Citi rewards credit card - Features, Benefits, Fees & Charges

Citi Bank Rewards Credit Card (4)

Regular Best For: Rewards
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With the Citibank Rewards Credit Card, every swipe can be an opportunity to earn points! It comes with a joining and annual fee of ₹1,000, where you get 10 Reward Points per ₹125 spent on apparel and department stores, 1 Reward Point per ₹125 on all other spending, and welcome benefits. You'll accumulate points on all your purchases, no matter how big or small. The reward rate of the card ranges from 0.3% to 2.4%. Keep reading to know more about this card. 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus
  • 1,500 bonus reward points after activating the card and making the first transaction. 
  • Receive an additional 1,000 bonus reward points when users spend a minimum of ₹1,000 within 60 days of card issuance.
  • This offer is not applicable if the card is closed due to inactivity within 30 days of card issuance.
Reward Points
  • 10 Reward points / ₹125 spent on apparel and department stores (online & in-store).
  • 1 Reward Point / ₹125 on all other spends.
  • Get 300 bonus points on card purchases of ₹30,000 or more in a month.
  • Reward Rate: 0.3% to 2.4%
Fuel Surcharge
  • 1% waiver on fuel surcharge at authorized Indian Oil outlets on transactions above ₹100.
Concierge Services
  • Enjoy the convenience of personal concierge services with this card. 
  • From planning parties and sending flowers to making dining reservations and providing travel assistance.
  • Phone:1800-114-999
  • Email: head.customercare@citi.com
Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹1,000

Annual Fee

₹1,000

Annual Percentage Rate

45%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.50%

Cash Advance Limit

40%

Card Replacement Fee

Nil

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹ 0.30
Late Payment Charges

Balance below ₹2000

₹ 0

Balance from ₹2000 to ₹7500

₹ 600

Balance from ₹7500 to ₹15000

₹ 950

Balance more than ₹15000

₹ 1300
Pros

Aspects that make this credit card amazing.

  1. Earn points for every purchase, redeemable for travel, merchandise, and more.
  2. Points for various rewards or converted to frequent flyer miles.
  3. Cardholders can avail dining discounts at select restaurants.
  4. Travel accident insurance, extended warranty protection, and more.
  5. New cardholders can take advantage of a generous sign-up bonus.
Cons

Aspects this credit card lacks.

  1. Points must reach a certain amount to be redeemable.
  2. The card has a high-interest rate on outstanding balances.
  3. No complimentary access to airport lounges.
Citi Bank Rewards Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3)

Rewards

(3.5)

Customer Service

(3.5)

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

Card Type  Mid-level Credit Card
Best Suited  Shopping
Rewards

 Get 1 reward point for spending ₹125 

 And 10 reward points for spending ₹125 in department stores.

Annual Fee  Nil
Joining Fee ₹1,000 + Applicable tax

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:

Category Value of 1 Reward Point (₹) Redemption points required
Fuels at Indian Stations 0.25 250
In-store shopping with partner brands 0.30 250
Online Travel Site 0.25 250
AirMile/InterMile 0.75 InterMile 100
Cashback 0.35 10,000

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.
Citi Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

Citi Bank

Citi Bank Credit Card Customer Care Number:

1860 210 2484

Citi Bank Card Offers:

View Offers

Total Cards:

2,08,285
Citi Bank Credit Card News

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Citi Bank Rewards Customer Reviews

Overall Rating

4

Based on 1 reviews

Rating Summary

5
0%
4
100%
3
0%
2
0%
1
0%

Review Analytics

Fees 0 votes

Interest Rate 0 votes

Rewards 0 votes

Benefits 0 votes

Customer Service 0 votes

Frequently Asked Questions

A Citi Reward Card has the following benefit: 

  • You can earn 10x rewards points every time you shop.

  • With all other purchases, you receive 1 Point for each Rs.125 spent.

  • You can receive a welcome bonus of up to  Rs.2500.

Yes, Citibank rewards credit card charges a Cash Advance fee of 2.5% on the billed amount withdrawn, subject to a minimum of Rs. 500 of each cash advance's total amount.

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