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Citibank Credit Cards

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4501 Reviews
Pros & Cons
More Details
Explore Cards
4501 Reviews
Pros & Cons
More Details
Citi™ Cash Back Credit Card
Get Upto 15% savings across participating restaurants
₹500
Joining Fee
Premium
Citi™ Cash Back Credit Card
₹500
Joining Fee
Get Upto 15% savings across participating restaurants
USP
Fly Anytime – Redeem Miles for flights without blackout dates
Citi™ PremierMiles Credit Card
Get 10,000 Miles on your first spend of ₹1,000 within the first 60 days
₹3,000
Joining Fee
Travel
USP
Fly Anytime – Redeem Miles for flights without blackout dates
Citi™ PremierMiles Credit Card
₹3,000
Joining Fee
Get 10,000 Miles on your first spend of ₹1,000 within the first 60 days
Citi™ Rewards Credit Card
Redeem now or keep collecting for something big later – it's a choice you have because your reward points will never expire
₹1,000
Joining Fee
Travel
Citi™ Rewards Credit Card
₹1,000
Joining Fee
Redeem now or keep collecting for something big later – it's a choice you have because your reward points will never expire
IndianOil Citi™ Platinum Credit Card
Get Upto 71 litres of free fuel each year
₹1,000
Joining Fee
Travel
Shopping
IndianOil Citi™ Platinum Credit Card
₹1,000
Joining Fee
Get Upto 71 litres of free fuel each year
* Terms & Conditions Apply

Citibank Credit Cards

Credit cards, the very word is a source of prestige and financial power wrapped up in a plastic card. If you own a credit card, you can avail tremendous opportunities and benefits with it, besides being able to purchase anything and everything instantly. They have come a long way since their inception in the 1980s, and they have been completely integrated with the intricacies of modern-day living. A lot of banks offer credit cards to their customers, but owning a Citibank credit card opens up avenues that you haven

There are certain features and benefits of having a Citibank credit card in your hands, and in the following discussion we shall see how all of them combine together to present to you an unmatched set of advantages and abilities you can have only with Citibank credit cards. We shall take a detailed look at what these cards have to offer and how they might make your fiscal management a lot easier, convenient and put it through disciplined system of management.


Why Choose Citibank credit cards?

The question might inevitably arise: why should one choose a Citibank credit card? The answer to this is multi-faceted and it requires a detailed look at the various aspects that are involved. Usually, various features would vary depending on the type of Citibank credit card you

It has certain benefits, including cashbacks, discounts, flier miles and much, much more. Regardless of your lifestyle choices or the kind of spending habits you possess, there


Apply for Citibank Credit Card:

You can apply for Citibank credit cards by two principal methods: offline and online. These two methods have their pros and cons, and it would be pretty relevant to have a look at each of them in order to understand what method of application is best suited for your preferences and requirements. In this segment, we shall primarily deal with offline application, its merits and demerits and recommending what items would be necessary to submit, lest you opt for this technique of applying for your Citibank credit card.

Before the advent of the Internet, one had to physically visit the branch of the bank from where they could apply for a credit card, and get them from the concerned branch. In the present day, even though Internet banking has become the dominant mode in carrying out banking activities, many people do opt for an offline application. It is for this reason that many banks

One of the main advantages of this method is in the fact that there is next to no chance of fraud taking place, since you are the one who visits the bank and you get to interact with the bank

However, the obvious disadvantage to the offline method of applying for a credit card is being actually present in the bank, lining up in a queue and waiting for your turn to personally collect the form, filling it up and then submitting it with the required documents. This involves a waste of time and a waste of energy, not to mention the re-scheduling of pressing events and work. This is the main reason why offline applications, although available, does not attract too many customers these days.

Nonetheless, if you desire to utilize offline methods in applying for a credit card, you would normally require three kinds of documentation for the bank officials to examine and investigate. These include a proof of identity, a proof of address and a proof of income. In India, while a proof of address and a proof of residence can be provided by furnishing an Aadhar Card, the proof income varies widely for different categories of employment. For example, if you are a salaried employee, you need to produce a salary slip, a certificate of salary or a letter of employment. In the case of self-employment, usually, a profit and loss statement or a balance sheet is sufficient. While establishing a proof of identity and of residence has become a mere formality, the real act of scrutiny revolves around examining the proof of income. More often than not, the annual income determines the chances of the bank sanctioning your application.

Now that we have considered the idea of applying for a credit card offline, we shall see how you can avail a Citibank credit card online.


Apply for Citibank Credit Cards Online:

The second method of applying for a credit card involves going online and applying for it. Usually, this happens on the official website of the bank, where one can find the section involving credit cards and then apply for them by clicking on the

The second method of applying for a credit card involves going online and applying for it. Usually, this happens on the official website of the bank, where one can find the section involving credit cards and then apply for them by clicking on the

When you

The main advantage of online application lies in the fact that it

However, the main disadvantage of this method lies in the inherent security threats on the Internet. Although websites of banks tend to be secure and protected by a number of counter measures, which minimize security breaches. Even so, there is no guarantee that the data you provide is going to be a hundred percent safe. Besides, the practice of phishing can further jeopardize the information you put out, and malicious activities can be committed using your own identity. Although, a number of anti-malware software is available which warn of potentially harmful websites, it never hurts to be careful.

There is a third way to apply for a Citibank credit card online and we can vouch for its smoothness, safety and security. And as if that wasn


This is a valid question in itself. After all, there are a plethora of financial websites that offer the same kind of services. What makes Chqbook different are the following:

It has a seamless navigation system that allows the user to easily navigate to the section dealing with credit cards, especially Citibank credit cards and to pages that contain exciting Citibank credit card offers.

The user interface is easy and very simple to understand. Anyone can easily log into the website and apply for their credit card at their own convenience.

When viewing the various credit cards that are offered by CITIBANK, the applicant can actually compare every aspect of these cards and themselves determine what kind of card is the best for them. A list of relevant information of the cards is listed side by side and each has been lucidly described, while spelling out any exceptions that might exist.

The steps involved in applying for a credit card are simple, and we continue to make the process more streamlined and more simplified. It doesn

Most importantly, the prospective credit card owner can get all the latest news regarding the credit cards and the Indian financial market at large. This is a significant feature of applying for credit cards at Chqbook, as now you can get to know the condition of the fiscal market before deciding whether or not you

All of these factors together contribute to the logical choice of logging on to our website and checking out various Citibank credit card details, before opting to by one. Our website is secure and we make certain that this security is not breached in any manner whatsoever. We ensure that customers visiting our site get the most benefit and do so with a sense of security and safety.

These are the approaches through which you can now apply for Citibank credit cards online. We especially recommend that you make your application through our website as it puts you in a position of verifying and examining all the information regarding the available Citibank credit cards online.


All the Citibank credit card types have certain common benefits and features, irrespective of any particular feature that specific card type might have. In this section, we shall take a look at these features that every Citibank credit card has and also elucidate on the benefits that you might get own possessing one:

All the Citibank credit cards can be used both within and outside of the political boundaries of India. So, you can carry your card anywhere in the world and yet be able to use them at any place and any time, especially if you are on a plan of international travel.

All Citibank credit card types come with the balance transfer feature. This means that when you opt for a new credit card with a low rate of interest, you can transfer the outstanding balance on your existing Citibank credit card to another card issued by another bank or financial corporation.

You can convert your monthly transactions into monthly instalments, or EMIs. You have the freedom to not only set the tenure within which you can pay off the EMI amount but also, the bank may offer very attractive interest rates, or none at all, depending on the type of card you are presently using.

You can your Citibank credit cards to pay off your frequently incurring expenses or utility bills. You can either use your credit card by physically swapping it or by providing its details online, on the website of a service for which you

Most cards by Citibank either have a joining fee or an annual fee. Basically, joining fee is the amount a new cardholder has to pay on getting their credit card sanctioned. In case that a joining fee does not exist for a certain kind of card, it could have an annual fee whereby customers need to pay a certain amount in order to subject their credit through an annual renewal. Depending on the kind of card you own, the joining fee or the annual fee may accordingly vary. In the case of some cards, the banks might declare them to be free for as long as you own them.

In the event of a fraudulent transaction, the banks will offer a liability coverage that would protect you from any loss of money resulting from such a transaction. This can only happen when you have reported the nature of this transaction to the bank authorities.

You can use your Citibank credit card to access ATMs and withdraw money from there. The bank would normally charge a small fee for this service, but this service allows you to withdraw money from anywhere in the world, especially when you need the cash very urgently.

If you require any kind of help with your credit card, Citibank has made available a phone service where you can call and clear your doubts and queries regarding your credit card, or make suggestions and complaints about your credit card experience.

The most important feature of all the credit cards Citibank has to offer is the wide variety of payment options for paying your EMI. You may use NEFT, net banking or cheques to pay your EMI amount to the bank when the time comes to pay the outstanding balance for the month.

Now that we have looked at the common features of all Citibank credit cards, it is now relevant to have a glance of the benefits all the credit cards by Citibank have in common. The list is as follows:

Almost all the credit cards have reward points associated with them. These points are awarded when a certain amount of money has been spent on using the card, and the number of points so gained tends to be fixed. Citibank credit card reward points tend to be different for different cards and the amount on whose spending these points are awarded vary from card to card as well. These reward points can be redeemed for gifts, discounts and flier miles.

For a certain amount of money spent using your credit card, you can get cashback offers on select Citibank credit cards, the amount for which you can get back a certain amount of cash is usually determined by the bank.

Credit cards by Citibank are exclusively used for travelling purposes have an attached travel insurance scheme with the. So, on going to a journey, you can rest assured that your dependents and relatives would be financially safe in the case of any kind of accident.

In case you are travelling by road, your credit card is eligible for a fuel surcharge waiver by Citibank. This means that upon spending a particular amount of fuel, per month, the cost on the fuel is paid by the bank itself. This facility is available on all petrol pumps within the territory of India.

Finally, if you possess Citibank credit cards, you have the ability to apply for add-on cards for your immediate family members. The main advantage on this is that the benefits and features that you enjoy on the primary card are available on the add-on cards, as well.

These are the features and benefits that are common to all extant Citibank credit card and they are available on all the credit cards the banks have to offer. There are specific features and benefits unique to individual cards, and they can be compared pretty easily to arrive at a more definitive decision as to which kind of card would suit you the best and to what ends can it be used. Thinking these out are very, very important as you would have to continuously use your card to reap all the benefits that are mentioned in the above list.

As far as eligibility is concerned, they are different for different card types. It purely depends on the applicant


Different Types of Citibank® Credit Cards and TypesJoining FeeAnnual Fee
Citi™ Cash Back Credit Card5000.00
IndianOil Citi™ Platinum Credit Card10000.00
Citi™ Rewards Credit Card10000.00
Citi™ PremierMiles Credit Card30000.00

Citibank has created a wide range of credit cards that cater to the needs and requirements of everyone. Whether you are a common person or a business tycoon, or just someone who loves to travel and experience everything that the world has to offer, there is a Citibank credit card for everyone. Here we list various Citibank credit card types along with their corresponding features and benefits listed side by side:

Citibank Cashback Credit Card: Contains no welcome gift. Has a 5% cashback on movie ticket purchases, telephone bills and utility bill payments. Has a cashback redemption option, in multiples of 500 rupees. An annual fee of 500 rupees is payable. Besides, it offers a 15% discount on dining bills at 2000 dining outlets.

Citibank Rewards Card: Offers 1500 reward points on the first spend made within a month of the card

Citibank Prenium Miles Credit Card: 10,000 miles are earnable on the first transaction of 1000 rupees within 60 days of getting the card. A further 10 miles can be earned for every 100 rupees spent ait airline transactions. 4 miles can be earned for every 100 rupees for other spends. An additional 3000 miles is achievable every time the card is renewed annually. The accumulated miles can be redeemed for flying and booking at over 100 airline services. The annual fees involved amount to 3000 rupees. AA complimentary access is available at more than 800 airport lounges around the globe.


FAQs for Citibank credit cards:

No matter how much you may have researched and studied about the different kinds of Citibank credit cards that are available, it is natural to still have a certain amount of lingering doubt inside. So it is okay if you have not understood anything, and so for that reason we have maintained the Frequently Asked Question section, where you can post a question of your own or get to see the answers we provide to those who have had the same questions as you currently do. As far queries for Citibank credit cards go, they tend to revolve around either general questions or on the specific Citibank credit card types that a customer would want to compare and then apply for it. General questions involve queries like the grace period available for various credit cards that are brought forth by Citibank, or the process by which the EMI is calculated while including the amount of interest

On the other hand, the second category of FAQs revolves around specific credit card types that are issued by the bank and the various features and benefits that are associated with them. Mostly, these questions involve understanding the particularities of these features and advantages of these cards, and the answers provided offer a more detailed description of the characteristics in as simple as a manner as possible, so that even the common man can understand what the various credit cards by Citibank have to offer to prospective customers. Sometimes, these questions also cater to the calculation of discount percentages that certain lifestyle and travelling cards come with. The bank provides detailed information so that the customers can know what they would be able to pay through their credit cards, lest they decide to use them to avail various commercial benefits in the lifestyle and travel sectors.

To conclude, we have taken a look at the various aspects of Citibank credit cards and we have laid out the various techniques with which you can apply for a Citibank credit card, both offline and online. We have presented the general benefits and features common to all the credit cards and we have discussed certain types of credit cards that the bank has to offer and the specific features that are associated with them. Armed with this information, we are confident that you can get to choose the best credit card that is promoted by Citibank.


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Citi™ Cash Back Credit Card
Get Upto 15% savings across participating restaurants
₹500
Joining Fee
Premium
Citi™ Cash Back Credit Card
₹500
Joining Fee
Get Upto 15% savings across participating restaurants

Chqbook Review

The Citi Cash Back credit card offers a bundle of benefits, helping customers save while they shop their heart out. Customers can get 5% cash back on all movie ticket purchases.

  PROS

  • Cash Back on almost all categories has us hooked to the Citi Cash Back Credit Card
  • Spending ₹25,000 a month get you more than ₹1,000 per month in savings
  • Statement Credit is a great feature and allows you to set off Points against your Monthly Credit Card bill
  • Citi Cash Back Credit Card has great in–store offers and allows for easy conversion to EMI's
  • Flexible interest rate ranging from 37.20% to 42% per annum
  • You get value added servicessuch as instant loan, EMI option on purchases above ₹2500
  • You can also avail the easy payment option to tacklecreditcard outstanding
  • With the card you can avail services such as Citibank online, mobile banking, sms banking and cityphone banking while on the go
  • The card is provided with a 24*7 customer support
  • You will get all your card statements both online and delivered to your address by post
  • There is a large variety of way in which the payment can be sorted out such as Citibank online, Citibank e-pay, NEFT/RTGS, Electronic clearing services, Drop box

  CONS

  • Your Savings are capped at ₹100 for Movies, Telephone payments etc. – so if you pay more than ₹2,000 in a year on these, you won?t get savings beyond ₹100
  • This Card is for people who use it primarily for Shopping and other day to day purchases – not great if you fly or use hotels a lot

USP
Fly Anytime – Redeem Miles for flights without blackout dates
Citi™ PremierMiles Credit Card
Get 10,000 Miles on your first spend of ₹1,000 within the first 60 days
₹3,000
Joining Fee
Travel
USP
Fly Anytime – Redeem Miles for flights without blackout dates
Citi™ PremierMiles Credit Card
₹3,000
Joining Fee
Get 10,000 Miles on your first spend of ₹1,000 within the first 60 days

Chqbook Review

Citi PremierMiles credit card is specially crafted to suit the lifestyle of a frequent air traveller. Coming from a premium credit card brand, PremierMiles card offers exclusive benefits like complimentary air travel, access to premium airport lounges and premier Air Miles

  PROS

  • If you are in the air a lot, go for this card. The added plus point is that you can redeem miles from over 100 different airlines – allowing you to use the best fares always
  • We really liked the 'Double the Miles' feature – if you are a Frequent Flyer with an airline, you earn Miles for the ticket purchased at 10 Miles per ₹100 rate. Plus, you acquire your regular FFP Miles for flying that airline
  • You earn 4 miles for every ₹100 on other transactions
  • Your Citi Premier Miles never expire – accumulate them and use them for that amazing trip to the Serengeti!
  • No Blackout dates for redeeming Miles – this is amazing and Citi PremierMiles has made redeeming Miles as easy as paying through your credit card
  • Redeeming your miles was never so easy before. You can instantly redeem your miles just by visiting the select websites
  • The Citi PremierMiles Credit Card comes with air accident insurance cover of ₹1 crore
  • Also you get to avail the lost card liability cover of ₹2 lakh
  • With the dining privilege you get to save 15%
  • EMI option is there for online travel booking and shopping, whichcan be availed at over 2000 stores
  • The cardcan be used to avail benefits at stores scatteredover 30 countries worldwide
  • With the Citi PremierMiles Credit Card, you can get instant loan
  • With the easy payment option, settling credit card outstanding was never so easy before
  • You get to enjoy flexible annual interest rates under the range of 37.20% to 42.00%

  CONS

  • You should book tickets only through the Airline website or through the premiermiles website. Booking through a site like Cleartrip or MakeMyTrip™ gives you lesser points
  • This card is for people who fly a lot. If you are thinking of using the card for many other things, it could be used, but there are other cards out there for specific requirements like Shopping, Rewards etc. This one is mainly for Flight rewards

Citi™ Rewards Credit Card
Redeem now or keep collecting for something big later – it's a choice you have because your reward points will never expire
₹1,000
Joining Fee
Travel
Citi™ Rewards Credit Card
₹1,000
Joining Fee
Redeem now or keep collecting for something big later – it's a choice you have because your reward points will never expire

Chqbook Review

If spends during a calendar quarter exceeds Rs. 1 lac earn 1000 bonus points.Get birthday bonus of 500 reward points

  PROS

  • Instant redemption at shopping outlets is very satisfying and the best way to make use of Points
  • Redeeming to get Statement Credit is a great feature we are sure you will Love
  • The Citi Rewards Card gives a high number of Points on Apparel and Department Stores – probably one of the best
  • The Citibank Credit Shield Plus offers coverage of Upto ₹5 Lakhs on the outstanding – this is a great feature in case your card is lost or stolen
  • Flexible interest rate of 3.25% per month
  • Choose easy EMI options at more than 2,000 consumer electronics and mobile phone outlets, leading retail chains and e–retailers
  • With dining benefits, cardholders can save up to 20% at over 1000 restaurants in the country.
  • Citibank credit card also offers Credit Shield Plus which provides coverage of up to ₹5 lakhs on the outstanding and customers can also avail personal accident cover
  • If you shop or book tickets online, then also you get instant redemption

  CONS

  • Though the Citi Rewards Card is great for Points and Redemption, it's not so good when it comes to Lounge access, and perks at Airports

IndianOil Citi™ Platinum Credit Card
Get Upto 71 litres of free fuel each year
₹1,000
Joining Fee
Travel
Shopping
IndianOil Citi™ Platinum Credit Card
₹1,000
Joining Fee
Get Upto 71 litres of free fuel each year

Chqbook Review

CitiBank has launched The IndianOil Citi Platinum Card which will benefit people who use their vehicle frequently. This card offers excellent rewards for fuel transactions.

  PROS

  • Outstanding Card for Fuel points and a must if you drive a car
  • You will love the sheer number of Restaurants, Airlines and Outlets this card lets you accumulate Points on
  • Another key point is that your turbo points never expire, so you can use them anytime you want
  • With the 24*7 helpline at your aid, you can check your turbo point's balance anytime
  • You are entitled for an exclusive concierge service with this card
  • The contactlesscardis very easy to use as well – for transactions up to ₹2000 you don?t even need to use PIN
  • The card comes with flexible interest rate of about 3.25% per month. The user can also avail the supplementary card without any additional cost
  • You can also avail the emergency card replacement benefit
  • With the card you can avail services such as Citibank online, mobile banking, sms banking and cityphone banking while on the go
  • The card is provided with a 24*7 customer support
  • You will get all your card statements both online and delivered to your address by post
  • There is a large variety of way in which the payment can be sorted out such as Citibank online, Citibank e-pay, NEFT/RTGS, Electronic clearing services, Drop box
  • You can get instant information regarding the card from your phone by SMS
  • Getting 71 litres of Fuel free each year is a big Plus
  • Converting Payments to EMI's at Retail outlets & Online is a strong feature

  CONS

  • To get the Fuel Turbo Points, the Indian Oil Citi Platinum Credit Card must be Swiped only on Citibank swipe machines
  • The Turbo Points when you fill Fuel at participating outlets, would be capped to a purchase amount of ₹10,000 (or 267 Turbo Points) per transaction. On transactions exceeding ₹10,000, customers would not earn any points
  • Card members with annual spends of less than ₹30,000 on their Cards are charged an Annual Fee of ₹1000

4501 Reviews Sort
Newest

Not up to mark

2 months ago | Drisya H
I am using this credit card from last 9 months, the credit card services are not up to the mark in this bank as there are too many charges on transactions. There is an emi conversion offer in this card but they charge extra for every month.

Useful card

2 months ago | Jatin Bhatnagar
Having this card allows you to use its benefits. You can enjoy up to 20% savings across 2000 restaurant and discounts on purchases at all merchant partner stores.

Great feature with this card

2 months ago | Mahesh Kumar
I have started using this credit card almost 2 years back. This card offers to use it's launge access facility along with its priority pass at airports. This card also has the features like EMI options, loan against credit card, cash back as well as reward points.

Satisfy with this card

2 months ago | Irengbam Romen Singh
I have got this card with a credit limit of Rs. 69000 and I'm satisfied with it. This card allows you to avail its offers on dining, traveling, movie tickets booking, fuel stations etc. Overall happy customer.

Great card

2 months ago | R DHANYA
I hold Citi bank Premier Miles credit card from past 1 year. You can avail instant loan on your credit cards. This card also offers easy payment options to settle outstanding card balance and balance transfer options.

Not satisfied with this card

2 months ago | Abhishek Patwal
I hold a credit card with Citi premier miles credit card and the limit which i hold is 45000. I am not satisfied with my limit. I do get reward points with the card. Mobile banking is more comfortable.

Great card

2 months ago | Vidyadhar Chaubey
With the use of this card you can enjoy up to 20% savings across 2000 restaurant and discounts on purchases at all merchant partner stores.

Good customer service

2 months ago | Srikanth Kumar Sana
I have been using this from past few months and the experience was good. I am getting reward points and loyalty points. Overall it has been a very good experience with the card and their services.

Good card

3 months ago | Sowrabha H S
This card give you the facility to enjoy services like Platinum Concierge, Supplementary Cards and Zero Lost Card Liability.

Collect lots of credit card

3 months ago | Duddu Eswara Rao
If you reguralry use this card you can collect lots of credit points because you can earn 3x points per rs.200 Spent on dining, movies, department stores, and groceries.


Reason: