Citibank India is a foreign bank operating in India with the name Citi India. In India, its headquarter is in Mumbai, Maharashtra. Citi bank provides you a wide variety of banking services which includes wealth management, credit cards, and investment services in India. In this post below, we will discuss some important information about Citibank Rewards Credit Card.
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Citi Rewards Credit Card Details
This card is one of the best credit cards made for those who does shopping frequently. You can earn bonus reward points on spending through this card on shopping. And you can enjoy some attractive redemption options including cashback, air miles, holidays, and purchases at some premium merchandise.
Here, you will find some important information about the features, benefits, and eligibility criteria in this Citi Rewards Credit Card review.
Features and Benefits of Citi Rewards Credit Card
Citi rewards credit card benefits and features are mentioned below:
1. No Limit for Spending
There is no specified limit for spending through this card. The bank will let you know about your Citibank rewards credit card limit according to your income, repayment capacity, and some other factors.
2. Welcome Rewards
Get 1,500 Citi rewards credit card reward points as a bonus on your first spend made within 30 days of card issuance. Also, Citibank rewards credit card offers 1,000 reward points as bonus points on your first spend of Rs.1,000 made within 60 days of card issuance.
3. Points that Never Expire
Either redeem now or you can keep collecting these reward points for something big in the future.
4. Citibank Rewards Credit Card Redeem
Citi rewards credit card redeem process is instant. You can easily redeem your reward points against cashback, holidays, air miles, mobile service, and some premium merchandise.
5. Easy Tap and Pay
Making payments a lot easier through this contactless card. You can pay up to Rs.5,000 through this card without a PIN. You just need to simply tap your card on the terminal accepting contactless cards. Nowadays it’s very safe, secure and fast.
6. Bonus Reward on Monthly Spends
Get 300 bonus reward points on the spending of Rs.30,000 or more through this card within a month.
7. Rewards on Shopping
Earn 10 reward points on the spending of Rs.125 at selected apparel and departmental stores (online & in-store). You can earn 1 reward point for every Rs.125 spent on other purchases.
8. Special Rewards
Earn 4 additional reward points for every Rs.125 spent on Amazon, Myntra & Flipkart. This offers on Citi rewards credit card is valid till August 15, 2021.
9. Dining Privileges
Get up to 20% off on dining at participating restaurants across India.
10. Easy EMI
Easy EMI options are available at more than 2,000 consumer electronics & mobile phone outlets, some leading retail chains, and e-retailers.
11. Personal Concierge Service
For assistance in planning a party, dining reservations, sending flowers, travel, and many more. Simply make a call at 1800-114-999
The Citi rewards credit card features are mentioned above.
Also Read: Standard Chartered Platinum Rewards Credit Card: Features & Benefits
Also Read: List of Top 20 Best Online Shopping Sites in India
Citi Rewards Credit Card Charges & Fees
| Fee Type | Charges |
| Citi rewards credit card annual fee/joining fee | You will be informed by the bank at the time of sourcing about the joining and annual fees. |
| Interest rates | 3.75% per month (39% per annum) |
| Cash advance charge | 2.5% of the total amount withdrawn or a minimum amount of Rs.500 |
| Late payment charges | No charge for statement balance up to Rs.2,000 |
| Rs.600 for statement balance between Rs.2,000-7,500. | |
| Rs.950 for statement balance between Rs.7,500-15,000. | |
| Rs.1,300 for statement balance more than Rs.15,000. | |
| Over credit limit charge | 2.5% on the total amount over the credit limit. The minimum charge will be Rs.500. (Excluding charges, taxes, and fees). |
| Cheque return or bounce charge | Rs.500 for every returned cheque |
| Railway ticket booking surcharges | 1.8% of the total transaction amount |
| Card re-issue charge | NIL |
| Cash deposit at Citibank | Rs.250 per deposit |
Citi Rewards Credit Card Eligibility
The applicant must be at least 18 years of age.
The applicant must be either a salaried individual or self-employed.
Your CIBIL score must be above 700.
The applicant should have Indian citizenship.
Documents Required
| For Salaried | For Self-Employed |
| Identity proof | Identity proof |
| Address proof | Address proof |
| Latest two salary slips | Latest year ITR with audited financials and computation of income |
Click here to Apply for Citi Rewards Credit Card
List of some documents for address and ID proof:
1. Passport
2. Driving License
3. Aadhaar Card
4. Voter’s ID Card
5. NREGA issued job card duly signed by a State Government officer.
How to apply for this card?
There are a few simple steps you have to follow:
1. Visit Citibank’s official website. Click here.
2. Select the card of your choice.
3. Click on the “Begin Your Application” tab.
4. Enter your details such as name, mobile number, and email Id.
5. Next, fill in your professional details.
6. Once all the details are entered, click on the “Submit” tab.
After the submission of the application form, you will get a call from Citibank for the collection of documents. After approval, your card along with the welcome kit will be dispatched to your mailing address.
How does tap and pay work?
It’s very simple! Just follow some steps mentioned below:
1. Look for the contactless symbol on the merchant’s terminal for payment.
2. Tap your card on the merchant’s contactless terminal.
3. And it’s done.
4. Take your payment slip upon transaction authorization.
How to redeem Citi rewards credit card points?
1. Cashback
Through your this card, you can adjust your reward points against your outstanding statement of the card. The Citi rewards credit card points value is 35p/reward point. A minimum of 10,000 points is required for the redemption.
2. Rewards on Fuel
Instant redemption of points at over 1200 participating IndianOil outlets across India. Easy redemption via SMS. Value of 1 reward point = Rs.0.25.
For this redemption, a minimum of 250 reward points is required.
3. Rewards on Air Miles
Easy redemption on Jet Airways and Air India as Frequent Flyer membership miles. 1 reward point values 0.75 miles. A minimum of 100 reward points is required for redemption.
4. Gift Vouchers
Instant redemption against premium brands. Just browse the catalog, choose what you want, and place an order using your reward points.
Click here to Apply for Citibank Rewards Credit Card
Also Read: Citi Cash Back Credit Card: Your daily dose of delight
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Frequently Asked Questions
1. What do the personal concierge services mean?
Personal concierge service helps the customers in making various kinds of reservations, travel tickets, planning parties, sending flowers to others, and many more.
2. What is the annual fee charged on this card?
The annual fees of Rs.1,000 will be charged on this card. This fee can be waived after spending over Rs.30,000 in a year of membership.
3. How can I contact Citibank for queries regarding my card?
For any query related to credit cards, just make a call at 1860 210 2484.
4. What is Citi rewards domestic credit card?
Citibank rewards domestic credit card is a domestic card meant to be used within the country only. The facility of international transactions, including overseas ATM access and online transactions with merchants located outside India, is not available on this card.
5. What is the procedure to increase the credit limit?
Click here to know the procedure to increase the credit limit.
6. How to reduce the credit limit?
The credit limit can be reduced to the minimum credit limit applicable for the card. To reduce the credit limit, you need to contact 24×7 CitiPhone banking services. You can also write to Citibank online by logging into your account.
Check the details for this card by clicking here.
Citibank Rewards Credit Card Review
This card is the perfect option if you are looking for a low-fee, shopping-specific card. The Citi rewards credit card offers better deals and offers on shopping. And you can earn reward points rapidly. You can redeem these rewards points to enjoy attractive offers provided on travel, shopping, etc. Therefore, this card is an ideal card for someone who does a lot of shopping.
Also Read: Citibank IndianOil Credit Card: Features, Benefits & Eligibility
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