Benefits of Using CitiBank Credit Card – More than any other Card Can Offer


Citi is a leading global bank with over 200 million customer accounts spread across 160 countries. For well over a century, specifically, since 1902, it has been part of the Indian market as an important investor, with a total employed capital in excess of $3 billion. In short, choosing a credit card from over eleven products on offer in the country, will be a problem of choice, and not trust.


The chief benefit, therefore, of using a Citibank credit card is that fact that in opting for a Citibank card, one opts into the fraternity of a banking organisation with over a century of experience, garnering the trust of millions of account holders across the world.

On a different note, whether the choice of the card is driven by a need to travel, a desire to shop, a consideration of prudence in fuel consumption of to cater to a specific lifestyle, Citibank’s credit cards are tailor made for each of the purposes and more.

Consider the Citibank PremierMiles card, which bestows upon the customer best of class privileges, in addition to extreme ease in redeeming the points one earns by traveling on one of a bevy of over 100 airlines.

Alternately, the Citibank Rewards card and Rewards Domestic Card let the customer earn ten times more points not just while shopping, but can also avail air miles, cash back, premium merchandise and more. In continuation, the Citibank Cash Back card lets the customer save more as one spends more, with a 5% cash back on daily spends.

Understanding the consumer’s pulse and catering to specific needs is not easy, but possible. Take for example the First Citizen Citibank Titanium Credit Card, through which a customer can earn reward points on literally every purchase and up to seven times more points on a purchase at Shoppers Stop, in addition to availing year round shopping privileges. The Citibank Platinum Credit too rewards the customer with multiple points for spending on dining, apparel, footwear and accessories, in addition to attractive, yearlong benefits.

For the fuel conscious, the Indianoil Citibank Titanium and Platinum Credit Cards both offer 5% off on fuel bills, in addition to 4 times the points on fuel and hundreds of lifestyle purchases. What is more, converting these points into free fuel is instantaneous!

For some, it all boils down ultimately, to lifestyle. And that is why, only the Citi Prestige Credit Card will do. With an elevated status on loyalty programs of partners that include British Airways, Hilton, Shangri La, Taj group and more, travel and living do not get more accessible, perfect and svelte than this. Add to this complementary access to over 600 airport lounges and unforgettable savings on airline tickets, these make Citi Prestige, the card of choice for those who insist on living life their way.


Citibank credit card deals that you can choose


citibank credit cardCitibank is one of the leading players in the Indian credit card market. Citibank Credit Cards are well known for the deals, offers and rewards they offer. Here are some popular credit card deals by Citibank which you can choose:


Citibank offers shopping deals on 5 of its card offerings – Citibank Rewards Card, Citibank Rewards Domestic Credit Card, Citibank Cash back credit card, First Citizen Citibank Titanium credit card and Citibank Platinum credit card.Shopping with citibank credit card

The rewards cards give you 10 reward points for every Rs. 125 spent at apparel and department stores and 100 other partners and 1 point for every Rs. 125 spent on other transactions. The cash back card offers 5% cash back on movie ticket purchases, telephone bill and utility bill payments. Other transactions earn 0.5% cash back. The First Citizen Titanium credit card gives you 7 First Citizen points for every Rs. 100 spent at Shoppers Stop for private label brands and 5 points for other brands in Shoppers Stop. In all other cases, you earn 1 First Citizen point for every Rs. 100 spent. The benefits can be quite substantial if you shop exclusively at Shoppers Stop. The Platinum credit card can get you 5 reward points for every Rs. 125 spent at select merchants. This card does not have joining fee and renewal fees. Most of the above cards, except the Platinum card offer welcome reward points on joining and also bonus points on renewals. You also get 20% savings on dining bills across 2000 select diners in the country.


You can get good travel deals with the Citibank PremierMiles Card. This card offers 10 Miles for every Rs. 100 spent on airline transactions and also with select partners. This includes booking flight tickets, hotel stays and car rentals. You can earn 4 Miles on all other transactions made on the card. You also get to earn Bonus Miles of 10,000 for the first spend of Rs. 1000 on the card within 60 days of issuance and 3,000 Miles on card renewal. The Miles you earn never expire and can be redeemed for flights, hotels and car rentals. You can also enjoy complimentary access to airport lounges. The interest rate is fixed at 2.5% per month and the annual fee is Rs.3000.


Fuel deals can be got by opting for the IndianOil Citibank Platinum Card or the IndianOil Citibank Titanium card. The Platinum card gives you 4 turbo points for every Rs. 150 spent at Indian Oil retail outlets, 2 points for spend at grocery and supermarkets and 1 point for other transactions. There is also a waiver of 2.5% fuel surcharge. 1 turbo point gives you Re.1 of free fuel. You can also redeem for gift vouchers. The Titanium card gives you similar benefits.


Not many cards in India give you good deals on lifestyle. Citibank’s Citi Prestige Credit Card offers benefits on high luxury lifestyle spend. You can get up to 15% savings on international first and business class travel with select airlines and complimentary unlimited Priority Pass lounge access in airports. You get up to 20% savings on leading luxury hotels and luxury spas in India. There are a whole host of other luxury deals you can choose to avail at discounts when you hold this card. This card also gives you overseas medical insurance, air accident insurance and lost card protection. As this is a lifestyle card, the card comes at a high annual membership fee of Rs. 20,