Citigroup, an American financial service corporation is headed in New York. Citibank is a financial banking division of Citigroup founded in 1812. Citibank began its banking services and operations around 1902. Citibank today has an operational presence in over 45 branches across 28 cities. This bank provides elite clientele by providing services in personal finance, asset management and investment banking arena. Citibank’s comprehensive credit card portfolio has credit cards under the shopping, travel, lifestyle, and fuel categories. With multiple advantages accompanying every Citi credit card, you can be handsomely rewarded with benefits on every spend.
This bank provides a wide range of diverse financial solutions involving investment banking, private banking, wealth management, equity brokerage and consumer and corporate banking to serve the ever-rising banking needs of Indian consumers. Besides general accounts like current accounts, savings bank accounts, salary accounts, etc., the bank plays a major role in the segment of a credit cards with around 2.3 million cards currently active.
Why must you select Citibank credit cards?
Citibank credit cards have numerous benefits like enticing reward schemes, wide acceptance, and international recognition. There is one credit card to mitigate your lifestyle requirements, may it be shopping or travel.
∙ Insurance advantages with credit cards – Various Citibank credit cards today come with insurance advantages involving travel accident coverage, health insurance, and lost luggage insurance.
∙ Exclusive reward points – With Citibank rewards, you can be able to earn rewards at an accelerated mode and liquidate it against exclusive special deals, vouchers, and merchandise.
∙ Numerous varieties of cards – There is one Citi credit card for everyone, so do not worry. There are majorly 5 kinds of credit cards namely the Indian Oil card, Prestige card, Cashback card, Premier Miles card, and Rewards card.
Features and advantages of Citibank card
∙ Your Citi bank credit card rewards can be redeemed to avail gifts mentioned on the bank’s catalogue or in exchange for money.
∙ Airmiles and entry to distinct airport lounges can even be availed.
∙ You can even use the card to pay the utility bill and withdraw money. However, note that withdrawing money using your credit card is not recommended as it cost you a cash advance fee and finance charges on the amount you withdraw through ATM.
∙ You get the option to repay your Citibank card bill in totality, which is highly recommended.
∙ Moreover, you can even just pay the MAD (minimum amount due) and pay the remaining at later date. However, in the case, you as a card user do not pay the bill amount in totality, the interest may be applicable on the rest of the amount. Thus, with every subsequent payment, you may end up paying a higher due owing to the interest constituent charged.
∙ If the payment is not made still on time, you may end up paying a massive bill, which may create a dent in your finances. Thus, you as a customer must make sure that you use your credit cards wisely and in a judicious manner.
∙ Owing to the above-mentioned reasons, credit cards often are not offered to all but just those who fit in the eligibility criteria set bank Citibank. Crucial eligibility criteria include your income, location, age, and credit score.
Citibank travel card – Citibank Premier Miles credit card
Citibank Premier Miles card is particularly designed to match your travel needs if you are a frequent traveller by flight. This card offers air miles as well as travel insurance coverage.
Benefits and features of Citi credit card PremierMiles
∙ This card is particularly designed for constant flyers as it comes with Airmiles, which is rewarded to you on every travel booked using the Citibank PremierMiles card.
∙ You get 10 miles on spending every Rs 100 on airline transactions.
∙ You get welcome miles of 10,000 points on activation of a credit card and 3,000 bonus points on every renewal.
∙ PremierMiles credit card even provides complimentary access to airport lounges, which are premium across India.
∙ Other crucial features of using this credit card are you get travel insurance coverage, exclusive dining and travel deals and provision to opt for a credit card loan.
Citibank shopping credit card – Citibank Rewards credit card
Citibank rewards credit card
This is a card, which allows you to earn when spending, exclusive privileges, and benefits.
Benefits and features of Citibank rewards card
∙ Citibank rewards credit card allows you to earn rewards faster and the points that you earn can be easily used for claiming exclusive premium merchandise, travel deals and other crucial offers and deals.
∙ You can earn 10 rewards on every Rs 125 spent on departmental and apparel stores whether in-store or online.
∙ You can get 4 additional rewards on spending every 125 on Myntra, Amazon and Flipkart.
∙ You can get 300 bonus reward points on credit card purchases equaling Rs 30,000 or even more in a specific month.
∙ Note that the earned bonus points have no expiry and may be redeemed to avail attractive deals like air miles, premium merchandise and cash-back offers.
Citibank fuel credit card – Indian oil Citi credit card
Indian Oil Citi card
If you are an individual who frequently hit the road, then the Indian oil Citi credit card may assist you to save plenty on fuel expenses considerably and even earn other good rewards.
Benefits and features of Indian oil Citi bank card
∙ You can earn 4 tourbo points on spending every Rs 150.
∙ 1 per cent fuel surcharge reversal upon fuel at various authorised Indian oil retail centres or outlets throughout India.
∙ Allows you to earn 2 tourbo points on spending every Rs 150 on supermarkets and groceries.
∙ Allows you to earn 1 tourbo point on spending every Rs 150 on distinct other spends.
Citibank provides credit cards, which matches your requirement. You can select from a range of credit cards based on your requirement. So, you can avail credit cards offering air miles, reward points or cash back – all on Citi bank credit cards. So, if you are eligible for a Citibank credit card, then ensure to avail the one card as per your preference and requirement.
