Citi Rewards Credit Card Review

Citi Bank Rewards Credit Card offers a host of premium services, including a range of rewards and benefits. One of the key features of this credit card is its Citi ThankYou Rewards program, which allows cardholders to earn points for their purchases and redeem them for a variety of options, such as travel, merchandise, and more. The card also offers savings on dining, fuel, and shopping, as well as access to exclusive events and experiences. However, it's worth noting that the card may come with high-interest rates and forex markup fees, which can add up quickly if the balance is not paid off in full each month. 

Overview

Who should get Citi Rewards Credit Card? 

The Citi Rewards Credit Card offers various rewards and benefits, including access to a rewards program, discounts on dining, fuel, and shopping, as well as exclusive experiences. It's a suitable choice for those who frequently use their credit card for everyday purchases and want to earn rewards points while taking advantage of the card's benefits. It's important to note that the card's benefits and rewards program may not be suitable for everyone, so prospective users should weigh their options carefully before applying. 

Reward Points

• 1 Reward Point earned per ₹125 spent on all purchases
• 10 Reward Points earned per ₹125 spent on apparel & departmental stores
• A maximum of 504 reward points per month can be earned on purchases at departmental and apparel stores (a minimum spend of ₹7,000 per month is required).
• Never-expiring Reward Points, redeemable anytime.

Rewards Points earned on the Citi Rewards Credit Card can be redeemed for fuel at Indian Oil, the product catalog, Air Miles and InterMiles, and cashback at the following rates:

Note: No Reward Points earned on fuel, insurance, education, government institutions, toll payments, and utility purchases.

How to Apply for a Citi Rewards Credit Card?

Step 1: Go to the Citi Bank website.
Step 2: Click on the "Credit Cards" tab and then on Rewards Card.
Step 3: If you are an existing Citi Bank customer, log in to your account and fill out the credit card application form. If you are not a Citi Bank customer, click "No" when prompted and follow the instructions to fill out the application form on the Axis Bank website.
Step 4: Submit the application form.
Step 5: Your application will be processed by Citi Bank or Axis Bank, depending on your status as an existing customer or not.

Note: Please ensure that you provide accurate and complete information in the application form to increase your chances of approval.

Citi Rewards Credit Card Eligibility

Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.

Documents Required

• Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
• Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
• Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.