Being one of the leading private sector banks, Citibank offers some of the best travel credit cards in India. In addition to travel cards, the bank also has a host of different credit cards designed for you if you love to shop.
If you’re someone who wants to get a credit card in the near future, but are unsure of the type, then this article is for you. Here are some tips that you can follow to help you choose a Citi credit card that’s right for you.
How to Find Your Ideal Citi Credit Card?
Considering the fact that Citibank offers multiple credit cards under different categories, it is crucial to determine the one that fits your requirements. To do that, all that you have to do is follow the tips below.
- Determine the Category of Credit Card
There are as many as 5 different categories of Citi credit cards available in India, which are shopping, fuel, cashback, travel, and lifestyle. To be able to find the right kind of card for you, it is important to first determine the category. For instance, if you’re a regular traveller, a travel credit card may just be what you need. On the other hand, if you’re a shopper, a shopping credit card may serve your needs better.
- Pick a Credit Card That Fits Your Budget
Citibank offers both entry-level and premium credit cards. Entry-level cards usually offer fewer rewards and charge a lower annual fee. Premium cards, on the other hand, offer plenty of rewards and tend to come with a hefty annual fee. When choosing the ideal Citibank credit card for yourself, focus on whether the card fits your budget first rather than looking at the rewards that they offer.
- Take a Look at the Rewards Offered by the Card
Once you’ve narrowed down your search to the cards that you can afford, the next tip is to look at the rewards on offer. Not all credit cards from Citibank offer the same kind of rewards. Instead, they tend to vary depending on the category and the type of credit card that you choose. So, when you’re out to pick a credit card, make sure that the rewards that it offers matches your usage. This way, you can maximise the benefits that you get from the card.
- Go through the Schedule of Charges
The schedule of charges is one of the most important documents that you must pay attention to. It outlines the various fees and charges applicable on a credit card. When choosing a credit card, always remember to go for the ones that charge the lowest fees. Doing so can help reduce the burden on your finances significantly.
Citibank Credit Cards That You Can Consider Applying For:
Now that you know how to find your ideal credit card from Citibank, here’s a list of popular cards that you can consider.
- Citi Rewards Credit Card
The Citi Rewards credit card is the perfect choice for individuals looking for shopping benefits. Here’s a quick look at some of the rewards offered by this Citi credit card.
- 300 bonus reward points on purchases of over Rs. 30,000 in a month
- 1 reward point for every Rs. 125 spent
- 10X reward points on both physical and online departmental and apparel stores
- IndianOil Citi Credit Card
If you’re someone who commutes to work using a private transportation vehicle, having a fuel credit card with you can be quite helpful. The IndianOil Citi credit card offers a host of benefits, some of which are explained below.
- 4 Turbo points for every Rs. 150 spent at IndianOil outlets
- Fuel surcharge reversal of 1% at IndianOil outlets
- 2 Turbo points for every Rs. 150 spent on supermarkets and groceries
- 1 Turbo point for every Rs. 150 spent on other categories
- 250 welcome Turbo points on your first spend within 30 days from card delivery
- Citi Cash Back Credit Card
The Citi Cash Back credit card is designed to offer a percentage of your spends back to you in the form of cashbacks. Some of the benefits offered by this Citi credit card are as follows.
- 5% cashback on movie ticket purchases and utility and phone bill payments
- 0.5% cashback on spends on all other categories
- Cashbacks get accumulated and are credited in multiples of Rs. 500
- Citi Prestige Credit Card
The Citi Prestige credit card is a premium lifestyle credit card that comes with multiple benefits. A few of the key benefits of this card from Citibank are listed below.
- Welcome bonus of 2,500 reward points
- Benefits worth Rs. 10,000 from ITC Hotels or the Taj Group every year
- 1 reward point for every Rs. 100 spent online or offline
- 2 reward points for every Rs. 100 spent internationally
- Unlimited access to both domestic and international airport lounges
- Citi PremierMiles Credit Card
One of the best travel credit cards in India, the Citi PremierMiles credit card allows you to accumulate miles on certain select spends. Some of the key benefits offered by this travel credit card are as follows.
- 10,000 bonus miles on your first spend within 60 days from card delivery
- 10 miles for every Rs. 100 spent on airlines and on the www.premiermiles.co.in website
- 4 miles for every Rs. 100 spent on other categories
- Complimentary access to select airport lounges
Although there are plenty of great Citi credit cards in India, finding the one that’s right for you is extremely easy. All that you need to do is follow the tips explained above. That said, before you go ahead and apply for a credit card, always remember to read through the terms and conditions thoroughly. This will ensure that you make a decision that’s in line with your requirements.