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If you have been lucky enough to snag a new credit card with Citi Bank, you are front in line to get Citi Credit. Here's all you need to know.

Got a New Citibank Credit Card? Here’s how you can Register for Citi Credit Card Netbanking

Citibank offers a wide range of credit cards meant to cater to the diversified needs of every customer – be it for shopping, lifestyle, travel, fuel, rewards, and much more. With a Citi credit card, you can avail lucrative discounts, cashback facilities, and even air miles at the click of a button. Of the wide range of credit cards offered by Citibank, many offer you insurance benefits and an exclusive rewards and points scheme. Thanks to Citibank’s engaging user interface, you can view your card details, make payments, and avail the best offers by logging on to the net banking portal in just a few easy steps. Citibank’s net banking facility is secure, easy to navigate, and offers you the facility of undertaking all banking transactions from the comfort of your office/home.

Netbanking Login

Once you have received your Citi credit card, you can avail the Net Banking facilities by:

  • Step 1:  Start by visiting the Citibank website at https://www.online.citibank.co.in/ 
  • Step 2: Next, from the ‘Account Information’ tab, click on Credit Card
  • Step 3:  Here, you will be asked to authenticate the information you have entered by way of an OTP
  • Step 4: Proceed by choosing a User ID of your choice
  • Step 5: You must then choose an IPIN (Internet Password) and an APIN (ATM PIN)
  • Step 6: After completing the steps mentioned above, you can use your User ID and IPIN to undertake the  Citi credit card login process.

If you already have undergone the Citi credit card login process, and wish to reset your IPIN and APIN, follow the steps mentioned below:

  • Step 1: Start by visiting the Citibank website, or the mobile application, and click on the ‘Forgot User ID or Password’ tab
  • Step 2: Next, choose your account type
  • Step 3: Authenticate the information entered by way of the OTP you will receive
  • Step 4: Proceed to then reset your IPIN and APIN

On the completion of the Netbanking login process, you can avail the full list of services and features offered by the Citi credit card, in a seamless and hassle-free manner.

Perks Offered

When you opt for a Citi credit card, you can enjoy the following perks:

  • You will have access to fund transfers across all major Indian banks
  • You can pay all your utility bills, as well as your insurance premiums, to over 100+ registered billers in India
  • You can enjoy AirMiles, as well as gain access to a number of airport lounges across the country 
  • When needed, you can update your registered contact details
  • You can check for pre-approved offers, when it comes to products across a wide range of categories
  • You can view and download statements via a few clicks
  • You can check your credit limit, as and when needed
  • You can enable and access CitiAlerts, to stay up-to-date on all aspects related to your Citi  credit card 

Eligibility

To be eligible to apply for a Citi credit card, you must necessarily meet the following criteria:

  • You must be between 18 and 70 years of age
  • You must possess a good, credible CIBIL score of 750 and above
  • You must have a good, fixed monthly income of at least above Rs. 25,000 per month
  • You must necessarily be a citizen of India

Documentation

To apply for a Citi credit card, you must keep the following documentation handy:

  • Proof of Identity: This can be in the form of your Passport, Voter ID card, Driving Licence, PAN Card, AADHAR card, or NREGA Job card.
  • Proof of Address: This can be in the form of your Passport, Voter ID card, Driving Licence, PAN Card, AADHAR card, or NREGA Job card.
  • Proof of Income: This can be in the form of your last two salary slips and your Income Tax Returns with audited financials.
  • A copy of your passport-sized photograph.
  • A copy of your signature on a consent form.

Fees and Charges 

Fees pertaining to Cash Withdrawal 2.5% of the amount drawn, subject to a minimum of Rs.500
Charges pertaining to Over Limit Transactions 2.5% of the amount overdrawn, subject to a minimum of Rs. 500
Charges pertaining to Late Payment If the statement balance is up to Rs. 2000 – NIL

If the statement balance is between Rs. 2000 and RS. 7500 – Rs. 600

If the statement balance is between Rs. 7500 and RS. 15000 – Rs. 950

If the statement balance is more than Rs. 15000 – Rs. 1300

ECS Return/Cheque Bounce Rs.500 per returned payment.

Conclusion

The Citi credit card is a must-have if you are looking to avail countless benefits on a single credit card. In addition to offering attractive cashback, offers, waivers, and discount vouchers, this card is versatile and can be used for shopping, travel, and all forms of purchases. With a seamless user interface that provides an engaging dashboard for all your needs, the Netbanking facility allows you to keep a track of all details pertaining to your card. Visit the Bajaj MARKETS website today and secure your Citi credit card now!

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