Top Picks
Best For | Card Name |
Fuel | IndianOil Citi Platinum Card |
Travel | CITI PremierMiles Card |
Premium | CITI Prestige Card |
Best Citibank Credit Card for Travel
CITI PremierMiles Card |
Benefits
The CITI PremierMiles Credit Card comes with welcome benefits of Rs. 1,500 and offers value of Rs. 450 on renewal. Moreover, you earn miles worth up to Rs. 1.2 on each eligible spend on travel categories (flights and hotels bookings).
Apart from it, you get complimentary lounges access and lost card liability cover along with air accident death cover.
Drawbacks
The welcome benefits are half of what you pay in the first year. Moreover, the APR is 37.20%, which is quite high.
Bottomline
The card offers miles rather than reward points; though you can redeem them against card charges. The card is weak in terms of benefits and only seems beneficial if you are a traveler.
Best Citibank Premium Credit Card
CITI Prestige Card |
Benefits
The card comes with benefits of Rs. 10,000 on joining as well as renewal. You earn double reward benefits on international transactions. Moreover, if you are a Citigold Private Customer than you can earn up to 30% additional benefits on all of your spend. Additionally, you get free unlimited access to international lounges along with complimentary airport travel, hotel stay, insurance protection and golf privileges.
Drawbacks
The annual fee is Rs. 20,000 which is quite high
Bottomline
The card offers great value on reward redemption and benefits, and comes free of cost for Citigold Private customers. It is most beneficial if you utilise the privileges offered on the card, otherwise it can become a burden on you.
Best Citibank Credit Card for Fuel
IndianOil Citi Platinum Card |
Benefits
The card comes with welcome benefit of Rs. 250, and easy annual fee waiver which can be availed by simply spending Rs.2500 or above monthly on the card. You earn 4x incremental reward points on fuel transactions and 2x incremental reward points at 20 partner grocery stores and supermarkets. Each reward point is worth Rs. 1 on redemption at fuel stations.
Drawbacks
The APR is 39% which is quite high as compared to Non-fuel Citibank cards.
Bottomline
The card is low in terms of welcome reward points; However, the annual fee waiver are easy to earn. The reward points offers great value against fuel redemption.
View Other Citibank Credit Cards
CITI Cash Back Card
Eligibility Criteria
- Applicant should be a resident Indian
- The minimum age of an applicant should not be less than 21 years.
- The maximum age of a salaried applicant should not be more than 60 years and must not be more than 65 years for self-employed applicants.
- The minimum age of an add-on cardholder should not be less than 18 years.
- Minimum Net Monthly Income of a Salaried Applicant should be Rs.30,000 in Metropolitan Areas and Rs. 25,000 in Non-Metropolitan Areas, along with a good credit history.
- Minimum Net Annual Income of a Self-Employed Applicant should be Rs.5 Lacs as per the latest ITR.
Documentation
- Passport Size Photographs
- Latest 3 months’ Salary Slip and Latest 3 months Bank Statement along with Income Tax Returns (ITR)/Form 16
- KYC Documents
Citibank Credit Card Offers
Citibank Credit Cards Reward Points – Earn & Burn
Spends | CITI PremierMiles Card | CITI Cash Back Card | CITI Rewards Card | CITI Rewards Domestic Card |
Dining | 4 Miles on each Rs.100 | NA | 1 point on each Rs. 125 | 1 point on each Rs. 125 |
Departmental Stores | 4 Miles on each Rs.100 | NA | 10 points on each Rs. 125 | 10 points on each Rs. 125 |
Grocery Stores | 4 Miles on each Rs.100 | NA | 1 point on each Rs. 125 | 1 point on each Rs. 125 |
Travel | Up to 10 Miles on every Rs. 100 flights and hotel bookings | NA | 1 point on each Rs. 125 | 1 point on each Rs. 125 |
Entertainment | 4 Miles on each Rs.100 | NA | 1 point on each Rs. 125 | 1 point on each Rs. 125 |
Utility Bill Payment | 4 Miles on each Rs.100 | NA | 1 point on each Rs. 125 | 1 point on each Rs. 125 |
Fuel | Nil | NA | Nil | Nil |
Online Shopping | 4 Miles on each Rs.100 | NA | 1 point on each Rs. 125 | 1 point on each Rs. 125 |
Partners | 4 Miles on each Rs.100 | NA | 1 point on each Rs. 125 | 1 point on each Rs. 125 |
International | 4 Miles on each Rs.100 | NA | 1 point on each Rs. 125 | 1 point on each Rs. 125 |
Spends | First Citizen Card | IndianOil Citi Platinum | IndianOil Citi Titanium | Citi Prestige Card |
Dining | 1 First Citizen Point per Rs. 100 | 1 Turbo point on Rs. 150 | 1 Turbo point on Rs. 150 | 1 point on every Rs. |
Departmental Stores | 1 First Citizen Point per Rs. 100 | 1 Turbo point on Rs. 150 | 1 Turbo point on Rs. 150 | 1 point on every Rs. |
Grocery Stores | 1 First Citizen Point per Rs. 100 | 2 Turbo points on Rs. 150 on partner grocery and supermarkets stores | 2 Turbo points on Rs. 150 on partner grocery and supermarkets stores | 1 point on every Rs. |
Travel | 1 First Citizen Point per Rs. 100 | 1 Turbo point on Rs. 150 | 1 Turbo point on Rs. 150 | 1 point on every Rs. |
Entertainment | 1 First Citizen Point per Rs. 100 | 1 Turbo point on Rs. 150 | 1 Turbo point on Rs. 150 | 1 point on every Rs. |
Utility Bill Payment | 1 First Citizen Point per Rs. 100 | 1 Turbo point on Rs. 150 | 1 Turbo point on Rs. 150 | 1 point on every Rs. |
Fuel | Nil | 4 Turbo points on Rs. 150 fuel transaction at IndianOil Outlets | 4 Turbo points on Rs. 150 fuel transaction at IndianOil Outlets | Nil |
Online Shopping | 1 First Citizen Point per Rs. 100 | 1 Turbo point on Rs. 150 | 1 Turbo point on Rs. 150 | 1 point on every Rs. |
Partners | 7 First Citizen Points per Rs.100 spent on private label brands at Shoppers Stop 5 First Citizen Points per Rs. 100 on other brands at Shoppers Stop | 1 Turbo point on Rs. 150 | 1 Turbo point on Rs. 150 | 1 point on every Rs. |
International | 1 First Citizen Point per Rs. 100 | 1 Turbo point on Rs. 150 | 1 Turbo point on Rs. 150 | 2 points on every Rs. |
Citibank Credit Card Bill Payment
Citibank Credit Card Payment through Citibank Netbanking
- Login into your Citibank Netbanking by filling your user Id & password.
- Go to the Bill Payment option under Payments & Transfer section.
- Now select the Credit Card you want to make the bill payment for.
- Click on Pay.
- Enter your credit card related information such as credit card account number, amount you want to pay and Click on the Next.
- Click on Confirm your payment. You’ll see an acknowledge receipt on successful completion of the payment.
Citibank Credit Card Bill Payment through Standing Instructions
- Download the Standing instructions form. Click here to download the Standing instructions form.
- Fill out the form and post/courier it to the following address – Citibank Card Center, PO Box # 4830, Anna Salai Post Office, Chennai – 600002
Citibank Credit Card Bill Payment through Citi Mobile App
- Download the Citi mobile app from App Store or Google Play Store and register using your user ID and password.
- Click on Payment & Transfer.
- Now click on Make Payment/ Transfer.
- Click on the Credit Card. If you don’t have your Citibank Credit Card already then click on Link Credit Card option to register the card first.
- You will see the latest bills amount & minimum balance paid for the selected credit card.
- Click on Pay Now. You’ll then see a form with different payment options listed.
- Choose any of the three payment options from the list
- Total amount due (TAD)
- Minimum amount due (MAD) or
- Other amount
- Fill the account number you want to make payment and click on Submit.
Citibank Credit Card Payment at nearest Citibank Dropbox
- Fill in the Citibank Credit Card number on your cheque for which you want to make the payment.
- Mention your name and phone number on the back of the cheque.
- In the Payee Name, fill Citibank Card No. XXXX XXXX XXXX XXXX (Your 16-digit credit card number)
- Write the amount you want to pay.
Citibank Credit Card Payment through Citibank ATM
- Walk into the nearest Citibank Branch or ATM.
- Insert your Citibank Credit Card into the ATM machine and click for the Bill Pay option.
- Enter your CitiBank Credit Card number and the amount you want to pay.
Citibank Credit Card Bill Payment through NEFT
- Login to your bank’s Netbanking service and go to NEFT Fund Transfer section.
- Enter the details as follows to add your Citibank Credit Card into Payee list.
- Payee Name : Name as shown on your Citibank Credit Card
- Payee Account Number : your Citibank credit card number
- Bank Name : Citibank N.A
- Payment Account Type : select any Account Type
- IFSC Code : CITI0000003 (This code will work for all customers residing in any Indian city)
- Branch Address : No. 2, Club House Road, Chennai – 600002
- Click on Confirm. You’ll see an acknowledgement on completing the transaction successfully.
Credit Card payment made using NEFT after 5:30 PM will be completed on the next working day.
Citibank Credit Card Bill Payment through RTGS
- Login to your Non- Citibank NetBanking Account.
- Click on “Fund Transfer” Tab under ‘Transfer to other Bank (RTGS) option
- Click on the ‘go’ Button.
- Select the payee as Citibank and mention the details required.
- Agree with all terms and conditions and click on “CONTINUE”
- Make the payment.
Citibank Credit Card Bill Payment through E-PAY
- Click here to start the process of payment by accepting the disclaimers. And, Click on “I ACCEPT”.
- Select the Bank Account from the drop-down list and now click on “EPay now” option.
- You’ll be directed to the selected bank’s netbanking interface. Login to your Net Banking User ID and Password and confirm the payment.
You’ll see an acknowledgement receipt on successfully completing the payment. Payment will take 2 working days excluding Saturday and Sunday.
Citibank Credit Card Bill Payment through ECS
- Click here to download the ECS form.
- Now you need to fill the form with all your details and post/courier it to this mailing address – Citibank Card Center, PO Box # 4830, Anna Salai Post Office, Chennai – 600002
Citibank Credit Cards – Fees & Charges
CITI PremierMiles Card | CITI Cash Back Card | CITI Rewards Card | CITI Rewards Domestic Card | |
Finance Charges | 3.10% per month | 3.10% per month | 3.25% per month | 3.25% per month |
Cash advance fee | 2.5% of the withdrawal amount domestic.Min Rs. 500 | 2.5% of the withdrawal amount domestic.Min Rs. 500 | 2.5% of the withdrawal amount domestic.Min Rs. 500 | 2.5% of the withdrawal amount domestic.Min Rs. 500 |
Annual fee | Rs. 3,000 | Rs. 500 | Rs. 1,000 | Rs. 1,000 |
First Citizen Card | IndianOil Citi Platinum | IndianOil Citi Titanium | Citi Prestige Card | |
Finance Charges | 3.25% per month | 3.25% per month | 3.25% per month | 3.25% per month |
Cash advance fee | 2.5% of the withdrawal amount domestic.Min Rs. 500 US$7.5 at International ATMs. | 2.5% of the withdrawal amount domestic.Min Rs. 500 US$7.5 at International ATMs. | 2.5% of the withdrawal amount domestic.Min Rs. 500 US$7.5 at International ATMs. | 2% of the withdrawal amount domestic.Min Rs. 300 |
Annual fee | Rs. 500 | Rs. 1,000 | Rs. 1,000 | Rs. 20,000 |
Other Charges
Charge | Amount |
Foreign transaction fee | 3.5% of the transaction amount |
Late Fee | Rs. 100 per monthFor CITI Prestige Card Rs. 300 to Rs. 950For Other Cards |
Minimum Payment | 10% of the remaining balance or Min Rs. 100For CITI Prestige Card 5% of the remaining balance or Min Rs. 100For Other Cards |
Over-limit fee | 2.5% of the overlimit amountMin Rs. 500 |
Returned payment fee | Rs. 500 per instance |
EMI Conversion Charges | NA |
Balance Transfer Charges | NA |
How To Apply for an Citibank Credit Card?
- Select a Citibank Credit Card as per your preferences given above.
- Click on “Apply Now” and fill the Online Application Form. You’ll be asked to provide some personal details such as your Address, Contact, Income, Employer Details, Educational Qualifications.
- Check the details and Submit
You’ll receive a confirmation message from Citibank after completion of the application form.
Note: If your application got rejected, you would be able to apply after 3 months of your previous application.
FAQs
What are the credit cards offered by Citibank?
Citibank is offering 4 credit cards – Citi PremierMiles Card, Citi Rewards Card, IndianOil Citi Platinum Credit Card, and Citi Cash Back credit card.
What I should know about Citi PremierMiles Card?
This card is an ideal choice for the frequent flyers. With the help of this card, you get to earn miles on all your spending and redeeming is also quite easy for hotel stays, car rentals, and flights.
What are the benefits and features of Citi PremierMiles Card?
- When you spend Rs. 1,000 on your card within 60 days of issuance, you get to earn 10,000 miles. In addition, on your card renewal, you get 3,000 miles.
- You are offered miles that never expire.
- You can easily redeem your miles for flights without blackout dates.
- You get to relax and unwind at some chosen airport lounges across India and enjoy some light refreshments while resting.
What is the interest rate for Citi PremierMiles Card?
There is a variable interest rate and it ranges between 37.20% and 42.00% per annum.
What is the annual fee for Citi PremierMiles Card?
The annual fee of Citi PremierMiles Card is Rs. 3,000.
What I should know about Citi Rewards Card?
Benefits and features of Citi Rewards Card are as follows –
- For every Rs. 125 spent at both department and apparel stores and selected partners, you stand a chance of earning 10 reward points.
- On your card activation, you have the advantage of earning 2,500 points.
- You get to redeem all your points instantly at the selected partners
- Lucrative redemptions options including – premium merchandise, holidays, cash back, and air miles.
What is the interest rate for Citi Rewards Card?
The interest rate is 3.25% per month (39% per annum).
What is the annual fee for Citi Rewards Card?
The annual fee for Citi Rewards Card is Rs. 1,000 but it is waived off when you spend Rs. 30,000 in a membership year.
What I should know about Indian Oil Citi Platinum Credit Card?
When you purchase fuel worth Rs. 150 at any authorised Indian Oil retail outlets across the country, with Indian Oil Citi Platinum Credit Card, you get to earn 4 turbo points. When you make a purchase of Rs. 150 at supermarkets and grocery stores, you get to earn 2 turbo points and 1 turbo point when you shop for Rs. 150 on dining, shopping, and more.
What is the interest rate for Indian Oil Citi Platinum Credit Card?
The interest rate is 3.25% per month (39% per annum).
What is the annual fee for Indian Oil Citi Platinum Credit Card?
No annual fee if you spend Rs. 30,000 or more on your card in a year. But, if you are spending less than 30,000, then you will be charged Rs. 1,000.
What I should know about Citi Cashback Credit Card?
- Whenever you purchase movie tickets, you get a 5% cash back.
- All you need is to tap-and- pay at the merchant terminals when you make a purchase of up to 2000 without mentioning your PIN.
- Whenever you pay via Citibank Online Bill Pay, you get a 5% cash back on utility bill payments.
- On your telephone bill payments, you get a 5% cash back.
What is the interest rate for Citi Cashback Credit Card?
A variable interest rate ranging between 37.20% and 42.00% per annum.
What is the annual fee for Citi Cashback Credit Card?
The annual fee for Citi Cashback credit cards is Rs. 500.
How to check accumulated reward points on my Citibank Credit Card?
By SMS
- Write REWARDS<space>XXXX (Last 4 digits of your card) and send it to 52484 for Airtel /Aircel/Idea/Vodafone subscribers. In case of other network service provider, send the text to 919880752484.
Online
- Login to your Citibank Online
How much Cash Advance Fee do I have to pay on Cash Withdrawal?
On Cash Withdrawal, a 2% Cash Advance fee on the withdrawn amount will be charged to the you. Cash Advance fee is subject to a minimum of Rs. 300.
Over Limit Charges?
An Overlimit Charge of 2.5% of the amount exceeding the credit limit of the card will be charged to the customer in addition to fees, charges and taxes. In any case, the over limit charges are subject to a minimum of Rs. 500.
Default Payment Charges?
In case of a default payment, Citibank would charge you a fee of Rs. 100 per month.
Cheque got bounced? Any charges?
A fee of Rs. 350 will be charged to you for every failed payment by Cheque, ECS or ACH.
How much currency conversion markup do I have to pay on a transaction made in a foreign country?
For any international transaction made into US Dollar, a currency conversion markup fee of 3.5% will be charged on the transaction amount. The transaction amount first be converted into Indian Rupee from US Dollar and the conversion fee will be applied on the exchanged amount.
For any international transaction made into currency other than US Dollar, the transaction amount will be converted into US Dollars first and then Indian Rupee; thus, levying double conversion charges on the transaction amount. First conversion charge would be applicable when the amount is being converted from Non-US Dollar currency to into US Dollars and second conversion charge on conversion from US Dollars to into Indian Rupees.
The exchange rate will be applicable on the card as offered by Citibank on the date of transaction settlement, not on the date of transaction.
Fuel Surcharge applicable?
A fuel surcharge of 1% of the fuel transaction is levied on the credit card, except if you purchase a fuel product at Indian Oil Petrol Pumps by swapping the card into EDC machine.
Surcharge on booking railway ticket?
A 1.8% surcharge would be applicable on the transaction value when booking a railway ticket using Citibank Credit Card.
How to check my Citibank Credit Card statement?
Through SMS
- Write STMT<space>XXXX (Last 4 Digits of your citibank credit card number) and sent it to 52484.
How to check my Citibank Credit Card outstanding balance?
Through SMS
- Write CARDBAL<space>XXXX (Last 4 Digits of your citibank credit card number) and send it to 52484.