Apply for Citi Rewards Credit Card

Why apply through CreditMantri

CreditMantri matches your credit and demographic profile to Citi Rewards Credit Card lending criteria - others just match your demographic criteria. We shortlist lenders willing to lend to you based on our proprietary matching algorithm.

In effect, we pre-screen your application to make sure you are likely to qualify as per the lender’s credit criteria. We upfront check whether you qualify for Citi Rewards Credit Card. Hence the chances of your Citi Rewards Credit Card application getting approved is higher.


joining fee


annual fee


reward type

  • Earn 10 Reward Points for every Rs125 spent at apparel and department stores and 50 other partners
  • Get 1,500 bonus points on first-spend made within 30 days of Card issue.
  • Get 1,000 bonus points on your first Rs1000 spend made within 60 days of card issue
  • Never Expiring Miles
  • Birthday Rewards: Get 500 birthday bonus points on every birthday. Only on Citi rewards VISA Card
  • APR - 39% p.a based on card spends, credit limit utilization etc.
  • Annual fee - NIL (if annual spend > Rs30, 000 or more on your Card, otherwise 1000/-)
  • Atleast 2 colour photographs
  • ID proof - Aadhar, Passport, Driving license, Voter ID etc
  • Proof of address -Ration card,electricity bill etc. can be submitted

About Citibank

Citibank is the consumer division of the multinational financial services company, Citigroup. It was incorporated in India in 1902 in Kolkata. It is one of the leading private sector banks in India and provides a wide range of banking products and financial services. The consumer division offers an array of credit cards specifically designed to suit the differing needs of its clientele.

Overview of Citibank Rewards Credit Card

Earn reward points when you shop with your Citibank Rewards card and redeem them easily for attractive options from a range of categories like travel, premium merchandise, and much more. It has a flexible rewards redemption programme and your points never expire. Enjoy attractive redemption options ranging from holidays, air miles, cash back and premium merchandise. Read on to know more!

Citibank Rewards Credit Card Feature

Welcome Points

Earn in reward points! Spend with your Citibank Rewards Credit Card within 30 days of activation and get 1,500 bonus points. Additionally, get 1,000 bonus points on your first spend of Rs. 1000 made within 60 days of card activation.

Bonus Reward Points

Get a bonus of 500 Reward points for a maximum of up to 3 add-on cards. In addition, you get 1000 bonus points on quarterly spends of Rs. 1,00,000 or more.

Earn accelerated reward points

Earn accelerated 10 X Reward Points on your credit card spends at select partners, apparel and department stores. Earn 1 Point for every Rs125 spent on all other transactions.

Lifetime validity of Points

Experience the freedom that comes with Reward Points that never expire!

Citibank Rewards Credit Card Benefits

Flexible ways to redeem your Points!

Your Citibank Rewards Card allows you to redeem your reward points in a variety of ways including:


You can choose to redeem your points for fuel and save money as well in the process. Citibank Reward Points are accepted across 800 participating Indian Oil fuel stations for instant redemption. The redemption rate at Indian Oil outlets is 1 Reward Point = Rs0.25. A minimum of 250 Points is required in order to redeem your points for fuel.

In-Store Shopping

You can redeem your points at select partner stores. Redemption rate at partner stores: 1 Reward Point = INR 0.30. A minimum of 250 Points is required in order to redeem points at these stores. You can find a list of partner retail establishments on the Citibank website.

Online Shopping

Redeem your points at participating e commerce sites, for movie tickets, travel arrangements, mobile services, and hundreds of other things you'd love to do at online stores. Online shopping redemption rate: 1 Reward Point = Rs0.30. Online travel sites redemption rate: 1 Reward Point = Rs0.25. A minimum of 250 Points is required in order to redeem. You can find list of partner e-commerce sites on the Citibank website.

Air Miles

Redeem your Reward Points on Air India and Jet Airways as Frequent Flyer membership miles. Redemption rate for air miles: 1 Reward Point = 0.75 miles. A minimum of 100 Points is required in order to redeem.

Cash Back

You can adjust your rewards points against your credit card outstanding balance. In order to redeem your points for Cash Back, you can call the 24x7 CitiPhone helpline. Redemption rate for cash back: 1 Reward Point = Rs0.35. A minimum of 5000 Points is required in order to redeem for Cash Back.

Gift Vouchers

Browse gifts and vouchers from an exclusive Citibank catalogue and redeem your points in three simple steps – browse, select, and place an order using your points.

Dining privileges

Enjoy up to 20% savings across 2000 partner restaurants with Citibank Rewards Credit Card.

Shopping privileges

Shop with your Citibank Rewards Credit Card and save more! Enjoy savings and offers across various stores in your city.

EMI Facility

Choose easy EMI options for your transactions! Avail easy EMI option facility at more than 2,000 consumer electronics and mobile phone outlets, leading retail chains and e-retailers. Make your dream a reality.

Personal Concierge Services

You can now rely on your concierge for help in planning an event like a birthday party, sending flowers, making travel reservations, Itinerary planning and much more!

Citibank Rewards Credit Card Annual Fee

The annual fee varies with each customer and each Citi Rewards Credit Card offer. The fee is communicated to the card member at the time at the time of application. Typically, the annual fee is Rs. 1000, which is waived on spends of Rs 30,000 in a membership year.

Citibank Rewards Credit Card Eligibility

The applicant should be minimum 18 years of age and should be a resident of India.

Citibank Rewards Credit Card – documentation required

The following is the documentation required for applying for a Citibank Rewards Credit Card:

  • Filled in application with at least 2 colour photographs
  • ID proof ( Aadhar card, Passport, Driving license, Voter ID can be submitted)
  • Proof of address (Ration card, electricity bill, telephone bill can be submitted)
  • Salaried employees - Salary slip for the last 3 months
  • Self-employed - Office address proof, bank statement of the last 3 months, audited financials for the last 2 years, and balance sheet of the last 6 months

Citibank Rewards Credit Card FAQs

Can I apply for a Citibank Rewards credit card online?

Absolutely. You can apply for a Citibank Rewards credit card at the website.

What is the interest rate on a Citibank Rewards Credit Card?

Generally, the interest rate is 3.25% per month (39% per annum). However, the interest rate varies with your spending habits, repayment behaviour and credit utilization patterns.

What is the validity of the reward points accrued on my card?

There is no expiry date. The rewards points are valid for lifetime!

What are the options available for paying credit card bills?

You can choose from the following convenient options to make your bill payment:

  • Pay your credit card bill via Citibank Online
  • Citibank EPAY
  • Electronic Clearing Service (ECS)
  • ATM (Cash/cheque deposit)
  • Drop Box (for cheques)
  • Cash or cheque payment at any bank branch during banking hours

Citi Rewards Credit Card review

This is a convenient credit card that gives you the power to save even while you spend. Using this credit card enables you to accrue reward points on your shopping which you can easily redeem for attractive options from travel, premium merchandise, and much more. This credit card has a hassle-free redemption process. The card also offers shopping and dining discounts and privileges and offers convenient bill payment options. The attractive rewards on this card offers makes it a desirable option, provided that all credit card dues are paid consistently every month.

Apply for Citi Rewards Credit Card

You can apply for a Citibank Rewards Credit Card online by logging onto the Citibank website or you can visit the nearest Citibank branch and submit the application and required documentation.

Alternatively, if you think you need help with your credit card application process and advice on eligibility, CreditMantri can guide you and match you with the credit card that suits your needs the best.