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Top 3 Citi Bank Credit Cards

Citibank offers credit card services to its customers for cashless and smooth transactions. Citibank credit cards offer a credit limit amount that their credit card users can spend throughout the month.

The credit limit depends on the financial profile of the user as well as the type of Citibank credit card issued to them. The customer has to repay the credit amount spent by them in a month.

Citibank credit card users avail exclusive benefits and perks like –

  • Redeemable reward points on every transaction that never expire.
  • Cashbacks on utility bill payments.
  • Membership Discounts.

 Eligibility Criteria for Citibank Credit Cards

  • A resident of India above 21 years of age
  • Salaried and self-employed applicants both should have a stable source of income.

 Documents Required to Apply for Indian Oil Citibank Credit Card

  • Passport size photographs
  • ID proof – PAN card, Aadhar card, Voter ID, etc
  • Address proof – the electricity bill, Aadhar card, etc
  • Income proof – For salaried applicants should submit two salary slips, and self-employed applicants will have to submit ITR

How to Apply for Citibank Credit Cards Online via the Finserv Markets App?

You can apply for the top 3 Citibank credit cards online via the Finserv MARKETS app by following these simple steps –

  • Download the Finserv MARKETS app from Google Play Store or Apple App Store for your device.
  • If you are a new user, create an account on the Finserv MARKETS app. Enter mobile number and birthdate.
  • The Finserv MARKETS app will send an OTP on the registered mobile number for verification. Enter the OTP to complete the process
  • Now, you will be directed to the homepage of the Finserv MARKETS app. Click on ‘Card’ at the top of the screen.
  • Scroll down to check out the list of partner banks with the Finserv MARKETS app. Select ‘Citibank’ to apply for a Citibank credit card.
  • The list of the top 3 Citibank credit cards will be displayed on the screen. You can choose a credit card according to your financial goals and needs. Click ‘apply’
  • The Finserv MARKETS app will ask for details for your Citibank credit card application like profession, Residence status, business type, turnover, etc.
  • Upload the required documents like ID proof, income proof, etc.
  • Submit your application. The Finserv MARKETS app will verify your Citibank credit card application and send your Citibank credit card to your registered email address.

The top 3 Citibank credit cards are designed to offer different perks and benefits to the customers.

 Indian Oil Citibank Credit Card

The Indian Oil Citi bank credit card is specially designed for customers who love to travel by road. The credit card helps you save on fuel refills on the authorized Indian Oil fuel stations. The Indian Oil Citibank Credit card also offers discounts when you pay your utility bills online as well as at retail stores.

Key Highlights of Indian Oil Credit Card

  • The Indian Oil credit card offers reward points on every transaction. These reward points do not come with an expiry date.
  • The Indian Oil credit card reward points can be redeemed instantly, even via an SMS from the registered mobile number.
  • The Indian Oil credit card user can be exempted from the annual fees of Rs 1000/- if they made transactions on or above Rs 30,000/- in a year.

Maintenance Fees for Indian Oil Citibank Credit Card

Annual Maintenance Fees Rs 1000/-
Cheque bounce penalty Rs 500/-
Reissue of credit card Rs 100/-
Over-limit penalty 2.5% of the exceeding amount
Penalty for late repayment There are different penalties –

Rs 0/- for amounts up to Rs 1000/-

Rs 450/- for an amount between Rs 1000/ – Rs 5000/-

Rs 700/- for an amount between Rs 5000/- Rs 10,000/-

Rs 950/- for amounts above Rs 10,000/-

Indian Oil Citibank Credit Card Reward Scheme

For Indian Oil Citibank credit cards, rewards are known as Turbo Points. You can earn turbo points and redeem them whenever according to your wish.

  • 1 turbo point = Rs 1/-
  • You can get 4 turbo points on every fuel refill worth Rs 150/- from Indian Oil fuel stations.
  • You can get 2 turbo points on every transaction worth Rs 150/- in supermarkets for groceries.
  • You can avail of instant 1% off on fuel refill at the Indian Oil fuel station.

Citibank Rewards Credit Card

If you want to indulge in the luxuries of life like shopping, traveling, and dining at lavish restaurants – the Citibank Rewards credit card is the best credit card option. This credit card offers attractive deals and offers on luxuries as well as on utility bill payments.

Key Highlights of Citibank Rewards Credit Card

  • Citibank Rewards credit card offers exclusive deals globally in 90 countries approximately.
  • Citi Rewards credit card will offer 1500 bonus points on the transaction made in the first month.
  • The bonus points in the Citibank Rewards credit card do not expire.
  • The user can redeem their Citibank Rewards credit card bonus points instantly by sending an SMS from their registered mobile number.

Maintenance Fees for Citibank Rewards Credit Card

Annual Maintenance Fees Rs 1000/-
Cheque bounce penalty Rs 500/-
Reissue of credit card Rs 100/-
Over-limit penalty 2.5% of the exceeding amount
Penalty for late repayment There are different penalties –

Rs 0/- for amounts up to Rs 1000/-

Rs 450/- for an amount between Rs 1000/ – Rs 5000/-

Rs 700/- for an amount between Rs 5000/- Rs 10,000/-

Rs 950/- for amounts above Rs 10,000/-

Citibank Rewards Credit Card Reward Scheme

The reward points for the Citibank Rewards credit card are known as the bonus points. These bonus points are earned by the customer on every transaction and can be redeemed at their convenience –

  • You can get initial 2500 bonus points for credit card activation.
  • You can get 1000 bonus points on the minimum spend of Rs 1000/- in the first two months.
  • You can earn 10 bonus points on shopping apparel worth Rs 125/-

 Citibank Premier Miles Credit Card

Citibank Premier Miles credit card is specially curated for people who love traveling via domestic and international flights. The credit card provides exclusive deals on flight tickets, hotel bookings, & cab services. The Citibank Premier Miles credit card users also enjoy airport lounge access in domestic and international airports.

Key Highlights of Citibank Premier Miles Credit Card

  • Citibank Premier Miles credit card offers 10,000 bonus miles as a welcome gift to its users.
  • On the renewal of the Premier Miles Citibank credit card, the customer is rewarded with 3,000 bonus miles.
  • The bonus miles never expire and can be redeemed instantly by sending an SMS from a registered mobile number.

Maintenance Fees for Citibank Premier Miles Credit Card

Annual Maintenance Fees Rs 3000/-
Cheque bounce penalty Rs 350/-
Reissue of credit card No charges
Over-limit penalty 2.5% on the exceeding amount
Penalty for late repayment There are different penalties –

Rs 0/- for amounts up to Rs 1000/-

Rs 100/- for an amount above Rs 1000/-

Citibank Premier Miles Credit Card Rewards Scheme

Citibank Premier Miles credit card offers rewards known as bonus miles to its users. These bonus miles are added to your reward account on every transaction made via Citibank Premier Miles Credit Card. The users can also enjoy complimentary air travel by redeeming their bonus miles.

  • You can earn 10 air miles on every transaction worth Rs 100/- via Citibank Premier Miles card.
  • You can enjoy complimentary air travel by redeeming bonus miles.

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