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
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    1000
    Response Time Within 30 minutes
    Rs.750 Amazon voucher free
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    500
    Response Time Within 30 minutes
    Rs.750 Amazon voucher free
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    Think about
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    Downloads
    1000
    Response Time Within 30 minutes
    Rs.750 Amazon voucher free
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    Fee Details
    Downloads
    3000
    Response Time Within 30 minutes
    Rs.750 Amazon voucher free
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    Documents
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    Think about
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    Downloads
    1000
    Response Time Within 30 minutes
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    Fee Details
    20000
    Response Time Within 30 minutes
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  • Credit Card Reviews

    • Citibank Credit Card
      "Need offers on the card"
      0.5 4.0/5 "Great!"
      Citibank has given me a very good limit and I think that is sufficient to manage these days. But I get no offers from them like discounts or cash back deals unlike any other bank. The usage is convenient as and when I use the credit card, there are no hassles in the transactions I do.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2017
    • Citibank Credit Card
      "Below average card to use"
      0.5 2.0/5 "Expected more"
      For more than 6 years I hold the citibank Rewards credit card. I have made delay the payment by 1 day, still they have charged the late fee with the compelete interest , The charges and the interest rate is very high when compared with others, There is no grace time is given with CITIBANK. I am having this card for more than 6 years, I have been asked to increase the limit but still the limit is the same from the day I got this card, The reward points can bee redeemed as the outstanding bill.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 17, 2017
    • Citibank Credit Card
      "SATISFACTORY"
      0.5 3.0/5 "Satisfactory"
      CITI bank credit card is a kind of okay one for me because of their customer service and their assistance what they provide is a better one but they have provided the cash back offers like if you shop above 5000 rupees you are eligible and the limit they have offered me is 75000 rupees. And iam holding this card for more than two years now.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 17, 2017
    • Citibank Credit Card
      "Nice Experience"
      0.5 5.0/5 "Blown Away!"
      Citibank has been good in the credit card offers and I been banking with them for long. The services has always been good and there are no hidden charges taken. They provide transparent billing and the billing cycle is also convenient to make my payments.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 17, 2017
    • Citibank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      All I can say CITI bank is simply superb, as it provides a lot of offers and good credit limit too. They had given lot of offers and that is very much helpful also online shopping at AMAZON and Flipkart is really good. I used to get some discounts online too and my credit card is REWARDS CREDIT CARD.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 17, 2017
    • Citibank Credit Card
      "Nice Experience"
      0.5 4.0/5 "Great!"
      My credit card is with Citibank and the loan facility is very beneficial to me. I can get a loan instantly and the process does not involve any documentation. The customer services are also good, they communicate well and the requests are sorted out at once.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2017
    • Citibank Credit Card
      "High on interest"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with Citibank and I am not very happy with it. The interest rate and charges are extremely high and there is no use in the offers I get or the credit limit too. Because when ever I use the card it is very expensive. I would not recommend the bank.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 17, 2017
    • Citibank Credit Card
      "Best bank"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card of Citibank and the bank is excellent in the overall process. I regularly get updates on the offers I am eligible off and they provide good deals and benefits which are useful to the customer. There are no charges taken for the card too.
      Was this review helpful? 0
      , noida
      Reviewed on Aug 16, 2017
    • Citibank Credit Card
      "Satisfied with the services"
      0.5 4.0/5 "Great!"
      Citibank has also offered me a credit card and the rewards are useful to me. I earn points on my transactions I do and I can use the points online as well. The customer services are good as they respond well to all my queries. There are no charges for my card.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 16, 2017
    • Citibank Credit Card
      "Nice Experience"
      0.5 4.0/5 "Great!"
      Citibank has been good in the credit card services. The deals are good and the overall experience is smooth. From time to time I am informed about the deals and there are no unwanted charges taken. The limit is also up to the mark and the card is accessible all over.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 16, 2017
    • Citibank Credit Card
      "Overall good for everthing"
      0.5 5.0/5 "Blown Away!"
      CITI bank is always outstanding they gives proper notification and gentle reminder before the due date and every month my bills minimum amount gets auto debit from my account. but they are good in reference bonus I got upto 6000 points, I could redeem the points into cash.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • Citibank Credit Card
      "Good to use"
      0.5 5.0/5 "Blown Away!"
      CITI credit card experience is good, I am holding their credit card just six months but its great. Whenever I do any transaction I am getting good reward points, Credit limit is also good based on my salary. CITI Bank payment gate is also awesome, I could able to access the site without any hassles.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 16, 2017
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Citibank has offered me a credit card as well. The features are too good on the card and the rewards are great. It can be redeemed and the transactions I do can be clearly viewed online and it helps me keep track on it as well. The charges are normal too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • Citibank Credit Card
      "Pre approved credit card"
      0.5 4.0/5 "Great!"
      It was basically a pre- approved credit card provided by CITI Bank and there are no yearly charges too. They had given some fuel surcharge waiver and reward points on this card. No compliments on this card . No issues while issuing the card. Limit is too low here ,it would be great if they provide a better limit
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 14, 2017
    • Citibank Credit Card
      "Happy with the services"
      0.5 5.0/5 "Blown Away!"
      For my credit card, I would say Citibank is the best. The bank has given me a excellent credit limit. I got a limit of four lakhs. The other offers and features are there and the transactions are smooth on the card. The customer services are also good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 14, 2017
    • Citibank Credit Card
      "Good CARD to use"
      0.5 5.0/5 "Blown Away!"
      I am fond of using CITI credit card because , CITI Bank is good when it comes to customer interaction and it is much better when compared to others banks .90% of the work can be done online and it is very much easy to change the address online too. Bottomline good service rendered by CITI.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 14, 2017
    • Citibank Credit Card
      "Good Features"
      0.5 5.0/5 "Blown Away!"
      When it comes to credit limit, citi bank is quite good in offering credit limits. On my credit card, the limit is very good. Also I did not find any difficulties in using this card at any instance. All the features are fine with citi bank card but it is a chargeable card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Aug 14, 2017
    • Citibank Credit Card
      "Excellent Card to use"
      0.5 5.0/5 "Blown Away!"
      I am getting very good rewards from CITIBANK. Initially I was redeeming the reward points with shopping coupons by the online shopping channels, Yearly I am getting 6000 reward points which can be redeemed around Rs.2000 as cash. The credit limit is Rs.50,000 and they are also offering me to increase the limit but I don't want to in crease the limit. I am also getting the referral amount around Rs.2000 per recommendation after the disbursement of the card.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 14, 2017
    • Citibank Credit Card
      "Excellent Card to use"
      0.5 5.0/5 "Blown Away!"
      The Citibank Indian-oil card is meeting my requirement and the credit card is very helpful to do any kind of purchase. I use this card mostly for fuel purposes. This card has reward points in purchase of fuel , which can be redeemed to get extra fuel as well I can also redeem with other products . I am happy with the credit limit. I am having the Indian oil card for past 6 months. The rate of interest is nominal with Citibank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 14, 2017
    • Citibank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      More than 2 years I am using CITIBANK cash back credit card , The benefits like reward points cash back offers are available with this card. I can redeem the reward points as cash. The rate of interest is nominal with Citibank cash back card. I am happy with the credit limit. I pay the annual fee of RS.500.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 12, 2017
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    Citibank Balance Transfer is Rated as "Excellent!" by 4068 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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