Citibank Rewards Credit Card

Cardholders can enjoy the following features and benefits on this credit card:

Welcome Benefits – Users get up to 2500 Reward Points on using their card within 60 days of card issuance

Reward Points – Users earn 1 reward point for every Rs. 125 spent. 10x points are earned on apparel and departmental store spends. Also, 300 bonus points are earned on spending ₹ 30,000 or more in a month. Lastly, reward points earned never expire

Security – The card is equipped with an EMV chip and uses a PIN to complete transactions. This lends extra security to the credit cards

Concierge Service – Citibank concierge service allows one to send flowers, arrange parties, make dining and movie ticket reservations as well as get travel assistance

Dining Offers – Users get up to 20% discount on dining bill at partner restaurants

Cashback – Users can also use their reward points to pay their credit card bill. 1 Reward Point = Re. 0.35. However, users must accumulate 5,000 points before they can redeem it

The fees and charges associated with the Citibank Rewards Credit Card are:

Particulars	Amount
Annual Fee	Rs. 1,000 (waived off on spending Rs. 30,000 in the preceding year)
Cheque/ECS/ACH bounce charge	Rs. 500 per returned instrument
Extended Credit Charges	3.25% p.m. /39% p.a.
Outstation Cheque Charge (based on the value of the cheque)	Up to Rs. 10,000 – Rs. 50 per cheque Rs. 10,001 to Rs. 1,00,000 – Rs. 100 per cheque Above Rs. 1,00,001 – Rs. 150 per cheque
Reissue of lost, stolen or damaged card	Rs. 100
Cash Advance Charges	2.5% on the billed amount withdrawn*, subject to a minimum of Rs. 500.
Railway ticket booking surcharge	1.8% of the transaction value
Fuel transaction charge	1% of the transaction amount, subject to a minimum of Rs. 10. Waived at Indian Oil Corporation outlets for transactions on Citi EDCs (electronic data capture terminals).
Overlimit Charges	2.5% of the amount (excluding fees, charges and taxes) over the credit limit, subject to a minimum of Rs. 500.
Late Payment Fee	·        Rs. 300 for current balance less than Rs. 10,001 ·        Rs. 600 for current balance* of Rs. 10,001 and up to Rs. 25,000 ·        Rs. 950 for current balance above Rs. 25,000

The eligibility criteria for the Citibank Rewards Credit Card are:

• Applicant should be more than 18 years and below 65 years of age
• Only Indian citizens can apply for this credit card
• Applicants must have a steady source of income

Also, Customers have to submit key documents like income proof, identity proof and residence proof for verification to Citibank to complete the application process.

An applicant can submit his application for this credit card to Paisabazaar.com itself. The steps are:

1. Click here to start your credit card application process
2. Enter the relevant details and proceed
3. Now the customer can see the list of credit cards that they are eligible for. Find Citi Bank Rewards Credit Card from the list
4. Check eligibility for this card by providing the required detail
5. If eligible, customer can fill the detailed application form and submit

After a successful online application, the customer will get a call from Paisabazaar to decide the right time and place for document collection. Once the documents are submitted, the bank will review them along with the application form. After successful verification, the card will be sent to the user’s communication address.

Alternatively, users 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 Payment?

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
Standard Chartered Platinum Rewards Credit Card	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
Yes Prosperity Rewards Plus Credit Card	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
HDFC Bank Diners Club Rewardz Credit Card	Rs.1,000	Earn 1000 Reward Points on successful sign-up Earn 3 Reward Point per Rs. 150 spent on retail	N/A