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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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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.

Contactless Pay

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.

Go Global!

Get access to local deals and discounts in more than 90 countries while you are travelling.

Current Offers on Citi Reward Card

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.

  • Tata Sky – When you recharge your Tata Sky subscription for 12 months with your Citi Card, you get an additional 2 months’ validity.
  • Gaana – You can get 3 months of free Gaana Subscription with your Citi Rewards Card.
  • – Get a flat discount of 18% plus an additional cashback of 5% (up to Rs.100 as 1mg wallet cash) when you buy prescription medicines. Also get a 50% discount on Premium e-consult services on the 1mg website.

How to Apply for Citi Rewards Credit Card

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How to Apply for Citi Rewards Credit Card - Redeem your Reward Points on Air India and Jet Airways, Frequent Flyer membership miles, Cash back, Gift Vouchers, Dining privileges, Shopping privileges, EMI Facility, Personal Concierge Services

Value Added Services

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.

What is the process to apply for a Citibank Rewards Credit Card?

You can apply for the card by logging on to Citibank Online. 

  • On the online application form, you will be required to enter your contact details, personal information like name, date of birth, nationality, PAN number etc.
  • Then you have to enter your professional information relating to your job or business.
  • The third part is your address information. 
  • Once you have submitted all the required information, your application will be taken up for processing.
  • An authorized representative will contact you in the next 2-3 days to collect the documents proofs.
  • The review of duly submitted applications will take 7 working days. Upon approval, the credit card and the welcome kit will be delivered to your mailing address.

Documents to be submitted for your Citibank Rewards Credit Card application

The following are the documents required for processing a credit card application

  • One color passport size photograph
  • Duly signed consent form

Address 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
  • Job Card issued by NREGA duly signed by an officer of the State Government

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
  • Job Card issued by NREGA duly signed by an officer of the State Government

For salaried employees – Latest 2 months’ salary slips

For self-employed individuals – Latest ITR

Eligibility criteria for Citibank Rewards Credit Card

  • Minimum age of 18 years up to a maximum of 70 years
  • You must be an Indian resident

Schedule of charges associated with Citi Rewards Credit Card

Fee TypeCharges

Annual Fee

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

Citibank Rewards Credit Card FAQs

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:

  • Citibank Online Account login
  • Payment through the Citi Mobile App
  • Online payment through NEFT, Epay, Visa Money Transfer, Standing Instruction with your bank or NACH Mandate
  • Payments can also be done via cheque or cash deposit at the branch

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.

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