Can I have two credit cards from the same bank?
Madhavi Prasad
Asked 12 May 2026
11
I already have a Citibank credit card. Can I apply for another card from the same bank? Will it affect my credit score?
2 Answers
Accepted
11
Mahesh Pai·22 Mar 2026
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
11
Nilesh Deshpande·13 May 2026
Yes the rewards sound amazing in marketing, but the redemption catalogue is full of products at inflated MRP. The statement credit redemption is almost always the best value. Skip the merchandise, skip the flight bookings, take the cash.
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