Citi Rewards Card

Citi Rewards Credit Card is a standard credit card offered by Citibank that is aimed at providing good deals and offers on customers' shopping experience. Customers can earn extra reward points faster and redeem them to enjoy attractive offers on travel, shopping, etc. Since these reward points do not expire they can be accumulated over time to redeem as Air Miles, cash back and to purchase merchandise.

Citi Rewards Credit Card Benefits

Citi Rewards Credit Card offers a host of benefits that are incomparable. These benefits include:

• Welcome reward points: Cardholders will get 1,500 bonus reward points on the first spend within 30 days of card issuance. Spending Rs.1,000 within first 60 days will bring 1,000 more reward points as part of the welcome gift. The offer is valid on all the Citi Reward Credit Cards booked on or before 31 March 2019.

• Accelerated reward points: While every Rs.125 spent on the card brings 1 reward point, purchases related to apparel and groceries and other items at departmental stores will bring 10 times more reward points for the same value. Maximum accelerated rewards are capped at 560 points or Rs.7,000 per month. If you spend more than the mentioned amount on apparels and groceries, all such purchases will bring only 1 reward point for every Rs.125.

• Monthly bonus reward points: By spending Rs.30,000 or more in a month, cardholders will get 300 reward points as a bonus.

• Various options to redeem reward points: Cardholders need to accumulate a minimum of 250 reward point for redemption.

The accrued reward points can be redeemed for fuel purchases at Indian Oil outlets (1 RP = Rs.0.25), retail shopping (1RP = Rs.0.30), online shopping (1RP = Rs.0.30), online travel bookings (1RP = Rs.0.25), Air miles on Air India and Jet Airways as Frequent Flyer membership miles (1RP = 0.75 miles), cashback (1RP = Rs.0.35), and gift vouchers (instant redemption). The minimum points required for Air Miles redemption is 100, whereas for cashback is Rs.5,000.

• Never expiring reward points: Unlike the reward points offered on most of the credit cards, the reward points program on Citi Rewards Credit Card offers the reward points that never expire. Cardholders can start redeeming the points once they reach the 250 mark or can simply leave them in their account to redeem for something big.

Citi Rewards Credit Card features

• Annual fee waiver: If the spends in a membership year (12 months from the date of card issuance) exceed or equal to Rs.30,000, cardholders become eligible for the annual fee waiver facility.

Eligible cardmembers will be exempted from paying the annual fee of Rs.1,000, which is typically charged at the end of the year. While most of the purchases made on the card are considered for calculating the total annual spends there are certain categories which do not qualify for the same. Those include loan EMIs, cash withdrawals, fees and charges and GST.

• Personal concierge services: Citi Rewards cardholders can get assistance for party planning, sending gifts or flowers, making dining reservations, for travel assistance and much through Citibank's personal concierge service. They simply need to call 1800-114-999 to get assistance from the Bank.

• Savings on dining bills: Cardholders can save up to 15% on dining spends at select restaurants in their city. The list of partner hotels and restaurants is available on Citibank's website.

• Easy EMI options at partner stores: Citibank has partnered with more than 2,000 consumer electronics stores, mobile phone stores, retail stores and e-commerce sites to provide the best EMI options for its credit card customers. Citi Rewards cardholders can convert the eligible purchases made at the stores into easy monthly instalments at the best rate of interest.

Fees And Charges Associated With Citi Rewards Credit Card

Citibank Rewards Card Eligibility and Documentation:

• Individuals who are at least 18 years old and an Indian resident is eligible to apply for Citibank Rewards card.
• PAN Card, Income slips, address proof, Identity proof will be asked as documentation.
• Do enquire with Citibank for the exact income criteria before proceeding with the application process.

How to apply for Citi Rewards Credit Card?

• Under the Credit Cards section in BankBazaar.com, select the required card and bank.
• Check the eligibility using BankBazaar's tool. Based on your requirement, a list of credit cards will be carefully curated.
• You can click on 'Apply' to instantly apply for the credit card.

FAQs On Citibank Rewards Card:

1. What all can I redeem by using Citi rewards credit card?

Customers can redeem their Citi rewards credit card points at Indian Oil outlets for fuel, retail and online stores, for Air Miles, cash back, and gift vouchers.

2. Am I entitled to dining privileges while using this card?

Yes, customers are entitled to dining privileges including a 15% discount at 2,000 select restaurants with Citibank credit cards.

3. What are the concierge services provided?

The personal concierge service offers help with party planning, sending flowers, making reservations for dining, providing travel assistance, etc.

4. When does my reward points expire?

Citi rewards credit card reward points do not expire and can be accumulated till the account is active.

5. Am I eligible to get bonus reward points upon acquiring a Citi Rewards Credit Card?

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.