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

    Owning a Citibank Rewards Domestic Credit Card comes with a host of features and benefits. Citibank lets you discover new avenues to save, win fabulous offers and accrue rewards points. Enjoy excellent rewards redemption options with various travel benefits, merchandise, gifts, cashback and air miles on your Citibank Rewards Domestic Credit Card. 
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    Key Highlights of the Citibank Rewards Domestic Credit Card

    • Accelerated reward points of 10X on shopping at departmental stores and apparel stores.
    • Earn 1 reward points for every Rs.125/- spent using your Citibank Rewards Domestic Credit Card.
    • Redeem your accrued rewards points at over 700 merchant outlets and online shopping partners.
    • Annual fee waiver on spending Rs.30,000 or more on your credit card.

    Features and Benefits of a Citibank Rewards Domestic Credit Card

    Welcome Benefits

    • With this card, get 1,500 reward points on your first spend made with the card.
    • As a welcome offer, Citibank offers you 1,000 bonus points on your first spend of Rs.1,000 with your Citibank Rewards Domestic Credit Card.
    • This offer is applicable when you make the purchase within 60 days of card issue.

    Reward Point Benefits

    • Earn 10 reward points for every Rs.125 that you spend at departmental and apparel outlets in India. Other spends earn you 1 reward point for every Rs.125 spent.
    • Rewards points never expire, and customers can redeem accrued points for any item of their choice, be it air miles, vouchers or gifts.
    • Get 300 bonus reward points on card purchases of over Rs.30,000 in a month.
    • Earn 4X additional reward points on spends on Amazon, Flipkart and Myntra. The offer is valid until 15 August 2021.
    • Redeem your points for cashbacks adjusting that with your outstanding credit card statements.
    • Accumulated rewards points can also be redeemed instantly for gift vouchers at top retail brands from the online catalogue.

    Annual Fee Benefits

    • Spend Rs.30,000 on your Citibank Rewards Domestic Credit Card and enjoy a complete annual fee waiver. For transaction amounts lesser than Rs.30,000, Citibank charges an annual fee of Rs 1,000.

    Dining and Concierge Privileges:

    • Citibank offers Personal Concierge Services to help customers plan a party, make dinner reservations, travel bookings, etc.
    • Enjoy dining discounts of up to 20% at over 2,000 restaurants with your Citibank Rewards Domestic Credit Card.

    Fees & Charges of Citibank Rewards Domestic Credit Card

    Type of Charge Amount
    Annual Fee No annual fee for spends more than Rs.30,000. Rs.1,000 charged for spends lesser than Rs 30,000.
    Joining Fee Nil
    Interest Rate 3.75% per month
    Cash Advance Fees 2.0% on the amount withdrawn
    Late Payment Charges Between Rs 300 to Rs 700, depending on the outstanding balance
    Late Payment Fee (eff. 25th jan '21)
    • If statement balance is up to Rs.2,000 - NIL.
    • If balance is above Rs.2,000 and up to Rs.7,500 – Rs.600.
    • If balance is above Rs.7,500 and up to Rs.15,000 – Rs.950.
    • If balance is above Rs.15,000 – Rs.1,300.
    Over credit limit charge 2.5% of the amount (excluding fees, charges and taxes) over the credit limit, subject to a minimum of Rs.500.
    Returned Payment Charge (Cheque/ ECS/ ACH/ SI bounce charge) Rs.500 per returned payment
    Reissue of lost/stolen or damaged card NIL
    Cash deposit at Citi branches Rs.250 per deposit

    Eligibility Criteria and Documents Required for the Citibank Rewards Domestic Credit Card

    The eligibility criteria for the Citibank Rewards Domestic Credit Card is as follows:

    Criteria Requirement
    Age Minimum 25 years and maximum 65 years (for self-employed) Minimum 25 years and maximum 60 years (for salaried individuals)

    Documents Required to Apply for the Citibank Rewards Domestic Credit Card

    The following documents will be required to be produced in order to apply for an Citibank Rewards Domestic Credit Card:

    • Photographs: Recent passport-sized photographs of the applicant.
    • Proof of address: Electricity bill, driving license, post-paid mobile phone bill, passport, PAN card, Aadhar card, telephone bill, voter’s ID card.
    • Proof of identity: Driving license, PAN card, passport, voter’s ID card, Aadhar card.
    • Proof of income: Income tax returns (ITR), latest salary slips, Form 16.
    • Proof of age: Birth certificate, voter’s ID card, passport, school certificate (10th standard).

    The list of documents is subject to the bank’s requirement. You might be required to provide additional documents as per the requirement of the bank.

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

    Citibank Rewards Domestic Credit Card FAQs

    1. Does the applicable interest rate vary from time to time?

      Yes. The interest rate charged on a Citibank Rewards Domestic Credit Card varies depending on a customer’s spending patterns, payback and utilisation.

    2. Do rewards points accrued with a Citibank Rewards Domestic Credit Card have an expiry period?

      No, accrued points do not have an expiry period and customers can use these points whenever they want to.

    3. Are international transactions possible using the Citibank Rewards Domestic Credit Card?

      No, since this is a credit card targeted towards usage only in India, international transactions with merchants outside the country are not allowed.

    4. Is there a minimum criteria requirement for the number of rewards points that can be redeemed?

      Yes, for making any kind of redemption, customers need to redeem atleast a minimum of 250 points.

    5. Does Citibank offer the supplementary card facility along with a Citibank Rewards Domestic Credit Card?

      Yes, customers can avail supplementary cards along with a primary Citibank Rewards Domestic Credit Card.

      

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