what is the best way to get LTF Citi credit card?

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Deal Cadet
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I already hold five credit cards from five different Bank. I wanted to get a Citi card to save on Ola. But surprisingly twice my application has been rejected. Once I even got a referral from a fellow dimer (@sandybagadia).I want to know if there is any hidden trick or some sorts to get a Citi credit card. My CIBIL score is 780. 

PS-also standard chartered will also do if citi is hard to get.

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10 Dimers
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suspended
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What is ola offer on citi card?

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Deal Cadet
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I don’t think Citi offers LTF cards. But the spend threshold for fee waiver is low so it’s not a big deal.

I have the rewards card with an annual fee of 1000 Rs but is waived off on 30000 Rs spends in previous year.

There can be many reasons the application might be rejected and many of these have nothing to do with your cibil score of financial capability, such as address verification, their limited serviceability in your city etc.
Try to call them or send an email and ask for the exact reason why your application was denied. If you do not get a clear response then tweet them on twitter.

However, another thing to add, if you application is rejected now, make sure you only apply min after 6 month from rejection date otherwise you risk rejection again.

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Deal Newbie
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initially i was mad for getting citi card because of bank offers in e-commerce and spin and win games offered at forum mall in Bangalore 6 years ago. i applied literally 10times for citi rewards card as my first card and believe me rejected all 10 times. i later taken hdfc creditcard through my salary account. when i swiched my job applied citi card again. this time immediately approved and got it. but i dont see any much offers and reward rate is just 0.20% if u redeem as cash credit to statement. probabilly they will reject if you don’t have any other previous cards. now again they rejecte after 6 years for paytm first card. 

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Deal Subedar
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I learnt recently, Citi will not issue cc if you have more than two cc issued by different banks.

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Deal Subedar
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You can get SCB card via card to card provide you have not applied for other bank cards in the near past. While city is a different game. The now considered 5 cards as too many card or your DTI ratio is not to their liking.

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Deal Cadet
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Not true… I hold cards issued by 4 different banks. And I applied for citi rewards card recently. Had no issues and card was delivered within 15 days.

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Deal Cadet
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AnnamalaiNryaa wrote:

You can get SCB card via card to card provide you have not applied for other bank cards in the near past. While city is a different game. The now considered 5 cards as too many card or your DTI ratio is not to their liking.

Please elaborate

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Deal Cadet
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Too many cards. Ideally Citi should be your 1st or 2nd card account.
Citi think you already have too many options in comparison to the income aka spending power.

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Deal Subedar
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I referred a couple of my friends as part of Citibank’s referral scheme and both of them got their cards(and I got referral earnings) easily.
Let me know if you need a referral.

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Deal Subedar
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AnnamalaiNryaa wrote:

You can get SCB card via card to card provide you have not applied for other bank cards in the near past. While city is a different game. The now considered 5 cards as too many card or your DTI ratio is not to their liking.

Any referral for SCB card?

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