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 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.
The Citi Diamond Preferred mainly uses Experian to check your credit when you apply, though Citibank may use TransUnion or Equifax instead, according to anecdotal evidence. So, if any of your credit reports are frozen, you should unfreeze them before applying for 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.
A credit score of 670 or greater is recommended when applying for the Citi® Diamond Preferred® Card, but scores in the excellent credit tier of 740 or higher have the best shot. Credit score requirements aren't hard and fast.
Based on FICO® Score 8 model.
That said, preapprovals aren't a guarantee that your application will be approved. Still, preapprovals may be the best way to avoid the double whammy of a rejection and a credit score hit. Here's what you need to know about Citi's pre-qualification online tool and other ways of getting a Citi card preapproval.
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.
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.
You won't know your actual credit limit until you're approved for a Citibank credit card. The limit you get depends on your credit standing, income, and debt. However, you can always request a credit limit increase after you've made several months of on-time payments.
You might get instantly approved for the Citi Diamond Preferred card, especially if you applied online. But if the issuer needs to verify some of the information you submitted, it can take up to 7-10 business days to receive a decision.
Undoubtedly, the most high-profile payment card in the world is often considered the American Express Centurion Card, commonly known as the “Amex Black Card.” However, true exclusivity goes beyond mere recognition; it embodies a luxury and distinction that few can access.
Closing a credit card can hurt your credit, especially if it's a card you've had for years. An account closure can cause a temporary hit to your credit by increasing your credit utilization, lowering your average age of accounts and possibly limiting your credit mix.
The Citi Secured Mastercard is the easiest Citi credit card to get because it's the only Citi card that will accept applicants with limited credit (less than 3 years of credit history). The Citi Secured card requires a $200 refundable security deposit, but it has a $0 annual fee.
Bottom line. The Citi Simplicity® Card is an excellent option for anyone who wants to transfer a credit card balance and save on interest. However, it normally requires a good to excellent credit score (670+), so only those with healthy credit profiles are likely to be approved.
Because the lender may need more financial information, you still have to apply to get approved for the credit card offer. Even after credit card pre-approval, your application might be denied.
ICICI Bank introduces a state-of-the-art process to generate a Credit Card instantly, for pre-approved customers. You are minutes away from availing exclusive privileges and offers on fuel, dining, shopping, and much more.
Apply with a good to excellent credit score (a 670–850 FICO score or a 661–850 VantageScore) for your best chance to qualify for a Citi Diamond Preferred card. Apply with a good to excellent credit score (a 670–850 FICO score or a 661–850 VantageScore) for your best chance to qualify for a Citi Diamond Preferred card.
Those scores fall into credit score ranges that generally determine whether your score is excellent (720-850), good (690-719), fair (630-689) or poor (300-629). Typically, people with scores in the good or excellent range have more access to better financial products.