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Pick a card that matches how you actually spend.
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Explore cards from India's leading banks.
Free to apply via CardGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
10x points on select categories (e.g., dining, travel, shopping), 1x on other spends
Points are earned on eligible domestic and international transactions. 1 point = ₹0.15 typical redemption value. Specific multipliers vary by merchant category and current Citi promotions.
The privileges that come bundled in, beyond the reward points.
Unlimited lounge access (domestic and international)
10x reward points on select categories
Fuel surcharge waiver
Dining offers and discounts
Concierge services
Travel insurance
An honest read on where this card earns its keep — and where it doesn't.
Premium lounge access
High reward multipliers on select categories
Comprehensive travel insurance
Concierge services
High annual fee (₹15,000)
Strict eligibility criteria
Reward points may have caps
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with the issuer before you apply.
The credit profile this card is typically approved for.
Note: this is a guideline, not a hard cut-off. Existing customers of the issuer are often approved on slightly lower scores.
Everything you need to know about Citi Infinite Credit Card fees, reward conversion, lounge access, and application eligibility.
The joining fee for Citi Infinite Credit Card is nominal, and the annual renewal fee is ₹15000 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.
To qualify for Citi Infinite Credit Card from the issuing bank, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.
Citi Infinite Credit Card is designed to reward everyday spends. It currently features: "Welcome offer varies by segment; typically includes bonus reward points or lounge access upon activation (as published on Citi India product page).". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via the issuing bank's rewards portal.
Yes, Citi Infinite Credit Card offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.
You can apply for Citi Infinite Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.
