Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Citibank Rewards Card

    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 joining fee or annual fee for the Citibank Rewards Card is communicated by Citibank at the time of sourcing.
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    Card
    1st Year Fee
    Rewards
    Joining Perks
    PA PL OTP
    Reduced to 0 If annual spends > 30,000 1000
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    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 shopping transactions.
    • You can earn up to 10X reward points on credit card purchases at departmental or any apparel store.
    • For all other purchases, earn up to 1 reward point on spending every Rs.125.
    • Earn 300 bonus reward points on spending Rs.30,000 or more in a month.
    • No expiry tenure for the reward points.
    • Reward points can be redeemed at any point in time.
    • Save up to 20% through Dining Privileges offered at all Citibank partner restaurants.

    Features and Benefits of Citi Rewards Credit Card:

    Welcome Rewards

    • Earn 1,500 reward points on the first transaction made on the Citibank Rewards Credit Card – Transaction to be made within the first 30 days from the date of issuance of the card.
    • Earn 1,000 bonus reward points on spending Rs.1,000 on the Citibank Rewards Credit Card within the first 60 days of issuance of the card.

    Fuel Benefits

    • The points earned in the Citi Rewards Card can be instantly redeemed through SMS at any of the IndianOil petrol pumps across the country.
    • One reward point equals to INR 0.25 and the minimum points required to redeem it is 1,000.

    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.

    Air miles benefits

    • You can also redeem your Frequent Flyer and Air India membership miles using the reward points. 1 reward point will be equal to 0.75 miles and the minimum points to redeem these points will be 100.

    Cashback benefits

    • With your Citi Rewards credit card, you will be able to adjust your points to the outstanding statement of the card as well. 1 point in the credit card will equal to INR 0.35.
    • Minimum points to redeem will be 10,000. It is strongly advised to get in contact with the customer care to understand the cashback benefits of the credit card in detail.

    Gift Voucher benefits

    • You can use your reward points for instant redemption of gift vouchers against premium brands listed in the Citibank website.

    Concierge services

    Avail the services of a personal concierge to take care of your party and dining arrangements, travel assistance, etc. All you would be required to do is call the following number – 1800 114 999.

    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.

    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

    For more details follow this link - Citi Credit Card Detailed T&Cs

    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. Am I entitled to dining privileges while using this card?
    2. Yes, all customers are entitled to dining privileges 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.

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

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

    7. Am I eligible to get bonus reward points upon acquiring a Citi Rewards Credit Card?
    8. 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.

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