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  • Citibank Balance Transfer is Rated as "Excellent!" by 5794 Users
    Credit Card BYTES FROM OUR KITCHEN

    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.

    Perfect Credit Card Deals for you

    Credit Card Reviews

    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I heard about CITI, they are providing good offers, almost they got tie up with many exclusive partner than ICICI or credit card so I availed CITI cash back card. But I didn't avail any offer from their end, they gave me good credit limit. But it has annual fee around Rs. 500.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Citibank Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      Citibank also has good offers on the credit card, but I am not using it much because it is not giving offers on a regular basis. There are cashback and rewards too. There are deal on very few eCommerce websites. There are charges of 1K. If I use my card for 30K in a year the charges will be waived off.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • Citibank Credit Card
      "Its Good"
      0.5 3.0/5 "Satisfactory"
      Basically I didn't know about specialty of CITI, I thought to have one credit card. But then I availed this credit card, CITI offered good credit card, I done few transaction for hotels, shopping etc. Still one month not completed hence I didn't receive the bill.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 20, 2018
    • Citibank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with CITI with a limit of 1.80 lakhs.. I am satisfied with the limit. I have received cash back and reward points with the card. The annual charge depends upon the utilization of the card for an year,if we do a purchase above 1 lakhs then there will be no annual charge or else there will be 1000 rupees.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Citibank Credit Card
      "Best credit card"
      0.5 5.0/5 "Blown Away!"
      CITI bank service is good since I have taken the CITI Cash Back credit card for past 2months I am using this credit card for on line transactions, bill payments everything still this is a New credit card I have not yet used much with this card all the documents were verified the customer service with the citii bank is good. Overall the citi card is best on to use.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • Citibank Credit Card
      "Good Cash back Card"
      0.5 5.0/5 "Blown Away!"
      I have cash back card from CITI, I didn't utilize the card. But I believe CITI is providing more offers on Shopping, dinning and hotel with good discount and they have offers on e commerce. CITI has the annual fee around Rs. 500 its fine for me..
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • Citibank Credit Card
      "Good Cash Offer"
      0.5 4.0/5 "Great!"
      I wanted to have any credit card earlier, hence I took cash back card from CITI. They are providing maximum cash back on utility, bill payment, and 5% discounts on airtel payment. CITI credit limit is sufficient for me. I am okay with the points what they are offering me.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Citibank Credit Card
      "Charges are high. Good service"
      0.5 5.0/5 "Blown Away!"
      The charges are high at Citibank. I hold a cash back credit card. The customer services are good and there are offers as well. The credit limit is also good and I have no issues while using the card. The charges can be reduced. Else the response was on time.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • Citibank Credit Card
      "Not satisfied with the limit"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with CITI with a limit of 52000. I am not satisfied with the limit i was expecting 82000 or more as i hold a higher limit with other cards. I have not yet received any cash back or reward points with the card. There is no annual charge with the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Citibank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a cerdit card with CITI bank,the limit on the card is 60,000.The card has an annul charges of 750,they have offered a Indian oil card.I dint get any welcome points till now for purchasing the card with them.They had processed the card within 5 days of time.The customer service is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Citibank Credit Card
      "Good for Fuel Card"
      0.5 5.0/5 "Blown Away!"
      I took Indian Oil CITI credit card to get reward points on fuel fillings, Charges are same other credit card. CITI gave me good credit limit but it has some yearly fee. For four turbo points around 150 spent on fuel at authorized IndianOil outlets.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 20, 2018
    • Citibank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      I bank with Citibank for the credit card and they informed me all the terms and conditions about the EMI options. They were transparent with it. The customer services are good and they have good options for the EMI, the minimum is 3 months and maximum is 48 months.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • Citibank Credit Card
      "Good Credit Card"
      0.5 4.0/5 "Great!"
      CITI credit card is also good, I am a privilege customer of the bank. Last 10 years I am holding this card. They have good reward points on the transaction. I could convert the points into purchase on some items. If some time I make my payment delay they won't add any charges.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • Citibank Credit Card
      "Better service"
      0.5 4.5/5 "Excellent!"
      I have applied for a cerdit card with CITI bank,the limit on the card is 50,000,they had processed the card within a week,the card has no annual charges,the rate of interest is high as compared to others.I have received my statements on time,tried calling customer service not connected at all.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • Citibank Credit Card
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with CITI bank,the limit on the card is 60,000 i am happy with the limit,they had offered a cash back credit card.The card has an annual fees of 500,door step service were given,I make online payments and card features are good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Citibank Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      I bank with Citibank for the credit card and they have provided me with a good credit limit. The customer services and response is good. There were cash back offers and reward points and the limit is also good and there are charges, but it can be waived off on the usage.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • Citibank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have taken IndianOil Citi Platinum credit card through online channel. The customer service and response was good. They charge annual fee of 1000 rupees but it will be waived off if I spend about 30K. I am getting reward points on the other purchasing.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • Citibank Credit Card
      "Excellent card to use"
      0.5 4.0/5 "Great!"
      I have the CITIBANK INDIAN OIL CREDIT CARD for more than 9 years. The customer support is excellent with the Citibank and they give prompt response to all the customers. The credit limit value is good with this CITIBANK INDIAN OIL CREDIT CARD and still they can improvise their service.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 20, 2018
    • Citibank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      The only concern is the EMI option at Citibank for the credit card. The customer services are good and they are also pretty responsive. The credit limit is also to my satisfaction. There are good offers like cash back and rewards. The EMI options are only from minimum three to max nine months.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • Citibank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The cash back offers are good with the CITI INDIAN OIL CREDIT CARD. I have got the CITI INDIAN OIL CARD around 2 years. The customer support service is good with the Citibank and they give better response to the customers. The credit limit value is average with the CITI INDIAN OIL CARD.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
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