Citibank India offers a wide range of consumer, retail and corporate banking products and services. Products cover every segment of the society, right from salaried class, emerging affluent, the affluent and all the High-Net-Worth individuals.
Apart from the general accounts like Savings Accounts, Current Accounts, Salary Accounts, etc., the bank has been a major player in the Credit Card segment with about 2.3 million credit cards in force.
Further, the bank offers several types of loans like home loans, personal loans, car loans and so on also.
Listed below are seven credit cards offered by Standard Chartered Bank along with some key features and benefits.
| Name of the card | Joining Fee (In Rs) | Annual Fee (In Rs) |
|---|---|---|
| Citi Prestige Credit Card | 20,000 | 20,000 |
| Citi PremierMiles Credit Card | 3,000 | 3,000 |
| IndianOil Citi Platinum Card | 1,000 | 1,000 (Annual fee will be waived on spending in a membership year |
| IndianOil Citi Titanium Card | 1,000 | 1,000 (Annual fee will be waived on spending in a membership year |
| Citi Rewards Card | 1,000 | 1,000 (Annual fee will be waived on spending in a membership year |
| Citibank Rewards Domestic Card | 1,000 | 1,000 (Annual fee will be waived on spending in a membership year |
| Citi Cashback Card | 500 | 500 |
| First Citizen Citi Credit Card | 500 | 500 (Annual fee will be waived on spending in a membership year |
Why Choose Citibank Credit Cards:
Citibank Credit Cards come with countless benefits like attractive reward schemes, international recognition and wide acceptance. There is one credit card to meet every lifestyle need of the customer, be it travel or shopping.
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- Insurance Benefits with Credit Cards
Many Citibank credit cards come with insurance benefits including travel accident coverage, lost luggage insurance and health insurance.
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- Exclusive Reward Points Scheme
With Citibank Rewards, you will be able to earn reward points at an accelerated rate and redeem it against exclusive vouchers, special deals and merchandise.
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- Variety of Credit Cards
There’s one Citibank card for everyone – with a wide range of specially crafted cards, you will be able to easily find the card which is best suited for your lifestyle needs.
Apply for Citibank Credit Card
It would not be an overstatement to say that credit cards have revolutionised the financial world today. These small plastic cards have had and continue to have a significant impact on the economy today. Apart from being vital tools of spending, credit cards are also used to determine an individual’s creditworthiness and financial behaviour as well. A huge number of individuals worldwide use credit cards today due to the convenience offered. This financial tool was first introduced in the 1950s and is highly popular today. This is due to the number of benefits provided by credit cards. Apart from using it to purchase goods and services, using credit cards can also result in the individual availing certain rewards such as AirMiles, reward points and discounts on shopping and dining at partner merchants.
Benefits and Features of a Citibank Credit Card
Credit card reward points can be redeemed for certain other gifts from the company’s catalogue. AirMiles and entry to various airport lounges can also be availed by individuals. Cardholders can also use their credit card to pay utility bills as well as withdraw money, which is however not advisable. Unlike debit cards, when customers use credit cards, funds are not withdrawn from their own account but are provided on a credit. Essentially, credit cards are similar to small loans that can be procured every time they swipe their card. Therefore, cardholders will have to repay the same in the form of monthly bills.
Customers have the option to pay the entire bill in full which is recommended or pay as much as they can. Additionally, customers can also just pay the minimum amount due and pay the rest at a later date. However, in case cardholders do not pay their bill amount in full, interest will be applicable on the remaining amount. Therefore, with each subsequent payment customers will end up paying more due to interest. If payment is still not made on time, they will end up having to pay a huge bill which will create a dent in their finances. Therefore customers need to ensure that they use their credit cards judiciously.
For the above reason, credit cards are not provided to all but only those who meet a certain eligibility criteria. This is usually dependent on the individual’s income, age, location and credit score among others. A number of banks and institutions today provide credit cards to customers.
Apply for Citibank Credit Card Online
Founded in 1812 in New York, Citibank has since gone on to become one of the top banks in the world. This bank is the consumer division of Citigroup, a financial services multinational company. As part of its banking portfolio, Citibank provides customers with a plethora of products and services, tailored to cater to every customer’s individual need and requirement.
Some of the products and services offered include debit cards, loans and credit cards. A number of credit cards are provided by Citibank and can be chosen by the applicant based on his/her needs and requirements.
Customers can apply for Citibank credit cards either online or offline.
Citibank Website
In order to apply online, customers will have to visit the official website of Citibank and choose the option ‘Credit Card’ from the menu on top of the homepage. Once this option is selected, a drop-down menu will appear wherein customers can either view all the credit cards available, or apply for one by selecting the ‘Apply for a Credit Card’ option. This option can be selected once individuals know which card they wish to procure. Applicants will then be redirected to another page wherein they will have to fill in the application form with the required details such as their professional details, personal details and so on. A representative from Citibank will get back to the customer once the application has been sent.