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Important: As per RBI guidelines, issuance of new credit cards on Mastercard platform has been discontinued until further notice. Normal card services will continue for existing users
Citibank Rewards Credit Card is designed for frequent shoppers. Users can earn bonus reward points and redeem them against gift vouchers and items from Citibank rewards catalogue. Additional details of the credit card are mentioned below.
Cardholders can enjoy the following features and benefits on this credit card:
Welcome Benefits – Get 1,500 bonus points on your first spend made within 30 days of card issuance. Get 1,000 bonus points on your first spend of Rs. 1,000 made within 60 days of card issuance.
Reward Points –
Cashback – Users can also use their reward points to pay their credit card bill. 1 Reward Point = Re. 0.35. However, users must accumulate 10,000 points before they can redeem it
The fees and charges associated with the Citibank Rewards Credit Card are:
| Particulars | Amount |
| Joining Fee | NIL |
| Annual Fee | Rs. 1,000 (waived off on spending Rs. 30,000 in the preceding year) |
| Finance Charges | 3.75% p.m. /45% p.a. |
| Late Payment Fee |
|
*Click Here for the most important terms and conditions.
| Criteria | Details |
| Occupation | Salaried |
| Minimum Income for Salaried Applicants | Rs. 25,000 per month |
| Serviceable Cities | Click here for the list of eligible cities |
Along with your application form, you should also submit valid proof of identity, address and income. Given below is the list of documents. To view the documents required for Citibank Credit Cards, Click Here.
| No income documents needed for Citibank Credit Cards when applied through Paisabazaar |
*T&C Apply
An applicant can submit his application for this credit card to Paisabazaar.com itself. The steps are:
After a successful online application, the customer will get a call from Paisabazaar to take the application process further.
Alternatively, you can apply for this credit card directly from Citi Bank’s website or by visiting the nearest Citi Bank branch.
What is the annual Fee charged on this credit card?
The annual Fee charged on this credit card is Rs.1000.
Can users get an annual fee waiver on this credit card?
Yes, users can get annual fee waiver on this credit card as long as they spend over Rs. 30,000 in a membership year.
Does this credit card let users make contactless Payments?
Yes, users can transact amount up to Rs. 2,000 using this credit card. Do note that contactless payment can be carried out at only those terminals that accept contactless payment.
| Credit Card | Annual Fee | Reward Points | Net Savings |
| Citibank Rewards Credit Card | Rs. 1,000 | Users earn 1 reward point per Rs. 125 spent. 10x points are earned on apparel and departmental store spends | Rs. 5,483* Rs. 11,245** |
| HDFC Freedom Credit Card | Rs.500 | Earn 500 reward points as a welcome gift and 500 reward points on payment of renewal fee | Rs. 1,744* Rs. 2,488** |
| Standard Chartered Super Value Titanium Credit Card | Rs.750 | Earn 1 reward point for every Rs. 150 spent | Rs. 9,834* Rs.12,930** |
| ICICI Bank Coral Contactless Card | Rs.500 | Earn 2 PAYBACK points per Rs. 100 spent | Rs.10,636* Rs. 15,772** |
| HDFC Platinum Times Credit Card | Rs.1,000 | Earn 3 reward points per Rs. 150 spent | Rs.5,444* Rs.8,288** |
*On spending Rs.2 lakh annually **On spending Rs.4 lakh annually
Suggested Rewards Credit Cards are-
| Credit Card | Annual Fee | Key Feature | Paisabazaar Rating |
American Express Membership Rewards® Credit Card | Rs. 1,500 | Earn 1 Membership Reward Point on every Rs. 50 spent. Offer not valid on Fuel, Insurance, Utilities and Cash Transactions Customers earn 1,000 bonus Membership Reward Points if they use their credit card 4 times per month to transact Rs. 1,000 or more | 3.9/5 |
Rs. 250 | Earn 5X reward points on dining and fuel spends Earn 1 reward point on every spending of Rs. 150 on all the other categories | 3.5/5 | |
Rs. 350 | Earn 3 reward points on every Rs. 100 spent on Grocery and Supermarket spends Earn 2 reward points are earned per Rs. 100 spent on other categories | N/A | |
Rs.1,000 | Earn 1000 Reward Points on successful sign-up Earn 3 Reward Point per Rs. 150 spent on retail | N/A |
For Citibank Credit Card Terms and Conditions, refer to this link.
The lost card was replaced quickly by the Citi bank team.
Glad that the agents were helpful when I had lost my card while traveling to Mauritius.
Super relieved that there were never any hidden cost or charges applicable on this card.
I used my card points for the redemption at the rewards portal.
Happy with the fine variety in the manner of redemption of this card.
Super content with the rewards and the offers applicable on this card.
