Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Citi 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 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
    Rewards
    Joining Perks
    Reduced to 0 If annual spends > 30,000 1000
    Response Time : Within 30 minutes
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    Key Highlights of the Citi Rewards Credit Card:

    • This card is ideal for the 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.
    • The annual renewal fee of Rs.1,000 is waived off if you spend up to Rs.30,000 in the first year itself.

    Reward benefits of the Citi Rewards Credit Card:

    • On every purchase of Rs.125, you earn 1 point.
    • If you spend Rs.30,000 or more in a month, you will earn 300 points.
    • You will earn 1500 bonus points on the first purchase you make on the card within 30 days of card issue.
    • 1000 bonus points will be added to the card when you make the first purchase of Rs.1,000 within 60 days of card issue.
  • Savings up to 15% can be made at restaurants which have partnered with the credit card.
  • The application and the approval process for this credit card on BankBazaar is completely paperless.
  • Features and Benefits of the Citi Rewards Credit Card:

    Rewards Program:

    • On every purchase you make at an apparel or departmental store, you can earn 10 times the reward points.
    • 1 reward point is added on every purchase of Rs.125.
    • For a total purchase up to Rs.30,000 or more in a month, 300 points will be rewarded.

    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.

    Fees and Charges associated with the Citi Rewards Card

    Credit Card Fee Type Charges
    Joining Fee Nil
    Annual Fee Rs.1,000 (This amount is waived if the annual expenditure exceeds Rs.30,000)
    Interest rate 3.25% per month
    Supplementary card fee Nil
    Cash Withdrawal fee 2.5% for a domestic withdrawal for a minimum amount of Rs.500
    Rewards Redemption fee Nil
    Late payment fee Rs.300 for a current balance less than Rs.10,001 Rs.600 for a current balance between Rs.10,001 up to Rs.25,000 Rs.950 for a current balance above Rs.25,000
    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 required to apply for a Citi Rewards credit card:

    In order to apply for a Citi Rewards Card, these are eligibility criteria which are required to be met:

    • The cardholder’s age should be in between 18 to 70 years.
    • The person applying for a Citi Rewards credit card should be a resident of India.

    Documents required to apply for a Citi Rewards card:

    • Passport size photograph of the applicant which should be in colour.
    • PAN card and/or Form 60.
    • Proof of income of the applicant such as the latest salary slips, Form 16, IT returns, etc.
    • Credit card application form.
    • Address proof which will include a copy of the Passport, Ration Card, electricity bill, Aadhaar, etc.
    • Identity proof which can be PAN card, driving license, Aadhaar Card, etc.

    When the above-mentioned documents and details are submitted, you will receive a message of acknowledgement which will include the application ID. This application ID will help you track the process of your credit card application.

    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, 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, al 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. When does my reward points expire?
    8. Citi rewards credit card reward points are not subjected to any expiration date and will be accumulated until the account is active.

    9. Am I eligible to get bonus reward points upon acquiring a Citi Rewards Credit Card?
    10. 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
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using Citi Rewards credit card for last one year. The best thing is the rate of interest is very low and also easy to convert EMI. They have given me a good credit limit of 1.12L. I can convert EMI for long term of 4 years. Am very much happy with this bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2019
    • Citibank Credit Card
      "Good rewards card"
      0.5 4.0/5 "Great!"
      From the rewards points i get from CITI rewards card, i use the redeemed points for booking movie tickets in bookmyshow and can able to book the flight tickets makemytrip website. I get a more rewards points for each and every purchase. I never had any trouble from this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2019
    • Citibank Credit Card
      "Good Features and services"
      0.5 4.0/5 "Great!"
      I hold a variant of CITI rewards card in CITI bank. More than 6 years I'm using this card. Basically the rewards structure is good. If i spend Rs. 125 spent, i will get 1 rewards points and if they have a tie up their partner if i get 10* rewards points for every RS. 125 i spent hence i use the card for groceries purchase.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 23, 2019
    • Citibank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using the CITI Rewards Card for the last couple of years, i am happy with the services provided by them. The reward point system with this card is really good and i am utilizing it by shopping and by other purchases. There is no annual charges with this card as well.
      Was this review helpful? 1
      , chennai
      Reviewed on May 22, 2019
    • Citibank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I was applied for citi bank credit card they have provide credit limit of 50k .i was started using credit card 3 month ago and customer service and based on transaction i got offer cash back and customer service is good. i will recommended to my friends.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 20, 2019
    • Citibank Credit Card
      "Good rewards card"
      0.5 5.0/5 "Blown Away!"
      I havenâ??t had any issues with them so far. More than 5 years, i have been using this card. There are very good rewards points system available into cash. I convert into cash for paying the outstanding bill and for online shopping purpose. Iâ??m satisfied with the credit limit provided by them which is Rs. 1 lakhs because time to time they have enhanced my limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 20, 2019
    • Citibank Credit Card
      "Overall its average card"
      0.5 4.0/5 "Great!"
      Since its a good bank, i have selected the CITI bank credit card. The given credit limit is too less when i compared to other credit cards. Earlier i had a CITI bank card and the limit was more but now they have reduced the same. My friend has recommended me about this card. If i spend Rs. 30000, the fee will get waived off otherwise i need to pay the annual fee of Rs. 500.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 20, 2019
    • Citibank Credit Card
      "Good Service"
      0.5 4.5/5 "Excellent!"
      I have applied for Citi Bank Credit card through online .I have not faced any issues and the credit limit was good ,I have received the credit card on time without delay ,chargeable card,Citi reward card ,voucher amount variation was there got the information that will receive Rs.1000 voucher but got Rs.500 voucher.The agent gave all the information about the card.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 18, 2019
    • Citibank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I got a rewards card for every purchase. When i purchase the card, they have given me some welcome gift as some rewards points since i'm using this card for last 1.5 years and there is a fee of Rs. 299 and if i make a purchase of Rs. 30000 in a year they have never charge me the annual fee.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 17, 2019
    • Citibank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have direclty applied with the bank for this Citi Bank credit card ,The credit limit was less ,This is a citi reward card.the agent gave all the information about the credit card and have received the credit card on time as well .There are cash back offers and reward points as well and so far no best features on this credit card .
      Was this review helpful? 0
      , kolkata
      Reviewed on May 17, 2019
    • Citibank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had selected the CITI REWARDS CARD since it is an International Bank which is good to go with. The process in getting the card has been good and they had delivered the card on the promised time. I am satisfied with the credit limit with this card and there is some annual charges with this card i suppose. The features & benefits with this card was mentioned in the welcome kit.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 17, 2019
    • Citibank Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I had selected the CITI REWARDS CARD since the card is having so many good benefits, the process in getting this card has been fast and the card delivery happened on time. I am happy with the credit limit with this card and there is an annual charges of 1000 with this card which will get waved off if i am using 30,000 or more annually with this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 16, 2019
    • Citibank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using the CITI REWARDS CARD for the last three years, the services of them had been pretty much good. It is a life time free card and it has some good offers, the reward points can be converted into cash. But the credit limit with the card has been a little less and i am using the card for all purposes.
      Was this review helpful? 0
      , noida
      Reviewed on May 16, 2019
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Citi Bank card is taken recently but there was no joining fee. I have taken a Rewards card and used it. I have no issues with the billing cycle so far. I got the reward points of 2500 for making 2 transactions of Rs.25000. The conversion of points are okay. The card was dispatched on time.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 15, 2019
    • Citibank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I hae Citi Bank Credit Card and I am using it for the past 10years ,I have got Citi Bank reward cards,I have got this credit card since bank offered this card ,The credit limit was good ,There are cashback offers and reward points are theer,so far no issues faced on using this card ,I have received the credit card on time without delay,I have submitted the documents as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 13, 2019
    • Citibank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have applied for Citi bank credit card through Online ,The credit limit was less have expected more ,received the card on time ,the agent gave all information about the card there are cash back offers and reward points,This card is very easy to use ,hassle free process,submitting documents not faced any issues.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 13, 2019
    • Citibank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have not received more offers from CITI BANK. I got REWARDS CARD and am using it for almost 5years. The credit limit is average which they need to increase my limit. Its a life time free credit card. I have done EMI conversion and the charges are more. The drawback is they will not waive off the late payment charges due to the network issues for a day also. I availed the reward points on purchasing movie tickets.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 12, 2019
    • Citibank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      It has been a couple of years since i am using the CITI REWARDS CARD and i am quite satisfied with the card services. The credit limit with the card is quite okay and there hasn't been much benefits other than the reward points which i gets. It does not have any annual charges and i use the card for all my spends.
      Was this review helpful? 0
      , pune
      Reviewed on May 11, 2019
    • Citibank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      Citi has given me a top loan on the credit card and they did it immediately. I hold a Rewards card for around 2 years and limit should be little better. The charges are higher interest which they need to reduce. There is no annual fee for the card, it will get waived off according to the maximum transactions.
      Was this review helpful? 0
      , chennai
      Reviewed on May 10, 2019
    • Citibank Credit Card
      "Better"
      0.5 5.0/5 "Blown Away!"
      Citi Bank is excellent but when ever I do the card payments, its not getting reflect immediately it takes 2 to 3 days where other banks are getting updated. I have been using Rewards card for 2months. The annual charges are applicable but it will be waived off on higher transactions.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 10, 2019
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