It's true that Citibank does offer several lifetime free credit cards, but each bank or financial institution have their own rules for issuing a card. Under eligibility conditions for each credit card, we provide as much details as available from the issuing institution. In case of Citibank, we specified that the institution must be contacted for the eligibility conditions. Having a a/c with them is one of the conditions for issuance of a credit card by Citibank and there could be other conditions also. Hope this helps in your search for a credit card and answers your question.

-ram