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Citi Rewards Card

Apply Citi Rewards Card

Reward Type


Joining Fee


Annual Fee


View Details


  • Earn 10 Reward Points for every Rs 125 spent at Apparel & Department Stores.
  • Pay with your Reward Points when you shop at over 700 outlets and e-shopping sites.
  • Enjoy over 3,600 offers across Dining, Shopping, Movies & EMI.
  • No Joining Fees. No fee shall be charged if Rs. 30,000 or more is spent on the card during the year (a year from the date of issuance of the card), else a fee of Rs. 1,000 will be charged at the end of the said year.


  • No fee shall be charged if Rs. 30,000 or more is spent on the card during the year (a year from the date of issuance of the card), else a fee of Rs. 1,000 will be charged at the end of the said year.

Documents Required

  • Photograph
  • ID proof – Any one (PAN Card, Driver License, Passport, Aadhaar card)
  • Address proof (any one)- passport, driver’s license, voter’s ID, aadhaar card, electricity bill, telephone bill, postpaid mobile phone bill, bank account/post office savings bank account statement
  • Income document (if app score is below certain level) - 3 months salary slips
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Citi Rewards Credit Card – Get Rewarded Every Time You Shop

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.

Citi Rewards Credit Card Snapshot

Card Rewards Type

Reward Points

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2.5% of the cash withdrawn or Rs.500, whichever is higher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

2.5% of the cash withdrawn or Rs.500, whichever is higher

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

International Charges

Transactions done in USD, 3.5% mark-up on amount in INR equivalent to USD (conversion rates as on date to be considered)

Statement BalanceLate Payment Charges

Up to Rs.2000


Rs.2001 – Rs.7500


Rs.7501 – Rs.15000


Above 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.

Here Are The Category Wise Rewards You Get With Your Citi Rewards Credit Card

Joining Bonus / Welcome Gifts

  • Get 1,500 bonus points on your first purchase within 30 days of receiving your rewards card.
  • Get 1,000 extra points on your first Rs. 1000 purchase made within 60 days of receiving your card.
  • Get 300 bonus points when you spend Rs. 30,000 or more on your card in a month.

Reward Points

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.

Dining Treats

Get up to 20% discount on participating restaurants across India

Shopping Rewards

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

Am I Eligible To Get The Citi Rewards Credit Card? Where And How Do I Apply For This Credit Card?

It is very simple to get the Citi Rewards credit card.

  • You have to be an Indian citizen
  • Must be in the age group of 21 to 65 years

Here is the online application process for Citi Rewards Credit Card

  • You will be required to submit your contact info along with personal information such as your name, date of birth, nationality, and PAN number on the online application form.
  • Then you must provide your professional details, such as your professional role or company name.
  • The third section contains your contact details.
  • Your application will be processed once you have submitted all of the required information.
  • In the next 2-3 days, an authorized representative will contact you to collect the document proofs.
  • It will take 7 working days to assess the duly submitted applications. The credit card and welcome kit will be sent to your mailing address once you have been approved.

Documentation for Citibank Rewards Credit Card application

Applicants are required to submit the following documents: 

One color passport size photograph

Duly signed consent form

Address proof

  • Valid Passport issued by Govt. of India
  • Valid Driving License
  • Aadhaar number
  • Voter's ID Card
  • NREGA Job Card 

Photo ID proof 

  • Valid Passport issued by Govt. of India
  • Valid Driving License
  • Proof of possession of Aadhaar number (Aadhaar Card/ E-Aadhaar)
  • Voter's ID Card
  • NREGA Job Card 

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!

How To Redeem The Reward Points On My Citi Rewards Credit Card?

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

In-store shopping

Instantly redeem 1 point = Rs.0.30 | Min. of 250 points required

Online Shopping

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

Gift Vouchers

Get gift vouchers from premium brands against your reward points

Interesting Read: How To Earn More Reward Points On Your Credit Card?

Citi Rewards Credit Card FAQs

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.

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