Best Citibank Credit Cards In India (2018 Reviews and Comparison)

Best Citibank Credit Cards In India (2018 Reviews and Comparison)

In this article, you’ll find review and comparison of some of the best Citibank Credit Cards in India in various categories such as cashback, grocery, travel, shopping, and fuel.

The Citibank Credit Cards online application form is available in each section below.

Citibank Credit Cards offer some of the best benefits, rewards and discounts in all categories to shoppers in India.

Citibank Credit Cards are great alternatives to HDFC or ICICI Credit Cards in India which offer average rewards and benefits.

I hope you’ll find this detailed review valuable for your credit card shopping!

#1 Citibank Credit Card (Cashback) Review

Citibank Credit Card (cashback credit card) is one of the best cashback credit cards in India.

It is a simple general purpose creditcard for the first time credit card buyers.

If you are looking to own multiple credit cards, one for each special purposes such as travel, leisure or shopping then skip this card.

Eligible to apply if you are a salaried employee. Easy approval if you already have a citibank salary account.

Apply Here

Highlights of Citibank Credit Card:

  • Easily earn more than Rs.6000 in cashback every year
  • 5% cashback on Movie tickets
  • 5% cashback on Electricity bill payments
  • 5% cashback on Telephone bill payment
  • 0.5% cashback on all other purchases. No cap on the cashback earned
  • 5% cashback on iPhone purchases
  • Upto Rs. 10000 cashback on purchase of all other Apple products
  • Cashback amount will be credited every month into the credit card account automatically

Added Benefits of Citibank Credit Card:

  • Easy EMI option available on shopping bill above Rs.2500 at various outlets
  • Instant online loan option available with no documentation.
  • A lot a discounts available at MakeMyTrip.

Fees:

  • Annual Fee Rs.500
  • Call customer care to check if they waive the fee
  • No other hidden fees or charges

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Details:

Cashback earned every month will be credited into the Cardholder’s Citibank Creditcard Account automatically when the cashback amount reaches Rs.500. You’ll see this reflected in your monthly statement.  Hassle free cashback payment.

To get the 5% cashback on Electricity bill, the payment should be made using the Citibank credit card in Citi Bill Pay or Citibank Online Payments only.

Final Verdict:

Go for this Citibank credit card if you want a simple everyday use credit card that earns you a lot of cashback!

Here is why:

  • You can easily earn Rs.500 or more in cashback every month, which is Rs.6000 annually (Rs.500 x 12 months = Rs.6000)
  • One of the best cashback credit cards. There is no limit on the cashback earned, unlike other cards which have an annual cap limit
  • Only card that provides best discounts to buy Apple products such as iPhone or MacBook(upto Rs.10,000 discount)
  • Annual Fee is very small compared to other cards.  It can be easily paid with just one month’s cash back amount.
  • If you already have a Citibank salary account then buy this card. It will be easy to login and manage all your accounts with just one bank login.

If you already have a  credit card and you are looking for a second credit card for special purpose such as travel, leisure or dining rewards, then this is not your credit card.

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#2 Citibank Credit Card (Rewards) Review

Citibank Credit Card (Rewards) is the best credit card available in India for the first time credit card buyers.

Highly recommend this Citibank credit card to you if you already have a salary account with Citibank.

All salaried employees are eligible to apply.

Apply Here

Highlights of the Citibank Credit Card:

10X rewards for purchases at Dress and Grocery Shops
– 1X rewards for all other purchases
– Get 2500 points as bonus after the first card transaction.
– 300 bonus points on spending more than Rs. 30,000 in a month.
– Redeem you points for premium merchandise, air miles, holidays
Redeem reward points for cashback
– Reward points never expire

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Other Benefits of this credit card:

5% cashback on iPhone purchases
– Upto Rs. 10,000 discount on Apple Laptop or iPad purchases
20% cashback on domestic flight tickets booked using Paytm app.
– Rs.1200 cashback on domestic flight tickets booked using MakeMyTrip.
– Easy EMI option available in many electronic and retail outlets
– No hidden fees or charges.

Fees:

Annual Fee: No annual Fee (Fee waived on spending Rs. 30,000 in a year)
Joining Fee: No joining Fee

Apply Here

Who should apply for Citibank Rewards Credit Card:

  • First time credit card buyers
  • Those looking for a simple hassle free credit card for everyday shopping with no annual fee
  • Those with expenses around Rs. 2,000 – Rs, 7,000 per month

For those with monthly expenses more than Rs. 7,000, consider buying the Citibank Credit Card(Cashback) reviewed above.

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Final Verdict:

Go for it if you are a first time credit card buyer and not sure which one to buy.

Here is why:

No annual fee. You need to spend just Rs. 30,000 in a year (Rs 2,500 X 12 months = Rs. 30,000).
– This makes the Citibank Credit Card(Rewards) a common man’s credit card.
Monthly grocery and dress purchases alone will fetch you a lot of reward points
– Rewards can be converted into cash.
– Huge discounts for Apple Products & flight tickets.
– No hidden fees or charges

Apply Here

CreditDeals Tips, especially for you!

If your monthly telephone bill is low and you think you cannot benefit out of the Citibank credit card(Rewards), try paying your Airtel internet bills also along with your Airtel telephone bills using the Citibank credit card.  As long as you make any payment to telephone companies like Airtel or Reliance Jio or Vodafone it would be considered as Telephone Bill Payment and avail the 5% cashback.

 

#3 Citibank Credit Card(Premier Miles) Review

Citibank Premier Miles Credit Card is definitely not a regular credit card.

The credit card comes with a host of privilleges tuned towards frequent fliers and travelers – both business travelers and leisure seekers.

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Highlights of the credit card:

  • 10 Miles earned for every Rs.100 spent on airline ticket purchases or hotel stays
  • Earn 4 miles on all other transactions
  • 10,000 bonus miles earned on first transaction worth Rs. 1000 or more made within 60 days
  • 3000 bonus miles on card renewal
  • Miles never expire
  • Easily convert card miles earned to airline miles or hotel partners
  • Enjoy lounge access and light refreshments at all major airports in India
  • Free Air Accident Insurance coverage upto Rs. 1 Crore
  • Lost Card Liability Cover upto Rs. 2 Lacs.
  • Citi World Privilleges on spa, golf, entertainment at 26000 locations around the world
  • Easy EMI Option Available
  • No other hidden charges and fees

Annual Fee: Rs. 3000

Final Verdict:

Definitely a must have Citibank credit card for frequent travelers.

Apply Here

 

#4 Citibank Indian Oil Credit Card(Indian Oil Credit Card)

Citibank Credit Card(Indian Oil Fuel Credit Card) is the best credit card for those who own a car and drive it to work everyday.

All salaried employees are eligible to apply.

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Highlights of the Citibank Credit Card:

  • Earn 4 Turbo Points for every Rs.150 spent on fuel purchased
  • Earn 2 Turbo Points for every Rs.150 spent at groceries and supermarkets
  • Earn 1 Turbo Point on all other purchases
  • Turbo Points never expire
  • No Annual Fee
  • No hidden fees or charges

Fees:

Annual Fee:  No annual fee (when you spend Rs.30,000 on your credit card every year).

Joining Fee:  No joining fee.

Apply Here

Final Verdict:

Go apply for the Citibank Credit Card(Indian Oil Fuel Credit Card) if you have a car and spend minimum $Rs.5,000 on fuel and groceries every month.

You’ll easily earn Rs. 6000 worth of Free Fuel annually with the Turbo Points earned.

Apply Here

Also read: Standard Chartered Manhattan Credit Card Review

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