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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CITI has provided an annual fee chargeable card of 1K much high when compared to other bank. If they provide a life time free card and there is a chance that many people will apply it. There is no waiver off. I use this card for started shopping, restaurants and fuel purposes. The credit limit is 60K only but at an initial they told I am eligible from 1L to 10L. An interest rate is high, EMI conversion is applicable but charges are high of 15-20%.
I am using CITI Bank Reward credit card for the past 2.5 years. I got this card along with my salary account. This is a life time free card , customer service and response was good. I am using this card for all purpose and i am getting movie ticket only on friday.
I have been using CITI bank credit card from past 1 month. I don't have any specific reason for choosing this CITI bank because my friend used to say like accessibility of using the card is good. They have promised me that i get limit of 2* of my salary but it was not that much. There is an annual fee and it get waived off if i use the card for Rs. 35000 in a year.
Since I am holding my salary account with CITI bank for many years. I got a preapproved card offer and I am using more than 1.5 years. So far I haven't faced any payment issue. I use to do payment either on or before of due date. I swipe this card for shopping and for other purpose as well. I get good benefits and discount of 15%. The credit limit of 48K they are yet to enhance it.
Everything is available online and the only lacking point is they are not providing airport lounge access. I'm having a rewards card in this i get a lots of benefits. I have been holding this card for last 3 months. It gets waived off since i am having a salary account with them. From reward card, they will waive off the petrol sur charges waiver.
I got a credit card offer from CITI, since I am holding a salary account with them, provided the card on 4 years back. It is a life time free card. EMI conversion is applicable but charges are high. It is a Reward card. I use this card for online shopping based on usage I get more reward points. They have enhanced the limit only once, as of now I am holding the limit of 90K.
I am using CITI BANK Indian oil credit card for past 9 years. This is my first credit card. Bank offered me with credit card as I have a salary account with citi bank. I use this card only for fuel. The credit limit is Rs.30000, it is fine. I get 2 reward points on the spend of Rs.100. Rewards points can be converted into cash, 1 reward point is 30 paise. It is a life time free card. Customer support response is awesome.
I'm having a rewards credit card from CITI bank hence i get a benefits like i get 1 rewards points if i spent Rs. 125 and also if i refer the card to anyone i get a cashback of Rs. 2000. They have provided me a credit limit if Rs. 82000. I got this credit card based on my salary account. There is no yearly charges for this credit card.
I have applied CITI BANK credit card through online and received the card with in 5 to 7 days. Document collection was very easy. I not happy with the credit limit of Rs.50,000. I have purchased the mobile phone and received the cash back. Customer support is fine.
I have CITI Bank credit card which was taken through online. I am satisfied with the credit limit so far, if they could increase the limit i would be happy. This was a chargeable card of 1000 rupees but there is an option of waiver off, if I spend Rs. 30,000 within a year. I applied this card many times at finally I got this card and some of my colleagues also applied but its was not eligible for them. Need to improve in customer service.
I have applied for CITI BANK credit card via online and received the card with in 15 days. Document collection was very easy. I happy with the credit limit it is Rs.50,000. Bank need to improve the customer support connectivity. It is very hard to connect to customer support agent. I have not received any proper benefits.
Since I am holding a salary account with CITI bank so based on that I got this credit card offer. It is not a life time free card need to pay annual fee of Rs. 1000, if I use Rs. 30,000 in a year the annual fee will be waived off. Limit wise they have given me the card limit of 3.8L payment process is good and not used their mobile application.
I am holding salary account with CITI bank so they have offered a credit card. I hold this card for more than 10 years. Mostly I spend for fuel purpose. I dont have much benefits but customer support is excellent. The credit limit is very low but I am happy with it. It is not easy to feel like a credit card, very useful with low income also can maintain this card. Very convenient to use.
According to my salary, Citi Bank is giving good credit limit. I'm getting a good cashback offers and discounts. The given credit limit is quite good and its 2* of my salary. Annual fee is there and it will deducted based on my usage. The executive came to my office and took my documents.
I am having a salary account from CITI bank hence its easy to make the payment and its easy to convert the EMIs even customer care support is easy to contact. I am holding the rewards card from CITI bank hence i can able to convert my rewards points into cash. I never faced any hassles from this card.
For the benefits in fuel i got the credit card from CITI bank. There are some more benefits also available. Actually i was expecting more credit limit but the provided limit is less than my salary. Its a free card to use. I got the card without any delay.
I have received my CITI REWARDS CARD from Citi Bank that I applied online. I received the card on time. Credit limit is very less, I was expecting 3 times of my salary. It's a lifetime free credit card. Citi Bank customer service is very good and responsive.
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.