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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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    1st Year Fee
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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
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I use Citi REWARDS Credit card and its been 3 to 5years. The credit limit is sufficient for me. They are not charging me annual fee. I am getting cash back and reward points for each and every transactions. EMI conversion is simple and also charges are fine.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 11, 2019
    • Citibank
      Citibank Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      I am using Citi REWARDS Credit card for more than 1.5years. I am satisfied with the credit limit which they have provided to me. They are charging me annual fee of Rs.500 or Rs.2000 which I don't recollect. I am using the card for general purpose and did not receive any benefits right till now. They have to improve Citi mobile app when compared to other bank credit card app.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 09, 2019
    • Citibank Credit Card
      "Not useful card"
      0.5 3.0/5 "Satisfactory"
      In the CITI bank, i am using the rewards card but i don't get any rewards on this card. They are not sending any notification on a regular basis. I am using the card for more than 1.5 years. I didn't faced any issue. Overall, its an average card to use. I am not getting any error when i swipe the card in POS machines.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 09, 2019
    • Citibank Credit Card
      "Super Card"
      0.5 5.0/5 "Blown Away!"
      I am having a rewards card from CITI bank. I get a rewards points which i can use it restaurants. I am holding the credit card from CITI bank for more than 1 year and they have not increased the limit. I need to improve the credit limit from Rs. 50000. There is no annual fee.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 03, 2019
    • Citibank Credit Card
      "Beneficiary card"
      0.5 4.0/5 "Great!"
      I think, the other bankers are offering little bit lesser rate of interest than Citi Bank. I got a Reward credit card which was good and the reward system is fine for buying grocery, etc. 4points =1rupees which means 0.25p for each point. The annual fee will be waived off for the spend above 30K.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 01, 2019
    • Citibank Credit Card
      "Better"
      0.5 5.0/5 "Blown Away!"
      I am having a Citi Rewards card but am not using the card frequently. The annual fee is applicable but depending on the utilization, it will be waived off. The support is also very good from the representative. Its been 4years and the credit limit is good.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Sep 28, 2019
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Citi Bank, customer service and response was very good. I did not get any late fee till now and its been one month. The credit limit was very fine and am satisfied. They are charging annual fee but it can be waived off, if I spend 30K per year. I got a REWARDS CARD.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 26, 2019
    • Citibank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have not used Citi Bank credit card but the services are good while processing the application. I got Citi Rewards card through online channel because its giving me cash back offer. The limit is good and they have told me its chargeable card but it will be waived off, if I use 30K per annum.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 26, 2019
    • Citibank Credit Card
      "Good discount in online shopping"
      0.5 5.0/5 "Blown Away!"
      I have been using the CITI bank from last 1 month. I am holding the rewards card hence i get a benefits of rewards points. As a joining benefits, they gave me a rewards points of 25000. If i do the transaction of 30000 in a year, there is no yearly charges. There is a lots of offers on online shopping for the CITI bank hence i bought this loan.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 25, 2019
    • Citibank Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      For me, Citi Bank credit card is good. The rate of interest is nominal. I hold a IndianOil Platinum and Rewards credit card. The annual fee is zero for both the cards. I am satisfied with the credit limit on the cards. And they are increasing the limit based on my transactions also providing loans without blocking the credit limit which was really helpful.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 16, 2019
    • Citibank Credit Card
      "Best"
      0.5 5.0/5 "Blown Away!"
      I have taken a Citi Rewards credit card through online channel. They have offered me this card based upon my eligibility. There is no annual fee for my card. I am okay with the credit limit. I am using the card for less than a month and did not check any benefits as of now. The documentation process was good and its doorstep.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 16, 2019
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have received my CITI REWARDS CARD from Citi Bank. They have given very low credit limit. I was expecting at least five lakhs. It is a lifetime free credit card. I have started using the card and I am getting reward points and cashback offers.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Sep 16, 2019
    • Citibank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I had taken for a rewards platinum credit card with CITI bank on 4 years before. My credit limit is given for sufficient amount to use it. It is an annual fee chargeable card. For an EMI option charges are high of 24% for this card when compare to other bank.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 16, 2019
    • Citibank Credit Card
      "Good card for all spends"
      0.5 4.0/5 "Great!"
      From CITI bank I got reward card, best part I could convert the rewards points into cash and if I use this credit card at Indian oil petroleum they give cash back. This card has life time free benefits, they already gave me sufficient limit hence its fine for me.
      Was this review helpful? 3
      , pune
      Reviewed on Sep 13, 2019
    • Citibank Credit Card
      "Nice Card"
      0.5 4.0/5 "Great!"
      CITI bank card is a nice credit card to use. I am holding the CITI rewards card hence for buying groceries, i get 10% off on super markets. I haven't faced any issue in this 6 months and their customer care service is quite good. Its easy to make a bill payment.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 12, 2019
    • Citibank Credit Card
      "Service is Good"
      0.5 4.0/5 "Great!"
      No specific reason for holding the credit card from CITI bank and its a rewards card. I have received the credit card as per the promised time. It took 1 week to collect the documents from the bank side. As of now I'm satisfied with the credit limit provided by them. They are giving some joining perks based on the first spent.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2019
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have received my CITI REWARDS CARD from Citi Bank that I applied online. I am satisfied with the credit limit. I had received the card on time. Annual fee is chargeable but if I spend Rs. 30 thousand a year annual fee will be waived off. There is offers and reward points.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 11, 2019
    • Citibank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I had applied CITI REWARDS CARD online. I have received the card on time. My credit limit is only Rs. 64 thousand, I was expecting more than Rs 90 thousand. Annual fee is chargeable however if I spend more than 30 thousand a year it will be waived off.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 11, 2019
    • Citibank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am using Citi Rewards credit card for last 3 years. They have issued me a credit limit of 50K. I have purchased lap top and bike tyre through this card and they have converted the payments into EMI. The interest rate is nominal. They have approached me for instant loan.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 11, 2019
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had applied CITI REWARDS CARD onlne and I received the card on time. The features of the card are very good. Annual fee is Rs. 599 but it will be waived off if I spend more than 30 thousand a year. I am not getting reward points. I am ok with the credit limit.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 11, 2019
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