Yes, the credit cards are having many benefits whether if you see the instant emergency for fund or any purchases you would like to make credit cards are instant fund raising plastic card for you.Now advantages of credit cards are as :-
provides you instant fund, while making purchases you can also earn reward points, sometimes with reward points you can also waive you fee.Disadvantages depends upon you :- as you make more purchases, if you do not pay its monthly instalments then you end up paying more penalty for this.
You can apply for credit card easily through online mode.Now if talk about Citibank credit cards wide in range and excellent service they are providing, they are chosen basically for amazing cash backs and rewards they provide.So, made good choice.