine one for me and am using it from the last one year of time.and the credit limit they have offered is 3.5 lakhs and the card is ch arable 499 yearly if you spent around 1.5 lakh in a year the amount will be waived off.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • Citibank Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I hold a credit card of Citibank also, the bank is doing well in the offers which they provide. The rewards are good and there is a decent credit limit offered as well. The statements are mailed on time and I have not faced any inconvenience till date.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 23, 2017
    • Citibank Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      Citibank has also offered me a credit card and there are no charges on the card. The credit limit is perfect and so are the customer services. I had taken a loan on card and I receive it instantly and without any paper work formalities. There are other good benefits too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 23, 2017
    • Citibank Credit Card
      "Nice credit card"
      0.5 3.0/5 "Satisfactory"
      I took credit card loan from CITI Bank, I approached the loan through online there is an option to afford pre approved credit card loan and they gave nominal interest rate. Apart from that, I am getting some reward points for the credit card transactions, I am fine with the credit limit as it is very much satisfactory.
      Was this review helpful? 2
      , chennai
      Reviewed on Jun 22, 2017
    • Citibank Credit Card
      "Good for shopping"
      0.5 4.0/5 "Great!"
      I am using CITI rewards card for three months its good, they gave me many complimentary offers. First time if I do the transaction of Rs.5000, I would get the cash back amount of Rs.1000. Citi offered the credit limit of Rs.50,000, I felt it is low too.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 22, 2017
    • Citibank Credit Card
      "Best in market"
      0.5 5.0/5 "Blown Away!"
      I do have CITI bank credit card and I would like to say its the best one because they have provided the loan against credit card, also they have provided such an advanced system for providing loan like it used to get happens in one click through their online banking system.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 21, 2017
    • Citibank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with Citibank and there are no charges for my card. The deals are excellent as I get a lot of rewards on the card which can be redeemed as well. The customer services and response is good as they communicate clearly and the details are transparent.
      Was this review helpful? 1
      , greater noida
      Reviewed on Jun 20, 2017
    • Citibank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      CITI bank credit card is also working in good like I used to get some offers in Flipkart.com while getting the electronic gadgets. I am using CITI bank credit card from the last one year of time. Credit limit is good one and I have not received any upgrade message for that
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 20, 2017
    • Citibank Credit Card
      "Good in Response"
      0.5 5.0/5 "Blown Away!"
      I use Citi bank credit card for long time. They offered good credit limit which is satisfactory for my usage. I do receive reward points and cash back offers on my card but I do not have time to redeem those points. I use to make the payment on time so there is no issues.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 20, 2017
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Citibank has offered me a credit card loan back and I was happy with the overall experience. I had got a very good credit limit which is like 10k which is up to my limit and the offers are excellent. They have a very good time of giving statements and they deliver it when ever require it and it is a clear one and Still I have 5k as my points also I am able to redeem it too.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 20, 2017
    • Citibank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      Citibank has offered me a credit card and I am happy with this experience as well. Every transaction of mine could be view online and there has never been any hidden fees. Apart from being a customer I am also a employee and I am happy with all the benefits I get.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 20, 2017
    • Citibank Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      Citibank is very good in the credit card deals too. The services has always been perfect and they help me when ever I call them for any clarification. Be it for my statements or for a offer. The credit limit is perfect too. I am happy and overall experience is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 20, 2017
    • Citibank Credit Card
      "Best reward card"
      0.5 5.0/5 "Blown Away!"
      CITI Reward credit card is the best one, I can get more reward while swiping this credit card and am using it from the last four to five years of time. There is nil annual charges, which is good one for me , also I would like to prefer this card to my circles.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 19, 2017
    • Citibank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      I bank with Citibank for a credit card and the bank has been up to the mark in the customer services for this product as well. The credit limit is good and overall experience has been perfect till date. There has not been any extra charges and in all good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 19, 2017
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card of Citibank and the rewards are the best. I do get a lot of other offers as well. The credit limit is good like 50000 rupees and its been like one year . I am holding this card The customer support is also up to the mark and it has so many benefits too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 18, 2017
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I do have CITI bank credit card, also its the best credit card according to my view because they are not charging anything as additional fee and I am with them from the last twelve years of time. Response and other aspects are also good one with them. Credit limit value is 80k and this a staff card for CITI bank employees.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 18, 2017
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Citibank has granted me a credit card, I am happy with the overall experience. I had got a very good credit limit and the offers are excellent. The bank is always transparent in the details they always provide statements on time and the credit limit they had offered me is 1.5 lakhs and its charag able card if you spend 30k in a year the amount would be waived off.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 18, 2017
    • Citibank Credit Card
      "Outstanding"
      0.5 5.0/5 "Blown Away!"
      I would like to say CITI bank credit card is the best one because I get the good offers with the CITI Indian oil bank credit card . Customer service is fine one for me and am using it from the last seven year of time. Based on the salary account they have offered me this and its life time free credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 18, 2017
    • Citibank Credit Card
      "Nice"
      0.5 4.5/5 "Excellent!"
      I would like to say CITI bank credit card is the best one because I used to get the good offers with the CITI bank credit card . Customer service is fine one for me and am using it from the last one year of time. Interest rate was not aware by my end.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 17, 2017
    • Citibank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I do have CITI bank credit card and am with them from the last six years of time. Response and other aspects are also good one with them. Credit limit value is also good 50000 rupees for the CITI bank credit card. Online banking services are also good but the secure features are nominal one but they are having annual charges for 1000 rupees initially it was 500 rupees.good this about this card is you get good reward points which can be claimable for recharge.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 17, 2017
    Common Loader Icon

    Citibank Balance Transfer is Rated as "Excellent!" by 4005 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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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