Citibank India, or Citi India, is a subsidiary organisation of the US-based multinational financial conglomerate Citigroup.
Citi India has been operational since 1902 and was one of the first banks in India to offer modern financial solutions, including ATMs, credit cards, internet banking and more. A few years ago, Citibank announced that it would be exiting the retail banking business in 13 countries, including India. In March 2023, Citibank’s Indian consumer business was acquired by Axis Bank, but the plan to serving its existing account holders was assured during this acquisition.
Here we have listed the five best Citibank Credit Cards of 2025, offering benefits across multiple categories, each tailored to distinct spending styles.
05 Best Citibank Credit Cards in India
1) Citibank Prestige Credit Card –
The most premium and expensive credit card offered by Citibank in its portfolio is the Prestige card. This lifestyle card is primarily popular as a travel credit card targeted at high net-worth frequent fliers as the reward redemption rate is the highest on transferring the reward points to partner airlines’ AirMiles programs.
Joining Fee: INR 20,000 + GST
Renewal Fee: INR 20,000 + GST
- 2,500 bonus reward points and a benefit worth INR 10,000 from ITC or Taj Hotels.
- 1 Reward Point is equivalent to 04 AirMiles.
- Unlimited complimentary airport lounge access worldwide through the Priority Pass, a complimentary extra night at any hotel around the world.
- Up to 50% off on movie ticket bookings on BookMyShow.
- 4 complimentary rounds and lessons of golf annually at over 15 golf destinations in India.
2) Citibank PremierMiles Credit Card –
The PremierMiles Credit Card is one of the best offerings in the credit card market of India in the travel category. It is a reward points-based card, wherein you earn reward points as AirMiles. Although these can be redeemed for multiple purposes, you get more value on redemption against flight/hotel bookings with partner airlines/hotel chains.
Joining Fee: INR 3000 + GST
Renewal Fee: INR 3000 + GST
- This card can be issued on a complimentary basis for Citi Gold account holders.
- Earn up to 10,000 Miles on the spends of INR 1000 or more in the first 2 months of card issuance.
- Get up to 20% discount on dining bills at partner restaurants.
- Receive 6 domestic lounge access per quarter with the MasterCard variant and 8 domestic lounge access per quarter with the Visa Signature variant.
3) Indian Oil Citi Credit Card –
Indian Oil Citi Credit Card, launched by CitiBank, is a co-branded fuel card offering great benefits including a strong reward rate in collaboration with Indian Oil. The Turbo Points earned on Citibank Indian Oil Credit Card are redeemable against fuel and several other categories, including shopping, gift vouchers, AirMiles, cashback etc.
With an annual fee of INR 1000, the card can earn up to 71 liters of free fuel in a year. The card rewards you in the form of Turbo Points.
Joining Fee: INR 1000 + GST
Renewal Fee: INR 1000 + GST
- Get 250 Turbo Points on card activation as a welcome benefit.
- Receive up to a 20% discount on dining across several participating restaurants.
- Reward system – 1 Turbo Point for every INR 150 spent, 2 Turbo Points for every INR 150 spent at supermarkets, and 4 Turbo Points on every time you spend INR 150 on fuel.
4) Citi Rewards Credit Card –
The Citi Rewards Credit Card aims at delivering its cardholders with lucrative reward offers across several categories.
Joining Fee: INR 1000 + GST
Renewal Fee: INR 1000 + GST
- Receive up to 2500 Reward Points on card activation as a welcome benefit.
- Receive 1 Reward Point per INR 125 spent and 10x Reward Points or purchases made on apparel & departmental stores.
- One can also receive bonus Reward Points every month by spending Rs. 30,000 or more in a month.
- A discount of up to 20% on dining at partnered restaurants.
- The Reward Points are redeemable against Air Miles, product catalogue, or cash back whenever you want with a rate of 1 RP = up to 30 paise.
5) First Citizen Citi Credit Card –
The First Citizen Citi Credit Card comes with exciting offers on shopping, travel, and several other categories. Being one of the basic Citibank credit cards, it comes with an annual fee of just Rs. 500 and provides great welcome benefits. Spend based annual fee waiver is also provided, according to which you get your annual fee waived off on spending over Rs. 30,000 in the previous year.
Joining Fee: INR 500 + GST
Renewal Fee: INR 500 + GST
- Receive 3 Shoppers Stop vouchers worth Rs. 500 each, and 500 First Citizen Reward Points on your first transaction.
- Get up to a 20% discount on dining at various participating restaurants.
- The First Citizen points earned will be automatically transferred to the Shoppers stop, and you can redeem the points available at Shoppers Stop instantly.
- Get up to 15% discount and cashback on flights through MakeMyTrip, booking.com, and many more.
Citibank, which was earlier the most significant foreign player in the Indian credit card space, now operates a total of 6 credit cards in its portfolio in India. In case you are planning to apply for a Citibank credit card, you may go through the features and benefits of the cards along with a detailed review and choose as per the spending habit.
However, it is best to remember that only existing Citibank can apply for a Citibank Credit Card.
FAQs on Citibank Credit Cards in India
1) Which Citibank credit card is the best?
Citibank offers credit cards in all spends categories. No single credit card can be termed as the best for everyone. You must decide which credit card suits your financial needs and spending habits the best.
2) How to apply for a Citibank credit card?
To apply for a new credit card, you must have an account with Citibank. Visit the page on Online Banking, Mortgages, Personal Loans, Investing | Citi.com and explore the options to choose your preferred card.