How to close a Citibank credit card permanently?
Aarav Chahal
Asked 1 Mar 2026
I want to close my Citibank credit card to reduce the number of cards on my CIBIL report. What is the correct procedure and how long does it take?
2 Answers
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.
Don't blindly apply based on YouTube recommendations. Pull your latest CIBIL score first — most premium cards need 760+. If your score is in the 700-750 range, start with a lifetime free card and upgrade after 12-18 months of clean history.
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