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.
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.
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
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
Am I entitled to dining privileges while using this card?
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.
What are the concierge services provided?
The personal concierge service of the credit card offers help with sending flowers, planning of parties, making various kinds of reservations, travel assistance, etc.
How do I contact Citibank for any query regarding my credit card?
To contact Citibank credit card customer care number, dial 1860 210 2484.
Am I eligible to get bonus reward points upon acquiring a Citi Rewards Credit Card?
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.
I am using CITI Bank Reward card for more than 7-8 years. This is a life time free card and the credit limit was sufficient, this card has reward benefits. I can convert this rewards into cash back, mostly using for shopping, travel , fuel and more.
My colleague told me that EMI facility is easy to avail in CITI bank credit card thats the reason i have bought this card. I didn't generate the pin number yet. I have just done few online transaction till now. I am satisfied with the credit limit provided to me. They don't send any offer messages till now. One more thing is their interest rates are on higher side when i compared to others which needs to be decreased.
When i analyze about the credit card, reward point system is better and the there is no annual fee so i bought the CITI bank rewards credit card. When i do my first purchase 1000 bonus point will be received as a welcome gift which i have not received. Provided credit limit is satisfied for me. Process was quite smooth.
I have taken a CITI Bank reward credit card through online. Documentation was very simple, executive collected and i received it with in 7 days. Credit limit is fine and the annual charges depends on how much i spend so it comes as a free card. I am mostly using this card for fuel purpose.
My resident city Rajahmundry-533101, Andhra Pradesh, is not listed in Citibank online credit card application form thus I am deprived of this facility. More than a dozen banks operate in my city. Request Citibank to please look into this matter.
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PILLALAMARRI SATYANARAYANA
, rajahmundry
Reviewed on Mar 03, 2020
I am using CITI Bank Reward credit card for the past 2.5 years. I got this card along with my salary account. This is a life time free card , customer service and response was good. I am using this card for all purpose and i am getting movie ticket only on friday.
I feel CITI bank credit card is better than any other credit card. Their reward point system is better. Not a particular reason for choosing the credit card from CITI bank. They have provided me a credit limit of Rs. 60000 and There is no annual fee for the first year and from the second year, i need to pay the annual if I'm not using the card for Rs. 30000.
I have been using CITI bank credit card from past 1 month. I don't have any specific reason for choosing this CITI bank because my friend used to say like accessibility of using the card is good. They have promised me that i get limit of 2* of my salary but it was not that much. There is an annual fee and it get waived off if i use the card for Rs. 35000 in a year.
CITI bank credit card is acceptable in all the places thats the main reason for choosing the card. I have chosen the cashback credit card but i have not done a single transaction from this card. I'm satisfied with the credit limit provided by this card. Bill statement is clear to understand. I'm quite satisfied with the card and services.
Everything is available online and the only lacking point is they are not providing airport lounge access. I'm having a rewards card in this i get a lots of benefits. I have been holding this card for last 3 months. It gets waived off since i am having a salary account with them. From reward card, they will waive off the petrol sur charges waiver.
In the year of 2018, I have purchased the rewards card from CITI because banker approached me to apply for card. There is no such kind of benefits like the Indian oil card but its okay card to use. My credit card limit of Rs. 60,000. They are sending offer messages on a regular basis which i have used also like Insta cash loan on card. They will rectify issues on time in CITI bank customer care.
I am using CITI Rewards card which was taken through bank.There are more reward points and using this credit card for more than 2 years .The credit limit was good and satisfied with the service.The fuel benefits are pretty god on this card , can redeem reward points and easy to use this credit card .I am satisfied with the service .
2 years ago, i have started using CITI rewards card. This is my first credit card and i got the good awareness about the credit card. I haven't faced any issue till now. They are keep on sending me a offer notifications. Whenever i need its easy to spoke with the call centre people and the response was fine.
I am using a CITI bank credit card and there is no benefits on the card but their interest rates are very high. They are charging me a annual fee of Rs. 1000. Currently I'm having a credit limit of Rs. 74000. Late fee charges are depends on the out standing amount. I'm holding a rewards card and i get a reward points based on my usage but its very difficult to encash the points. Here 1 reward point is equal to 0.25 paise.
I have purchased CITI bank rewards card in that I'm getting a benefits of reward points based on my purchase. Offered credit limit is pretty much good and this is a zero annual fee credit card. I haven't received any kind of joining benefits or welcome benefits. They have sent the card as per their promised time.
Holding a rewards card from CITI bank and i didn't get any benefits from this card till now even though i have been using the card for last 6 months. I have applied the card through online and they have mentioned that they will provide some e-voucher but i haven't received anything. I have got the card in 15 days.
There is no particular reason for selecting the credit card from CITI bank. I'm holding the rewards card and i did not receive any benefits from this card. They gave me a very low limit when i compared with other banks. There is no annual fee if i use the card for Rs. 30000 otherwise i need to pay the fee of Rs. 1000 +Tax. I got my card on time. I have not yet contacted the customer care service.
CITI bank is good card to use. I'm using a CITI rewards card and i get 4* reward points when i use it restaurants. Almost 5 years, i have been using this card. I have heard that i can convert my reward points into cash but i have not tried it. Its very easy to make the bill payment. The provided credit limit is pretty decent.
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.
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VEERABHADRA RAO
, hyderabad
Reviewed on Jan 25, 2020
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.
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