Best Citi Bank Credit Cards in India

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 20% instant savings, up to ₹1,000, when you spend a minimum of ₹4,000 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.
• 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 offers exclusive benefits, including access to airport lounges, discounts on dining, shopping, and hotels, and comprehensive travel insurance coverage. It also protects against fraud, unauthorised purchases, and round-the-clock customer service support. Whether travelling for business or leisure, this card is an ideal companion for the modern traveller.

Features & Benefits:

• Earn an additional 1,000 bonus Reward Points on a transaction of ₹1,000 within 60 days of card issuance.
• Earn 300 bonus Reward Points with a minimum monthly spend of ₹30,000 on your Citi Rewards Credit Card.
• The annual fee of ₹1,000 can be waived by spending ₹30,000 or more with the card.
• Earn 1 Reward Point for every ₹125 spent.
• Earn 10 Reward Points per ₹125 spent on apparel and departmental stores.
• Redeem earned Reward Points anytime, as they do not expire.
• 1 RP = ₹0.25; a minimum of 250 points is required for redemption.
• In-store shopping at partner brands/online shopping: 
• 1 RP = ₹0.30, minimum 250 points required for redemption.
• Online travel site: 1 RP = ₹0.25, minimum 250 points required for redemption.
• Cashback: 1 RP = ₹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 a 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 ₹1 crore with The New India Assurance Co. Ltd. and lost card liability cover worth ₹10 lakh.
• 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).
• 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: ₹0.30
  • Travel-related categories: ₹0.45
  • Utility, Retail, Dining: ₹0.30
  • Other categories: ₹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 ₹30,000 or more in the previous year to waive the ₹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 ₹150 spent.
• 2 Turbo Points per ₹150 spent on supermarkets & groceries, plus an additional Turbo Point for spends above ₹5,000, capped at 34 Turbo Points per transaction.
• 4 Turbo Points per ₹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: ₹1
• Online travel site shopping: ₹0.25
• Other online shopping: ₹0.30
• In-store shopping at partner brands: ₹0.30
• AirMile/InterMile: 0.75 InterMile
• Cashback: ₹0.35

Conclusion

In conclusion, Citibank offers a variety of credit cards that cater to different needs and preferences. Whether you are looking for cashback rewards, travel perks, or balance transfer options, Citibank has a card that can suit your needs. Ultimately, when choosing a Citibank credit card, it's important to consider your spending habits and goals in order to find the card that best fits your financial needs.