Citibank Credit Card – Benefits, Rewards & Online Application

1. Each month, Citibank credit cards put cash back in your pocket by turning everyday expenses, like food and petrol, into valuable rewards and cashback.

2. Choose the card that best suits your needs, whether it's for earning travel miles, saving on shopping, or cutting fuel costs. There's a card for every lifestyle.

3. Make the most of exclusive perks that make life easier and more rewarding, such as flexible EMI options for big purchases, lounge access, and contactless payments. 

Citibank credit cards come with a variety of financial offers, rewards, cash back, and travel benefits, all designed to meet different spending needs. They provide exclusive lifestyle privileges and worldwide acceptance.

Example:

Meet Ramesh, a 33-year-old professional living life to the fullest! Let's take a look at how he uses his CITI card, showcasing some of the great benefits that many people in India enjoy.

Table:

Ramesh's monthly spending showcases the card's tangible rewards and savings.
 

This table highlights how this card can transform your everyday expenses into valuable savings, a fantastic benefit for many users in India.

Key pointers highlight its usefulness:

Key features offer convenience, financial flexibility, and travel perks to enhance your experience
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• Contactless Payments: Enable fast, secure transactions.
   
• EMI Options: Make large purchases budget-friendly.
   
• Airport Lounge Access: Enhances travel experiences.

These features provide significant financial flexibility and exclusive perks.

This blog helps you understand Citibank credit cards; the next topic is a list of the best Citibank credit cards.

Top 5 Citibank Credit Cards in 2025

These cards are designed with you in mind! They offer customised rewards, significant savings, and special perks tailored to your unique lifestyle.

Table:

This table compares key details of Citibank’s premier credit cards.
 

Every card is designed to fit your unique spending habits and financial goals!

Now that you know the top cards, the next topic is the features of the top 5 cards.

Features of Top 5 Citibank Credit Cards in 2025

1. Citi Rewards Credit Card

The Citi Rewards Credit Card converts regular purchases into valuable rewards, making it an ideal choice for consumers and frequent spenders. In critical areas, such as groceries and foreign spending, it offers accelerated points.

Example:

Meet Nitin, a regular shopper who loves to use his card for his monthly groceries, which cost around ₹12,000. He also enjoys dining out, earning 1.5 points for every ₹100 spent on non-local purchases.
 

Key features include:

With this easy accumulation of points, he’s setting himself up for some great rewards in the future!
 

Earn Points Quickly: Get accelerated earnings on groceries and international purchases.  
 

No Annual Fee: Waived with a minimum spend.  
 

Flexible Redemption: Use points for cash rebates or travel.  
 

Exclusive Perks: Enjoy movie discounts, lounge access, and Talabat offers.  

These features turn everyday spending into rewarding experiences. Let’s dive into the next credit card!

2. Citi Cashback Credit Card

The Citi Cash Back Credit Card offers simple, limitless cash back on all purchases. It is perfect for people who prefer to save money immediately rather than using complicated reward points.

Example:

Devam spends AED 4,000 each month on groceries, dining, and online shopping. Thanks to his cashback card, he earns AED 80 from groceries at 2%, plus 3% on international purchases, such as online subscriptions, and 1% on all other purchases.

Its standout features include:

That's a smart way to save every month!
 

• Tiered Cashback: 3% on non-AED spends, 2% on groceries, and 1% on all other purchases.
   
• No Annual Fee: Waived from year 2 with a minimum annual spend.
   
• Simple Terms: No minimum spend exclusions or caps up to the credit limit.

This card offers easy savings on daily expenses, making it perfect for savvy spenders like Devam who want to maximise their money. 

Now, let's take a look at the IndianOil Citi Credit Card!

3. IndianOil Citi Credit Card 

Fuel and daily savings are the primary focus of the IndianOil Citi Credit Card, which is currently being transitioned to the Axis Bank credit card. Benefits for regular drivers and household spenders are maximised.

Example:

Meet Tushar! He spends ₹10,000 a month on fuel at IOCL outlets. For every ₹150 spent, he earns 6 EDGE Miles, along with some great surcharge waivers and grocery rewards, which really help cut down his fuel expenses.

Key migrated benefits include:

These pointers show flexible redemptions.
 

• Accelerated Rewards: High miles on fuel (6/₹150) and groceries (2/₹150).
   
• Flexible Redemption: Instant fuel-freebies or travel conversions.
   
• Lifestyle Perks: Lounge access, Zomato discounts, and fuel surcharge waivers.

These features continue to deliver value on necessary spending. 

For Tushar, the card is a handy financial tool. Now, let's talk about the Citibank PremierMiles.

Bonus Tip: The IndianOil CITI Credit Card is now coming together with Axis Bank, creating an exciting new opportunity for cardholders. This merger aims to bring you even more benefits and convenience, making your experience smoother and more rewarding.

4. Citibank PremierMiles

With no expiration date and unlimited miles earned on all purchases, the Citi PremierMiles Card is a high-end travel credit card intended for frequent travellers. It turns regular purchases into worthwhile vacation incentives.

Example:

Meet Puneet, a savvy traveller who racks up ₹5,00,000 each month on his local and overseas adventures. For every ₹80 spent locally, he earns 1.2 miles, while his foreign currency expenses boost his earnings to a fabulous 2.2 miles per ₹80 spent!

Key features include:

This way, he's constantly accumulating miles for exciting future trips. Happy flying, Puneet!
 

• Accelerated Miles Earnings: High rewards on local, foreign, and online travel bookings.
   
• Lounge Access: Two complimentary airport lounge visits annually.
   
• Flexible Redemption: Miles do not have an expiration date and may be utilised to reduce the cost of purchases or exchanged for travel services.
   
• Additional Benefits: Includes travel insurance and Citi PayAll for bill payments.

These features offer fantastic value for travellers like Puneet, ensuring that every dollar spent contributes to their future adventures. 

If you're looking for luxurious travel perks, the final card to consider is the Citi Prestige.

5. Citibank Prestige

The Citi PremierMiles Credit Card converts regular purchases into valuable miles for flights and upgrades, making it ideal for frequent travellers and frugal spenders. It provides faster returns on foreign exchange and travel-related expenses.

Example:

Meet Puneet, a frequent flyer who loves to travel for work! He spends S$3,000 each month on overseas trips and online bookings. With his travel card, he earns a fantastic 2.2 miles for every S$1 spent abroad and up to a whopping 10 miles per S$1 on travel portals.

Key features include:
 

It’s an excellent way for him to rack up miles for his next vacation!
 

• Accelerated Miles Earnings: High rewards on local (1.2 miles/S$1) and foreign spending (2.2 miles/S$1), plus renewal bonuses 9.
   
• Lifestyle Perks: Complimentary airport lounge access and travel insurance coverage 69.
   
• Flexible Redemption: Miles do not expire and can be redeemed for travel, vouchers, or through Citi PayAll for bill payments.

These features provide exceptional value for travellers like Puneet, maximising every spend.

This card is ideal for those seeking travel-centric rewards; now, let’s conclude this blog.

Bonus Tip: The annual fee for the Citi Prestige card will now be S$598 (before GST). When you renew your card and pay the yearly fee, you will receive a renewal gift of 80,000 Citi ThankYouSM Points, equivalent to 32,000 miles. You will also get 12 free visits to airport lounges each calendar year through Priority PassTM when you travel.

Conclusion

Numerous benefits are available with Citibank credit cards to suit different spending habits and lifestyles. There is an ideal card for you, whether your goal is to save money on fuel, earn rewards when shopping, or receive cash back on everyday purchases.

These cards can improve your financial experience by providing substantial savings through features such as flexible redemption options, exceptional benefits, and attractive welcome bonuses.

As you consider your options, think about how a Citibank credit card can make every transaction enjoyable and rewarding by turning your regular expenses into valuable rewards. 

FAQS

What is the difference between secured and unsecured credit cards?

Secured cards require a security deposit (often equal to the credit limit) and are ideal for building credit. Unsecured cards, on the other hand, have higher credit requirements and may charge annual fees.

How can I protect my credit score during the application process?

Limit applications to avoid multiple hard inquiries, which can temporarily lower your score. Pre-qualification checks do not impact your score 19.

What should I do if my application is denied?

Review the adverse action letter for the reasons, check your credit report for errors, and address issues such as low income or poor credit before reapplying. 

How do balance transfers work?

Citi Balance Transfer allows flexible repayment plans (6–24 months) to consolidate debt and save on interest, though fees may apply.

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About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.