Best Citibank Credit Cards in India

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Citibank India is a subsidiary of Citigroup, headquartered in New York City, United States. It’s India office is headquartered in Mumbai, Maharashtra. Citibank started operations in 1902 in Kolkatta. Citigroup currently has the largest Foreign Direct Investment in India in the financial services sector.

It’s important to understand the privileges and costs involved before applying for any credit card. Citibank credit cards have featured in some or the other categories of best credit cards in India. We present here, the best four credit cards from Citibank.

Best Credit Card for Reward Points

When you use Citi Rewards Credit Card you get extra reward points without having to spend more. You can redeem these reward points instantly at select partners of Citi cards.

 

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Ā Here are the top reasons for applying for a Citi Rewards Credit Card:

  • You get 10 Reward Points for every Rs125 spent at select apparel and department stores.
  • You keep on earning 1 Reward Point for every Rs125 on all other purchases
  • You can redeem points instantly at select partners of Citi cards
  • On card activation, you get 2,500 points
  • Waiver of annual card fees for the year in which he/she spends Rs. 30,000 or more on his/her Card.

Charges & Fees

There is no joining fee. However, Rs. 1000 may be levied on the Card at the end of the year as an annual card fee.

Annual Fee Rs. 1000
Welcome gift Up to 2500 bonus points
Rewards Up to 10 reward points on various categories
Other benefits Discounts on dining
Default payment charges Up to 3.50% per month, i.e. (42.00% annually)
Late payment charges Rs.300 for current balance up to Rs.10000

Rs.600 for current balance from Rs. 10001 – 25000

Rs.950 for current balance above Rs.25000

Cash Advance fee 2.5% (minimum of Rs.500 and US $7.5 at International

ATMs)

Overseas transaction 3.50%

To know everything and anything about this card-Click Here

Best Credit Card for Cashback

Pay bills and get cash back on all your bill payments. Citi Cashback Credit Card is a lot different from other cashback credit cards in India. You get 5% cashback each on Movie tickets, Telephone Bills, and Utility Payments and 0.5% cashback on all other spends. You love Citi card, it loves you back šŸ™‚

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So now onwards, do everything that you’ve been doing, but do it for less with this Cash Back credit card. Keep enjoying savings, cash rebates, and other money-saving benefits all year long.

Here are the top reasons for applying for a Citi Cashback Credit Card:

  • It’s simple and easy now to pay. Just tap-and-pay at merchant terminals for purchases up to Rs.2000* without entering the PIN
  • 5% cash back on movie ticket purchases
  • 5% cash back on all your telephone bill payments
  • Pay through Citibank Online Bill Pay and get 5% cash back on Utility Bill Payments
  • 0.5% Cash Back on all other spends.

Charges & Fees

Annual fee Rs. 500
Cashback 5% cash back on movies, utility and telephone payments
Other benefits Discounts on dining

EMI Privileges

Default payment charges Up to 3.50% per month, i.e. (42.00% annually)
Late payment charges Rs.300 for current balance up to Rs.10000

Rs.600 for current balance from Rs. 10001 – 25000

Rs.950 for current balance above Rs.25000

Cash Advance fee 2.5% (minimum of Rs.500 and US $7.5 at International

ATMs)

Overseas transaction 3.50%

To know everything and anything about this card-Click Here

Best Credit Card for Fuel

Citi IndianOil Platinum Credit Card should be your first choice for fuel purchase if you get your bike or car refueled at IndianOil refilling stations.

 

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Here are the top reasons for applying for a Citi IndianOil Platinum Credit Card:

  • 4 Turbo Points on Rs.150 of fuel purchases at authorized IndianOil Retail Outlets across the country.
  • 2 Turbo Points on Rs.150 at grocery and supermarkets.
  • 1 Turbo Point on Rs.150 spent elsewhere like Shopping, Dining and more.
  • Redeem your Turbo Points for free fuel at over 1200+ authorized IndianOil Retail Outlets across the country. 1 Turbo Point gives you Rs.1 of free fuel.
  • Redeem instantly at select merchant outlets and online partners.
  • Redeem for gift vouchers across major brands.
  • Annual fee waived if you spend at least Rs.30,000 p.a. on your card else a fee of Rs.1,000 will be applicable at the end of the membership year.

Charges & Fees

Annual Fees/Renewal Fees Rs. 1000 every year

Waived off if you spend at least Rs. 30000 in a year

Rewards 4 Turbo Points for every Rs. 150 spent on fuel purchases

2 Turbo Points on Rs. 150 spent at supermarkets and groceries

1 Turbo Point for others

Interest Rate 3.25% per month (39.00% annualized)
Fuel benefits Fuel surcharge waiver at any Indian Oil petrol pump
Other benefits 15% discount on dining

Personal concierge services

Payment Default charges Up to 3.50% per month (42.00% annually)
Late Payment charges Upto 10000 : Rs. 300

10001- 25000: Rs. 600

Above 25000: 950

To know everything and anything about this card-Click Here

Best Credit Card for Travel

Citi PremierMiles scores well above the travel credit cards in India as of now. Because you have the freedom of converting air miles to any participating frequent flyer membership miles. Hence, you can earn and burn air miles on every airline (almost except Delta Airlines).

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The conversion is very simple, for every 2 miles on your card you will get 1 frequent flyer miles. But there are plenty of other ways to earn air miles, so you there’s nothing to worry! Moreover, you also get complimentary airport lounge access too.

Here are the top reasons for applying for a Citi PremierMiles Credit Card:

  • Earn 10 miles for every Rs.100 spent on airline transactions
  • Redeem miles across 100+ domestic and international airlines
  • Miles you earn, never expire
  • Six complimentary lounge visits per quarter on MasterCard and eight visits per quarter on Visa affiliated card
  • You can also redeem your miles instantly for any purchase at Goibibo, Yatra, and IndiGo (100 miles = Rs.45)
  • No Blackout dates

Charges & Fees

Annual Fee Rs. 3000
Welcome gift 10000 bonus points
Rewards/Miles 10 miles for every Rs. 100 spent on all airline transactions

10 miles for every Rs. 100 spent with partner merchants

4 miles for every Rs. 100 spent on all other transactions

Other benefits Airport lounge access

Air accident insuranceĀ 

Fuel surcharge waiver

Default payment charges Up to 3.50% per month, i.e. (42.00% annually)
Late payment charges Rs. 100 per month
Cash Advance fee 2.00% (minimum Rs. 300) and US $7.5 at international ATMs.

To know everything and anything about this card-Click Here

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