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Citi Rewards Card is a real boon for frequent shoppers and ardent travellers. With ‘Accelerated Rewards’ and ‘Welcome Bonus’, this card opens an array of exciting discounts and lifestyle experiences in India and in 90+ countries overseas. The highlight of this card are the ‘never expiring reward points’. Annual fees: Rs. 1000+GST. Check your eligibility and apply now.
Do you love to shop? Do you love to travel? Do you love to shop while you travel? Then the Citibank Rewards Credit Card is the one for you! This card comes with some amazing features for people whose expenses primarily include shopping and travelling.
The card offers accelerated reward points for every time you shop. The highlight of this card are the ‘never expiring reward points’. What more can a shopaholic ask for?
Here are some attractive features of the card to help you decide if the Citi Rewards Card is the right choice for you:
Get ‘Welcome Gift’ at the time of card issuance
Get 2500 reward points upon card activation. Earn 1,500 reward points for the first purchase made on the Citibank Rewards Credit Card – purchase to be completed within the first 30 days from the date of issue of the card. Also earn 1,000 bonus reward points for spending Rs. 1,000 on the Citibank Rewards Credit Card within the first 60 days of card issuance.
More rewards for your shopping
Users get ‘Accelerated Rewards’. You can earn 1 reward point for every Rs.125 spent on your card. You can also earn 10x the reward points for spending at online or physical department stores and clothing.
Get ‘Bonus Points’ on big-ticket purchases
You are given a 300 points reward for spending Rs. 30,000 or more in a given month.
Evergreen Reward Points
This is by far the best feature of this card. Your reward points will never expire! What more does a shopaholic want! The reward points on this card will never expire, allowing you to accumulate them and use them as you wish.
Most of the recent Citi credit cards are now enabled with Contactless Pay feature. This feature allows you to pay with just a tap on the POS machine instead of swipe or insert into the card machine. Moreover, for transactions under Rs.2000, you don’t even need to enter your PIN. It is as easy as that!
Citi Pay Lite
This feature helps you to convert your huge purchases into affordable monthly EMIs.
Citi Quick Cash
You can get instant cash loans, based on your card limit, to meet emergency needs.
Get access to local deals and discounts in more than 90 countries while you are travelling.
Citibank offers regular discounts and promotions on a number of merchant brands for all their credit card customers. You can check on their official website for a list of all the current promotions. Citi Reward Cards is currently running these promotions.
Every customer wants to feel special. Citibank takes cognisance of this fact and offers many value added services to its customers.
Flexible redemption of your Reward Points – You are given ultimate flexibility to redeem your reward points. You can now redeem them over SMS, Holidays, Air Miles, Cashback or purchase of premium products and services.
Travel and Lifestyle Services – Contact their Travel & Lifestyle Specialist who will help you to plan and create experiences that you will cherish for life.
You can apply for the card by logging on to Citibank Online.
The following are the documents required for processing a credit card application
Photo ID proof
For salaried employees – Latest 2 months’ salary slips
For self-employed individuals – Latest ITR
Rs.1000 + taxes
Cash Withdrawal fee
2.5% of cash withdrawn or Rs.500 (whichever is higher)
Late payment fee
For balances up to Rs.1,000 - NIL For balances above Rs.1,000 but less than Rs.5,000 - Rs.450 For balances Above Rs.5,000 but less than Rs.10,000 - Rs.700 For balances above Rs.10,000 - Rs.950
Over credit limit fee
2.5% on the amount over and above the credit limit. (Minimum of Rs.500 excluding charges, taxes and fees)
Cheque return or bounce fee
Rs.500 per cheque return
Statement request fee
Surcharge on Railway ticket booking
1.8% of the transaction value
Duplicate card issue
Bill payment by cash at branch
Rs.250 per deposit
Bill payment by cash at ATMs
Rs.100 per deposit
1. What is the credit limit?
Credit Limit means the maximum amount of credit available on your Citi Rewards Credit Card.
2. What is the cash limit?
Cash limit is the maximum cash you can withdraw from your Citi Rewards Credit Card.
3. What is a billing date/cycle and due date?
Your credit card billing date is the date on which your monthly statement is generated. The due date is the date by which payment has to be made to avoid late payment charges or other penalties. The billing date and payment due date are mentioned on your credit card statement. You can also find it on your online login. The billing date and payment due date cannot be changed.
4. How can I make payment for my Citi Rewards Credit Card?
Citibank offers various options to make your credit card bill payment:
5. How do I convert one of my purchases into an EMI?
Citibank offers ‘Dial an EMI’ that enables you to convert your eligible purchases into EMI. You can login to your Citibank online account to avail this feature. You can also call the 24*7 CitiPhone number to execute this option.
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.