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Citi Rewards Card

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 travels or any shopping transaction.
  • You can earn up to 10X reward points on credit card purchases at departmental or any apparel store.

Features and Benefits of Citi Rewards Credit Card:

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.

Concierge services

Avail the services of a personal concierge to take care of your party and dining arrangements, travel assistance, etc.

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.

Latest Offers on Citi Rewards Credit Card

Zomato discount: Enjoy cashback of 25% (up to Rs.250) on your orders on Zomato. Use the coupon code CITICRIC to avail the offer every Saturday and Sunday till 12 May 2019.

Cashback on Amazon Echo Show: Get Rs.2,000 cashback on purchasing Amazon Echo Show by 30 April 2019.

Bigbasket offer: Get 20% cashback on your purchases on Bigbasket. The validity of the offer is May 1 - May 5 and June 1 - June 5 and the promo code is CITIBB.

Offer on Jet Airways: Enjoy 10% cashback on duty-free transactions on Jet in-flight. The minimum transaction is Rs.4,000, the maximum cashback that can be availed per transaction is Rs1500 and the offer is valid till May 10, 2019.

Movie tickets offer: Book movie tickets on Paytm and get 2 tickets at the price of 1. This is offer is valid every Friday till 28 June 2019. To avail the offer, enter the promo code CITIFRIDAY.

Reward benefits of Citi Rewards Credit Card

  • For every purchase of Rs.125, you earn 1 reward point.
  • If you spend Rs.30,000 or more in a month, you will earn 300 points.
  • You will earn 1,500 bonus points on the first purchase you make on the card within 30 days of card issuance.
  • 1,000 bonus points will be added to the card when you make the first purchase of Rs.1,000 within 60 days of card issuance.
  • For every transaction at apparel or departmental stores, you get 10X rewards points.

Citi Rewards Credit Card Reward Points Redemption

  • You can redeem the accrued points at IndianOil outlets. For every reward point, you get Rs.0.25. The minimum points to be redeemed is 250.
  • You can also redeem the points for shopping at partner stores. For every reward point, you get Rs.0.30. The minimum points to be redeemed is 250.
  • If you want to redeem the points for online shopping, you get Rs.0.30 for every reward point. Here too, the minimum number of points should be Rs.250.
  • For redemption at online travel sites, you get Rs.0.25 for every reward point.
  • The redemption offer for air miles stands at 1 Reward Point = 0.75 miles. The minimum number of points required to redeem is 100.
  • To redeem for cashback, the redemption rate is 1 Reward Point = Rs.0.35. The minimum points necessary for redemption is 5,000.
  • You can also redeem the points instantly for gift vouchers from premium brands.
  • The redemption can be carried out in three steps - browsing the catalogue, choosing the desired option, and placing the order using your points.

Fees and Charges associated with the Citi Rewards Card

Fee TypeCharges
Joining FeeWould be informed by the bank at the time of sourcing the card
Annual FeeWould be informed by the bank at the time of sourcing the card
Cash Withdrawal fee2.5% 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 fee2.5% 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 feeRs.500 per returned cheque
Statement request feeRs.100 (Beyond 3 months)
Railway ticket booking surcharge1.8% of the transaction value
Re-issue of the cardRs.100
Cash payment feeRs.250 per deposit
Cash payment at ATMsRs.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 Creditupchar, 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'

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