Citibank Credit Card

Highlights

  • Apply for Citibank credit card online & get ₹1000 cashback

  • Earn 10X rewards on apparel, 4X turbo points on fuel spends & redeem them anytime

Interest Cashback has been announced for borrowers who opted for Moratorium on Loans/Credit Card Payments as well as those who did not. It is applicable for the period of March 1 to August 31, 2020. The difference between the Compound Interest and Simple Interest for the said period based on the outstanding balance as on February 29, 2020, will be credited to your account (ex-gratia) as a cashback. Please note that this is NOT an INTEREST WAIVER.

About Citibank Credit Card

Citibank, which started its operations way back in 1902 in Kolkata, is one of the leading credit card players in India, The bank addresses unique customer needs with a rich vein of credit cards that help one shop galore and earn exciting rewards, cashback and discounts. Till the mid of 2017, the bank held a 13% market share of retail credit card spends in India, as per media reports.

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    Professional Details

    Personal Details

    Citibank Credit Card Offers at a Glance

    What would also prompt you to apply is due to the fact that Citibank offers the best-in-class credit cards in rewards, shopping, travel, fuel and other categories. Let’s check out the points below based on which Citibank cards rule the heart of shoppers.

    • Accelerated miles on travel spends
    • 4X turbo points on fuel spends
    • Unlimited 1 turbo point for every INR 150 spent
    • 10X reward points on apparel and departmental stores
    • Redemption against vehicle refill at more than 1200 IOC petrol pumps, mobile services, movie tickets, flights at several airline partners
    • Evergreen reward points as they do not expire
    • 5% cashback on movie ticket purchase, payment of telecom and other utility bills
    • And much more

    Limited Period Offer: Apply today to get an Amazon Pay Gift Card worth INR 1000 on spending INR 5000 or more on your new Citi credit card within the first 60 days. T&C apply*

    T&C:

    • Offer valid from 15th July 2020 to 31st August 2020 and applications submitted on or before 31st August 2020
    • Customer needs to be from following locations Delhi/NCR, Mumbai, Pune, Hyderabad, Bangalore, Chennai, Ahmedabad, Kolkata, Chandigarh, Jaipur, Baroda and Coimbatore
    • An individual participant to this Offer can be eligible for the reward only once
    • INR 5000 or more can be spent in one go or in multiple transactions within 60 days of new card issuance. All POS (Point of sale) transactions including online purchases will be considered as spends
    • This Offer cannot be combined with any other offers and cannot be assigned/transferred to any other person/customer
    • Amazon Gift Card will be issued and shared via SMS/email within 90 days of customer meeting the eligibility criteria. Gift Card will have a minimum validity of 9 months from the date of issuance of Gift Card. The exact validity date will be communicated at the time of gratification basis customer eligibility
    • Citibank reserves the sole discretion to select the list of qualifying participants based on criteria set by Citibank only and the same shall be final and binding on the entrants. Issuance of Credit Card is solely the discretion of Citibank and based on internal criteria and processing. Citibank’s decision in this regard shall be final
    • Citibank reserves the right to disqualify any participant if it has reasonable grounds to believe that the participant has breached any of the terms and conditions of the Offer
    • Citibank is under no obligation to disclose or publish the identity of the participants for any reason whatsoever at any point of time
    • Citibank reserves the right to extend or terminate this Offer without prior notice. Citibank also reserves the right at any time, without prior notice, to add/alter/modify/change or vary all or any of these terms and conditions or to replace wholly, or in part, this offer by another Offer, whether similar to this Offer or not, or to withdraw it altogether

    Best Citibank Credit Cards in India November 2020

    Credit CardsRewards, Cashback, MilesAnnual Fee
    IndianOil Citi Platinum Credit CardEarn 4 turbo points on fuel transactions worth INR 150 at Indian Oil outlets across India INR 1,000, to be reversed on annual spends of INR 30,000 or more
    Citi Rewards Credit CardGet 10 reward points on spending every INR 125 on apparel and departmental storesINR 1,000, to be reversed on annual spends of INR 30,000 or more
    Citi Cash Back Credit CardEnjoy 5% cash back on spendsINR 500
    Citi PremierMiles Credit CardGet 10 miles on spending every INR 100 on airline transactionsINR 3,000 (First year fee waived for priority customers)

    IndianOil Citi Platinum Credit Card

    • Get 4 turbo points for every INR 150 spent on fuel at authorized Indian Oil retail outlets across India
    • Earn 2 turbo points for INR 150 spent on grocery and supermarkets
    • Get 1 turbo point for INR 150 spent on dining, shopping, etc
    • Get the turbo points redeemed against fuel purchase at more than 1200 authorized Indian Oil retail outlets across India. Get INR 1 of free fuel on redeeming a turbo point.
    • Redeem the points earned instantly at select online partners and merchant outlets
    • Gift vouchers on redeeming points at major brands
    • Enjoy a fuel surcharge waiver

    Citi Rewards Credit Card

    • Get 10 reward points for spending every INR 100 on apparel and departmental stores
    • Earn one reward point on all other spends
    • Redeem the points earned instantly at select partners
    • Earn 2,500 points on the card activation

    Citi Cash Back Credit Card

    • Enjoy 5% cash back on the purchase of movie tickets
    • Get 5% cash back on telephone bill payments
    • 5% cash back on utility bill payments when done through Citibank Online Bill Pay

    Citi PremierMiles Credit Card

    • Get 10 miles for every INR 100 spent on airline transactions and at the website of PremierMiles
    • Miles can be redeemed at more than 100 domestic and international airlines
    • Enjoy the luxury of miles transfer to airline partners such as Air India, Jet Airways, Singapore Airlines, Qantas, Etihad Airways, Eva Air, Malaysia Airlines, Cathay Pacific, British Airways, Virgin Atlantic, Thia Airways, Flying Blue, Turkish Airlines, Qatar Airways, etc. Miles can be transferred to the hotel partner Taj InnerCircle.

    Exciting Cashback Offer on Citibank Credit Card Online Application

    Before diving into Citibank credit cards and their respective offers, let’s just quickly go through an exciting offer of INR 1,000 cashback applicable to those applying for a credit card online. The offer is valid for a minimum spend worth INR 5,000 within 120 days of the card issuance. Type Promo Code CITI1000 at the prescribed space in the online application form to be eligible for the offer. Sounds exciting, isn’t it?

    Referral Programme – Another Exciting Addition

    The bank runs a credit card referral programme by which you can earn rewards or gift vouchers. If you already hold a credit card or savings account with Citibank, you can refer your friends and family members for Citibank credit card and earn cash up to INR 9,999. If you do not have any relationship, you can earn Flipkart vouchers worth up to INR 5,000.

    How to Refer Family Members or Friends for Citibank Credit Card?

    You can refer using Facebook or Gmail. Another way is to enter your name, email ID, mobile number and Citibank credit card number and click on ‘Proceed’ to refer. You may have to enter the details of the individual you refer to.

    Citibank Credit Card Eligibility

    You can check your eligibility for Citibank credit cards on the website of the lender. All you need to do is to mention your personal and professional details before Citibank can list out the cards for you are eligible for. As a matter of fact, both salaried and self-employed with a minimum of 18 years can apply for a card.

    Documents Required

    Submit the following documents supporting your identity, residence and income.

    Identity Proof – PAN Card/Voter ID/Passport/Aadhaar Card/Driving License

    Residence Proof – Voter ID/Passport/Aadhaar Card/Driving License/Utility Bill

    Income Proof – Latest salary slips (Salaried), Income Tax Return (ITR), balance sheet and profit & loss account for the last 2-3 years (Self-employed)

    How to Apply Online at Wishfin?

    The process entails the following steps –

    • Visit the official website of Wishfin
    • Go right down the bottom to see a list of pages under ‘Credit Cards’
    • Click on ‘Citibank Credit Card’
    • The page will open with details regarding the card
    • Amidst card details, you can also see a form asking you to mention your personal and professional details
    • Once done, submit the application

    How to Apply on Citibank Website?

    • Visit the official website of Citibank
    • Go to ‘Credit Cards’
    • Click on ‘Apply Now’
    • Click on the card you want to apply for
    • Enter relevant personal and professional details before submitting the application

    How to Apply at Citibank Branch?

    • Visit the nearest Citibank branch
    • Ask for the Credit Card Application Form
    • Mention the details correctly
    • Submit the form along with relevant KYC documents
    • The application will get processed and approved upon a successful verification

    Citibank Credit Card Application Status

    Applied for your favourite Citibank credit card? Want to know the exact status of the application? Go online and find that out. You can visit the bank’s website to know whether the application is approved, pending or rejected. Whatever the status may be, you can see that online. The status can also be known giving a call to the customer care or the concerned bank branch.

    Citibank Credit Card Bill Payment

    You can pay the bills by any of the payment options –

    • Internet Banking
    • Cheque
    • Demand Draft
    • Cash
    • Payment Gateways

    Citibank Credit Card Customer Care Number

    If you have any concern or query related to your Citibank credit card, nothing to worry as the customer care of the bank is always at your support. It can give you complete guidance regarding your new or existing credit cards. You can get in touch with the executives 24×7 on 18602102484 (for resident Indians) and +912249552484 (for people outside of India) and tell your queries to them. No matter which city you live in, the bank with its best of customer care team will solve any query of yours.

    Citibank Credit Card Limit

    The Citibank Credit Card limit would mostly depend on your income, repayment potential and CIBIL score, etc. Ideally, the income should be sufficient to ensure a smooth payment of the card dues. Plus, the credit score should be 750 and above to get a higher limit.

    How Should You Utilize Your Citibank Credit Card Limit?

    You should do so by

    • Making discretionary purchases
    • Spending keeping in mind the income and other obligations
    • Ensuring the limit is utilized on purchases that fetch you more reward points, discounts, cashback and other privileges

    Can Citibank Raise the Credit Limit Afterward?

    Yes, the bank can raise the limit based on a variety of positive cues, such as timely payment track, effective credit utilization ratio, besides the usual income and repayment capability. Citibank would keep a close look at how you repay the dues. And if it’s found that you have been paying on time, there’s a growing possibility that the bank would raise the limit. So, keep maintaining a strong repayment track to get the approval for a hike in the limit after a year or so from getting the card.

    Citibank Credit Card Login

    Citibank credit cards come to you with many impeccable features and benefits, and one of them is providing you with the login facility. Yes, you can anytime log in to your Citibank account and can do various things with your account. You can know the status of your card, if you have applied for a new one, or check your previous transactions, or explore numerous other possibilities.

    Citibank Credit Card Statement – Important to Check

    A proper track on the expenses is always beneficial to live a hassle-free credit card experience. And how it’s going to be achieved, any guesses? It’s the statement that will help achieve the same. The statement can be accessed on the e-mail ID as well as by requesting the same at the nearest Citibank branch. The statement will provide a complete detail of the expenses made, reward point summary, along with taxes and late payment charges, if levied. You can thus get to know the reward points earned and redeem them at several online and offline brands.

    How Do I Check My Citibank Credit Card Balance?

    You may forget to keep a tab on the available credit card balance while you are busy shopping. In the process, you can bump out more of the credit limit available. This makes it necessary to know the available balance. How will you know it? Simple, just log in to your Citibank net banking account, go to ‘Account Summary’, then to ‘Choose Credit Cards’ and choose a particular card for which you want to know the balance.

    You can get a summary of the balance as well as the total outstanding on a particular date. Alternatively, you can text an SMS by typing CARDBAL followed by a space and the last four digits of your credit card number from the registered mobile number. Last but not the least, you can ring the 24×7 customer care center to know the same.

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