Citi rejecting me from the grave

[pxg]

Applied for Ikea Family card offline (as far as I know, it's the only way to get a Citi card as a NTB customer now) and got rejected. Later in the message I found out that their age requirement was 23. What a wasted enquiry (showed up as Axis).

If anyone knows a way to have them reconsider then let me know. Was planning for a few purchases from Ikea.

 

[Random123]

Sorry don't have this card but aware of it
According to citi tnc https://www.ikea.com/in/en/files/pdf/a0/75/a075e9a7/card-member-terms-and-conditions.pdf linked from https://www.ikea.com/in/en/customer-service/finance-options-pub7f042530, minimum age is 21 but could be changed at later point of time
28.12 While issuance of a Citibank Credit Card is at the sole discretion of Citibank and is
subject to its internal credit criteria; the minimum gross monthly income required for
applying for credit card product is ₹20000 and minimum age of 21 years. The Card
Applicant should bear in mind that that these minimum criteria may vary for segments of
customers and Card products in question. These terms/criteria are determined at the sole
discretion of the Bank and maybe revised from time to time

Maybe it got changed since axis is handling citi services, you can try reaching out to citi cc mentioning this and asking if it is changed.

https://www.online.citibank.co.in/portal/pdf/CitiBank-Grievance-Redressal-Policy.pdf

Citibank Customer Service - One Stop Customer Services Solutions from Citibank | Citibank India

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www.online.citibank.co.in

On side note, it is good since LTF but the reward rate is 3X (3 points per 100) and redemption is 0.2p (5 points to 1 Rs). So overall comes to 0.6% in ikea purchase itself right ? Any other reason for applying this card ?

Hope you get satisfactory resolution.

 

[pxg]

Sorry don't have this card but aware of it
According to citi tnc https://www.ikea.com/in/en/files/pdf/a0/75/a075e9a7/card-member-terms-and-conditions.pdf linked from https://www.ikea.com/in/en/customer-service/finance-options-pub7f042530, minimum age is 21 but could be changed at later point of time
28.12 While issuance of a Citibank Credit Card is at the sole discretion of Citibank and is
subject to its internal credit criteria; the minimum gross monthly income required for
applying for credit card product is ₹20000 and minimum age of 21 years. The Card
Applicant should bear in mind that that these minimum criteria may vary for segments of
customers and Card products in question. These terms/criteria are determined at the sole
discretion of the Bank and maybe revised from time to time

Maybe it got changed since axis is handling citi services, you can try reaching out to citi cc mentioning this and asking if it is changed.

https://www.online.citibank.co.in/portal/pdf/CitiBank-Grievance-Redressal-Policy.pdf

Citibank Customer Service - One Stop Customer Services Solutions from Citibank | Citibank India

Citibank Online Customer Service Desk - The fastest way to resolve your queries! Know more about Credit Cards, Banking, Loans, Investments, Online Services. Download Application Forms and also choose DND service.

www.online.citibank.co.in

On side note, it is good since LTF but the reward rate is 3X (3 points per 100) and redemption is 0.2p (5 points to 1 Rs). So overall comes to 0.6% in ikea purchase itself right ? Any other reason for applying this card ?

Hope you get satisfactory resolution.

Check Citibank Credit Card Eligibility Criteria | Card Insider

Learn Citibank Credit Card Eligibility Criteria on Card Insider. Age, income, document requirements & more. Check your eligibility and Apply Today!

cardinsider.com

I know this site's info is not always accurate but seems like it is right this time. I already have 2 Axis cards so it's being rejected from Citi side.

I actually didn't check the reward rate clearly, usually their welcome offer is worth it, not sure if they are still running a welcome offer.

 

[Random123]

Check Citibank Credit Card Eligibility Criteria | Card Insider

Learn Citibank Credit Card Eligibility Criteria on Card Insider. Age, income, document requirements & more. Check your eligibility and Apply Today!

cardinsider.com

I know this site's info is not always accurate but seems like it is right this time. I already have 2 Axis cards so it's being rejected from Citi side.

I actually didn't check the reward rate clearly, usually their welcome offer is worth it, not sure if they are still running a welcome offer.

Oh ok, but axis generally allows max 3 card per person by default right ?

Also https://www.ikea.com/in/en/files/pdf/1e/a0/1ea0aaa9/h2-activation-offer.pdf shows offer was until Dec 31, 2022 but again might not be up to date 🙂