Citibank credit cards: none you can apply for
No Citibank card is on offer to a person today. For people who already hold one, the strongest is Hutch Citibank Credit Card: ₹18,000 a year after fees at ₹75,000 a month.
₹18,000a year after fees, for existing holders
Closed to new applicants. If you hold it, this is what it is worth to keep.
Points and where they go
Citibank's main points currency is Citibank Reward Points, worth ₹0.70 a point; it does not transfer to an airline or hotel. Its cards earn 9 kinds of points in all.
| Programme | Worth a point | Cards | Partners |
|---|---|---|---|
| Citibank Reward Points | ₹0.70 | 12 | none |
| InterMiles | ₹0.20 | 4 | none |
| Avios (BA / Qatar / Finnair)every way to earn them | ₹1.00 | 1 | none |
| Citibank Cash Reward Points | ₹1.00 | 1 | none |
| Citibank Hutch Talk Points | ₹1.00 | 1 | none |
| Citibank IndianOil Turbo Points | ₹1.00 | 1 | none |
| Citibank Maruti Auto Points | ₹1.00 | 1 | none |
| Diners Club Rewards Points (Citibank India) | ₹0.67 | 1 | none |
Values are what we think a point is worth in India.
Every Citibank transfer partner 8 routes
| Transfer to | Ratio | One point becomes | Time |
|---|---|---|---|
| Club Iberia Plus (Avios)Avios (BA / Qatar / Finnair) is itself a programme: a move between programmes | 1:1 | ₹1.00 | instant |
| Qatar Airways Privilege Club (Avios)Avios (BA / Qatar / Finnair) is itself a programme: a move between programmes | 1:1 | ₹1.00 | instant |
| Finnair Plus (Avios)Avios (BA / Qatar / Finnair) is itself a programme: a move between programmes | 1:1 | ₹1.00 | instant |
| Aer Lingus AerClub (Avios)Avios (BA / Qatar / Finnair) is itself a programme: a move between programmes | 1:1 | ₹1.00 | instant |
| Vueling Club (Avios)Avios (BA / Qatar / Finnair) is itself a programme: a move between programmes | 1:1 | ₹1.00 | instant |
| Loganair Loyalty (Avios)Avios (BA / Qatar / Finnair) is itself a programme: a move between programmes | 1:1 | ₹1.00 | instant |
| ALL - Accor Live LimitlessAvios (BA / Qatar / Finnair) is itself a programme: a move between programmes | 7:2 | ₹0.61 | not published |
| Marriott BonvoyAvios (BA / Qatar / Finnair) is itself a programme: a move between programmes | 2:1 | ₹0.25 | within 8 weeks |
Ratios read Avios (BA / Qatar / Finnair) : the partner's points. One point becomes = what it is worth once it lands, at our value for the partner.
Compare every route, including longer ones through other programmes
Recent changes
- Citi announces exit from Indian consumer banking Changed · Partner change · Citibank
- Citi India guts reward earning on utilities, insurance, and tax Worse for you · Devaluation · Citibank India
- Citi PremierMiles' 10X 'Extra' partner program dies for good Worse for you · Devaluation · Citibank
- Citi Prestige strips Etihad Guest Gold and partner perks Worse for you · Devaluation · Citibank
- Citi PremierMiles doubles the cost of transferring to airline partners Worse for you · Devaluation · Citibank
- Citibank kills Jet Airways co-brand, pivots to PremierMiles Worse for you · Devaluation · Citibank
All 39 Citibank cards
Fees run ₹0 to ₹3,000, and 19 of them are genuinely free for life. We cannot value 17 of them: Citibank publishes no fee or no earn table for those cards, so they are listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 19 keep, 3 downgrade, 17 cancel.
Closed or paused 39
-
-
Maruti Suzuki AutoCard
₹9,000 a year, after fees
₹0 fee · Reward rate 1%–6%
Ranked higher: its bonus category adds ₹1,400 a year
-
Citi Titanium Cash Rewards Credit Card
₹4,000 a year, after fees
₹0 joining + ₹500/yr · Reward rate 0.5%–2.5%
Ranked higher: its bonus category adds ₹4,500 a year
-
First Citizen Citibank Platinum Credit Card
₹4,500 a year, after fees
₹1,500 fee · Reward rate 0.7%–4%
Ranked higher: its bonus category adds ₹1,800 a year
-
Citibank Platinum Credit Card
₹4,000 a year, after fees
₹1,000 fee · Reward rate 0.6%–2.8%
Ranked higher: its bonus category adds ₹1,600 a year
-
-
-
31 more closed or paused by value
-
Citibank Rewards Domestic Credit Card
₹5,000 a year, after fees
₹1,000 fee · Reward rate 0.6%–5.6%
Ranked higher: its bonus category adds ₹4,500 a year
-
Diners Club International British Airways
₹19,500 a year, after fees
₹0 joining + ₹3,000/yr · Reward rate 2.5%
-
Taj Epicure Diners Club
₹4,000 a year, after fees
₹2,000 fee · Reward rate 0.7%–10%
Ranked higher: its bonus category adds ₹3,400 a year
-
-
-
Jet Airways Citibank Platinum
₹4,700 a year, after fees
₹2,000 joining + ₹2,500/yr · Reward rate 0.8%
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
Royal Sundaram Citibank Gold Credit Card
Not valued fee or rewards not published
Fee not published · Reward rate 0.6%–2.8%
-
-
-
-
-
Citibank in RBI's figures
- Cards in force
- 2,81,242
- 0.2% of India's cards
- Spent in August 2026
- ₹590 crore
- 80% of it online
- Spend per card
- ₹20,968
- a month, on average
Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures
Sources
The Citibank documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.