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Lets begin by choosing a card Lets begin by choosing a card

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  • Citibank Rewards
    Citibank

    Citibank Rewards

    • 10 reward points per Rs. 125 spent on apparel, department stores and at over 50 other partners.
    • 1 point per Rs. 125 spent elsewhere.
    • 1,500 bonus points on first transaction in 30 days& another 1,000 points on first transaction for more than Rs.1,000 in 60 days.
    • Redeem points instantly for cashback or shopping, fuel , entertainment, travel & more.
    • Up to 20% discount on dining.
    • Annual fee - Rs. 1,000. (Waived if annual spends cross Rs. 30,000).
    • Terms & Conditions
  • IndianOil Citibank Platinum Card
    Citibank

    IndianOil Citibank Platinum Card

    • 4 Turbo points per Rs. 150 spent at Indian Oil outlets & other featured partners & 2 points per Rs. 150 spent on grocery & supermarkets.
    • 1 point per Rs. 150 spent elsewhere.
    • Redeem points instantly for cashback or shopping, fuel , entertainment, travel & more.
    • Redemption rate of 1 Turbo Point equivalent to Re. 1 of free fuel at IOC outlets
    • 2.5% fuel surcharge waiver at Indian Oil outlets.
    • Up to 20% discount on dining.
    • Annual fee - Rs. 1,000. (Waived if annual spends cross Rs. 30,000).
    • Terms & Conditions
  • Citibank Cash Back
    Citibank

    Citibank Cash Back

    • 5% Cash back on transactions done for movies, telephone bills payments and utility payments through Citi BillPay. Cash back is capped at Rs.100 per month for each category
    • 0.5% Cash Back on all other spends, No cap on cash back earned
    • Annual Fee of Rs. 500 to be charged in the first statement and thereafter, every 12 months
    • Cash back earned gets auto credited on accumulation of a min of Rs. 500, and thereafter, in multiples of Rs.500
    • Terms & Conditions
  • Citibank  PremierMiles
    Citibank

    Citibank PremierMiles

    • 10 Miles per Rs.100 spent at any airline website or counter, www.premiermiles.co.in, and preferred partners.
    • 4 Miles per Rs. 100 spent elsewhere.
    • 10,000 Miles with your first spend of Rs. 1,000 or more within 60 days of card issuance & 3000 Miles on Card renewal
    • Redeem Miles directly for travel bookings at www.premiermiles.co.in or at preferred partners or transfer Miles to partner Frequent Flyer programs.
    • Complimentary Access to Airport Lounges.
    • Annual fee - Rs. 3,000.
    • Terms & Conditions

Citibank Credit Cards:

Citibank Credit Cards are loaded for a variety of categories like Shopping, Dining, Fuel, Travel, No Fee, Premium, Cashback etc. We have listed every Citibank card with its all features and you can also apply with in minutes.

Credit card FAQs

What are the types of credit cards available?

Credit cards can be classified into many categories depending on the kind of rewards offered by them. Some of the most popular types of credit cards are cashback, travel, premium, shopping, fuel etc.
Cards can also be classified into silver, gold, platinum, titanium , signature, world and infinite based on the features as determined by the bank.

How do I choose the best credit card for myself?

With such a wide variety of credit cards available in the market, it can be quiet a difficult task to choose the right card. To narrow down on the best card for your requirements, you should first list down the categories where you intend to make the most spends using the card and then look for cards which offers benefits on spends on those categories. You can also use your preference for a bank as one of the criterias for narrowing down your choice.
At Rupeepower, you can choose and compare the features of multiple cards in one glance and choose the best option. For your convenience we have already categorised cards as per the above category so that you don’t have to do the hard work.

I am a self employed person. Can I apply for a credit card?

Yes. Self – employed persons can easily apply for a credit card. You will need to provide copies of the filed Income tax return as proof for you income.

How to apply for a credit card?

There are multiple ways to apply for a credit card. You can walk into any bank branch of your choice and submit your application. The easiest, quickest and the most convenient way is to apply online. Sitting in the comfort of your home, can browse the various types of cards available in the market and their features. Once you have made up your mind, you can apply in 2 simple steps. Not only that, on RupeePower, you get an instant in – principle approval and a bank official will visit you at your doorstep to collect any required documentation

How is my eligibility for a credit card determined? What will be my credit limit?

The eligibility is dependent on a number of factors which include income, age, CIBIL score, existing EMIs being paid etc. These norms vary for each bank. Once you have put in your application, the bank reviews the same and decided on whether to offer you’re a credit card or not. If the card is approved, the credit limit is also decided based on the above criteria.

Why apply for credit card on RupeePower.com?

Applying for your credit card on RupeePower.com makes your life easier. We have compiled a list of the best credit cards that are available to each of the spending categories. You can see the benefits and charges of all these cards at one place and do not have to visit the websites of different banks. Not only that, once you have selected your card, you can fill in your details online and we will instantly tell you if your card is approved (in-principle) or not.

How can I get an instant approval for a credit card?

You can get an instant approval for a credit card by applying online on RupeePower.com. We have tied up with multiple banks and build there credit rules into our intelligent engine. All you have to do is enter some of your basic details which is required by the banks. We will then run these details through the banks credit norms and instantly give you a decision (in principle) subject to documentation submission to the bank.

What is EMI on credit card?

Banks also allow you to convert large ticket purchases on your card into easy to pay EMI. This feature allows you to make purchases even if you do not have the money to pay for it at this moment. It can be thought of as a loan from the bank for a short period, on which they charge a small interest percentage.
Typically, EMIs are available for 3,6,9 and 12 months.

How can I make the repayment for my credit card outstanding?

Payment for credit card outstanding can be made by doing an online transfer, or depositing a cheque. Banks also allow you to settle your card dues by paying cash at their branches. However, there might be an additional charge to that. 

Which banks offer credit cards?

In India most of the Nationalised, private and Foreign Banks offer credit cards. Among the most prominent issuers of credit cards are HDFC Bank, SBI, Citibank, Standard Chartered Bank, ICICI Bank, Kotak Mahindra Bank, Axis Bank and American Express.

I have a poor credit history and am not able to get a credit card. What can I do?

A good credit history is extremely important to get a credit card. For people who do not have a great credit history, the best option is to apply for a secured credit card. These cards are just like a regular credit card, except that they are backed against a fixed deposit that you hold with the bank. Making regular purchases and payment to your secured card outstanding can help build your credit score which will be beneficial when applying for other credit products.

What are the different payment networks that are available?

Currently cards are offered through Visa, Mastercard and American Express (Amex). Very soon, Rupay credit cards will also be issued by banks.

What is the minimum income requirement when applying for a credit card?

Typically, banks require a minimum monthly income of Rs. 15,000. This number is however flexible and can vary depending on your age, they company that you work for, your history with the bank you have applied for a credit card with etc.

What are add-on / supplementary cards?

Add on cards are credit cards which offer the same benefits as that of the primary credit card, but does not require any eligibility criteria to be met by the person to whom the add on card is being given.
The primary card holder can get add on cards issued to their immediate family members for use by them. The is no eligibility criteria or credit scoring check run on the add on card holders. The credit limit however, is common across all the cards which are linked to the primary card. The outstanding on the add on cards is also billed to the primary card holder.

About Credit card

What is a credit Card?

A credit card is a payment instrument which is offered by banks. It enabled customers to conveniently pay for their expenses and purchases without the hassle of carrying cash upto the credit limit assigned by the bank.
Credit cards also offer interest free credit period. This is applicable from the date of purchase made with the card till the date of payment dues. There are also various rewards programs which are offered for the benefit of the consumers.

What can I do with a credit card?

Credit cards are primarily used for making payments and purchases. Loosely put, it is “plastic money” which can be used as a replacement for cash. Card holders can make payments online as well as at physical stores by using their card. For paying as physical stores, the merchant has to have a POS or swipe machine to be able to charge the credit card.

What are the requirements to get a credit card?

The criteria for getting a credit card varies for each bank. Banks usually use a combination of income, CIBIL score, company etc into consideration when approving a credit card application. The credit limit offers will also depend on these factors. You can apply for a credit card on RupeePower and get an instant in-principal approval.

What are the charges payable? When do they need to be paid?

Credit cards have two primary charges. One is the Joining/Annual fee and the second is the interest rate charged if you miss the payment as per the due dates.
Joining fees is payable as soon as your card is approved and is billed in the first month. Usually banks charging joining fee on the card offer benefits which is worth a similar amount or higher.
Annual fee is payable on renewal of the card from the second year onwards.
Varying interest rates (depending on the bank and card variants) are applicable on the outstanding amount if payment is not made as per the due date of the bill. These get calculated and added to your outstanding amount.
Apart from this, there are charges for late payment, cash payment, etc. A complete list of charges can be found on the respective bank’s website. They are also sent to the customer along with the credit card.

How does a credit card impact my credit score?

A good credit score greatly improves one’s chances of getting a credit card. Once the card has been approved, timely payments of outstanding amount helps build and improve the credit score of the customer, which will be useful when applying for other products like home loan or personal loan. However, default on the same can adversely affect the credit score and can cause a problem when applying for credit in future.

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