After years of being unsure about the tool’s financial viability, Indians finally started embracing credit cards as an alternative to cash.

Credit card users in India has hit an all-time high as indicated by a Reserve Bank of India survey which claimed that a record 29.8 million credit cards were issued by March 31, 2017.

The figure is higher than the last record created in 2008 when over 28 million credit cards were issued during the same period.

The trend has been bolstered by the government’s crackdown on black money with demonetization or the rapid surge in digital payments systems, use of plastic money and e-wallets.

To give due credit to these institutions, banks have contributed a lot to the trend. From easy terms of securing a credit card to incentives like cash backs and rewards, banks like Citibank have made it really easy for any account-holder to get a credit card.

About the bank

Part of the much larger parent company Citibank Group, Citibank India was established in Kolkata in 1902. The bank has over the year expanded across states and currently is one of the biggest investors in the country’s financial market. The financial major was one of the first banks to bet big on Indian software industry with its verticals, Citigroup Overseas Software Ltd (CGSL) and Iflex. While Iflex was later acquired by Oracle, CGSL was acquired by Tata Consultancy Services.

Types of credit card

Citibank offers its clients three different types of credit cards, depending on their varying needs. These are as follows:

How to track online

The bank allows its client to track their credit card application online. When one applied for a credit card, they have to fill an application form.

One can track the application in the following  two ways:

Via application number

An applicant first has to visit https://asia.citi.com/india/InstantApplication/CheckUserStatus.aspx?eOfferCode=INCCCCTLNACCAS and enter the application reference number and the registered mobile number to find out about the status of their application.

Via SMS

In this method, one has to text the code CCSTAT <11 digit application reference number> to 52484 from his or her registered mobile number.

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