Citibank CCs - Suggestion Needed

Ami_07 wrote:
I called the CITI customer care to discontinue my rewards cc as it's of no use and unnecessarily i need to use it for 30k to reverse the annual fees.

They kept on requesting not to close the card, rather gave a 1000rs token amount but refused to make the card LTF. 

Even I asked for LTF or credit limit increase, they simply denied, I said that it's really shameful to even hold a CC having limit less than 1 lac now but they kept saying we don't have control over it etc etc.

You got a good deal though, use the voucher and enjoy.

Also, got to know that Citibank CCs work in a different way. Most CCs are billed in the first statement cycle of next annual cycle and that spend is reversed when you meet waiver milestone spends but in case of Citi, for the accumulated spend in previous annual cycle, you're entitled for fee waiver in the next annual cycle.

sahil1033 wrote:
Even I asked for LTF or credit limit increase, they simply denied, I said that it's really shameful to even hold a CC having limit less than 1 lac now but they kept saying we don't have control over it etc etc.

You got a good deal though, use the voucher and enjoy.

Also, got to know that Citibank CCs work in a different way. Most CCs are billed in the first statement cycle of next annual cycle and that spend is reversed when you meet waiver milestone spends but in case of Citi, for the accumulated spend in previous annual cycle, you're entitled for fee waiver in the next annual cycle.

Almost same words were told to me also, but i was adamant enough to get some(atleast) benefit out of the call and eventually it goes in my way.

Even I have limit of only 65k, requested to increase it long back but it didn't happen.

Citi card are not that good with offers but in a year one or two gud offer may come to justify there ( oppurtunity cost) 

sahil1033 wrote:
You added money to Paytm wallet via Swiggy and got 3% cashback on Citi Paytm CC ??

Yes, make sure that it says Paytm payments on OTP page. It keeps changing every time. So u will need to try 2-3 times.

Knight11 wrote:

Yes, make sure that it says Paytm payments on OTP page. It keeps changing every time. So u will need to try 2-3 times.

Yes, I tried yesterday, was getting Paytm Wallet as merchant everytime.

Out of curiosity, if I get Paytm as merchant, then I can get 5% using SBI Cashback CC, right?

sahil1033 wrote:
Yes, I tried yesterday, was getting Paytm Wallet as merchant everytime.

Out of curiosity, if I get Paytm as merchant, then I can get 5% using SBI Cashback CC, right?

No, sbi has 1% for utility and 0% for wallet. So, it will be either of them.

sahil1033 wrote:
Yes, I tried yesterday, was getting Paytm Wallet as merchant everytime.

Out of curiosity, if I get Paytm as merchant, then I can get 5% using SBI Cashback CC, right?

+🔥

Somehow missed ur tag. Even I dont know whether to go for Citi Rewards or let it go. What have you eventually done?

pingpong wrote:

+🔥

Somehow missed ur tag. Even I dont know whether to go for Citi Rewards or let it go. What have you eventually done?

I discontinued Paytm Citi CC which will stop working after 31st January, 2023.

For now, holding Citi Rewards and see what card Axis offers in exchange for it. Since it's the only Mastercard I hold and the fee waiver criteria is low, there's no harm in keeping it.