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6 Best Citibank Credit Cards Review

6 Best Citibank Credit Cards Review

6 Best Citibank Credit Cards Review

Rewards or cashback or miles what do you need? Citibank has got it all. Enjoy unlimited benefits with these 6 best Citibank Credit Cards.

Citibank has been working for its users for a long time. It launched its first credit card in 1990 in India and also became the first bank to launch a credit card in India. The bank caters a wide variety of credit cards to its users according to their specific needs. From travel to shopping to lifestyle, etc., Citibank has the perfect card available for you.

6 Best Citibank Credit Cards Review (India)

In 2003, Citibank was able to acquire a market share of 35 percent in terms of allocating. It has never stopped to aim for more. And that’s why in 2014, it announced its plan to increase its credit card portfolio. They achieved this by launching two lifestyle products, namely – Citi Prestige and Citi Ultima Infinite. These cards were the solution for the discerning requirements of the global Indian.

Citibank has numerous credit cards for people with different spending choices. They give you unlimited privileges that include shopping offers, dining, travel offers, cashback, rewards, easy EMI payments, and many more.

Some of the credit cards have no joining fees and have an easy annual fee waiver. Citibank’s credit cards are mostly approved because they do not bear any additional costs. They also make a great choice available for salaried individuals.

The following are the requirements that you need to stand on to be eligible to apply for the Citibank Credit Cards.

  • 21 years of age is the minimum requirement to apply for the Citi PremierMiles Card.
  • The maximum age until you can apply for the Citi PremierMiles card is 65 years.
  • The income guidelines change from time to time and will be notified when you apply for the card.
  • It is important to be a resident of India and then only you can approach the bank for this card.

What are the documents required to apply for the Citi PremierMiles card?

Address proof (One of the mentioned documents)

  • Passport
  • Telephone bill
  • Electricity bill
  • Passport
  • Voter ID card
  • Ration card
  • Aadhaar card

Identity Proof (One of the mentioned documents)

  • Passport
  • PAN Card
  • Ration Card
  • Aadhaar card
  • Voter’s ID card
  • Driving license

Income proof (For salaried)

  • Recent payslips
  • Last 6 months bank statements

Income proof (For self-employed)

  • Recent ITR (Income Tax Returns)
  • Audited profit and loss statement
  • Balance sheet

Other documents

  • Duly-filed application form
  • Passport size photographs

Here is a few most popular Citibank credit cards review to tell you more about them.

1.Citibank Cashback Credit Card

CITIBANK CASHBACK CREDIT CARD

This card is for people who love to have cashback instead of gaining reward points. This card also helps you pay all your utility bills online effortlessly. Along with that, this card gives you discounts and saves your money on certain purchases online.

You can save up to 20% on all your dining expenses across 2000 restaurants all over India. Citibank has always put their user’s comfort before anything, and that’s why through Citibank Cashback Credit Card, they offer you easy EMI options at more than 2,000 consumer electronics and cell phone outlets, e-retailers and leading retail chains.

Annual Fees: – Rs. 500 and taxes, this card does not waive off the annual fees.

Rewards: – You get 5% cashback on movie ticket purchases, telephone bill payments, and all your utility bill payments made online through Citibank Online Bill Pay. Moreover, you get 0.5% cashback on all other spendings. Special online deals with 50% save on movie tickets are also available.

Various transactions earn you turbo points. Each turbo point is worth Rs. 1 cashback. On activation, you earn 250 turbo points that can be used for grocery, fuel, and other purchases.

Features: – This credit card interest rate ranges from 37.20% to 42% per annum. You also get instant loan facilities.

Eligibility:

  • Applicants should be over 21 years and below 65 years of age.
  • Indian citizens only can apply for this card.
  • Customers must have a regular source of income.
  • He/she should not have defaulted on payments.

Fees and Charges:

Particulars Amount
Annual Fee Rs. 500
Cheque/ECS/ACH bounce charge Rs. 500 per returned instrument
Extended Credit Charges Ranges between 37.20% to 42.00% per annum
Outstation Cheque Charge (based on the value of the cheque) Up to Rs. 10,000 – Rs. 50 per chequeRs. 10,001 to Rs. 1,00,000 – Rs. 100 per cheque

Above Rs. 1,00,001 – Rs. 150 per cheque

Reissue of lost, stolen or damaged card Rs. 100
Cash Advance Charges 2.5% of the amount/Min. Rs. 500. $7.5 at International ATMs
Railway ticket booking surcharge 1.8% of the transaction value
Fuel transaction charge 1% of the transaction amount, subject to a minimum of Rs. 10. Waived at Indian Oil Corporation outlets for transactions on Citi EDCs (electronic data capture terminals).
Overlimit Charges 2.5% of the amount (excluding fees, charges, and taxes) over the credit limit, subject to a minimum of Rs. 500.
Late Payment Fee ·        Rs. 300 for current balance less than Rs. 10,001·        Rs. 600 for current balance* of Rs. 10,001 and up to Rs. 25,000

·        Rs. 950 for current balance above Rs. 25,000

Apply Now

2.Citibank Reward Card

Citibank Reward Card

This card is famous for its reward points. You can get exciting gift vouchers and other offers as rewards. This card is most suitable for those who love to go out for shopping frequently.

This card also helps you get instant fuel redemption at more than 1200 IndianOil outlets. Also, it provides you with Air Miles for Air India and Jet Airways as a Frequent Flyer Membership Miles.

Annual Fee – Rs. 1000 and taxes, the card’s network is Visa. Here, during a membership year, if the spending is more than 30,000 INR, then the annual fee is waived off.

Rewards – For every 125 INR spent on apparel and department stores will earn you 10 reward points, and for other purchases, you can earn 1 reward point for every transaction of Rs 125.

Features – Per year if the purchase worth Rs. 30,000 and more is made, you will get 300 bonus points. Points can be easily and effortlessly redeemed at selected partners’ outlets instantly or later on as the rewards never expire. The card’s interest rate is 39 % per annum. You can also get benefits in the first year of application of worth Rs. 4800.

Eligibility:

  • Candidates must be more than 18 years and below 65 years of age.
  • Only Indian citizens can apply for this credit card.
  • Applicants must have a steady source of income.

Fees and Charges:

Particulars Amount
Annual Fee Rs. 1,000 (waived off on spending Rs. 30,000 in the preceding year)
Cheque/ECS/ACH bounce charge Rs. 500 per returned instrument
Extended Credit Charges 3.25% p.m. /39% p.a.
Outstation Cheque Charge (based on the value of the cheque) Up to Rs. 10,000 – Rs. 50 per chequeRs. 10,001 to Rs. 1,00,000 – Rs. 100 per cheque

Above Rs. 1,00,001 – Rs. 150 per cheque

Reissue of lost, stolen or damaged card Rs. 100
Cash Advance Charges 2.5% on the billed amount withdrawn*, subject to a minimum of Rs. 500.
Railway ticket booking surcharge 1.8% of the transaction value
Fuel transaction charge 1% of the transaction amount, subject to a minimum of Rs. 10. Waived at Indian Oil Corporation outlets for transactions on Citi EDCs (electronic data capture terminals).
Overlimit Charges 2.5% of the amount (excluding fees, charges, and taxes) over the credit limit, subject to a minimum of Rs. 500.
Late Payment Fee ·        Rs. 300 for current balance less than Rs. 10,001·        Rs. 600 for current balance* of Rs. 10,001 and up to Rs. 25,000

·        Rs. 950 for current balance above Rs. 25,000

Apply Now

3.Citibank Premier Miles Credit Card

Citibank Premier Miles Credit Card

This card is for the travel lovers. You can earn benefits and many rewards in the form of miles on your travel transactions. You can easily transfer your miles on Cathay Pacific, Delta Airlines, British Airways, Thai Airways, Malaysia Airlines, Eva Air, Etihad Airways, Singapore Airlines, Qatar Airways, Air India, and many more. By doing this, you will get 1 Frequent Flyer Air Mile for every 2 Miles you transfer.

You can redeem this benefit for over 100+ domestic as well as international airlines. The miles can also be transferred to any of the bank’s hotel and airline partners.

Annual fee – Rs. 3000 and taxes with a network of Visa. And the first-year fee is waived for Citi Priority customers.

Rewards – You can earn 10 miles for every Rs. 100 spent. It is valid only for airline transactions and at the Citibank’s Premier Miles website. And for other transactions, you will earn 4 reward points.

Features – For the first year, Citibank gives you the benefits of worth Rs. 19000. Also, if in the first 60 days of your card activation, any transaction worth Rs. 1000 will get you 10000 miles. Renewal of the card every year will give you 3000 reward points. The most important part is that your miles do not get expired; you can accumulate it and use it later on.

Complimentary Air Travel – Get access to premium services of ‘Premier Miles’ offering complimentary air travel across the globe.

Dining Privileges – Enjoy up to 15% discount at select restaurants across the country.

Eligibility:

  •  He/She must be at least 21 years of age.
  • He/She must be within 65 years of age.
  • The income criteria differ from time to time and will be communicated when you apply for the card.
  • You should be a resident of India or a Non-resident of India.

Fees and Charges:

Particulars Amount
Annual fee Rs.3,000 (Complimentary for Citigold customers)
Supplementary card fee Nil
Interest rate 3.1% to 3.5% per month or 37.20% to 42% per annum
Cash advance fee 2% for domestic withdrawal with a minimum amount of Rs.300.
Late payment fee Rs.100 per month
Over credit limit fee 2.5% of the over-limit amount, subject to a minimum of Rs.500
Cheque return or bounce fee Rs.350 per return
Railway ticket booking surcharge 1.8% of the transaction value
Re-issue of the card NIL
Cash payment at ATMs Rs.50 per payment

Apply Now

4.Indian Oil Citibank Platinum Credit Card

IndianOil Citi Platinum Card

This card is a popular fuel credit card. It saves your money up to 3.5% on your fuel payments. However, it also gives you benefits on other spending as well. Like, you get up to 15% savings on dining on participating restaurants. You also get some EMI privileges.

Annual fee – Rs. 1000 and taxes with a network of Master. If Rs. 30,000 or more are spent in the first year; then the annual fee will be waived off. Also if the spending is less than Rs. 30,000, then the annual fee of Rs. 500 will be charged.

Rewards – You can earn 4 turbo points on Rs. 150 fuel purchase (from any 1100 authorized IndianOil retail outlet all across India). Also, you get 2 turbo points on grocery and supermarkets shopping for Rs. 150. These points can be redeemed for exciting gift vouchers at major brands.

Fuel Surcharge Waiver – Customers do not have to pay the Fuel surcharge on using the card at fuel stations.

Dining Offers – Cardholders can get up to 15% discount at partner restaurants.

See Also
NiYO Global Forex Card Review Best For International Travel

Features – The card is specially designed for contactless payments. One can easily get up to 71 liters of fuel for free on a reward basis. The rewards points can be used whenever you wish to as per your convenience.

Eligibility:

  • The applicant must be an Indian.
  • Customers must be over 21 years of age at the time of application.
  • He/she must have a steady source of income.

Fees and Charges:

Particulars Amount
Annual Fee Rs. 1,000 (waived off on spending Rs. 30,000 in the preceding year)
Cheque/ECS/ACH bounce charge Rs. 500 per returned instrument
Extended Credit Charges 3.25% per month /39% p.a.
Outstation Cheque Charge (based on the value of the cheque) Up to Rs. 10,000 – Rs. 50 per chequeRs. 10,001 to Rs. 1,00,000 – Rs. 100 per cheque

Above Rs. 1,00,001 – Rs. 150 per cheque

Reissue of lost, stolen or damaged card Rs. 100
Cash Advance Charges 2.5% of the amount/Min. Rs. 500. $7.5 at International ATMs
Railway ticket booking surcharge 1.8% of the transaction value
Fuel transaction charge 1% of the transaction amount, subject to a minimum of Rs. 10. Waived at Indian Oil Corporation outlets for transactions on Citi EDCs (electronic data capture terminals).
Overlimit Charges 2.5% of the amount (excluding fees, charges, and taxes) over the credit limit, subject to a minimum of Rs. 500.
Late Payment Fee ·        Rs. 300 for current balance less than Rs. 10,001·        Rs. 600 for current balance* of Rs. 10,001 and up to Rs. 25,000

·        Rs. 950 for current balance above Rs. 25,000

Apply Now

5.Citi Prestige Credit Card

Citi Prestige Credit Card

This is a luxury credit card for people who are traveling and love to enjoy a luxurious life. This card is suitable for businessmen too, who have to travel abroad daily. You get the highest level of services in the way luxury travel updates and premium lifestyle privileges. One can enjoy the best luxury travel experiences through this card.

Apart from it, you get overseas medical insurance also with an Rs. 5 crore worth air accident insurance. If your card gets lost or it is a case of fraud, you get the protection of Rs. 3, 00,000.

Annual fee – Rs. 20,000 with a network of Discover.

Rewards – from Taj Group or ITC Hotels, you earn 10,000 bonus air miles and vouchers. You can earn 1 reward point on every spending of Rs. 100 in India and 2 reward points on every spending of Rs. 100 made abroad.

Complimentary Membership – Get Complimentary membership to Taj Epicure PlusPlan and InnerCircle Silver membership.

Features – you can redeem reward points in the form of flight tickets from some of the best online travel websites. You get Wi-Fi access, workstations, and complimentary drinks on over 800 airport lounges. A 4-night complimentary stay at iconic hotels across the world is also given to the users. You can also enjoy complimentary golf rounds at some of the most beautiful destinations.

Eligibility:

  • The minimum monthly income should be more than Rs.25,000.
  • The minimum age should be 23 years.
  • You can apply for Citi Bank credit card only if salaried.
  • The cardholder should be Indian or Non-Resident Indian.

Fees and Charges:

Particulars Amount
Annual Membership Fee Rs.20,000
Statement Request (beyond 3 months) Rs.100
Extended Credit Charges Up to 3.35% per month, accounting to 40.2% per annum, from the date of transaction
Fuel transaction charge 1% of the transaction amount, subject to a minimum of Rs.10. Waived at Indian Oil Corporation outlets for transactions on Citi EDCs (electronic data capture terminals).
Cash Advance limit Up to 80% of the credit limit, maximum Rs. 15,000 per day
Railway ticket booking surcharge 1.8% of the transaction value
Cash Advance Charges 2.5% on the billed amount withdrawn*, subject to a minimum of Rs.500.
Overlimit Charges 2.5% of the amount (excluding fees, charges, and taxes) over the credit limit, subject to a minimum of  Rs.500.
Late Payment Fee
  • Rs.300 for current balance* less than Rs.10,001
  • Rs.600 for current balance* of Rs.10,001 and up to Rs.25,000
  • Rs.950 for current balance* above Rs.25,000

Apply Now

6.Citibank Corporate Credit Card

Citibank Corporate Credit Card

This card is suitable for exclusive savings and offers. You enjoy many benefits on your hotel stays, travel, car rentals, and restaurants. You can also withdraw the local currency of a foreign country while you are traveling or making international payments.

Annual fee – there is no annual fee with a card network of Discover.

Rewards – you can earn 2 reward points on every purchase of worth Rs. 125. The reward points never expire and can be redeemed for air miles, hotel stays, and gift vouchers on major brands.

Dining Discounts – The cardholders are eligible for dining privileges of a discount up to 15% at select restaurants in all major cities as listed.

Fuel Surcharge Waiver – Cardholders are eligible for 1% fuel surcharge waiver at any Indian Oil fuel stations provided the transaction is done by using the Citi EDCs (Electronic Data Capture Terminals).

Features – Services of this card can be accessed through Citibank online, mobile banking, SMS banking, CitiPhone banking, and on more than two million ATMs worldwide. You can have access to your bank statement online anytime and anywhere. Users can pay their utility bills such as electricity, telephone bills, etc.

Eligibility:

  • The minimum monthly income should be more than Rs.25,000.
  • The minimum age should be 23 years.
  • You can apply for Citi Bank credit card only if you are salaried.
  • The cardholder should be Indian or Non-Resident Indian.

Fees and Charges:

Fees & Charges Amount
Joining/Annual Fee Is communicated at the time of sourcing
Cash Advance Fee 2% of the amount, min.Rs.300
Late Payment Charges 2.75% for payments overdue by up to 29 days.
4.50% for payments overdue by 30 days or over.
The minimum amount will be Rs.200.
Over Credit Limit Charge Nil
Cheque / ECS / ACH bounce charge Rs.350 per instrument
Fuel Transaction Charge 1% of the transaction amount, min. Rs.10. (Waived at Indian Oil Corporation outlets for transactions on Citi EDCs.)
Statement Request Older Than 3 Months Rs.100
Reissue of Lost or Stolen Card Rs.100
Outstation Cheque Charge Up to Rs.10,000 – Rs.50
From Rs.10,001 to Rs.1.00 Lakh – RS.1.00 Lakh
Above Rs.1.00 Lakh – Rs.150
Foreign Currency Mark Up Fee 3.5%
Foreign Currency Mark Up Fee Rs.100
Cash Deposits at Citi Branches Rs.50

Also Read: 7 Best SBI Credit Cards In India Review 2020

Citibank has many and a wide range of credit cards for its users having their particular needs. You just need to make a choice among these 6 Best Citibank Credit Cards and enjoy unlimited benefits.

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