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  • Citibank Rewards Card

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  • The Citi Rewards credit card is meant for the people who frequently indulge in shopping and travelling and use their card for these transactions. This card also offers discounts at partner restaurants and the reward points accumulated have no expiry date. The Rewards card comes with an annual fee of Rs.1,000 which is waived off if your annual spends exceed Rs.30,000. There is no joining fee for this card and the interest rate is 3.25% per month.
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    Reduced to 0 If annual spends > 30,000 1000
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    Citi Rewards Card

    If you love shopping or traveling, Citi Rewards Credit Card is among the top rewards card to get. This card offers several reward options and schemes which will help you to spend less and earn more through points during shopping or traveling.

    Key Highlights of Citi Rewards Credit Card:

    • This card is ideal for people who wish to earn rewards on their travels or any shopping transaction.
    • You can earn up to 10X reward points on credit card purchases at departmental or any apparel store.

    Features and Benefits of Citi Rewards Credit Card:

    Annual Fee Waiver
    • The annual fee of Rs.1,000 is waived off if Rs.30,000 is spent in a year of membership.
    • For the 2nd and subsequent years, on a total expenditure of Rs.30,000 in a year, the annual fee of Rs.1,000 is waived.
    Welcome Rewards
    • On your first expenditure made within 30 days of the date of issue, 1500 points will be rewarded to you.
    • For your first spend of Rs.1,000 done within 60 days from the date of issue, 1000 points will be added to the card.
    Fuel Benefits
    • The points earned in the Citi Rewards Card can be instantly redeemed in any of the 1200 IndianOil petrol pumps in the country.
    • One reward point equals to INR 0.25 and the minimum points required to redeem it is 250.
    In-store and online shopping benefits
    • This credit card enables you to redeem the points for any kind of online purchase or transaction such as movie tickets, travel tickets or even any kind of mobile service.
    • The list for the partner websites of Citibank is available on the bank's website.
    Travel miles benefits
    • You as a cardholder can also redeem your frequent flier membership miles in Air India and Jet Airways. 1 reward point will be equal to 0.75 miles and the minimum points to redeem these points will be 100.
    • It is advisable to consult the bank before doing so for better clarity on the terms and policies.
    Cashback benefits
    • People who own a Citi Rewards credit card will be able to adjust their points to the outstanding statement of the card. 1 point in the credit card will equal to INR 0.35.
    • Minimum points to redeem will be 5000. It is strongly advised to get in contact with the customer care to understand the cashback benefits of the credit card in detail.
    Concierge services

    Avail the services of a personal concierge to take care of your party and dining arrangements, travel assistance, etc.

    Credit Limit on Your Citi Rewards Card

    The limit on your Citi Rewards Card is the maximum credit amount that you can avail with the card. The limit would be decided by Citibank after evaluating your income, your repayment capacity, and a few other factors. You would know the credit limit once you get the card.

    Latest Offers on Citi Rewards Credit Card

    Zomato discount: Enjoy cashback of 25% (up to Rs.250) on your orders on Zomato. Use the coupon code CITICRIC to avail the offer every Saturday and Sunday till 12 May 2019.

    Cashback on Amazon Echo Show: Get Rs.2,000 cashback on purchasing Amazon Echo Show by 30 April 2019.

    Bigbasket offer: Get 20% cashback on your purchases on Bigbasket. The validity of the offer is May 1 - May 5 and June 1 - June 5 and the promo code is CITIBB.

    Offer on Jet Airways: Enjoy 10% cashback on duty-free transactions on Jet in-flight. The minimum transaction is Rs.4,000, the maximum cashback that can be availed per transaction is Rs1500 and the offer is valid till May 10, 2019.

    Movie tickets offer: Book movie tickets on Paytm and get 2 tickets at the price of 1. This is offer is valid every Friday till 28 June 2019. To avail the offer, enter the promo code CITIFRIDAY.

    Reward benefits of Citi Rewards Credit Card

    • For every purchase of Rs.125, you earn 1 reward point.
    • If you spend Rs.30,000 or more in a month, you will earn 300 points.
    • You will earn 1,500 bonus points on the first purchase you make on the card within 30 days of card issuance.
    • 1,000 bonus points will be added to the card when you make the first purchase of Rs.1,000 within 60 days of card issuance.
    • For every transaction at apparel or departmental stores, you get 10X rewards points.

    Citi Rewards Credit Card Reward Points Redemption

    • You can redeem the accrued points at IndianOil outlets. For every reward point, you get Rs.0.25. The minimum points to be redeemed is 250.
    • You can also redeem the points for shopping at partner stores. For every reward point, you get Rs.0.30. The minimum points to be redeemed is 250.
    • If you want to redeem the points for online shopping, you get Rs.0.30 for every reward point. Here too, the minimum number of points should be Rs.250.
    • For redemption at online travel sites, you get Rs.0.25 for every reward point.
    • The redemption offer for air miles stands at 1 Reward Point = 0.75 miles. The minimum number of points required to redeem is 100.
    • To redeem for cashback, the redemption rate is 1 Reward Point = Rs.0.35. The minimum points necessary for redemption is 5,000.
    • You can also redeem the points instantly for gift vouchers from premium brands.
    • The redemption can be carried out in three steps - browsing the catalogue, choosing the desired option, and placing the order using your points.

    Fees and Charges associated with the Citi Rewards Card

    Fee Type Charges
    Joining Fee Would be informed by the bank at the time of sourcing the card
    Annual Fee Would be informed by the bank at the time of sourcing the card
    Cash Withdrawal fee 2.5% of the amount withdrawn or a minimum amount of Rs.500
    Late payment fee

    If the statement balance is

    Up to Rs.1,000 - NIL

    Above Rs.1,000 and up to Rs.5,000 - Rs.450

    Above Rs.5,000 and up to Rs.10,000 - Rs.700

    Above Rs.10,000 - Rs.950

    Over credit limit fee 2.5% on the amount which will be over the credit limit. The minimum will be Rs.500. (The amount will exclude charges, taxes and fees).
    Cheque return or bounce fee Rs.500 per returned cheque
    Statement request fee Rs.100 (Beyond 3 months)
    Railway ticket booking surcharge 1.8% of the transaction value
    Re-issue of the card Rs.100
    Cash payment fee Rs.250 per deposit
    Cash payment at ATMs Rs.100 per deposit

    Eligibility Criteria to Apply for Citi Rewards Credit Card

    In order to apply for a Citi Rewards Card, the eligibility criteria required to be met are as follows:

    • Your age should be in between 18 to 70 years.
    • You must be a resident of India.

    Documents required to apply for a Citi Rewards card:

    For salaried employees
    • Identity proof
    • Address proof
    • Latest two salary slips
    List of documents for address proof and ID proof
    • Passport
    • Driving License
    • Aadhaar Card
    • Voter's ID Card
    • Job Card issued by NREGA and signed by a State Government officer
    For self-employed individuals
    • Identity proof
    • Address proof
    • Latest ITR
    List of documents for address proof and ID proof
    • Passport
    • Driving License
    • Aadhaar Card
    • Voter's ID Card
    • Job Card issued by NREGA and signed by a State Government officer

    How to apply for the Citi Rewards Card online?

    You can apply for the Citi Rewards Card directly from the Citibank website.

    Or, you can also apply for the credit card on BankBazaar, from the same page you're currently on, to enjoy the exclusive partner offers and additional benefits.

    Follow the steps to apply now -
    • Navigate to the top of the page to find 'Check Eligibility' button.
    • Click on it and fill the required details to know your eligibility for the card.
    • If you're eligible, you will find an option to apply for the card.
    • Click on it, submit the required details and documents and press 'Submit'

    Once the documents are submitted successfully, you will receive an acknowledgement message carrying the application ID. You can use the same to track your application on BankBazaar in the later stage.

    FAQs for the Citi Rewards Card

    1. What all can I redeem by using Citi rewards credit card?
    2. Customers will be able to redeem their Citi rewards credit card points at all Indian Oil outlets for fuel, retail and online stores, for Air Miles with Jet Airways and Air India, cashback, as well as, gift vouchers.

    3. Am I entitled to dining privileges while using this card?
    4. Yes, all customers are entitled to dining privileges including a 15% discount at 2,000 partner restaurants with Citibank credit cards. You can check the list of partner restaurants in the Citibank website or you can contact the Citibank credit card customer care to know more.

    5. What are the concierge services provided?
    6. The personal concierge service of the credit card offers help with sending flowers, planning of parties, making various kinds of reservations, travel assistance, etc.

    7. How do I contact Citibank for any query regarding my credit card?
    8. To contact Citibank credit card customer care number, dial 1860 210 2484.

    9. Am I eligible to get bonus reward points upon acquiring a Citi Rewards Credit Card?
    10. Yes, you get 1,500 bonus points on the first-spend made within 30 days of card issue and 1,000 bonus points on your first Rs.1,000 spend made within 60 days of card issuance.

      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Citibank Rewards Card Reviews

    • Citibank Credit Card
      "Average Card"
      0.5 3.0/5 "Satisfactory"
      CITI bank was providing a good reward points previously on this card but its less hence I'm not using this card much. Till now i have not contacted the customer care and I have used the card for one financial year. It is rewards card but i cannot convert my purchase into cash. I'm getting some messages which is not useful for me because its mostly on food and travel.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 25, 2020
    • Citibank
      Citibank Credit Card
      "Average Card"
      0.5 4.0/5 "Great!"
      I want to try out CITI bank, so I just purchased the same. There is no much offers available on the card and its not beneficial hence I'm planning to close the card in few months. They charged me a yearly of Rs. 1000 and i didn't get any welcome benefits.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jan 25, 2020
    • Citibank Credit Card
      "Okay card"
      0.5 3.0/5 "Satisfactory"
      I have chosen CITI credit card to get a better limit and they have given me an existing limit on this card. It is a reward card, I have not done much usage. They provided limit of Rs. 65,000 is not sufficient. Depends on the usage, annual fee will be waived off. They didn't given me any kind of joining benefits or welcome bonus.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jan 24, 2020
    • Citibank Credit Card
      "Very Good Card"
      0.5 5.0/5 "Blown Away!"
      CITI bank is providing me a lots of offers so that i opted the CITI bank. In shopping, they are giving some discounts, movie ticket offers. I'm using the rewards card in that i get 1 reward point for every Rs. 100 i spent. I called the customer care service while activating the card and they were supportive. I have applied the EMI but there was no proper explanation of the charges and there is no option to check the same on their net banking.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jan 24, 2020
    • Citibank Credit Card
      "Best Card"
      0.5 5.0/5 "Blown Away!"
      Having the reward card from CITI bank. Main benefit of the card is reward points here 1 point is equal to 0.40 paise which i can use for paying my credit card bills. Apart from that i get 1+1 ticket free on bookmyshow, I'm getting discounts on paytm transaction. In some restaurants, they are providing some discounts on the bill. I have been using this card for almost 2 years.
      Was this review helpful? 1
      , kolkata
      Reviewed on Jan 22, 2020
    • Citibank Credit Card
      "Overall the service is good"
      0.5 5.0/5 "Blown Away!"
      I have credit card from CITI bank card which is one of the best card because they have provided me a good option to redeem the reward points. More importantly their service is too good. I am holding CITI bank rewards card. On weekends, if i do some purchase my points get multiplied to 10* rewards points. This is a life time free card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 21, 2020
    • Citibank Credit Card
      "Reasonable card"
      0.5 5.0/5 "Blown Away!"
      I applied for CITI reward credit card directly through bank and i am using this card more than 1.5 years. I get cashback and extra reward points on fuel. I use this card mostly for fuel. EMI conversion options are available, I am happy with the credit limit offered from bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 17, 2020
    • Citibank Credit Card
      "Best service"
      0.5 4.5/5 "Excellent!"
      I am using CITI rewards credit card from past 2 years, I have not faced any issue. I have a credit limit of 75K which is sufficient. Annual charge is Rs.500. I get reward points on all purchases, If I spend Rs.100 , I will get 3 reward points. I have also converted 10000 reward points into Rs.3,500 and fuel surcharges are waived off.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2020
    • Citibank Credit Card
      "Very Good Card"
      0.5 5.0/5 "Blown Away!"
      In CITI bank, i am having the rewards card and its very good for buying a petroleum products. There is no minimum limit for converting the purchase into EMI and their loan options are very good. There is no documents to be submitted to avail the loan. From almost 2 years, i am using this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 16, 2020
    • Citibank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I am having a rewards card from CITI bank and I'm getting lots of cashback offers. They are giving offers on flight tickets and movie tickets. More than 1 year, i hold this card and they gave me a limit of Rs. 80000. I make the payment through online banking. They are sending the statement on time via mail id.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 16, 2020
    • Citibank Credit Card
      "User Friendly "
      0.5 4.0/5 "Great!"
      I have Citi Bank credit card which was taken through Bank.I am having citi reward card which is having more reward points .I am not having any drawbacks so far on using this credit card .There was no special features on this credit card , I am getting fuel benefit on this credit card.
      Was this review helpful? 1
      , kolkata
      Reviewed on Jan 14, 2020
    • Citibank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I have CITI rewards credit card which am using for the past 2.5 years .This card is having reward points as well as getting cash back offers. I am satisfied with the credit limit and this card is very useful on all situations. This is a life time free card and also customer service was great.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jan 09, 2020
    • Citibank Credit Card
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have Citi Bank credit card which was taken through Bank. I am getting more rewards since it is a Rewards card .The credit limit was 70,000 and it is good to use so far.There was no difficulties faced so far on using . All the updates about this credit card was clearly explained by the agent.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 04, 2020
    • Citibank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Citi Bank rewards card which am using for the past 1.5 years .This card is having reward points as well as getting cash back offers. I am satisfied with the credit limit and this card is very useful on all situations .Now a days everyone is depending on credit card due to this reason it is becoming much popular.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 03, 2020
    • Citibank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have taken a Rewards credit card with CITI Bank on 2 months before, this was applied through other channel. I had received a card lesser than a week by 4-5 days. It is annual fee chargeable of 1000 rupees but there is option of waiver off if I spend 30K within a year. I use for general purpose. EMI conversion is applicable.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 28, 2019
    • Citibank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have Citi Bank credit card which was taken through Bank.I am using this credit card for the past 8 years .I have not faced any issues so far.This credit card is good to use and have discounts on shopping sometimes and also have movie ticket offers .I am satisfied with the service so far.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 26, 2019
    • Citibank Credit Card
      "Fine and realiable card"
      0.5 5.0/5 "Blown Away!"
      There is no particular reason for selecting the credit card from CITI bank. They have offered me a credit limit of Rs. 54000. There is no annual fee for the first year and from the second year, i need to pay the annual fee of Rs. 1000 and it also get waive off i use Rs. 30000 from this card annually. I didn't get any benefits from this card.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 24, 2019
    • Citibank Credit Card
      "NEVER USE CITI CREDIT CARD,worst than worst"
      0.5 0.5/5 "Unacceptable"
      I am having personal worst experience, they asked me to pay bill even 2 yrs back only i already asked them to closed my card . They will imposed bill on you and will ask you to pay.. the worst credit card provider.. i will never recommend this bank to anyone... And customer service is worst the guy Jatin was very rude .
      Was this review helpful? 0
      , pune
      Reviewed on Dec 23, 2019
    • Citibank Credit Card
      "NEVER USE CITI CREDIT CARD,worst than worst"
      0.5 0.5/5 "Unacceptable"
      I am having personal worst experience, they asked me to pay bill even 2 yrs back only i already asked them to closed my card . They will imposed bill on you and will ask you to pay.. the worst credit card provider.. i will never recommend this bank to anyone... And customer service is worst the guy Jatin was very rude .
      Was this review helpful? 0
      , pune
      Reviewed on Dec 23, 2019
    • Citibank Credit Card
      "Satisfactory and good service "
      0.5 5.0/5 "Blown Away!"
      I have taken a CITI reward credit card through online. Documentation was very simple executive collected the documents and i received this card within a week. The annual charges are applicable but there is an option of waiver off according to the annual spend 30k. Credit limit is good, actually i expected more but this is okay. Customer service was good.
      Was this review helpful? 1
      , pune
      Reviewed on Dec 20, 2019
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