CreditMantri Finserve Private Limited
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Get credit cards in India that are best matched to your credit profile
Do you love shopping? Then Citi Rewards Credit Card is the best choice for you; earn more rewards whenever you shop. Groceries, home & kitchen, fashion, lifestyle, entertainment, and more; no matter what you shop, Citi Rewards Credit Card offers you the best reward points and brand discounts for the shopaholic in you.
Card Rewards Type
Joining Fee / Annual Fee
Rs.1000 + Taxes
APR – Annual Interest Rate
45% Per Annum
Cash Advance Fee
2.5% of the cash withdrawn or Rs.500, whichever is higher
Credit Over Limit Charges
Fuel Surcharge Waiver
1% Fuel Surcharge + Applicable GST shall be reversed for transactions made at authorized Indian Oil Petrol Pumps. Minimum transaction value of Rs.10
Cash Deposit Charges (At Citi Branches)
Rs.250 per deposit
Transactions done in USD, 3.5% mark-up on amount in INR equivalent to USD (conversion rates as on date to be considered)
Up to Rs.2000
Rs.2001 – Rs.7500
Rs.7501 – Rs.15000
The Citi Rewards Credit Card is the one card you need if you love shopping. When you love shopping online or offline, you do deserve to be rewarded. That is what Citi Rewards Credit Card does for you. It offers you more reward points for your shopping transactions, more than other credit cards in the market.
Joining Bonus / Welcome Gifts
Earn 10X Reward Points for transacting at clothing and lifestyle stores
Earn 1 Point for every Rs 125 on all other purchases
Reward Points that never expire
The reward points you accumulate will stay forever. You can redeem them anytime.
Get up to 20% discount on participating restaurants across India
Get easy EMI on travel booking and shopping at over 2000 outlets
International Travel Offers
Get exclusive offers and discounts at more than 26,000 stores for travel, hotels, shopping, entertainment, spa, golf courses, and more
Credit Card Loans
Get Instant Credit Card loans with attractive interest rates
Also Read: A list of other popular shopping credit cards for you
It is very simple to get the Citi Rewards credit card.
Here is the online application process for Citi Rewards Credit Card
Applicants are required to submit the following documents:
One color passport size photograph
Duly signed consent form
Photo ID proof
For salaried employees – Latest 2 months’ salary slips
For self-employed individuals – Latest ITR
Want to know if you will qualify for Citi Rewards Credit Card? Check eligibility here!
Citi allows you to redeem your reward points for various gifts, merchandise and cashback offers. You can redeem your points instantly with a single SMS.
Fuel Purchase Instant Redemption
1 point – Rs.0.25 | Min. points for redemption – 1000
Instantly redeem 1 point = Rs.0.30 | Min. of 250 points required
Instantly redeem on travel purchases 1 point = Rs.0.25
On Other Stores 1 point = Rs.0.30
Min. of 250 points required
Air Miles Redemption
Redeem your Air Miles and InterMiles points for Frequent Flyer membership miles
1 reward point = 0.75 miles
A min. of 100 points required for redemption
Get cashback of Rs.0.30 for every reward point.
Min. of 10,000 points required to redeem
Get gift vouchers from premium brands against your reward points
Interesting Read: How To Earn More Reward Points On Your Credit Card?
1. What is the value of 1 reward point on my Citi Reward credit card?
The value of the reward points depends on where you spend it. For travel purchases, 1 reward point equals Rs.0.25 while for other spends it will be equal to Rs.0.30.
2. Can I use my Citi Rewards Credit Card for online shopping?
Yes, Citi Rewards Credit Card can be used for both online and offline purchases.
3. What is the interest rate on my Citi Rewards Credit Card?
The annual interest rate is informed to you on the welcome letter you receive with the card. The average interest rate on this credit card is around 45% per annum.
4. How can I check the reward points accumulated on my Citi Rewards Credit Card?
You can login to your card account and check. You can also send an SMS - REWARDS XXXX to 52484 (XXXX is the last 4 digits of your credit card).
5. How can I redeem my reward points to pay for online shopping?
You can instantly redeem your reward points by sending an SMS at the time of bill payment.
6. Is there an annual fee for Citi Rewards Credit Card?
Yes, there is an annual fee of Rs.1000 + taxes.
7. My card is about to expire; will it be automatically renewed? When will I receive the new one?
Your card will be valid until the final day of the month in which it is due to expire. The existing card will be automatically renewed and mailed two weeks before it expires. This also applies to the renewal of add-on cards.
8. Is there an expiry date for the reward points on my Citi Rewards Credit Card?
No, there isn’t. The reward points on your Citi Rewards Credit Card never expire and you can redeem them whenever you want.
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf.