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Citibank Credit Cards

Citi Bank, a multinational financial services company, was first founded in 1812 in New York. The bank has a total of 2,649 branches in 19 countries. Citibank provides tailor made products to satisfy each and every customer requirement which can clearly be seen in their credit card offers.

Types of Credit Cards Offered by Citibank

Shopping: These are credit cards that are especially made for shopping be it online or offline with great benefits in the form of reward points or cash backs. The cards provided by Citibank in this category are

Citi Cash Back Credit Card

This is a convenient credit card that gives you the power to save even while you spend. It gives you Cash Back across all categories including the following:

  • 5% cash back on movie ticket purchases
  • 5% cash back on telephone bill payment
  • 5% cash back on Utility Bill Payments when you pay through Citibank Online Bill Pay

This Credit card has a hassle-free redemption process, where you can get cashback automatically as a statement credit. The redemption is done in multiples of Rs. 500. The card also offers shopping and dining discounts and privileges and offers convenient bill payment options.

Citi Rewards Credit Card

Citi Rewards Credit Card is a convenient credit card that gives you the power to save even while you spend. Using this credit card enables you to accrue reward points on your shopping which you can easily redeem for attractive options from travel, premium merchandise, and much more. This credit card has a hassle-free redemption process. The card also offers shopping and dining discounts and privileges.

Travel: These are credit cards made for people who love to travel and get benefits in form of reward points or miles which can be redeemed for attractive gifts or free tickets. The cards provided by Citibank in this category are

Indian Oil Citi Platinum Credit Card

Indian Oil City Platinum Credit Card enables you to earn Turbo Points in accelerated fashion when purchasing fuel at Indian Oil outlets. You can redeem the Turbo Points for a vast range of products including free fuel, exclusive products from lifestyle stores, or on leisure and travel. Choose to pay with your Turbo Points at select merchant outlets and online partners. If you have a large fuel bill, then this could be the card for you as it allows substantial savings on fuel purchases, while at the same time earning you rewards points on all your fuel spends.

Citi Premier Miles Credit Card

Citi Premier Miles Credit Card enables you to access complimentary air travel in accelerated fashion. You can redeem reward miles on domestic and international airlines and partner hotels. If you travel frequently by air, then this could be the card for you. It offers attractive rebates when booking air tickets and hotel stays through its partner websites. Those looking to enhance their travel experience can opt for this card as it offers exclusive lounge access to select airport lounges in India.

Why choose Citibank Credit Cards

Citibank bank provides different credit cards that cater to various customer needs. They understand the requirements of the customer and transfer that knowledge in the credit cards they offer. With great rewards, cashback, travel, shopping and elite credit cards, they cater to every aspect of a customer’s needs.

Apply for Citibank Credit Card

Knowing the need of the customer and making it comfortable for them Citibank bank provides multiple ways by which an individual can apply for a credit card.

Apply for Citibank credit card online

Citibank Website

You can go to Citibank bank website and check various credit cards. You can check the eligibility for the credit card you are interested in to make sure you don’t apply for cards you are not eligible for. By this simple step you make sure your card application is not rejected and thus your credit score is not affected.

Citibank Credit Card Eligibility and Documentation


There are certain factors or criteria stipulated by banks which needs to be satisfied before credit card applications are approved. They are

AgeMinimum 21 years
Maximum 65 years
Employment TypeSalaried or Self-employed
Employment statusEmployed/In-business for at least 1 yr. and at least 6 months with current employer/business
Minimum IncomeThis varies from card to card, but minimum salary required is Rs.3 lakhs per annum
Credit ScorePreferred 750

These are the general criteria which you need to satisfy for your credit card to be approved. These criteria will change from bank to bank.


The documentation required for an Citibank Credit Card is very simple and straightforward. You will require the following:

  • 2 passport size color photos
  • AID Proof (any one) - passport, driver’s license, voter’s ID, PAN, Aadhaar card
  • Address Proof (any one)- Passport, driver’s license, voter’s ID, Aadhaar card, Electricity bill, Telephone bill, Postpaid mobile phone bill, Bank account/Post Office savings bank account statement
  • Salaried - Latest 3 Months salary slip (or) Last 3 months' bank statements
  • Self-employed - Last year ITR along with Bank Statement for last 3 months and Form 16

Citibank Credit Card Benefits & Features

Credit cards have many uses apart from the rewards you get from spending using your credit cards. The following is list of uses that credit cards can provide you

1. Sign on bonuses: Some of the credit cards from Citibank provide sign on bonus or gifts as a thank you for signing with the bank. This is a great reward which will offset any joining fees paid already and get even more.

2. Rewards: Reward points are offered for any transaction that is made using your Citibank credit card. These reward points can be accumulated to obtain a great gift, or the points can be redeemed for cashback. Either way customer is the winner.

3. Frequent flyer miles: This is useful for people to travel by plan frequently. They get “miles” as reward for using your Citibank credit card to pay for airline ticket. With enough points you can avail discount on future tickets or you may be able to get tickets for free. Also, with some credit cards you get access to airport lounges which could be a life saver in case of delayed flights.

4. Cashback: Some Citibank credit cards also provide cashback on certain spends like 5% cashback for shopping online, 5% cashback for using your credit card to pay utility bills. This is a great way to save money on your spends.

5. Keeping vendors in check: Credit cards help in keeping vendors in check. Customers have the option to cancel payment or even if already paid the ability to revert payment if they feel the product they bought is below par. This way the vendors who provide the products will stay honest and provide better quality goods.

6. Insurance: Many credit cards come with insurance like travel insurance which can be availed. Many card holders don’t even realize they are protected and don’t utilize these facilities. It is bet to read the terms and conditions before you get a credit card and also know every feature available.

7. Universal acceptance: Unlike debit cards credit cards have universal acceptance. If you go to any foreign country, you can spend money by using your credit card and not go searching for a currency exchange center or ATM.

8. Instant Loan: Your credit limit is a source of loan which can be accessed immediately without requiring any approvals. This can be very useful in case of emergencies. There is also the option to convert your credit card bill to an EMI if you cannot pay back the bill immediately.

9. Credit score improvement: When you pay your credit card bill on a regular basis it will improve your credit score. As different credit or credit mix also forms a part of credit score, a credit card will help improve your score from that aspect as well.

Thus, credit cards provide a card holder a plethora of benefits.

Citibank Credit Card FAQ

What is the eligibility criteria for getting an Citibank Credit Card?

You need to be above 21 years old and below 65 years old with a steady income of at least Rs.3,00,000 per annum as a self-employed or working in a reputed company.

How to do Citibank credit card bill payment?

You can pay the bill on the Citibank website by logging into their internet banking portal or you can download their mobile app which also has the option of credit card bill payment. The offline method is where you can pay your bill at any Citibank branch.

Why was my Citibank credit card application rejected?

It could be any number of reason from low credit score, eligibility criteria etc. You should wait for the rejection letter which will have all the details and reason for rejection. If you have further queries you can contact Citibank credit card customer care for further information.

How can I check my credit card usage?

You can check your credit card usage or balance through Net banking, Mobile banking, visiting the nearest branch, ATM, calling customer service or opt for monthly statements and SMS alerts.

About CreditMantri

CreditMantri pre-screens your application to make sure you are likely to qualify as per the lender’s credit criteria. Hence, the chance of your credit card application getting approved is higher. It is quick, simple and above all, free.

Click here to sign up and apply for loans and credit cards, the CreditMantri way!


PayTm launches Unlimited Cashback Credit Card in association with CitiBank15 May 2019

PayTm has launched an Unlimited CashBack credit card called the PayTM First Card in association with CitiBank. This card allows 1% cashback for all spends and for an unlimited duration. The card comes equipped with NFC technology for contactless paym...

Read more

PayTm has launched an Unlimited CashBack credit card called the PayTM First Card in association with CitiBank. This card allows 1% cashback for all spends and for an unlimited duration. The card comes equipped with NFC technology for contactless payments and is acceptable internationally. The annual fee is Rs 500 which is waived off on minimum spending of Rs 50000 in a year. The card could be applied on the PayTM app.

Customer Reviews

4 / 5 (12 Reviews)
30 Sep 2017

Khardi tal shahapur near anand nagar

14 Feb 2017

"Happy with CreditMantri Where do I start? I don’t know whether I should talk about their easy website user interface, or about their customer service, or about their professional approach. The response which I received from CreditMantri was very helpful, and it was immediate. Talking about my IndianOil Citi credit card, well, for starters, it becomes your best friend if you own a Bullet ;) and love travelling. This is the best credit card I feel as it gives me fuel benefits. Love my bike and my fuel card. More purchase, more points, the better for me! Happy with CreditMantri. "

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