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Citi Bank Credit Card

Apply online for Citi Bank Credit Card: Check your Citi Bank Credit Card Eligibility ✓ Offers ✓ Fee charges ✓ Reward Points ✓ Apply Online instantly at IndiaLends.

How it Works



Apply for a Credit Card online by filling an easy application form.


Select a Credit Card

Choose a Credit Card which best suits your needs and lifestyle.


Get Approved Quickly

Receive quick approval on your Citi Bank Credit Card.

Basic Eligibility Criteria

Good Credit Score

Above 23 Years of Age

Self-Employed or Salaried Professional

Resident of India

Valid Bank Account

Aadhar Card , Voter ID / Driving License and PAN Card

Bank Statements for The Last Three Months

Salary Slips for The Last Three Months

Comparison Table for Citibank Credit Card

IndiaLends brings an extensive list of Citibank credit cards online with various benefits and multiple offers especially designed for the customers. The cards are specialized for lifestyle, shopping, corporate uses and more, and come with diverse reward schemes and attractive cash back offers to best cater to customer preferences.

Apply for our range of Citibank Credit Cards online in less than 2 minutes. Check your eligibility in the Citibank eligibility section below, and compare the range of Citibank credit cards.

Name of the Citibank Credit Cards Fees and Charges Joining Perks Rewards
Citi Cash Back Credit Card

Joining Fee: Rs. 500

Annual Fee: Rs. 500


  • Enjoy 5% cashback on movie ticket purchases, telephone bill payment and all types of utility bill payments through Citibank Online Bill Pay service
  • Get 0.5% cashback on all your purchases
  • Avail up to 15% off on dining across 2000 partnered restaurant
  • Cashback of INR 500 is automatically credited to the statement
Citi PremierMiles Credit Card

Joining fee : Rs.3000

Annual fees : Rs.3000
( First year fee Waived for Citi Priority clients)

Get 10,000 Miles on spending of Rs.1,000 within the first 60 days.

  • Get 10,000 Miles on spending of Rs.1,000 within the first 60 days.
  • Earn 10 Miles on every Rs.100 spent on flight tickets and hotel stays on bookings made at and with select partners
IndianOil Citi Platinum Credit Card

Joining Fee: Rs.0

Annual Fee: 1000 (waived off on spends of Rs 30,000 or more in the previous year. Cardmembers with annual spends of less than Rs.30,000 on their Cards are charged an Annual Fee of Rs.1,000. Click here for Terms and conditions)

Get Rs.250 worth of activation benefits

  • Save more on fuel at IOC outlets.
    • 4 Turbo Points on Rs.150 spent on fuel at authorized IndianOil outlets (2.67% savings)
    • Complete waiver of 1% fuel surcharge at authorized IndianOil outlets.
  • Turbo Points never expire ! 1 Turbo point ‐ 1 Rs.
Citibank Rewards Credit Card

Joining Fee: Rs.0

Annual fee: 1000 (waived off on spends of Rs 30,000 or more in the previous year.)

Get 1,500 bonus points on your first spend made within 30 days of card issue

Get 1,000 bonus points on your first spend of Rs. 1000 made within 60 days of card issue

  • Earn 10X Reward Points for every Rs.125 spent at apparel and department stores and select partners
  • Earn Reward Points at rate of 1 point for every Rs.125 on all other purchases
  • Get 300 bonus points on card spends of Rs.30,000+ in a month

Frequently Asked Questions

General Questions

Q. What is a Credit Card?

A. A Credit Card is a plastic card issued by a financial institution which offers a line of credit to the customer to purchase goods/services. This line of credit comes with a limit which allows a customer to consume up to a specific amount, set by the financial institution which has offered the card.

Q. How is a Credit Card different from a Debit Card?

A. A Debit Card allows you to withdraw money which has already been deposited in you Bank. Hence, the money that is being used is deducted from your Bank account. However, a Credit Card is a form of Credit which is not related to your Personal bank accounts.

Q. What are the features of a Credit Card?

A. The features of a Credit Card are:
  1. Credit Cards have universal acceptability.
  2. For using a Credit Card, a customer has to pay a fixed sum as annual fees.
  3. Financial Institutions generally waive off the charges if the customer meets a certain criteria in terms of his expenditure behaviour.
  4. Credit Cards also come with a Balance Transfer option, allowing the customer to transfer its balance to another card and avail the benefits of cheaper interest rates.
  5. Customers can settle the balance with Monthly EMIs.
  6. Credit Cards come with a 24/7 service, unlike other card forms.
  7. Customers can easily pay off their utility bills using Credit Cards.

Q. What are the benefits of using a Credit Card?

A. Using a Credit Card comes with a lot of benefits:
  1. Ease in payments while shopping, dining, travelling and settling bills.
  2. Timely repayments on Credit Cards help in improving your Credit Score.
  3. Access to premium services offered by the financial institution which issued the card.
  4. Amazing discounts and cashbacks upon the purchases made using the card.
  5. Access to more funds in times of immediate need
  6. Expenditure tracking and monitoring using the modules offered.

Q. What is EMI? How is it calculated?

A. An equated monthly instalment (EMI) is the amount of money that is paid back to the lender on a monthly basis. It is essentially made up of two parts, the principal amount and the interest on the principal amount equally divided across each month in pre-decided tenure. The EMI is always paid up to the bank or lender on a fixed date each month until the total amount due is paid up

Q. Why will my Credit Card application be rejected?

A. If you have a bad Credit Score, have defaulted on repayments or don�t meet the basic criteria, you are likely to get rejected. If you do not meet the bank�s eligibility, you are likely to get rejected as well.

Credit Card Eligibility Questions

Q. What is the eligibility criteria for Credit Cards?

A. Anyone - whether self-employed or salaried professionals � with a regular source of income can apply for a Credit Card. One must be 23 years old at the time of applying. One must also have a good credit history to be eligible for a Credit Card. If you are interested in checking your credit history and learning about your credit worthiness before applying for a Credit Card, click here.

Q. What are the documents required for applying for a Credit Card?

A. Financial Institutions generally request for the following documents as identity and address proof of Credit which is not related to your Personal bank accounts.
  1. PAN Card
  2. Passport
  3. Driving License/Voter ID
  4. Aadhar Card
  5. Ration Card

Application Process and Fee Questions

Q. What are the other charges included in the Credit Cards process?

A. IndiaLends does not charge its customers any fees for applying for Credit Cards on its platform. However, financial institutions can charge the following fees along with interest payments:
  1. Add on Card Fee - The fee charged for applying for another card which shall have all the features of your primary Credit Card.
  2. Extended Credit Charges - It is a fee charged by financial institutions for extending the customer�s credit limit.
  3. Cash Withdrawal Charges � The charges paid by the customer to the financial institution for withdrawal of money.

Q. What are the modes available for Credit Card bill payments?

A. Net Banking, NEFT/RTGS Transfers, Debit Cards, Visa Money Transfer, Cash, Cheques, Demand Drafts are some of the ways of making Credit Card Bill Payments.

Q. What factors should I consider while taking a Card?

A. You need to consider the following factors when you take a Credit Card:
  1. Purpose of the Credit Card
  2. Expense behaviour to select the best Reward Scheme
  3. Number of Credit Cards you�re currently holding. Ideally, a customer should hold not more than 3 Credit Cards
  4. Any active loan/heavy EMI payment
  5. Interest Rate on the card
  6. Customer Service

IndiaLends - Specific Questions

Q. Will I be charged by IndiaLends for services offered?

A. No. The services offered by IndiaLends are completely free of charge.

Q. After I submit my application to IndiaLends, what next?

A. Once you fill-up our application form, your application will be matched with the best financial institution based on your credit profile, and will be securely sent to them. You will soon be contacted by the lender directly for disbursal.

Q. How do I apply for a Credit Card with IndiaLends?

A. You can fill-up our short application form and get a status update within minutes of applying.

Q. Can I deactivate my Credit Card?

A. Yes, Once you have decided to close your credit card, the first thing you need to do is to contact your card issuing bank and tell them regarding your card cancellation request. They will ask the reason behind your cancellation request to further guide you through the whole credit card cancellation procedure. According to the norms, you will have to send a written communication via email to your concerned bank so that they can verify and cross check the authenticity of the request. Do keep in mind, your cancellation request will only be accepted once your card holds no dues.