Is the Citi Diamond Preferred Card hard to get? Yes, it is hard to get the Citi® Diamond Preferred® Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Citi Diamond Preferred.
Here's the average credit limit of members who matched their Citi® Diamond Preferred® Card or similar cards. The average credit limit for members who have matched with this card or similar cards is $8,395, with $3,000 being the most common.
The most difficult Citi card to get is the Costco Anywhere Visa® Card by Citi, since it's their only consumer card that requires excellent credit to qualify. You also need to join Costco if you're not already a member and earn enough income to afford monthly payments on the card.
Citi® Secured Mastercard® is an option for customers with little or no credit history and can help you build your credit when used responsibly. Unlike a debit card, Citi® Secured Mastercard® is a real credit card that helps build your credit history with monthly reporting to all 3 major credit bureaus.
Based on FICO® Score 8 model.
If you are planning to apply for Citibank credit cards, make sure that you are at least 21 years old and have a minimum monthly salary of AED 5,000 or more. You must also ensure that you possess a good credit score.
Citi Strata Premier℠ Card
If you'd like to learn more about how we rank our cards, explore our ranking methodology here.
Most Citi credit cards need at least a fair credit score for approval, although there are choices for a wider range of credit scores. Citi does not limit how many of its credit cards you can have, but it does limit the number of cards you can apply for (and be approved) within a specific period of time.
Citi will also serve you better if you're looking for a big bank with higher rates. Chase, however, may be a better option for you if branch accessibility and a great mobile app are a priority. If you're not impressed by either of these banks, consider our list on the top banks based on ATM fees.
Terms may apply to offers listed on this page. The Citi® Diamond Preferred® Card is ideal for those with a good to excellent credit. With its lengthy 0% introductory APR period for balance transfers and no annual fee, it offers a solid option for responsible borrowers.
If you're just starting out, a good credit limit for your first card might be around $1,000. If you have built up a solid credit history, a steady income and a good credit score, your credit limit may increase to $5,000 or $10,000 or more — plenty of credit to ensure you can purchase big ticket items.
The Citi® Diamond Preferred® Card* is a no-annual-fee credit card that includes an exceptionally long intro APR offer on balance transfers, making it one of the top balance transfer credit cards on the market.
The credit limit on a Citi Diamond Preferred card is $500 or more, with some cardholders reporting $10,000+ starting credit limits. Citibank will determine your specific credit limit based on factors such as your credit history, annual income, and any debt you owe.
The Citi Diamond Preferred Card is not a suitable choice for cash back or rewards hunters. It won't help you get into a fancy airport lounge or provide you with cellphone coverage.
With a Citi credit card, like the Citi® Diamond Preferred® Card, Citi Premier® Card, or Citi® Double Cash Card, your minimum payment is equal to the full amount if your balance is under $41. If your balance is higher, you'll pay the greater of $41 or 1% of your balance plus interest and late fees.
2️⃣ 65-Day Rule: You can't get more than two Citi cards within 65 days. Stick to these limits to avoid rejection!
Citibank may give high credit limits to people with good-to-excellent credit, a lot of income, and relatively little debt, but it does not have any cards that guarantee a $5,000+ credit limit. The highest minimum credit limit on a Citibank credit card is $2,000 on the Citi Strata Premier℠ Card.
This Citi prequalification tool performs a “soft inquiry” on your credit report. This won't negatively affect your credit. However, if you move forward with applying for a new card, your credit report will be hit with a “hard inquiry” that may cause your credit score to temporarily drop.
What credit card do millionaires use? Many millionaires use the American Express Centurion Card, J.P. Morgan Reserve Card, the Insignia Jewellery Card, and other high-end, invitation-only cards that provide extensive travel perks and personalised services.
Owning more than two or three credit cards can become unmanageable for many people. However, your credit needs and financial situation are unique, so there's no hard and fast rule about how many credit cards are too many. The important thing is to make sure that you use your credit cards responsibly.
Credit requirements: Most Citi credit cards require a good to excellent credit score of 700 to 750+ for approval, but there are options for people with lower scores as well. Perhaps the most popular option, Citi Double Cash, is available to people with fair credit or better.
How much does a Citigroup C13 make? As of Jan 6, 2025, the average annual pay for a Citigroup C13 in the United States is $61,822 a year. Just in case you need a simple salary calculator, that works out to be approximately $29.72 an hour. This is the equivalent of $1,188/week or $5,151/month.
Salary accounts come with a zero minimum balance requirement.