Citibank is a relatively unpopular commercial bank. It offers credit cards with high limits, but the threshold is also relatively high, making it a bit difficult to apply. Citibank is a credit card controlled by a foreign country. The application conditions are relatively strict and the qualification requirements for customers are also very high. Generally, those who can successfully apply for a card at other banks are likely to be rejected at Citibank.

Citibank does not support online repayment or Alipay repayment from other banks, which are supported by other banks. The only repayment methods currently supported by Citibank are branch repayment and Lakala repayment, which to some extent makes repayment more difficult for cardholders.

However, Citibank’s credit card points are valid for life and can be transferred to others. The points can be directly deducted from consumption fees or annual fees of multiple merchants, and can be redeemed for more than 80 airline miles around the world.

Extended information:

Citibank credit card application conditions:

1. Age. Applicants are required to be over 18 years old. Of course, applicants must also have full civil capacity.

2. Work income. Have a legal and stable source of income. Generally, those with a monthly salary of more than RMB 7,000 before tax can apply for a Citi gift card, and those with a monthly salary before tax of more than RMB 10,000 can apply for a Citi gift card.

3. Place of residence. Because Citibank is a foreign-funded bank, not all cities have Citibank branches, so applicants are required to live in cities with Citibank branches. Citibank branches are currently established in Shanghai, Beijing, Guangzhou, Shenzhen, Chengdu, Tianjin, Hangzhou, Dalian, Chongqing, Xiamen, Guiyang, Nanjing, Changsha, Wuxi and other cities.

4. Credit. The applicant's credit record must be good, with no overdue or other bad card usage records.

The following are the credit card channels for Ping An Bank, China Merchants Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, China Minsheng Bank, China Everbright Bank, Citibank, and CITIC Bank. If you need it, you can apply by yourself!

Free online application for credit card