Exploring CitiBank Credit Cards

  • 25 January 2020 | 1504 Views | By Mint2Save
Exploring Citibank Credit Cards

In the year of 1990, Citi Bank issued its first credit card. Since then, the bank has been issuing credit cards to meet the needs of the individual and fulfill the desires of its existing customers by offering attractive offers. Their credit card products are not only catering to the retail customers in their pursuit for sound personal finance but have also spread like a common for the corporate user base.

In this article, we shall explore various types of credit cards that are issued by Citibank along with various features and major conditions they come with.

Citi Cashback Card

Through Cashback credit card, you can tap and pay at the merchant terminals for all the purchases made. This card is most useful for a transaction of up to Rs 2000. As you don’t have to enter the pin at the Point Of Sale(POS) for completing the purchase with this Citibank credit card. It is the most used credit bank from the company. Specially meant for all the average users out there, this is a perfect card to use. 

Features:

  • Get all the dining privileges by saving up to 15% across all the participating restaurants. 
  • It helps you to access exciting offers, which can help you to save money on a variety of occasions by paying through this card. 
  • You can now quickly grab the EMI as you want. It helps you to currently grab the EMI, which availed to more than 2000 customers for the whole bank. This fantastic credit card can help you to make payments with the use of a mobile phone or outlet.
  • The interest rates for this credit card ranges from around 37.20%-42%. 
  • There are instant loan features and facilities which come with this card. The user can avail of the same by making the bank aware that he has the card. 
  • Citibank cashback credit card offers you instant services on flight tickets, bookings on the hotel made, and all the restaurants that you want to visit. You can pay with this card, and the necessary cost gets lowered.
  • To earn all the cashback from your Citi Cashback Card, you have to make sure that the payments are on or before due dates. It is through this that the user gets eligible to score points and redeem the same. 
  • There are more significant saves that you can get on the small amounts that you make over time. It can gradually help in saving a considerable sum. 

Citi Premier Miles Card

This Citi Bank made for the frequent flyer. If you travel frequently, then you might need this card for yourself. It comes with a ton of benefits. There are some welcome gift points which you can redeem if you have checked into a hotel.

Features:

  • You can earn up to 10 miles per 100 spent with the help of this card. There are airline transactions that you have to do to be eligible for this offer.
  • You can earn up to 4 miles for every Rs 100, spent on all the other transactions made from your card.
  • If the cardholder is a member of the Frequent Flyer Program, then you can book tickets with the help of this card. It can help you to accumulate all the score points in the best possible manner.
  • Get complimentary services from the bank with the use of this card. It can help you to have insurance coverage of about one crore.
  • In case you have lost your card, then you can get liability coverage of about 20000 on your card.
  • The variable rate of interest for your Citibank Premier Card can stretch to even 42%. The same as the Citi Cashback card.
  • There are instant discounts for travelers and those who frequently travel in planes. For your first booking, you can get up to a stark 10-15% off with this card. 

Citi Rewards Card

With the help of this amazing card, you can get an instant discount on payments made at petrol pumps. At more than 1200 of the participating Indian Oil outlets, this card can work out for you.

Features:

  • You can get up to 3000 bonus points with the help of your card. If you spend Rs 30000 or more per month, then this bonus point is a reward from the bank.
  • Points can be redeemed when you select them from the outlet of the partner. 
  • The unique feature of this fantastic Citi Bankcard is the cardholder can choose to redeem his points right away or can choose to redeem it later. The fact about the rewards point is that they never expire. So the user can wait for a large number of points to get accumulated and then redeem it at once.
  • The interest fee charged for this card is around 3.25%. It follows a per-month system. The interest rate is subject to change based on the amount the cardholder is earning. The bank usage and the pattern play a vital role in deciding the interest as well. 

Citibank Corporate Credit card

The Citibank Corporate Credit card is exclusively for all businesses. If you have a business and members of the family shares one credit card, then the Citibank Corporate Credit card can come with a lot of facilities. 

Features:

  • There are reward points that people can get when they make a transaction of around Rs 125 in purchases.
  • The remarkable reward points will never expire in the case of the Citibank Corporate Credit card. It is another unique feature of this fantastic card. It can help you to manage the point and help you to redeem them on time, whenever you want.
  • If you are traveling somewhere, you can get redeemable points. There are premium points that are collected and helps in the merchandise with various gift vouchers for your Citibank Corporate Credit card.
  • It is a technology-enabled credit card. It means that it helps to handle all the information and the expense management tools. 
  • The cardholder can access through the variety of service which is available with the use of the Citibank Corporate Credit card. It can help them to use mobile banking, SMS banking, and others.
  • Get online statements that update you with every transaction of the Citibank Corporate Credit card through regular post.
  • You can even access the statement of the Citibank Corporate Credit card anytime that you want.

Citibank Rewards Domestic Card

With the help of this amazing Citibank rewards Domestic Card, you can get personal concierge services in planning a party or a trip. This amazing card helps you to send gifts, flowers to someone with an exemplary discount. Just having this card makes it possible to avail of such cuts.

Features:

  • With the help of this fantastic card, all the users can get up to 6000 points on various movies, shopping, and even dining experience.
  • With the use of the Citibank rewards Domestic Card, the users can even get loan facilities and instant loan services from the bank. 
  • The interest rate for this fantastic card is incredibly low, which stands at 39%.
  • The interest rate depends on consumption and usage. It means that the pattern of spending is reflected in the interest rate calculation for the card.
  • With the use of this card, you can pay for your telephonic bill and then get a cashback too. It can help you to earn the maximum points and figures on the point which are redeemed rightly from the bank. 

How to earn all the reward points for the following credit cards?

  1. Every point on the Citi bank credit card is through a transaction. Different cards have different terms and conditions, which rewards the user with points. The points then can come in handy for paying in various instances, depending on the redeem option.
  2. There are ways to redeem all the points with the help of the online catalog. With the use of the list for the credit cards, which are presented by Citi Bank, it becomes easy for you. The people can choose any type of redeeming points that are present in the catalog and then find their match. 

Required documents

You need to have a passport size picture of yourself. PAN Card is a must to show at the office. Income proof of the payslip that you have made for the last three consecutive months. Identity Proof that you have collected from the bank statement or Aadhaar Card, which can help to prove that you are a citizen of India. Voter ID and even a driving license can also fulfill this purpose.

These are the particular documents that are needed to become eligible for holding any type of credit card. Besides these documents, the bank does not demand any other documents. All the cards from the bank have their records, which work as proof and a way to authorize yourself.

Get the card which suits you the best

These are the variety and sectored list of the credit cards which are provided by Citi bank itself. It depends on the type of usage and desires. You can take a credit card which you want to. The most preferred credit card is the Citi cashback credit card, which provided to the regular users of the bank.

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