Citibank offers a wide range of financial products with excellent features and benefits. The credit cards offered by the bank are one of the most sought-after cards in India. From travel credit cards and cashback cards to shopping and lifestyle cards, the bank offers exclusive cards to meet the requirements of their cardholders.
If you are planning to get a citibank credit card, you will have to meet the eligibility criteria set by the bank. The eligibility requirements differ from card to card.
Eligibility Criteria To Apply For A Citibank Credit Card
For all Citibank credit cards
Minimum age of the applicant*
Maximum age of the applicant
Self-employed or salaried individuals
Minimum annual income**
Differ from card to card
*The minimum age of the applicant differs from one card to another. It also depends on the type of credit card you are applying for. Citibank reserves the rights to determine the age of the applicant.
**The income criteria differs from card to card. Please check with Citibank for the eligibility criteria for the card you choose to apply for.
Factors That Affect Your Citibank Credit Card Eligibility
To get any credit card in India, you will have to fulfill the eligibility criteria set by the bank. If you do not meet the basic eligibility requirements set by the credit card provider, your application might be rejected. There are many factors that affect your credit card eligibility. Some of the important factors are:
Credit score: Your credit score is one of the most important factors that will affect your credit card eligibility. The credit reporting agencies in India assign a three-digit number based on your credit history. A credit score may range from 300 to 900. While a low credit score indicates that you do not have a good credit history and decreases your creditworthiness, a high credit score proves that you are a responsible borrower. The higher your credit score, the better. You can get a free copy of your credit report every year from each of the credit reporting agencies in India, namely Equifax, TransUnion, and Experian. If you have a low credit score, it is recommended to apply for a credit card only after your score has improved.
Existing debt: When you apply for a credit card, your lender will check your existing debt. A Debt-to-Income Ratio is calculated by dividing your gross monthly debt by your gross monthly income. The credit card providers prefer applicants with a low Debt-to-Income Ratio. Before applying for a credit card, make sure you check your total debt and decrease it to improve your eligibility.
Income: Each credit card is designed to cater to specific spending habits of the cardholder. Based on the features and benefits of the card, the bank sets the minimum income criteria. If an applicant does not meet the income criteria set by the lender, the credit card application might be rejected.
Age: Every credit card provider in the country sets the minimum and the maximum age limit for each of their credit cards. If you do not fall within the age bracket, you might qualify for a credit card. The age limit for each credit card is different. The age criteria also depends on the type of credit card.
Multiple applications/ hard enquiries: It is very tempting to apply for multiple credit cards at the same time. Most applicants apply for more than one card or make several hard enquiries. However, making multiple enquiries affect your credit card application negatively. Do your research and apply for one card that best suits your requirement.
Some Of The Other Factors That Affect Your Credit Card Application Are:
Credit utilisation rate on your existing cards
The organisation you work with
The number of credit cards you own
Lack of credit history
A high outstanding amount on your existing credit cards
How To Improve Your Citibank Credit Card Eligibility
If you do not meet the eligibility criteria set by the bank or if your credit card application is rejected, you can increase your eligibility and apply again after a few months. There are many ways you can increase your credit card eligibility. Some of them are:
Increasing your credit score by closing one of your existing loans, reducing your Debt-to-Income Ratio, increasing your total income, or clearing your existing credit card total outstanding due amount. Check for any red flags in your credit report and try and eliminate them.
Paying your bills on time. This way, the bank will be able to assess your repayment capacity and consider you as a responsible borrower. Not defaulting on your payments will help you build a good credit history in the long run. This will also help you when you apply for a loan in the future.
As mentioned earlier, avoid submitting multiple credit card applications. This will make you look like a desperate borrower. Do research and apply for one card that best suits you.
Always maintain a low Debt-to-Income ratio. If need be, consolidate your debts or pre-close your loans.
Maintain a good credit utilisation rate on your existing credit card.
Avoid cheque bounces, late fees, and penalties on all your active lines of credit.
Some banks offer credit cards against fixed deposits. Consider opening a fixed deposit which will help you get a credit card while you save.
Top Citibank Credit Cards
Some of the most popular credit cards offered by Citibank are:
Citi PremierMiles Credit Card
Citi Rewards Card
Citi Rewards Domestic Credit Card
First Citizen Citi Credit Card
IndianOil Citi Platinum Credit Card
Citi Prestige Credit Card
Citi Cash Back Credit Card
You can apply for a Citibank credit card online by visiting the bank's official website. Alternatively, you can reach the Citibank customer care department by dialing 1860 210 2484. If you are calling from outside India, dial 91 22 4955 2484. Citibank customer care department is operational between 9:00 a.m. to 7:00 p.m. from Monday to Saturday except on national holidays.
Citibank Credit Cardholders Can Get Up To Rs.10,000 Cashback On Apple Purchases
Citibank has joined hands with Apple to offer exciting cashback offers for their customers. Use your Citibank credit card and get up to Rs.10,000 cashback on MacBooks, iPads, Apple Pencil, and Apple Watch. Please note that Citi Corporate credit cards do not qualify for this offer. Also, Citibank stated that the cashback offer will be eligible for only one product per credit card. Citibank credit cardholders can avail this cashback on both EMI and non-EMI transactions provided they use their Citibank card.
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I have received a credit card from Citi Bank which I have processed through online channel. I have expected the credit limit of 1L based on my salary profile but they have given me only 60K which is okay for a new user. I am using the card for multi purpose. They are charging annual fee of Rs.500. I have done transactions of Rs.8,000 and did not get much benefits.
I have taken a Citi Rewards credit card through online channel. They have offered me this card based upon my eligibility. There is no annual fee for my card. I am okay with the credit limit. I am using the card for less than a month and did not check any benefits as of now. The documentation process was good and its doorstep.
For the petrol purpose, i have purchased the Indian oil card from CITI bank. When i bought the card, they said i get a turbo points when i buy the fuel. The credit limit of Rs. 64000 is convenient for me and they have given me 2* times of my salary. I haven't faced any problem in the overall process.
I have been using Indianoil Platinum credit card with Citi Bank for last 3 years which I have taken directly with the bank. The credit limit is 52K. There is no annual fee and its beneficial for me. I am earning reward points which can be redeemed easily depends on the eligible like Tupperware, movie tickets.
Actually till now I did not use Citi Bank credit card most probably I will be using the card next month. The services and responses are good. Within a one week, they have provided me Rewards card. The credit limit is less when I compared with salary and have been expecting atleast 1L. They are charging me annual fee of Rs.500
I have Citi Bank credit card which was offered by Bank itself since have a salary account .I am using this credit card for the past 12 years .The credit limit was really less and it was not sufficient as well .Customer service was really good and the banking service was pretty good .
I had a salary account towards CITI bank hence they have offered me i have taken this card. I have a platinum rewards card with me. Except rewards points no other benefit is available on this card. As of now they have a limit of Rs. 95K and they never increased the limit even if i place the limit which is a drawback of the card.
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Reviewed on Aug 27, 2019
I have Citi Bank credit card which it is good to use and it was availed through Online . Reaching customer service is hard that is the only issue .The credit limit was good and it was upto 60000. I have received the credit card on time and the agent gave all the information about the card process .While document submission there was no issues and this was a chargeable card .
I have a rewards card from CITI bank. It was a card which got through my salary account. I am getting the point which i can able to redeem. There is a 2 lakhs of limit in CITI bank card. I spoke with the customer care regarding the late fee charges which is high and their response was good.
I have Citi Bank credit card which was applied through Bank.I am using this credit card for the past 7 years .The credit limit was good and there was no difficulties faced so far ,There are good reward points as well as cash back offers .Since have salary account i have got this credit card on paperless approval.
I have one card from CITI Bank, I got it one month back because it has life time free benefits. Initially they told I have eligibility of Rs. 1.8 lakh but they gave me only Rs. 50,000 it would be great they their executives are transparent. The process was fast but the drawback they told something but I got something else.
In 2007 I got salary account from CITI, at the time they issued the card. Then I closed that card and I have availed cash back card and titanium card. It has the limit of Rs. 1 limit. Last time two installment I was unable to pay, they made a call and asked me to go for settlement then I closed everything. The offers are good I can redeem the points at any time.
I have selected HSBC visa plantium credit card .While document submitted through online as well executive .while transaction through online i will receive rewards points is applicable,That time Pin number is not generate through online itself i have done pin generation .While called up customer care they said to check details it will took tat time 10 days.
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ARUN PANDIYAN VIGNESHWARAN
Reviewed on Aug 03, 2019
I have selected Citi rewards credit card life time credit card, while transaction through online i will rewards point .In book my show movie ticket per month 1 plus one movie ticket , sufficient is limit is provide,while document submitted through executive there is no while receive credit card , Mobile application its user friendly, customer service is good and responsive
I do have cash back card from CITI bank, they are providing some cash back offers for the electronic purchase and also reward programme is good. This card limit is around Rs. 1 lakh because I have been using it around an year, the billing cycle is not convenient because my due date falls on 29th but salary credits on the last day of the month.
I Have selected Citi bank credit card using through past 2 yera, customer service is good and responsive.The annual charger is applicable, while spending Rs 50,000 1st year annual chargers will be waiver.While document there is no delay , all notification email and message. EMI option.
Already am having a IndianOil Platinum credit card from Citi Bank which was issued along with my salary account. I have received 1600 to 1700 reward points which can be redeemed equal amount of fuel which they have not educated and even haven't tried reaching them aswell. Its my first card and there was no joining fee but the annual fee will be waived if spend about 30K in a year.
I had applied for citi bank credit card from bank bazaar and they have provided me with the nominal credit limit of 74 thousand which was sufficient and it was a chargeable card, annual charged will be waived off if 30000 has been utilized. My document process was done manually.
I have selected citi Indian oil petroleum credit card Its is very secure credit card past 1.8years . I ndian petrol pumps, while transaction rewards offer.Its is life time credit card . while documents submitted through online . while document submitted through executive there is no delay while credit card There is no sufficient limit is provide from banker end., mobile application user friendly .All notification message and email communication.
I have chosen Citi reward credit card using through past 2.5 years.Its is life time free credit card , while transaction through online more rewards point and cash back offers, rewrads point convert in to cash.while document submitted through online there is no delay receive crdit card , sufficient limit is provide from banker end.EMI option is applicable.