Citibank credit cards are great value financial products you can obtain without annual fees, without changing banks, and with great payment facilities. To enjoy the usability rights, it is necessary to pay the debts acquired by purchase through a small monthly percentage or full payment. The latter option is the most recommended because it will avoid interest rates.
Thanks to them, you can finance the purchase of products or services. You will also have instant cash through an electronic teller. Citibank credit cards also facilitate access to financing, which is why it has gained a positive reputation in the market.
How to apply for a Citibank credit card?
You don’t have to open a Citibank account to get a Citibank credit card. You don’t even have to move to another bank to get this financial benefit for free.
The only requirement is to apply online from Citibank’s official website. The next step after the application is to fill out a form with basic data required by the system.
But it is also indispensable to associate the credit card with any bank account. And once you have completed this procedure, you will have to return the signed documents previously sent by the bank via email.
The application will be approved if there are no setbacks and the bank gives the green light to operate through this benefit. After the Citibank credit card pre-approval, you will have at hand a useful tool to carry out any transaction in a fast, simple and safe way.
Types of credit cards you can obtain through Citibank
The different types of credit cards approved by Citibank have a defined minimum amount, establishing the user’s payment capacity. You can access this benefit if you are a salaried employee, self-employed, or pensioner. But before applying, knowing which types of cards, Citibank can provide you is essential.
1. Citi Gold Credit Card
Get your Citi Gold without having to open a Citibank account. This card will give you great discounts at major establishments in the United States and the rest of the world.
The application will be completely free, but you must enter the corresponding documentation to obtain the benefit. The Citi Gold from Citibank provides accident and travel insurance.
2. Citi Rewards Credit Card
This card allows you to earn rewards points when you make purchases with your credit card. Redeem your points through text messages and points of sale and electronic purchase establishments.
The most interesting thing is that points have no expiration date as long as the card remains active. Another benefit is that there is no annual fee.
3. Citi Simplicity Credit Card
This is one of the best-valued products in the market since it has no annuity. It also does not penalize users for late payments, which is good news.
It guarantees 0% APR on balance transfer for the first 21 months. But it also provides a 5% or $5 balance transfer rate. You’ll get whichever is higher.
4. Citi Premier Credit Card
This card is especially valued for guaranteeing up to 60,000 points once you’ve spent a total of $4,000. But for it to be truly effective, the purchase has to be made within the first three months.
Citibank’s Citi Premier will let you earn up to 3 points for every dollar you’ve used when filling up with gas or during travel. Another benefit is that it does not charge fees for transfers made outside the country.
5. Citi Double Cash Card
One thing to recognize about this Citibank credit card is the possibility of accumulating up to 2% cashback on purchases. But the best thing is that it does not require an annuity. Nor does it establish restrictions in any of the categories to accumulate cashback.
Like the Citi Premier card, it does not charge additional amounts for foreign transactions. In addition, the points earned do not expire as long as the account remains active.
6. Citi AAdvantage Credit Card
One of the most important benefits is the possibility of accumulating up to 65,000 miles just after using your card for a total of $4,000 during the first four months.
It also does not charge foreign transactions and will let you earn up to 2X miles, as long as you travel on American Airlines. Using your credit card on this airline will guarantee you a 25% discount on food and beverages.
7. Citi Secured Mastercard
These cards also offer an efficient service with no annuity, but the amount required to apply is $200. You will have to pay your debts on time for your credit history not to suffer any inconveniences.
How to make Citibank credit card payments?
There are ways to pay Citibank credit card bills online. And here’s how.
Use this platform as follows:
- Step 1: The first thing you need to do is to log in from your bank account.
- Step 2: You must click on the “Neft funds transfer” button.
- Step 3: Use the tab identified as “add beneficiaries from other bank accounts.”
- Step 4: You must include the beneficiary’s name, credit card number, bank name, account type (checking and savings), IFSC code, and bank address.
- Step 5: Make the respective payment once you have added the beneficiary’s information.
2. Electronic payment
It is important to comply with the following procedure to make electronic payments.
- Step 1: Start by logging into the Citibank payment portal.
- Step 2: The next step is to access the website by entering your username and password.
- Step 3: Now click on the button identified as “Electronic payment on the website.”
- Step 4: Enter the credit card number in the appropriate box, followed by the transaction number.
- Step 5: Choose the account from which the money will be sent.
- Step 6: Log in to the bank account.
- Step 7: You will have to authenticate the borrower’s personal information through this step.
- Step 8: It is time to confirm the payment.
Citibank has credit cards ideal for every need and requirement. Apply easily to any of them to get the best benefits from this bank, one of the most important global financial services Citigroup.