Friday, March 17, 2023

How To Apply For Citi Credit Card

Don't Miss

Citi Diamond Preferred Card Take A Break From Paying Interest With Our Low Intro Apr On Purchases And Balance Transfers

How to Apply for a Citibank Credit Card ?

Get % Intro APR for 12 months on purchases from date of account opening and % Intro APR for months on balance transfers from date of first transfer. After that, the variable APR will be % – %, based on your creditworthiness. Plus enjoy no annual fee.*

Balance Transfer Fee: Either $ or % of the amount of each credit card balance transfer, whichever is greater.*

If you transfer a balance with this offer, interest will be charged on new purchases and unpaid introductory balances after your 0% introductory APR on purchases has expired, unless you pay the entire balance in full each month by the due date.

Balance transfers must be completed within 4 months of account opening.

How We Choose The Best Credit Cards From Citi

Bankrates personal finance experts have evaluated the top Citi cards according to our 5-star rating system. Our list of criteria for rating credit cards includes:

  • Rewards: Whether the card offers cash back, travel points/miles or multi-purpose rewards for eligible purchases and the potential returns based on rewards rate .
  • Perks and benefits: Whether the card offers extras such as retail discounts, extended warranties on purchases, travel insurance and financial management tools.
  • Annual fee: Whether the card charges an annual fee and if so, how much the cards overall value and benefits might offset the fee.
  • Introductory offers: Whether the card has a sign-up bonus, welcome offer or similar sign-up incentive and how much it adds to the cards overall value.
  • Variable APR: How the cards annual percentage rate compares with current averages as an indicator of cost and value.
  • Foreign transaction fee: Whether the card charges a foreign transaction fee for international purchases and how the fee affects the cards overall value.

Does Citi Give Instant Approval

When you apply for a Citi card, you may be approved within a few minutes or you may need to wait a few weeks for a decision. If you arent instantly approved, you may still be approved once Citi processes your application further or by calling Citis reconsideration line.

Related: The guide to credit card application restrictions

Also Check: Cabelas Credit Card

User Id And Password Guidelines

The perfect secure password is easy to remember, but difficult for outsiders to guess. Keep these tips in mind when creating your User ID and Password.

You should:

  • Review the current Citibank Vulgar Language Policy.
  • Make your User ID and Password two distinct entries.
  • Make your User ID and Password different from the Security Word you provided when you applied for your card.
  • Use phrases that combine spaces and words . NOTE: 1 space only between each word or character.

You should not:

  • Use your name.
  • Use multiple consecutive spaces.
  • Use more than three consecutive or sequential digits unless your User ID is an email address .
  • Use a single word that can be found in the dictionary.
  • Use something readily identifiable, such as your name, birthday, spouse or child’s name, Social Security Number, phone number or street address. These can be traced directly to you and are easy for potential hackers to guess.
  • Use letters or numbers that are near each other on the keyboard .

Need more suggestions? Have some fun and try one of these formulas:

  • Choose a meaningful phrase with 6-8 words in it and take the first character of each word to make your password: wboh9ya.
  • Insert two digits into a word .
  • Replace the vowels or other letters in a short phrase with numbers or other characters.
  • Misspell a word, drop some letters, add other characters, or make up crazy words using symbols instead of vowels or consonants.
  • Drop the vowels in a long word . Even better, add some numbers .

Tying It All Together

How to Apply for Citibank Rewards Card Credit Card

If you wanted to apply for more than one Citi card, the timeline would look like this:

  • Application #1 = Day 1

  • Application #2 = Day 9

  • Application #3 = Day 66

  • Application #4 = Day 74

In practice, the applications should probably be more spaced out, but the dates are used to illustrate the rules.Realistically, you probably dont want to apply to that many Citi cards in one year because of the bonus rules, which well cover later in the post.

You May Like: How Do I Check My Cabela’s Credit Card Balance

Ways To Make A Citibank Credit Card Payment

  • Call the number on the back of the card and enter your card information when prompted.
  • Online:Log in to your online account and click on Make a Payment.
  • Through the mobile app: Log in to your account and select your card, then tap Make a Payment.
  • Send a check or money order to P.O. BOX 9001037/ Louisville KY, 40290-1037. Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
  • At a branch: You can make a payment at any Citibank branch during normal business hours.

Yes, Citi can pre-qualify you for a credit card using their online pre-qualification page, though the pre-qualification tool is not currently working. While this seems like a temporary measure due to COVID-19, youll need to apply for Citi cards without getting pre-qualified until the page is functioning again.

When the pre-qualification page is working again, you can see if you pre-qualify for any Citibank credit cards by providing some personal information, such as your name, your mailing address, and the last four digits of your Social Security number. Citibank will then conduct a soft inquiry on your credit score, which wont hurt your credit in any way, before showing which cards you prequalify for.

Citi/aadvantage Executive World Elite Mastercard: Best For American Airlines Lounge Access

Sign-up bonus: 50,000 bonus miles after you spend $5,000 on purchases within the first three months of account opening. At 1.4 cents per mile, this bonus is worth $700 according to TPGs valuations.

Rewards: Earn 2x on eligible American Airlines purchases and 1 mile per dollar spent on everything else.

Annual fee: $450. Theres no fee for up to 10 authorized users.

Benefits: For those who want all the help they can get with earning AAdvantage elite status, this card could be the winner since you can earn 10,000 Elite Qualifying Miles after you spend $40,000 on it within a year. The card comes with a free Admirals Club airport lounge membership, valued at up to $650 for individuals or $1,250 for a household. The perk allows you to bring two guests or immediate family members into the club and authorized users of the card also have access.

Plus, you and up to eight companions traveling on the same reservation will get your first checked bag free when traveling on domestic American Airlines itineraries. Youll also receive a every five years. Finally, you can take this card outside the U.S., since you wont be paying foreign transaction fees.

Sign-up bonus: Earn 50,000 bonus miles after you spend $2,500 on purchases within the first three months of account opening.

Rewards: Earn 2x on eligible American Airlines purchases, restaurants and gas stations, and 1x on everything else.

Annual fee: $99

You May Like: Best Buy Visa Interest Rate

How To Apply For Credit Card At Creditmantri

It is now easy to check whether you are eligible to get a Citibank credit card at CreditMantri. You can follow the below steps to check your credit card eligibility.

1. Visit the CreditMantri website

2. Click on Credit Cards option which will take you to the page where a credit cards from varied banks are listed.

3. You can sort the cards either by bank or categories such as entertainment, cashback, shopping, fuel, rewards, lifestyle and travel.

4. Click on Check Eligibility which is displayed against the credit card you choose from the page.

5. You will now be directed to a page where you will have to fill up personal and contact details such as name, email id, mobile number, gender etc. Click on Next to proceed to the next step.

6. You will now be asked to submit your income details and after which you will be shown credit cards that you are eligible for. You can choose any of them from the list and apply for it.

Prequalifying Does Not Guarantee Approval

How to Apply for Citibank Rewards Card Credit Card

It is important to note here that prequalifying for a credit card offer does not ensure you will be approved. While these matches give you a much better idea of your approval odds they arent a guarantee. It is always possible that you prequalify for a card but still have a denied application.

However, prequalified offers are still the best way to boost your chances of scoring the top credit cards.

Don’t Miss: Td Bank Gift Card Number

Citi Prestige Credit Card

Citi Prestige Credit Card is the ticket to a new world of luxury and special privileges including travel deals, complimentary lounge access and free insurance coverage.

Features & Benefits of Citi Prestige Credit Card

  • Citi Prestige card is your passport to a world of exclusive privileges, luxury travel upgrades and the highest level of service.
  • Earn 1 reward point on every Rs.100 spent online and in-store.
  • You get a welcome gift of 2,500 bonus points and benefits worth Rs.10,000 from ITC/Taj.
  • A true lifestyle choice, this card comes with unlimited complimentary priority passes for lounge access at over 700 airports for both the primary and supplementary cardholder.
  • You get overseas medical cover worth USD 50,000 and air accident insurance of Rs.5 crores.
  • Get 4 complimentary golf rounds and golf lessons every year at more than 15 leading golf clubs in India.

Interest Free Credit Period On Citibank Credit Card

Citibank cardholder can get interest free credit period of up to 53 days, however, it is subject to change according the scheme and card. You wont get an interest free period if the previous months balance is not cleared in full on or before due date. Similarly, interest free period is not applicable for withdrawing cash from ATM.

Also Check: Visa Best Buy Credit Card

How To Increase The Credit Limit Of My Card

Reach out to any of our contact channels online or offline, to find out if you are eligible for a pre-approved credit limit enhancement. The bank will run a few real-time credit checks and ensure that the offer is valid, to confirm your eligibility for an increase of credit limit.

Please email us from your registered email ID in order to apply for a credit limit enhancement. Attached any of the self-attested documents mentioned below, and send your email to

Accepted documents :

  • Latest individual Income Tax Return showing income
  • Latest payslips of two months or a Salary Certificate
  • Form 16

Alternatively, you may courier a written application, along with a self-attested copy of any document listed above, to: Citibank N.A, Mail Room, Acropolis 9th floor, Dr. Radhakrishnan Salai, Mylapore, Chennai – 600 004.

Your cash limit is defined as a proportion of the total available credit limit that you can withdraw in the form of cash. You will be charged interest on this cash withdrawal, along with a cash withdrawal fee.

To know the cash limit on your card:

  • Visit the Citi Online home page
  • View ‘Cash Limit’ in the summary of the card

While both credit cards and debit cards are used to pay for expenses that you make, there are some primary differences between them in the way they are used. These are as below:

To know the cash limit on your card:

Why Choose A Citi Card

Credit Cards

There are a few reasons why you might consider a Citi card over cards from another major card issuer. As one of the largest retail banks in the United States, there are millions of Americans who hold checking and savings accounts with Citi.

If you already have an account with Citibank, then you can access your credit card from the same website and mobile app, using the same username and password. In fact, having an existing login will also make it quicker to fill out a new credit card application. Citi may also show you prescreened Citibank credit card offers that have more generous terms than the publicly available offers.

One benefit offered on many Citi cards is the Citi Flex Plan. This program lets you borrow directly from the card issuer at the current interest rate on your credit card as opposed to having to do a cash advance or a balance transfer.

Another reason to choose a Citi card is because of its valuable co-brand partners. For example, many people have a Costco membership, and Citi is the only company that offers a Costco credit card. American Airlines is also a co-brand partner of Citi, though itâs not your only choice for an American Airlines credit card .

Recommended Reading: Target Red Card Apr

Citibank Rewards Credit Card

Citibank Rewards Credit Card will let you earn even when spending, with exclusive benefits and privileges that comes with it.

Features & Benefits of Citibank Rewards Credit Card

  • Citibank Rewards credit card lets you earn reward points faster and the reward points can be used to claim exclusive travel deals, premium merchandise and other offers.
  • You earn 10 reward points for every Rs.125 spent on apparel and department stores .
  • Get 4 additional reward points for every Rs.125 spent on Amazon, Myntra, and Flipkart.
  • You earn 1 reward point for every Rs.125 on other spends.
  • Get 300 bonus points on card purchase of Rs.30,000 or more in a month.
  • Bonus points do not expire and can be redeemed against attractive options including holidays, air miles, cash back offers and premium merchandise.

Watch Out For Citi’s Sign

As you might expect, limits on the number of applications you can make isn’t Citi’s only response to rewards churning. The issuer also has some fairly strict rules about how often you can earn sign-up bonuses with its rewards cards.

In most cases, you won’t be able to earn a sign-up bonus for a given Citi credit card if you’ve received a bonus from that card — or any card from the same family — in the last 24 months. For example, say you earned the sign-up bonus for the Citi Prestige® Card in March of 2020. You’d need to wait until April of 2022 before you’d be eligible to earn a sign-up bonus with the related Citi Premier® Card.

But wait, there’s more. Citi’s sign-up bonus rule applies not only to opening cards — it also applies to closing cards. So, if you opened your Citi Prestige® Card in March of 2020, then closed the card in September of the same year, the 24-month countdown restarts. This means you’d need to wait until October of 2022 to be eligible for another sign-up bonus.

With these restrictions, it’s important to plan out which Citi bonuses you want to earn — and when. The Citi Prestige® Card is a popular choice for its dining rewards and travel perks, but the Citi Premier® Card often has a larger sign-up bonus. If you’re interested in both cards, you’ll need to decide which you want now, and which you’ll want in 24 months.

Recommended Reading: Which Best Buy Credit Card Should I Get

% Intro Apr On Balance Transfers And Purchases

Citi’s got you covered if you’re looking for a reprieve from high-interest credit card interest rates. Several no-annual-fee cards offer 0% intro APR on balance transfers and/or purchases.

The best Citi credit card is the Citi® Diamond Preferred® Card, which offers an intro APR of 0% for 12 months on Purchases and 0% for 21 months on Balance Transfers APR).

The Citi Rewards+® Card is almost as good with an intro APR of 0% for 15 months on Balance Transfers and 0% for 15 months on Purchases APR).

The Citi® Double Cash Card 18 month BT offer offers an intro APR of 0% for 18 months on Balance Transfers APR).

The Right Card For You Is One Easy Application Away

Rules to Know for Citi Credit Card Applications: 2 Year Rule!

Wayfair Credit Card

Earn Rewards and more when you shop at Wayfair.
$40 off your qualifying first order of $250 or more if you choose Rewards. Applicable to both Wayfair Mastercard and Wayfair Credit Card. Refer to the Rewards section of disclosure number one.

$40 OFF your qualifying first order of $250+ if you choose Rewards1

$40 off your qualifying first order of $250 or more if you choose Rewards. Applicable to both Wayfair Mastercard and Wayfair Credit Card. Refer to the Rewards section of disclosure number one.

Earn Rewards and more when you shop at Wayfair. Earn Rewards and more when you shop at Wayfair.
No annual fee. Applicable to both Wayfair Mastercard and Wayfair Credit Card. Refer to the Rewards section of disclosure number one. $

No annual fee1

No annual fee. Applicable to both Wayfair Mastercard and Wayfair Credit Card. Refer to the Rewards section of disclosure number one.

Earn Rewards and more when you shop at Wayfair. Earn Rewards and more when you shop at Wayfair.

Read Also: How To Cancel Chase Credit Card Online

Citi Custom Cash Card

  • 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
  • 1% Earn unlimited 1% cash back on all other purchases.
  • 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
  • 1% Earn unlimited 1% cash back on all other purchases.

More articles

Popular Articles