www.citicards.com:- Citi Bank has many different types of credit cards in its bag and you can find your choice of cards with ease. If you are looking for a credit card to pay off your debt, the Citi Diamond Preferred card may be a great option for you. The card offers a long period of 18 months on introductory APR offers on purchases and balance transfers and comes with zero annual fees. However, for the Citi Diamond Preferred card customer’s credit rating must fall in between the good to the excellent category for approval.
Apply for a Citi Diamond Preferred card
A Citi Diamond Preferred card can be applied either through the CitiBank website or by phone. For applying for the Citi Diamond Preferred card follow these simple step:
- Visit the Citibank Website and move to the credit card section.
- Choose the Citi Diamond Preferred card from the list and click on the apply now option.
- On the next page enter your name, Address, SSN, Date of Birth, contact number and country of citizenship with your email address.
- You will also have to provide your financial information like your Total Annual Income, Rent payment or monthly mortgage and other details.
- Then click on the “Agree & Submit” option.
You can also apply for a Citi Diamond Preferred card by using your phone and you can call 1-800-505-1675 and talk to a Citibank representative.
Activate Citibank Diamond Preferred card
Citibank provides various methods to activate the credit card and you can choose any of them. Activating Citibank Diamond Preferred card online is an easy and 3 step process in which first you have to verify your card details then configure your card and then confirm the card activation.
To activate your Diamond Preferred card online follow these simple steps:
- Visit the card activation website of Citibank i.e https://www.citicards.com/.
- Enter your credit card number and the security code which you will find on the backside of your card.
- Enter the last 4 digits of your SSN or employee ID and then click on Continue.
- Follow the instructions and activate your card.
You can also activate your Citibank Diamond Preferred card by logging into your Citibank account and using the card activation button from services or my profile menu.
By using Text Feature
You can also activate your Citibank Diamond Preferred card by SMS, all you have to do is send a text in the below-mentioned format to 6058.
ACT <space> <Last 4 Digits of your Credit Card Number>
You will receive a message shortly about your card activation.
If you are not comfortable with these methods you can also call the Citibank customer service number for activating your card. For activating by phone follow these,
- Call on Citibank’s toll-free customer service number i.e. 1860 210 2484.
- Follow the instructions of automated recorded voice and then enter your card details and verification details.
- Choose to agree with Citibank’s terms and conditions, your card will be activated.
Using Citibank App
You can also activate your Citibank Diamond Preferred card by using the Citibank banking app.
- First of all, go to your play store or app store and download the Citibank banking app.
- Log in your user id and password and activate the card from the profile section.
Benefits with Citibank Diamond Preferred card
Citibank offers a prolonged intro APR for 18 months on purchases and balance transfers at the rate of 0%. Other than this, the card also comes with a zero annual fee and much more. Let’s have a look at the features of the Citibank Diamond Preferred card.
- Intro APR: The Citibank Diamond Preferred Card offers a 0% intro APR on balance transfers and purchases for 18 months and after that, a variable APR will be applicable at the rate of 14.74%-24.74% depending upon your creditworthiness.
- Balance Transfer fee: The Citibank Diamond Preferred card charges $5 or 3% of the total amount whichever is greater when you transfer funds from your credit card.
- Flexibility on Payment: You can choose any date to pay your bills according to your comfortability as long as you are paying your debt in full or at least a minimum payment.
- Digital wallets: With Citibank Diamond Preferred cards you also enjoy the benefits of Digital wallets and can pay to millions of places online.
- Protection: With the Citibank Diamond Preferred card you get Citi Identity Theft Solutions which helps to resolve the identity theft problems of customers. Other than this Citibank Diamond Preferred card you get $0 liability on unauthorised charges.
Fees Of www.citicards.com
- APR on Cash Advances: 25.24% based upon the market prime rate.
- Penalty APR: Up to 29.99% decided upon your creditworthiness and you will pay the penalty in case you miss the payment or pay late or in case the payment is returned.
- Minimum interest: in case the interest is charged, the charge will be higher than 50 cents.
- Fees on Balance transfer: Either $5 or 3% whichever is greater on each transfer.
- Cash Advance fee: The cash advance fee is applicable at the rate of 5% or $10 whichever is greater.
- Foreign Transaction fee: The Citibank Diamond Preferred card charges 3% on each transaction made in U.S. dollars.
- Penalty on Late Payment and Returned payment: Up to $40.
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Q1. How can I get a new card if my previous card is lost/stolen?
Ans. If your card is lost or gets stolen you can apply for a new card after paying a reissue fee. For applying for a new card go to Citibank’s website and log in to your account then click on the “Credit card” tab and choose “Other Services and Queries” then click on the “Report lost/stolen card”. You can also call on the CitiBank helpline number and request a new card.
That’s all for today on the Citibank Diamond Preferred card, if you have any more questions related to it, feel free to ask us in the comment box. We will try our best to reply to your queries.