Reward Rates:

  • 15%

    Save max 15% on dining.

  • 5%

    Save 5% on movies, utility bills, and telephone bills.

  • 0.50%

    Save 0.50% on other spend.

Introductry Benefits
Rs. 0/-
Joining Fee
Rs. 500/-
Annual Fee
Rs. 500/-
Annual Rewards
Rs. 0/-

Reward Rates:

  • 1.80%

    Earn 4 Reward Points on each Rs. 100 spent on regular purchase.

  • 4.5%

    Earn 10 Reward Points for spending at Premiermiles.co.in

Introductry Benefits
Rs. 4500/-
Joining Fee
Rs. 3000/-
Annual Fee
Rs. 3000/-
Annual Rewards
Rs. /-

Reward Rates:

  • 2%

    Earn 2 Points on international purchase.

  • 1%

    Save 1% on Fuel Surcharge and all domestic purchase.

Introductry Benefits
Rs. 20000/-
Joining Fee
Rs. 20000/-
Annual Fee
Rs. 20000/-
Annual Rewards
Rs. 20000/-

Renewal Bonus Rewards

Earn 10,000 bonus air miles along with vouchers worth Rs. 10,000.

Priority Pass Memebership

Avail Unlimited Complimentary Priority Pass Membership.

Reward Rates:

  • 15%

    Save max 15% on dining.

  • 2.8%

    Earn 10 Points on Apparel and Departmental Store Purchase.

  • 1%

    Save 1% on Fuel Surcharge.

Introductry Benefits
Rs. 875/-
Joining Fee
Rs. 0/-
Annual Fee
Rs. 1000/-
Annual Rewards
Rs. 0/-

Reward Rates:

  • 15%

    Save max 15% on dining.

  • 2.8%

    Earn 10 Points on Apparel and Departmental Store Purchase.

  • 1%

    Save 1% on Fuel Surcharge.

Introductry Benefits
Rs. 350/-
Joining Fee
Rs. 0/-
Annual Fee
Rs. 1000/-
Annual Rewards
Rs. 1000/-

Reward Rates:

  • 0.56

Introductry Benefits
Rs. /-
Joining Fee
Rs. /-
Annual Fee
Rs. 0/-
Annual Rewards
Rs. /-

Reward Rates:

  • 15%

    Save max 15% on dining.

  • 4.2%

    Save max 4.2% with reward points on shopping at ShoppersStop.

  • 1%

    Save 1% on Fuel Surcharge.

Introductry Benefits
Rs. 500/-
Joining Fee
Rs. 500/-
Annual Fee
Rs. 500/-
Annual Rewards
Rs. 500/-

Annual Fee Waiver

Earn back annual fee by spending Rs. 30,000 annually.

Reward Rates:

  • 15%

    Save max 15% on dining.

  • 2.66%

    Earn 4 Turbo Points on fuel purchase.

  • 1.33%

    Earn 2 Turbo Points on shopping at partner grocery stores and supermarkets.

Introductry Benefits
Rs. 0/-
Joining Fee
Rs. 1000/-
Annual Fee
Rs. 1000/-
Annual Rewards
Rs. 1000/-

Top Picks


Best For Card Name
Fuel IndianOil Citi Platinum Card
Travel CITI PremierMiles Card
Family No particular card for family.
Premium CITI Prestige Card
Frequent Spenders No particular card for frequent spenders.

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.

Bottom Line

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.

Bottom Line

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.

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.

Bottom Line

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.

Citibank Credit Card Eligibility


Eligibility Criteria
Age 21 to 60 Years
For Salaried
21 to 65 Years
For Self-Employed
Minimum 18 Years
For Add-on Cardholder
Income Rs. 25,000 per month
For Salaried
Rs. 5 Lacs per annum
For Self-Employed
  • 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.

Citibank Credit Card 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 Bill Payment


Citibank offers various methods to its credit cardholders to pay citibank credit card bills on time. These methods include both online as well as offline methods.

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.
  • Sign up with your Username and Password.
  • Choose “Make Payment” option.

Citibank Credit Card Bill Payment through NEFT

  • Login to your Non- Citibank Account.
  • Add your Citibank credit card as payee for fund transfer.
  • Make the Payment.

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. Click on "I ACCEPT".
  • Select the Bank Account from the drop-down list and now click on "EPay now" option.
  • Enter the User ID and Password there than make the payment

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 – Other Charges


Type of Charges Applicable Amount
Foreign transaction fee 3.50% of the transaction amount in Indian Rupee
Late Fee Rs. 100 per month
For CITI Prestige Card
Rs. 300 to Rs. 950For Other Cards
Minimum Payment 10% of the remaining balance or Min Rs. 100
For CITI Prestige Card
5% of the remaining balance or Min Rs. 100For Other Cards
Over-limit fee 2.5% of the overlimit amount.
Min Rs. 500
Returned payment fee Rs. 500 per instance.

How To Apply for 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?

Cardholder will not be eligible for Interest Free Period is he/she haven’t paid all the previous dues in full or have withdrawal Cash from ATM.

On What transactions do I have pay the finance charges?

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.