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    We found 8 Citibank Balance Transfer
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  • Citibank Balance Transfer is Rated as "Excellent!" by 6478 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
      "Average Service"
      0.5 4.0/5 "Great!"
      I wasn't specifically look for CITI CASHBACK CARD The offered 1500 Amazon Gift Voucher.. I use the card for online shopping and payments on Shopping malls. The main drawback of this card is that the rate of interest is higher than the existing cards in the market.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 25, 2018
    • Citibank Credit Card
      "CITI credit card"
      0.5 4.0/5 "Great!"
      I hold a credit card with CITI bank and i am satisfied with the limit. From this card cash withdrawal is possible. The annual charge is 500 rupees. Till now i have not yet done any EMI conversion with the card. It is very helpful and good for purchases.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with CITI bank 9 months back.The credit limit was 50,000 and i hold reward points as benefits . I am satisfied with the customer service and responses . I have 24/7 helpline number and OTP device to login. I had a good experience overall so its recommendable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The Citibank gave me good response in regards to my credit card application. The customer support service is good with the Citibank. I have got the Citi cash back credit card within a week time. The credit limit value is good with this card and I am satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I am using CITI bank credit card from last 10 months, i get good offers like reward points on this credit card. I am satisfied with the credit limit in this credit card and they charged an annual fee of Rs 500 for this credit card which has to be paid every year.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The documents were collected on time by the Citibank executives in regards to my credit card application. The customer support service and the response is good with the Citibank. They delivered the Citi cash back credit card within 15working days. I am satisfied with the credit limit value.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The Citi rewards credit card is good and I use this card for more than a year. The customer support service is good with the Citibank and they give good service to the customers. The credit limit value is good with this card and i am satisfied with it. The offers and the benefits are good with this card and I am happy about it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      I have been recommended this card by my family member's which made me to take this card. They had given me points and deductions in certain purchases. They are charging me Rs.1000 as an annual fee. I am not satisfied with the credit limit which they provided which is less than my previous credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I bought the Citi rewards Card online as it was recommended by one of my friend. The features found during the purchase seemed beneficial for me. I haven't used the card much overall I'm happy with the features and benefits of this card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken this card for the cashback benefits which they provide. Up to my knowledge i have not got any services which they are providing nor any bonus points which they are giving. Have been from using this card for the last 6 months and so far there has been no problem with this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "CITI cash back card"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with CITI bank. The card which i hold is a cash back credit card. Easy emi is available apart from gold purchases.I do get cash back but not yet received but reward points is there. The customer service and response with the card is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Excellent service"
      0.5 4.5/5 "Excellent!"
      I have chosen this card since it is a cashback card. I am satisfied with all the features which they are providing. The credit limit not so good, but it satisfied my current needs, but i have to move to some other cards which gives me a higher credit limit which is above 1L.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Citi Rewards card for the past 7 Months. I already had a Salary Account with Citi and I'm happy with their services. Their Rewards Points system is pretty good and reward points can be automatically redeemed via BookMyShow for booking tickets.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      The customer support service is good with the Citibank , I use the Indian oil citi platinum credit card for more than a year. The credit limit value is good with this Indian oil citi platinum credit card . The rewards points cash back offers are good here with this citi credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Citi credit card service is good. The customer support is prompt with Citi credit card service. They offer me with good credit limit. Citi online net banking is easy for navigation with lot of good options. The rate of interest is little high compared to other credit service providers from the market. It was an good experience with Citi credit card service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Super Fast Service"
      0.5 4.0/5 "Great!"
      I bought the Citi Rewards Card Online after comparing it with other cards available. Citi has more offers and the application process was smooth and hassle free. I just got the card, I'll be able to tell more about the card after 2-3 months of the use. As of now, I'm happy with the features they offered.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The Citibank is service is good in regards to my credit card application and I have got the INDIAN OIL CITI PLATINUM CARD within 5 days of time. The customer support and the response is good with the Citibank. The credit limit value is good with this card and I am satisfied with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I bought the Citi Cash Back card because the charges were very low when compared with the other cards available. They offer 5% cash back on movie ticket purchases and telephone bill payment, utility bill payments. Apart from that there isn't any other specific reason to choose this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Need to work on the customer service"
      0.5 2.5/5 "Just OK"
      The process was okay with Citibank. The documents was collected on time and the credit card was also dispatched without a delay. But the after sales experience has not been up to the mark. I been trying to reach out to the customer care team as I need to log in to the net banking, I am unable to connect. The limit is only of 75K, I was expecting one lakh. There are rewards points and EMI facilities, but I have not used the card yet.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2018
    • Citibank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the Citi Cash Back Card for the past 2 Months and I'm really happy about the features. I've compared sveral credit cards online and Citibank Cash Back Card had more benefits than the others in the market. I've already recommended this card to my friends.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2018
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