| Description | Charges |
|---|---|
| Joining / Annual fees | For primary and additional card(s) is communicated above. |
| Cash advance fees | 2.5% on the billed amount withdrawn*, subject to a minimum of ₹500. |
| Late payment charges |
|
| Over credit limit charge | 2.5% of the amount(excluding fees, charges and taxes) over the credit limit, subject to a minimum of ₹500. |
| Cheque / ECS / ACH bounce charge | ₹500 per returned Cheque / ECS / ACH. |
| Fuel transaction charge | 1% of the transaction amount, subject to a minimum of ₹10^. Waived at Indian Oil Corporation outlets for transactions on Citi EDCs(electronic data capture terminals). |
| Railway ticket booking surcharge | 1.8% of the transaction value^. |
| Statement Request (beyond 3 months) | ₹100 |
| Reissue of lost, stolen or damaged card | ₹100 |
| Outstation Cheque Charge (based on the value of the cheque) |
|
| Foreign currency transactions* | For international transactions in US Dollars, 3.5% mark-up on the INR equivalent of the US Dollars, at the conversion rates published by the card networks. For international transactions effected in currencies other than the US Dollar, the transaction would first be converted into US Dollars, at the conversion rates published by the card networks. On the US Dollars amount, 3.5% mark-up would be levied on the INR equivalent of the US Dollars, at the conversion rates published by the card networks. Foreign currency transactions will be billed in Indian Rupees, using exchange rates published by Card networks, as of the date of settlement of transaction and not on the date of the transaction. The billed amount will include the INR equivalent transaction amount, mark-up levied by Citibank and applicable Goods and Services Tax (GST). |
| Cash deposit at Citi branches | ₹250 per deposit |
| Cash deposit at Citi ATMs | ₹100 per deposit |
Citibank Credit Cards
Citibank has been in operation since more than a century. Today, it has become a market leader. With presence over 28 cities, the bank deals with accounts such as Savings, Current & Salary accounts. Along with these, the bank has also been dealing the credit cards and has more than a million credit cards in operation. Citibank offers an exclusive range of credit cards to cater to our shopping, traveling, partying, eating, and other needs.
Benefits of Citibank Credit Cards
If you are an already existing Citibank Credit Card user, you would know that these credit cards come with exciting reward schemes. It can be any need of yours, Citibank Credit cards will fit your need.
- Insurance: Most of Citibank credit cards will come with benefits such as covering travel, lost luggage, health and other accidental costs.
- Exclusive rewards: Getting a Citibank credit card means that you will not only be able to earn attractive rewards regularly but also, they can be reclaimed with very special deals.
- Credit cards of different varieties: Depending on your lifestyle, shopping, travel etc needs, you will always be able to find the right Citibank credit card for you.
Eligibility for getting Citibank Credit Cards
- You should be between the ages of 18-70 years.
- A resident of India
- A good CIBIL SCORE is a must
- You must have a fixed monthly income(the income that is required varies from one card to another).
Documents Required to Apply
- Passport size photo (coloured)
- Proof of address (electricity bill, ration card)
- Photo ID Proof (driving licence, voter ID)
- A signed consent form.
Here are a few main Credit cards from Citibank that you can choose from:
- Indian Oil Citi Platinum Credit Card
This is a cobranded credit card in partnership with Citibank and Indian Oil. With this card, you can earn turbo points on all expenses and even more made on authorised Indian Oil fuel stations. So, if you’re looking to save your fuel expenses, this is the card for you.
- Citi Rewards Card
With this credit card, whenever you shop, earn reward points that can be redeemed for attractive options. The good thing about this feature is that your points don’t expire!
- Citibank Cash Back Credit Card
This is a credit card that will help you to save on everyday spends. From utility bill payments, telephone bill payments to even movie ticket purchases, now save on every payment. You can also use a Citi Bank online savings calculator to find out how much you can save with this card.
Now that you know which credit card suits your needs the best, below are the details for each of these credit cards:
| Sr. No. | Card Name | Key Offering | Benefits | One-year fee | Joining perks | Actions |
|---|---|---|---|---|---|---|
| 1. | Indian Oil Citi Platinum Credit Card | This fuel credit card offers benefits & rewards on mostly fuel purchases. |
| The annual fee is Rs.0 when you spend Rs. 30,000 in a year. | Nil | Apply Now |
| 2. | Citi Rewards Credit Card | A Credit Card for those looking for rewards. |
| The annual fee is Rs.0 when you spend Rs. 30,000 a year. | Nil | Apply Now |
| 3. | Citibank Cash Back Credit Card | For the ones who look for cashback. |
| Rs. 500 | Nil | Apply Now |
As you must have understood, these credit cards from CitiBank are a perfect for people with different kinds of needs. We hope we have made your decision to choose the right credit card a bit easier for you. Once you have decided which credit card to apply for, you can apply for these credit cards both offline & online.
FAQs
Credit Card is a banking product that allows the customer to purchase goods and services on the credit limit offered through the credit card. This limit is given by the bank/financial institution that have offered the credit card.
Credit Card allows you to purchase goods and services from the credit offered to the customer by the bank/financial institution whereas a debit card allows the customer to withdraw money or to purchase goods and services from it. The amount is what you deposit in your savings or current account.
A credit card has the following features:
- It has universal acceptability
- Can be used anytime anywhere without any expenditure cap
- While few credit cards come free but those with higher credit limit come with annual fee
- The outstanding amount can be paid back via EMI options
- Cash limit is also given along with credit limit
There are a lot of benefits that come with a credit card:
- Easy dining, travelling, utility, shopping payments
- Credit scores are maintained with credit card timely repayments, which help in availing other loans
- Attractive offers, discounts and cashbacks given on credit card purchases
- Enhanced credit limit if good credit history
EMI is called Equated Monthly Installment of the total outstanding amount that is repaid to the credit card issuer on monthly basis. It is calculated by adding the payable share of principal amount and interest on the principal amount equally divided monthly for the total tenure which is pre-decided.
Any self-employed or salaried person with fixed source of income can apply for a credit card. The applicant should be 23 years of age and should have good credit history.
You need the following documents to apply for any credit card:
- PAN Card
- Passport
- Driving License
- Voters Id
- AADHAAR Card
The following are the probable charges while you apply for credit card:
- Add on Card Fee: If you apply for an add-on card, you may have to pay a fee for that.
- Extended Credit Charges: If the credit limit is extended on your credit card, a small fee may be levied.
- Cash Withdrawal Fee: You may be charged a small amount if you withdraw any amount from cash limit.
You may pay your credit card bills through net banking, NEFT/RTGS, debit card transfer, cash payment, cheque payment, DD etc.
You must consider the following before taking a credit card:
- Credit Card’s purpose
- Ratings and reviews of the particular credit card
- Number of credit cards you are currently using, there must not be more than 3
- Existing loan or EMIs to be paid
- Credit Card’s interest rate
- Customer support system and grievance solving