Citi Quick Cash is Citi’s flagship product enabling simplicity and ease when availing loans. This does not require any documentation, facilitates near instant fund disbursal and has EMIs conveniently billed to your regular monthly credit card bills. This may be availed in just a few clicks via the Citi Mobile App or Citibank Online.

You can avail instant loan on your credit card, subject to a few conditions and eligibility as determined by the bank's policy.

Citi Quick Cash may be availed through our digital channels – Citi Mobile App or Citibank Online or by calling our CitiPhone team. Check the options below to learn more.

• Loan against the card limit: When you avail a loan against the card limit, your credit limit is blocked to the extent of your loan amount and will be released as and when you pay the EMI.
• Loan over and above the card limit: When you avail a loan over and above the card limit, your credit limit is not blocked.

To check your eligibility and apply for a loan:

• Login to Citi Mobile App/Citibank Online with your User ID and Internet Password (IPIN)
• Go to the “Loans and EMIs on Credit Card” tab (Citi Mobile App)/“Credit Card” tab (Citibank Online) and click on “Loan on Credit Card”
• Select the loan amount and tenure
• Validate OTP and submit

A customized link is also sent to you over email and SMS, which you can access to avail the loan by validating via OTP and APIN.

Click here for detailed Terms and Conditions.

The minimum loan amount is ₹ 2500 and the maximum loan amount is based on the offer on your Citi Credit Card.

You can book the loan for a period of 6, 12, 24, 36 or 48 months. The available tenures may vary depending on the loan amount.

The interest rate is card member specific and will be as communicated to you at the point of availing the loan. Eligible loan amount and interest rate will vary basis customer vintage, credit card performance and overall profile. You can log in to Citi Mobile App/Citibank Online to check the applicable interest rate on your pre-approved loan on credit card offer.

A one-time transaction fee of 2.5% of the loan amount or ₹300, whichever is higher, will also be charged for the Citi Quick Cash facility.

The loan amount will be credited instantly to your linked Citibank account or to any other bank where you hold an account, within 2 hours* of loan booking (*except on national banking holidays).

Citi Quick Cash offers you the convenience of having EMIs billed to your regular monthly credit card statement. All details of your loan once availed, are also displayed on Citi Mobile App/Citibank Online, making it easy for you to track the pending tenure, unbilled principal and to access, download and print your repayment schedule when you need it.

You can check your loan status on Citibank Online by following four simple steps:

Step1: Click on the Credit Card tab at the top of the navigation panel

Step 2: Click on the “View Active Loan details” tab

Step 3: Select the credit card for which you want to view the loan details

Step 4: View the loan report for your chosen credit card

Alternatively, you can also check your loan status on your Citibank Mobile App

Step 1: Login to your Citibank account on your Citibank Mobile App.

Step 2: Navigate through left panel by clicking on the menu button at the top left corner of the screen

Step 3: Click on “Loans and EMIs on Credit Card” > “View Active Loans and EMIs”

Step 4: View the loan report for your card

There is no lock in period and the loan may be pre-closed at any point of time. Any pre-closure of loan shall attract Prepayment charges at the rate of 3% on the unpaid principal together with relevant taxes. You can pre-close your loan by calling our 24*7 CitiPhone helpline (1860 210 2484).

No, billed initial interest amount and EMI payments shall not earn any reward points.

Goods and Services Tax (GST) as notified by the Government of India, is applicable on the interest component of the EMI, all fees and other charges and is subject to change as per relevant regulations of the Government of India.