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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

1

Register

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

2

Select a Credit Card

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

3

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

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  • 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 www.premiermiles.co.in 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. How do I activate my Citibank credit card?

A. In order to activate your Citibank credit card, follow these simple steps:
  • Step 1: Visit the Citibank official website and click on login under the Citibank internet banking section.
  • Step 2: Click on the option "First Time User" available in the right side of the screen.
  • Step 3: Enter your account information including Account Type, 16-digit credit card number, CVV number, and more. Once you fill in the account information, you can log in to your account and update the details.

Q. How do I increase my Citibank credit card limit?

A. To increase your Citibank credit card limit, follow these given steps:
  • Step 1: Log in to your credit card account and click on Credit Card Services.
  • Step 2: Select " Request a credit card limit increase". Choose the account that you want to request a credit limit increase.
  • Step 3: Confirm the details and submit the request.

Q. What is apin for Citibank credit card?

A. APIN or ATM PIN is the pin required for authenticating transactions on the EMV Chip + PIN Card at various merchant terminals (EDC machines) and at ATMs.

Q. Which credit card offers the highest credit limit?

A. The credit limit offered does not depend on the type of credit card, but on the credit profile. Therefore, if you want to upgrade your credit limit, it would be based on your credit profile.

Q. How do I change my Citibank credit card PIN?

A. You can change your Citibank credit card PIN by:
  • Visiting the ATM: By inserting your credit card in the ATM machine, you will receive an option of "Change PIN" after validating your account. You can thereafter change the PIN as per your choice.
  • Net Banking: Log in to your net banking account and select "Credit Card Services". Click on "Change PIN" after which you will receive an OTP(One-Time Password) on your registered mobile number. Enter the OTP and thereafter the PIN of your choice. Re-enter the PIN to verify and click on submit.

Q. How does the contactless card work?

A. Contactless credit cards have a chip inside them that emit radio waves. An antenna is then built into the plastic to secure the connection with the contactless reader. This is called the Radio Frequency Identification(RFID) technology. To pay with a contactless credit card, the user needs to hold the card near the payment terminal and as it picks up the signal, it communicates the message and then process the payment. The payment terminal says if the payment is successful or not.

Q. Where and when can I use my Citi Contactless Card?

A. Although Citi Contactless card does not in any manner affect the existing functionality of the card, but may work only at select merchant locations which have a contactless enabled POS or a reader capable processing a contactless transaction. Therefore, it is advisable to confirm with the merchant whether Contactless mode is eligible or not.

Q. Are there any additional charges for using the card in contactless mode?

A. There are no additional charges for using a credit card in contactless mode. The charges are similar to the normal credit cards.

Q. How do I earn reward points? How many points do I earn per transaction?

A. Reward points are earned on every spends made through a credit card. The points earned on every transaction varies from card-to-card and in fact, the value of the reward points also vary on the same basis.

Q. How do I upgrade or convert my present Citibank credit card?

A. Generally, you are notified if you are eligible for an upgrade on your Citibank credit card. However, if you wish to convert your existing Citibank credit card to a better card, you can apply for the same by contacting the customer care number given in the back of your credit card.

Q. What is Over Credit Limit charge and how is it calculated?

A. The charge for overusing your credit card limit is known as over credit limit charge. This can easily be avoided by spending the amount that is within the credit card limit. Please note over utilisation of credit card limit is also known as maxing out a credit card and affects your credit score adversely.

Q. How can I check my credit card usage?

A. You can check your credit card usage by logging to your credit card account. Alternatively, you can contact the customer care and get the relevant details about your credit card usage.

Q. How many supplementary cards can I have and what are the charges involved?

A. You can apply for a maximum of 5 additional credit cards on your primary Citi credit card account. The charges for upto 5 add-on cards are NIL.

Q. What should I do if I lose my card or if my card is stolen?

A. In a case where your credit card gets lost or stolen, you must immediately contact the Citi customer care on 1800 267 2425 and block the card. This will prevent any fraudulent activities on your credit card.

Q. I want to avail the Balance Transfer facility on my credit card. How to place request for a balance Transfer on credit card?

A. If you wish to avail the balance transfer facility on your credit card, you can simply contact the customer care number or the number provided in the back of your card. You will be required to provide the necessary documents which could include last payment track records, PAN, ID proof, Aadhaar proof, and more. It depends on case-to-case and therefore is not indicative.

Q. What are the key charges applicable to credit cards?

A. The key charges associated to a credit card are annual fee and joining fee. Joining fee, as the name suggests, is a charge that you pay when your application form for the credit card is accepted. Annual fee is the fee charged for the benefits that come with that credit card. These charges depends on the card and the features and benefits associated with it.
Apart from these charges, the charges on a credit card depends on the usage of the credit card. These charges include late penalty fee, interest charges, and more.

Q. How can I block my credit card?

A. To block your credit card, you can contact the Citibank customer care on 1800 267 2425. Alternatively, you can contact on the number given in the back of your credit card.

Q. I want to apply for an ad on card, how to do that and to whom ad on card will be given?

A. You can apply for an add-on Citibank card for your Spouse, Children (Above 18 years of age), Siblings, Parents, Parents-in-law, Brother / Sister-in-law or Son/ Daughter-in-law. In order to apply for an add-on credit card, you can put in a request on the official website of Citibank. Please note the number of add-on credit cards in a particular account depends card-to-card basis.
Alternatively, you can apply via SMS by sending to 52484 from your registered mobile number. If you are not an Aircel /Airtel / Vodafone / Idea subscriber, send the SMS to 0988075248.

Q. How do a customer cancel the credit card?

A. You can cancel the credit card by
  • Calling Citibank helpline- The Citibank customer care is available 24*7. You can cancel your credit card by contacting 1860 210 2484 for callers within India and 91 22 4955 2484 (For callers outside India.
  • Writing a request for cancellation: You can write an application for cancellation by adding the following details including the cardholder's name, contact details, credit card type and number. This is to be sent at For ordinary post- Citibank N.A., P.O. Box No. 4830, Anna Salai post office, Chennai - 600 002 For registered post- Citibank N.A., Mail Room, Acropolis, 9th floor, New Door No.148 (Old No.68), Dr. Radhakrishnan Salai, Mylapore, Chennai - 600 004

Q. When is the late payment fee charged on credit card?

A. A late payment is charged when the payment is made after the due date. For instance, if the due date of a credit card is 4th of every month, a late payment fee is charged on the card if the payment is made after the 4th of the month.

Credit Card Eligibility Questions

Q. How can I apply for a Citibank credit card and what is the eligibility?

A. You can apply for a Citibank credit card in the following ways:
  • Online: You can visit the website of Citibank and apply for a credit card as per your choice. Thereafter, a representative will contact you with the offers available on your account.
  • Visiting a branch: You can visit any branch of Citibank to apply for a credit card. Although this is a time-consuming and tedious process.
  • IndiaLends: At IndiaLends, you can apply for a credit card in just 5 minutes. As per your details, we can provide you with the best credit card deals as per your eligibility.

The eligibility criteria for a Citibank credit card are:

Age: The applicant should be at least 18 years old.

Employment: Salaried or Self Employed

Income: Must have a regular source of income. The income criteria depends on the features and specifications of the card.

Q. What are the documents required for processing a credit card application and how do I submit the same?

A. The documents required for processing a Citibank credit card application are:
  1. Address proof (Passport/ Driving Licence/ Voters ID)
  2. Identity proof (Bank Statement/ Voter Id/ Driving Licence/ Pension Book)
  3. Income Proof (Bank Statement/ Pay Slip/ Income Tax return)
  4. Pan Card
  5. Passport size photo

Q. How do I apply for a credit card that can be used within India and overseas?

A. Most of the credit cards are universally accepted, that is within India and overseas too. However, there are certain cards that are limited to transactions within India. If you wish for a credit card that works globally, it is advisable to do a background check on the credit card to assess if it is universally accepted.
Please note the process to apply for a universally accepted credit card is similar to a normal credit card.

Q. What is an add-on card? How do I apply for same and what is the eligibility?

A. An add-on credit card is a privilege given to immediate family members such as spouse, children (Above 18 years of age), siblings, parents, parents-in-law, brother/sister-in-law or son/daughter-in-law. The charges for an add-on credit card depend on the features and benefits of the card and is billed to the primary account holder.

To apply for an add-on credit card, you simply need to put in a request adding the details of the primary credit card account and the details about the add-on member. The eligibility criteria for an add-on credit card are:
  • The primary account holder must permit the issuance of an add-on credit card.
  • The add-on member must be at least 18 years old.

Q. What are the documents required for add-on card application processing?

A. The documents required for add-on credit card application processing are:
  • Proof of age
  • Address proof
  • Proof of income of the primary cardholder
  • Photo ID

Q. How long does it take to apply for and receive a citibank Credit Card?

A. Citibank dispatches the credit card as soon as the documentation process is complete. Generally, it takes 5-7 days to receive a Citibank credit card from the date of applying.

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.