Citibank issued its first credit card in the year 1990 in India. It was the first bank to launch Credit Card in India. Since then it has been issuing Credit Cards to suit the individual's needs. It designs the credit cards to meet the niche customers requirements.?In 2003, Citibank had a market share of 35 percent in terms of allocating.?During 2014, it announced its plans to increase the credit card portfolio with the launch of two lifestyle products namely – Citi Prestige and Citi Ultima Infinite. These cards were designed to cater to the discerning needs of the global Indian.
In 2015, Citibank and MasterCard together launched Citi MasterPass, a global digital wallet in India, designed to cater to the debit and credit card users to accommodate to shop at more than 2,50,000 e-commerce merchants located in India as well as abroad with safe, simple and quick online payment experience.?In the same year of 2015, the number of credit card users of Citibank grew and accounted for around 2.41 million.
It stood at the fourth position for the largest number of credit cards in India.
Citibank India is an Indian private sector bank. It is headquartered in Mumbai, Maharashtra. It is a subsidiary of Citigroup, a multinational financial service provider, which is headquartered in New York, United States of America.
The Citibank was established in 1902 in Calcutta, West Bengal. The bank has a long history in India. Presently, Citigroup is the owner of Citibank India. It has its presence in 19 cities with 35 full-service bank branches and more than 500 ATMs across the country.
The global corporate and investment banking firm provides a range of financial services which includes cash management and trade services, securities custodianship, foreign exchange, fixed income, equities sales, trading and corporate finance to corporate clients, governments and financial institutions.
In retail banking, it offers credit cards, auto loan facilities, mortgages, personal loans, investment services for the customers.
It currently has 12,500 employees in India.
The following are the features of the Citibank Credit Card:
No Annual Fee – Citibank offers a wide range of credit cards to its valued customers who need not have to pay any kind of annual fee on a yearly basis. This facility is spread across a range of cards that the bank offers to its customers.
Go Cashless – With the introduction of a credit card, the need to carry physical cash has diminished. The credit card has reduced the hassles of carrying cash everywhere. A smart digitized credit card is enough to pay all the bills ranging from shopping, groceries, fuel, travel, movies and the list goes on.
Internet Banking – Citibank’s Credit Card information pertaining to accounts of both the current and previous months can be viewed and obtained from the internet banking system. One can also check the payment status, monthly statement and it also helps the user to pay the dues on bills using an online payment gateway. The user can also request for the duplicate PIN, change the address of communication, can also order for the draft facility, and so on.
Rewards – The credit card offered by the Citibank comes with a range of offers for the benefits of customers. One such offer rewards, with Citibank’s credit card, the customer can accumulate reward points and the same can be redeemed against a host of options. The cardholder can visit the rewards category of the bank in the respective web portal and can choose from the diverse reward redemption options like books, apparel, accessories, travel, hotels, apparel, entertainment and so on.
Reward points earned from some of the Citibank’s credit card will never expire, so one can make use of them judiciously.
The following are the benefits of using Citibank Credit Card
1. Save on Fuel Bills – An individual who uses Citibank’s credit card can earn Turbo Points during every purchase of fuel. When the card is used in any of the Indian Oil outlets across the country for the purchase of fuel then it will fetch more points.
2. Waiver of Annual Fee – Any customer who uses Citibank’s credit card has an opportunity wherein his/her annual fee on the credit card will be waived off if at least Rs 30,000 is spent on an annual basis.
3. Insurance – Some of the bank’s credit card provides insurance coverage to frequent fliers apart from a cover on the lost card’s liability. The bank also provides Air Accident Insurance apart from Overseas medical insurance to its customer base.
4.Universal Recognition – Citibank is a multinational bank that has its presence in many countries across the globe. Credit Cards issued by Citibank are universally accepted and it aids for cashless buying across millions of merchant locations present the world.
A customer can apply for Citibank’s credit card either through offline or online mode. By submitting the required documents along with the filled in application form, an individual can get access to the bank’s credit card after final securing approval from bank authorities.
A prospective customer can apply for a Citibank’s Credit Card via offline by visiting the nearest branch of the Citibank and expressing the interest to secure a Credit Card of his/her choice as per the requirements. The prospective customer has to fill up the required application form with all the necessary details including name, date of birth, income, personal information and so on. If they meet the eligibility criteria as pre-decided by the bank, their application will be taken forward.
An applicant can visit the official web portal of Citibank and click on the Credit Cards which appears on the left-hand side of the page.
Go through all the Credit Cards which the bank offers to its valued customers, zero in on one of the credit cards, which suits your needs and requirements. Once the card is selected now proceed to fill in the application form.
Enter all the details as required on the application form
? Email ID:
? Mobile Number
? Do you have a Citibank Savings Account
? Personal Data
* Date of Birth
? Professional Details
* Company Name
? Address for Communication
? Preferred mailing address: Office or Residence
After filling up all the required fields submit the application online and on receipt of your application, the bank will examine the credibility of the information provided in the application form. Based on the eligibility criteria of the applicant, the bank will decide whether the applicant has to receive a credit card or not.
? Prospective Applicant should be in the age group of 18 to 70 years.
? Applicant should have a permanent monthly income.
? Should have a good CIBIL score.
? Applicant should be a resident of India or a Non-Resident Indian.
? One Passport Size Photograph
? PAN Card
? Income Proof – Pay Slip for the last three months or latest 1 or 2 months salary slips or Income Tax Return or Latest Bank Statement for 3 months or Form 16
? Identity Proof – Bank Statement or Aadhaar Card or Election Voter ID or Driving License
? Address Proof – Passport or Driving License or Election Voter ID or Ration Card or Rental Agreement or Bank account statement?
Citibank’s credit cards offer the best reward schemes to its valuable customers. It has a unique feature of having an international presence and recognition. The cards are designed to meet varied day to day needs of the customers.
? Best Reward Points
Citibank’s credit cards provide reward points during every purchase and the same can be redeemed for securing vouchers, special deals and at some of the merchandise.
? Insurance Benefits
Most of the Citibank’s credit cards comes with insurance coverage in case of any unforeseen events. It includes travel accident coverage, health insurance, and lost luggage insurance.
? An assortment of Credit Cards
Citibank has designed a Credit Card by keeping in mind different types of customers and their personal requisites. There is a card for each and every segment of niche customers. One can choose from the available options which best suit their needs.
A portion of the credit limit assigned to your credit card account can be used for withdrawing cash. This is called as “Cash Limit” the assigned Credit limit is inclusive of the cash limit.
Cash withdrawal from the credit card is subject to the applicability of interest charges and cash withdrawal fee.
You have to trigger the card after you collect your Citibank Credit Card by obtaining the PIN. Your card shall be unlocked and ready to use once the PIN has been configured successfully. Below given are the different process to generate Citibank Credit Card PIN. Scroll down and get to know about all the process and steps.
The users of Citi Credit Card can choose from an array of options to pay the credit card bills. They are?
Citibank Online – Standing Instruction: The Citibank online credit card payment option helps the users to set up a standing instruction to pay either minimum amount due or total amount due.?
Citi Mobile: The Citi Mobile is also one of the most convenient payment options to make a payment towards the Citibank credit card. It is one of the simple methods used to pay credit card bills and is done using the mobile phone. Visit the m.citibank.co.in to pay the credit card bills using your mobile phone.?
Individuals who opt to pay Citi Credit Card Bill can do so using other bank accounts through any one of the below – mentioned methods:
RTGS: Under this system, payments initiated by customers before cut – off will be credited to the card account before the end of the same business day. Funds request transfer before 4:30 pm on weekdays and on working Saturdays will be credited on the same day. Funds request transfer which is raised post 4:30 pm on non-working days will be credited on the following working day.?
Citi Samsung Pay
Citi credit card has collaborated with Samsung Pay Feature, the world's smart and fastest way of payment. Samsung Pay is a convenient and easier to use mobile payment platform that can be used to make purchases almost everywhere. By utilizing new technologies like Magnetic Secure Transmission (MST) and Near Field Communication (NFC), Samsung Pay allows users to pay with Citi Credit Cards using your Samsung Smartphone. Presently Samsung Pay only supports in-store payments and can not be used in online transactions. Users nothing to do more just update your Samsung Smartphone to the latest android version and get automatically Samsung Pay feature in your mobile. Samsung Pay provides an easy, safe and convenient payment service that does not allow your wallet to be checked. Samsung Pay allows checkout quick and easy by using your qualifying device to make secure one-touch transactions.
Which Citi Cards are eligible for Samsung Pay?
Features of Citi Samsung Pay
What is a Device Card number?
Your actual credit card number will never be saved on the device or revealed to the seller for heightened security. Alternatively, the credit card number will be substituted by a different virtual number (I.e Device Card number, accessible on the left part of the card in Samsung Pay screen and in the main app when displaying your approved Citi Cards) any time you add a new card to your mobile. The device card number will then be forwarded to the retailers instead of the actual purchase card number.
If the transaction is was made using Samsung Pay, your transaction history on your monthly statement or CitiBank Account will display the last 4 digits of the consequent device card number instead of your physical card number.
How to start Samsung Pay?
How to Add Citi Credit Card on Samsung Pay?
How to use Samsung Pay in-store purchases?
Since you know that Citibank offers various methods of payment via credit card, you can also pay your credit card charges through NEFT (National Electronic Fund Transfer). NEFT helps you to pay through your bank account details. The payment is done instantly with some appliable charges. The procedure for making Citibank credit card payments through NEFT is provided below.
Add your Citibank credit card as an NEFT payee to your non-Citibank account and trigger payment
While adding a payee please look through the following details
Citibank Credit Card Bill Desk is an online bill paying platform to address the problem of most of us when it comes to paying bills. It also helps through the online medium potential for better arranging and handling our bills while minimizing the shortcomings in conventional bill payment systems.
Features of Citibank Credit Card Bill Desk
Who can pay by Bill Desk
Citibank IN is a mobile app provided by Citibank for all the Indians which allows you to take complete access to all your credit card. The app can be downloaded by both Android and Apple users as it is available on Google lay Store as well as the App Store. Log in with your Net Banking Id, Password and manage your credit card, no matter where you are. Scroll down and get to know the features and benefits of Citibank IN and how to use it.
Benefits of Citibank IN
Register and Download Citibank IN
Through CitiBank Net Banking services, login with your Net Banking Id, Password and explore a world of convenience just with a few taps. Applicants can use unique benefits like high security for safe online banking, view the details for all your accounts, online password regeneration & unlock user-id instantly. Get all updates and offers on your credit card which is specially designed for you. Access all the features and get minimum interest rates on your credit card with a flexible repayment option. No matter where you are just with your CitiBank NetBanking Id and Password you can explore the world of benefits and offers anytime anywhere. Scroll down and get to know the features and benefits of Citibank Netbanking and how to use it.
Achieve your everyday banking needs with the award-winning No.1 online banking service. Scroll down and know what makes the Citibank Net banking services holding No.1 position.
Monitor Your Account
Manage your account
Operate your account
How to Login
For existing User
For New User
To know the status of your applied Citibank Credit Card you can track it online or offline by using your Application Reference Number.
Below given are step by step tutorial for online method.
An applicant can also track the status of the credit card through offline mode.
Citibank Credit Cardholders who have lost their card can easily raise complaints to the customer support team. Customers can reach to the customer support executive through tollfree numbers, email, SMS and by writing to the grievance officer. Apart from this, the bank offers many ways to block the cards like Netbanking, Phonebanking or by visiting the nearest branch. Scroll down and know the step by step guide to block your Citibank Lost Credit Card.
Reasons to block Citibank Credit Card
Steps to take for Citibank Credit Card Lost
Go for below-given steps to reduce damage to your credit card caused by a potential misconception
Applicants who lost their credit card can also go through offline process by calling the customer support or by visiting the nearest branch
Call on the number- 1800 267 2425 to block your lost card
Or visit the nearest branch with your lost credit card details to block the card. The bank executive will ask for identity proof for the verification process.
Citibank Credit Card IFSC Code is an alphanumeric 11-digit key used by NEFT to pay the pending credit card bills via online banking. Applicant can do this by adding the credit card as a beneficiary.
How to know the Citibank Credit Card IFSC Code?
Process to pay credit card bill using IFSC Code
Credit cardholders who do not have Citibank Bank saving account can pay their credit card bills through NEFT using IFSC Code. Go through the below process to make the payment complete
When you are approved for a card, you'll get a PIN code for your Citi credit card. After you obtain and unlock your new Citi card, from 5 and 10 business days later you will receive a PIN number via mail. The mail will contain your PIN or Personal Identification Number of four digits. Through a PIN, you can use your Citi credit card to cash out 24 hours a day from every ATM. You'll have the option with your mailing to change your PIN that might be simpler for you to recall. To do so, please call the number provided with your mailing, and make sure your new PIN is handy. Just follow the voice instructions and create a new 4-digit PIN to confirm. Or else you can also change the PIN online. Scroll down and follow the entire process.
The credit card statement from Citibank is a key financial document that provides insight into the overall purchases made with the card during the last billing cycle. Citibank Credit Card Statement contains the following details:
The account overview further shows the details of the previous month's balance, payments, purchases, balance transfers, cash advances, fees, interest rate charged in that month, current balance, available credit, closing date of the statement and the billing cycle days.
Benefits of Citibank Credit Card Statement
How to Register to get e-Statement
New user can go through below given process for registration
How to download e-Statement
Citibank is offering one of the top platform for all your payment as it has more than 200 billers to choose from and pay. No matter where you are just with your CitiBank NetBanking Id and Password you can pay your all utility bills anytime anywhere. Scroll down and get to know the features and benefits of Citibank Credit Card Bill Pay.
Benefits of Citibank Credit Card Bill Pay
Citibank Offers to methods for Credit Card Bill Pay
Citibank Easy Bill Pay
By signing on Citibank Credit Card Online, make your payments to over 50 billers. To create one time payments to billers, easily authenticate the request with your User Id and Password.
Citibank Online Bill Pay
With Citibank Online Bill Pay make your payments to more than 200 billers. Register yourself to get the bill details for future payments for the same biller
Shop more and Earn more, with Citibank Rewards Programme get more out of your money every time you shop. Citibank Reward Programme gives you a wide range of redemption options including jewellery, fashion accessories, garments, home appliances, electronic equipment, cosmetics and much more. Redeem the reward points for an exciting range of redemption options including garments, home appliances, cosmetics, gift vouchers, airline miles and donation to charities. Scroll down and get to know about Citibank Rewards Programme.
Rewards catalog with Citibank Credit Cards
Rewards catalog as per the categories
How to earn Citibank Reward Points
Redemption of Reward Points towards Air Miles Transfer
For a prospective customer who does not yet have a credit card, it is an ONLINE credit card referral program.Through this program, individuals can refer their friends and family to apply for a new Citibank credit card. The referrer will get Rs. 250 worth Flipkart as the referral reward for every valid application received. Sellers listed on flipkart.com can use e-gift coupons for purchases. A legitimate application says the individual being referred has submitted according to the campaign terms. The referral program is solely for issuing new credit cards and not for add-on cards.
The referral reward is sent directly to the email ID specified on the referral form. There is a cap of Rs. 5,000 cumulative vouchers which can be processed to a single referrer. It covers all the rewards the referrer has received in a financial year for all the credit card referral campaigns operated in a fiscal year. Therefore, if more individuals have been referred by a referrer and are eligible for more than Rs. 5,000 referral reward, the cashback would still be limited to Rs. 5,000.
Citibank credit card loan is a customized funding program operated by Citibank that requires the unpaid credit balance on the credit card as a loan to raise funds. It is a pre-approved loan and you only have to apply for the loan against your credit card. Citibank Credit Card Loan is very flexible in terms of its usefulness. The bank would not impose a variety of conditions on the loan. All individuals who hold credit cards issued by Citibank and have a large remaining portion of their credit limit can enable the use of the loan which is offered directly by the bank.
For this kind of loan, the terms and conditions, as well as age restrictions and income requirements as specified for credit cards, may apply. The amount of the loan against Citibank Credit Card is based on the individual's outstanding credit cap. The loan is triggered by the bank according to the available credit limit value. Citibank can even in certain situations approve a loan that crosses the credit cap. You can avail of a minimum amount of loan via the same facility but the facility is based on Citibank's discretion and also your financial stability.
Citibank offering exclusive and unique offers to its customers. Applicants can get offers and discounts on dining, travel and movies which are specially designed for them. Scroll down and get in touch with the current offers offered by the bank.
MakeMyTrip Domestic Offer
MakeMyTrip International Offers
VISA Credit Card Offer
Call on the below-given toll-free number to solve your any credit card related query.
1860 210 2484
For customers calling from outside India, can give a call to?+91 22 4955 2484.
To block your credit card give a call to 1800 267 2425
Apart from this, you can send an email to solve your credit card related query. Kindly send a mail to the below-given mail address:
Q: What are the different categories of credit cards Citibank India offers?
A: Citibank India offers credit cards in different categories such as follows:-
Travel Credit Card: Citibank Premier Miles Credit Card
Shopping Credit Cards: Citibank Rewards Card, Citibank Rewards, Domestic Credit Card, Citibank Cashback Credit Card, First Citizen, Citibank Titanium Credit Card, and Citibank Platinum Credit Card
Fuel Credit Cards: Indian Oil Citibank Platinum Credit Card and Indian Oil Citibank Titanium Credit Card.
Lifestyle Credit Card: Citi Prestige Credit Card.
Cash Back Credit Card: Citi cashback credit card
Q: How are Citibank credit cards useful for international transaction purpose?
A: Citibank India offers credit cards which can be used internationally, which means that is it can be used in India and abroad as well. Credit Cards, however, cannot be used to make foreign currency transactions in Nepal and Bhutan. Customers can also get domestic-only cards available with Citibank like the ‘Citibank Rewards Domestic Card’ which can only be used in India and at Indian web portals.
Q: How can I redeem my credit card reward points?
A: Rewards points accumulated on any Credit card offered by Citibank are redeemable at partner outlets against fuel, gift vouchers, air miles, cashback or at online shopping outlets. To know about the eligibility criteria for your credit card contact Citibank credit card customer support.
Q: What are the features & benefits of Citibank Corporate Card?
A: The following are the features and benefits of Citibank Corporate Card
· Citibank Corporate Card is a tailor-made card which aims to meet the credit needs of corporate employees.
· All the cards issued under this scheme can be centrally monitored with single window access which makes it easy for the accounts department to manage expenses.
· For the employees, travel hassle-free and earn exciting rewards.
· As a Citibank corporate credit cardholder, you not only get to use this card for work-related expenses but also become eligible for special deals on shopping, travel, entertainment, spas, golf, hotel stays around the world.
Q: What does travel insurance cover? Do I need it?
A: Your Travel Insurance policy covers:
· Cashless treatment in case of medical emergencies for up to $1, 50,000, during your stay abroad.
· Expenses incurred due to loss/delay of checked in baggage.
· Delayed/cancelled trip expenses.
· Loss of Passport / Visa or other travel documents.
· Legal third party liability of up to $1, 00,000.
· Your home contents in India against fire & allied perils, up to Rs.1, 00,000.
· Travel shield Single Trip Insurance is your best travel companion on whom you can count on.
Q: What are the features of the Citibank PremierMiles Credit Card?
A: PremierMiles Credit Card is specially crafted to suit the travel needs of a person who is a frequent air traveller by offering Air Miles and travel insurance cover.
Features & Benefits of Citibank PremierMiles Credit Card:-
· Specially designed for the frequent flyers, PremierMiles card comes with Air Mile points for every travel booked using the card.
· Air Miles can be redeemed across 100 domestic and international airlines.
· Cardholders stand to get 10 Miles for every Rs.100 spent on airline transactions. 3000 Miles are awarded upon card renewal.
· PremierMiles card offers complimentary access to premium airport lounges located across India.
· Other features which are inclusive in the card include travel insurance coverage, loan on credit card and exclusive travel & dining offers.
Q: What are the features of Citibank Cashback Credit Card?
A: Make your everyday purchases naturally rewarding with this card that offers you cashback on essential spends and discounts across restaurants.
Features & Benefits of Citibank Cashback Credit Card:-
· With Citibank Cashback card, customers can get cashback offers and other exclusive rewards on their everyday spends on essential and non-essential items.
· Cardholders stand to get 5% cashback on movie ticket purchases, telephone bill payments and utility bill payments.
· All the cashback is automatically credited and redeemed in multiples of Rs.500.
· One can get up to 20% savings across 2000 restaurants present in India like Pizza Hut and Costa Coffee with Citibank credit cards.
· Other value-added services on the card are instant loans, EMI option on spends above Rs.2500 and attractive balance transfer options.
Q: How fast will the funds reflect in my Credit Card Account while doing the online payment?
A: Once the transaction has been successfully completed, your Bank will debit the funds from your Bank account and transfer the same to Citibank. On receipt of the funds, the same will be credited to your Credit Card by end of the day, else the next working day. Make sure the payment should be made before 5 p.m. Funds transfer request made on non-working days will get executed on the following working day. The actual time usually taken to credit the account depends on the time taken by your bank to process the payment.
Q: What happens to the funds if the Credit Card Number specified is invalid?
A: In the event of an invalid Card number being submitted by the customer, the funds will be returned back to the originating bank within one working day. To check the status of the credit into your account, please get in touch with your Bank.
Q: What is the revolving credit facility?
A: Once you receive your credit bill, you have the flexibility of selecting any of the following payment options:
1. Pay the total amount due.
2. Pay only the minimum amount due.
3. Pay any amount between the minimum amount due to the total amount due.
4. Should you opt for either of the last two options, then the unpaid amount due is carried forward to the next billing period.
5. This is referred to as the revolving credit facility
Q: What is E-Pay and how does it helps the users?
A: E-Pay helps the credit cardholders of Citibank to pay their bills online from any of their Non – Citibank accounts. The users of Citibank’s credit card can pay from over 36 major banks and it includes HDFC, ICICI, SBI and so on. With E-Pay, the customers need not have to visit the bank branches to make payments for credit card bills by waiting in long queues or by dropping cheques in drop boxes.
Q: Which banks in India support E-Pay?
A: The following are the list of banks which supports E-Pay for Citibank and they are
|Allahabad Bank||Andhra Bank||Axis Bank||Bank of Baroda (Retail & Corporate)|
|Bank of Bahrain and Kuwait||Bank of India||Bank of Maharashtra||Canara Bank|
|Central Bank of India||Citibank||Corporation Bank||City Union Bank|
|Deutsche Bank||DCB Bank||Dhanlaxmi Bank||Federal Bank|
|HDFC Bank||ICICI Bank||IDBI Bank||Indian Bank|
|Indian Overseas Bank||IndusInd Bank||ING Vysya Bank||Jammu & Kashmir Bank|
|Karnataka Bank||Karur Vysya Bank||Kotak Mahindra Bank||Lakshmi Vilas Bank (Retail & Corporate)|
|Oriental Bank of Commerce||Punjab and Sind Bank||Punjab National Bank (Retail & Corporate)||State Bank of India|
|South Indian Bank||Shamrao Vithal Co-operative Bank||Tamilnad Merchantile Bank||UCO Bank|