Citibank is a well-established bank in India with a large customer base. Many individuals have their savings accounts or investments with Citibank. However, when choosing the right Citibank Credit Card, people often face a dilemma. With multiple credit cards available for different purposes, it can be challenging to select the best one. We have identified India's top Citibank Credit Cards to simplify this process. You can make an informed decision by exploring the features and benefits of these cards. Let's look at the best credit cards Citibank offers in India.
1. Citibank Cashback Credit Card
Citibank Cashback Credit Card is a credit card that provides a unique approach to earning rewards. Unlike traditional reward points, this card offers assured cashback on expenses like movie tickets, telephone bills, and utility payments.
Features & Benefits:
- Get a fantastic 20% instant savings, up to ₹1000, when you spend a minimum of ₹4000 on dining out through the EazyDiner Mobile App and Website.
- Earn 5% cashback on movie ticket purchases.
- Receive 5% cashback on telephone bill payments.
- Get 5% cashback on utility bill payments.
- Gain 0.5% cashback on all other expenses.
- Earn 5% cashback on a monthly spend of ₹4000, capped at ₹100 per month per category.
- Obtain 0.5% cashback on a monthly spend of ₹2000.
- Unlock discounts and offers with partnered retailers across fashion, lifestyle, health, and more categories.
- Convert significant purchases into affordable EMI installments.
- Enjoy this option for up to 10 eligible transactions.
- Benefit from flexible tenure options.
- Enjoy zero liability for fraudulent transactions if you report the loss or theft of your credit card within the prescribed period.
- Access instant loans above your credit limit with flexible repayment tenures.
2. Citibank Rewards Credit Card
The Citibank Rewards Credit Card is designed to cater to customers seeking a personalized and enhanced experience. This card offers exclusive benefits, including access to airport lounges, discounts on dining, shopping, and hotels, and comprehensive travel insurance coverage. It also protects against fraud, unauthorized purchases, and round-the-clock customer service support. Whether traveling for business or leisure, this card is an ideal companion for the discerning modern traveler.
Features & Benefits:
- Earn an additional 1,000 bonus Reward Points on a transaction of Rs. 1,000 within 60 days of card issuance.
- Earn 300 bonus Reward Points with a minimum monthly spend of Rs. 30,000 on your Citi Rewards Credit Card.
- The annual fee of Rs. 1,000 can be waived by spending Rs. 30,000 or more with the card.
- Enjoy a 1% waiver on fuel surcharge at all authorized Indian Oil outlets on transactions above Rs. 10.
- Earn 1 Reward Point for every Rs. 125 spent.
- Earn 10 Reward Points per Rs. 125 spent on apparel and departmental stores.
- The additional 9x Reward Points earned on departmental and apparel stores are capped at 504 Reward Points per statement cycle, with a minimum spending of Rs. 7,000.
- No Reward Points are earned on specific categories such as fuel, educational institutions, government institutions, insurance, toll payments, and utility purchases.
- Redeem earned Reward Points anytime, as they do not expire.
- 1 RP = Re. 0.25, minimum 250 points required for redemption.
- In-store shopping at partner brands/online shopping:
- 1 RP = Re. 0.30, minimum 250 points required for redemption.
- Online travel site: 1 RP = Re. 0.25, minimum 250 points required for redemption.
- Cashback: 1 RP = Re. 0.35, a minimum of 10,000 points is required for redemption.
- AirMile/InterMile: 0.75 InterMile, minimum 100 points required for redemption.
3. Citibank PremierMiles Credit Card
The Citibank PremierMiles Credit Card is highly regarded in the Indian credit card market, specifically in the travel category. It operates on a reward points system, where Miles are earned and can be utilized for various purposes, including shopping. However, the greatest value is obtained when redeeming Miles for flight and hotel bookings through partner airlines, hotel chains, or Citibank's PremierMiles portal. Furthermore, the flexibility of transferring these Miles to other airline and hotel loyalty programs adds to the card's appeal.
Features & Benefits:
- Get 10,000 Miles with Citi PremierMiles Card.
- Earn 3,000 Miles every year upon card membership renewal.
- Enjoy 8 complimentary domestic lounge access per quarter (Visa Signature variant) or 6 domestic lounge access per quarter (Mastercard variant).
- Redeem Miles for flight bookings on official airline websites or at airline counters.
- Transfer Miles to partner airlines and hotel loyalty programs.
- Earn PremierMiles on top of regular AirMiles as a member of an airline's frequent flyer program.
- Avail up to 20% discount on dining bills at select partner restaurants.
- Personal accident insurance worth Rs. 1 crore with The New India Assurance Co. Ltd. and lost card liability cover worth Rs. 10 lakhs.
- Accidental insurance is applicable for loss of life due to an air accident, covering the primary cardholder only.
- 1% fuel surcharge at fuel stations in India (excluding authorized Indian Oil fuel stations).
- Earn 10 Miles for every Rs. 100 spent on airline transactions at http://www.premiermiles.co.in, and earn 4 Miles for every Rs. 100 spent elsewhere.
- No Miles earned on utilities, insurance, educational institutions, government institutions, transportation, and tolls.
- Miles have lifelong validity and can be redeemed without blackout dates.
- Redemption categories with corresponding values:
- Fuel at Indian Oil outlets: Re. 0.30
- Travel-related categories: Re. 0.45
- Utility, Retail, Dining: Re. 0.30
- Other categories: Re. 0.20
- AirMile/InterMile/Taj InnerCircle (TIC): 0.5 partner air-mile/TIC Point
4. IndianOil Citi Bank Credit Card
IndianOil Citi Bank Credit Card is a versatile financial solution that offers a range of benefits and rewards to cardholders. The card provides access to exciting offers, rewards on purchases, and exclusive privileges. Individuals can experience the convenience and value offered by this card, tailored to suit their lifestyle and financial needs.
- Earn 250 Turbo Points with your first transaction within 30 days.
- Enjoy up to 20% off at participating restaurants with your IndianOil Citi Credit Card.
- Save on flights through MakeMyTrip, EaseMyTrip, and Vista Rooms, and get cashback at duty-free stores.
- Spend Rs. 30,000 or more in the previous year to waive the Rs. 1,000 annual fees.
- Get a 1% waiver on fuel surcharge at authorized IndianOil outlets.
- Earn Turbo Points on your card:
- 1 Turbo Point per Rs. 150 spent.
- 2 Turbo Points per Rs. 150 spent on supermarkets & groceries, plus an additional Turbo Point for spends above Rs. 5,000, capped at 34 Turbo Points per transaction.
- 4 Turbo Points per Rs. 150 spent on fuel at authorized IndianOil outlets, capped at 267 Turbo Points per transaction.
- Redeem Turbo Points for various rewards, such as online shopping, fuel, in-store shopping at partner brands, cashback, AirMiles/InterMiles, etc. Rates apply:
- Fuel at Indian Oil outlets: Re. 1
- Online travel site shopping: Re. 0.25
- Other online shopping: Re. 0.30
- In-store shopping at partner brands: Re. 0.30
- AirMile/InterMile: 0.75 InterMile
- Cashback: Re. 0.35
When evaluating Citibank Credit Cards in India, it's important to consider that each card possesses unique features that differentiate it from others. Individuals can apply for a credit card based on their specific needs. For those seeking to earn cashback and reward points, the Citi Cashback and Citi Rewards Credit Cards offer attractive cashback and rewards on transactions. Conversely, the Citi Indian Oil Credit Card provides advantages for reducing fuel expenses. Ultimately, individuals must make their decision based on personal preferences and requirements. Choosing wisely and enjoying the benefits associated with the selected Citibank Credit Card is recommended.