Citibank Choice Credit Card
CancelA free credit line and five free add-on cards. Citi printed no rewards programme on it at all.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Citibank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · why it ranks #884
Why #884 The one card in Citi India's own-brand range with no rewards programme printed on its page at all — a free credit line and five free add-ons, sold on family utility rather than earn. Carried because the absence is the fact, and a reader who held one deserves to be told it.
The take
Read this card's page next to the Gold's and the interesting thing is what is missing. The Gold, the Silver and the Platinum each carry a rewards section with a stated rate and a redemption route. The Choice carries none: no points, no catalogue, no conversion, nothing. What it sold instead was household plumbing — a credit line that cost nothing for life, five additional cards for the family thrown in free, the range-wide IndianOil fuel-surcharge waiver, and Citi's online bill-payment rails. For a family that wanted five pieces of plastic on one limit and never intended to chase a gift catalogue, that was a coherent product. For anyone reading this site it is the weakest card Citi India put its name on: there is no lounge, no co-brand, no travel accelerator, no forex concession and — uniquely in the range — nothing to earn. It is long withdrawn. If you are holding one, there is nothing to lose by closing it and nothing to gain by keeping it beyond the credit history on the line.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Citibank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Free for life in Citi's own printed words, with up to five additional cards for the family also free
- Fuel-surcharge waiver at IndianOil outlets, taking Citi's stated 2.5% surcharge to zero
- The plainest thing Citi India sold: a credit line and the bank's online bill-payment rails
Watch out
- WITHDRAWN — gone from Citi India's range before the Axis Bank handover, and not one of the nine products on Axis's Forward Together site
- NO REWARDS PROGRAMME AT ALL: unlike the Gold, Silver and Platinum, this card's page publishes no rate, no catalogue and no conversion — the absence is the issuer's, not ours
- No lounge access, no co-brand, no travel accelerator and no forex concession
- Five free add-ons on one credit line is a shared limit, not five limits — the whole family draws on the same number
What these points actually fly
Citibank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. The card was withdrawn from Citi India's range before the bank sold its Indian consumer business to Axis Bank, and citibank.co.in no longer resolves. It has no successor on Axis's Forward Together migration site.
Citibank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
7 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Apr 2021Citi announces exit from Indian consumer bankingCiti credit cards, retail and wealth in India → Consumer business up for sale (later to Axis)
Citi called time on its Indian consumer arm — including its cult PremierMiles and Rewards cards — citing a lack of scale. The portfolio would eventually pass to Axis, ending one of India's most-loved rewards ecosystems.
- 12 Oct 2019Citi India guts reward earning on utilities, insurance, and tax
- 1 Dec 2017Citi PremierMiles' 10X 'Extra' partner program dies for good
- 1 Apr 2016Citi Prestige strips Etihad Guest Gold and partner perks
- 1 Feb 2015Citi PremierMiles doubles the cost of transferring to airline partners
- 16 Jul 2012Citibank kills Jet Airways co-brand, pivots to PremierMiles
- 16 Jul 2012Citibank Retires 13-Year Jet Airways Co-Brand, Launches PremierMiles
Every Citibank change we've dated → 7 events since 2012, 4 of them nerfs — worst year 2019.
Verified against Citibank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 2 of them, each with the day we read it
- official Citibank India's own Choice Credit Card product page (archived 23-Nov-2012) — "This Card comes to you Free for Life. Also get 5 Additional Cards", and no rewards section
- official "Forward Together", Axis Bank's Citi-transition site — the closed nine-product set Citi India still had at the handover, which does not include this card