Citi Bank Rewards Credit Card

Joining Fee

Rs. 1,000 plus applicable taxes (complimentary for Citibank Suvidha account holders)

Product Details

  • Up to 2,500 Reward Points as a welcome gift.
  • 1 Reward Points per Rs. 125 you spend.
  • 10x Reward Points on apparel & departmental stores.
  • Get 300 bonus Reward Points by spending Rs. 30,000 or more every month.
  • Spend Rs. 30,000 or more in the previous year and the renewal fee for the card can be waived off.
  • 1% fuel surcharge waiver on all fuel transactions.


Citibank Rewards Credit Card Features & Benefits

The Rewards Credit Card issued by Citibank is one of its most popular credit cards as it offers a great reward rate across all the categories. Apart from this, it showcase several benefits and features, which are discussed below:

Welcome Benefits

  • Get 1,500 bonus Reward Points within 30 days of card activation on making the first transactions with the card.
  • You get additional 1,000 bonus Reward Points on making a transaction of Rs. 1,000 within 60 days of card issuance.

Milestone Benefits

You get 300 bonus Reward Points on a minimum monthly spend of Rs. 30,000 on your Citi Rewards Credit Card.

Joining and Renewal Fee Waiver

On spending Rs. 30,000 or more, the annual fee of Rs. 1,000 with the card can be waived off.

Fuel Surcharge Waiver

Get a 1% waiver on fuel surcharge at all authorized Indian Oil outlets on transactions above Rs. 10.

Citibank Rewards Credit Card Rewards:

  • You get 1 Reward Point every time you spend Rs. 125.
  • You get 10 Reward Points per Rs. 125 spent on apparel & departmental stores.
  • The incremental reward points under the 10x category are capped at 504 points per month, i.e., the additional 9x Reward Points earned on departmental and apparel stores are capped at 504 Reward Points per statement cycle, which means that you earn the maximum number of Reward Points on spending a minimum of Rs. 7,000.
  • No Reward Points are earned on certain categories on spends including fuel, educational institutions, government institutions, insurance, toll payments, and utility purchases.
  • These Reward Points can be redeemed anytime as they never expire.

Rewards Redemption

The Reward Points earned on Citi Rewards Credit Card can be redeemed against fuel at Indian Oil outlets, product catalog, Air Miles/InterMiles, and cashback at the rates given below:

Redemption Category Value of 1 RP Minimum Points required for redemption
Fuel at Indian Oil outlets Re. 0.25 250
In-store shopping at partner brands/online shopping Re. 0.30 250
Online travel site Re. 0.25 250
Cashback Re. 0.35 10,000
AirMile/InterMile 0.75 InterMile 100

Citi Rewards Credit Card Eligibility Criteria

The following table shows the eligibility criteria to get approved for the Rewards credit card:

Particular Criteria
Age Above 21 years
Income Stable source of Income
Credit Score Decent credit score (750 or above)

Documents Required

Following are the documents required to apply for the Rewards credit card by CitiBank:

  • Identity Proof: PAN Card, Aadhar Card, Driving License, Voter’s Id, Passport, etc.
  • Address Proof: Aadhar Card, Utility Bills of latest months, Passport, etc.
  • Proof of Income: Latest audited ITR, or latest bank statements/salary slips.

How To Apply for Citi Rewards Credit Card?

Apply for the Citi Rewards Credit Card either by visiting the closest branch or by the online method as follows:

  • Go to Citibank online website.
  • Click on the option ‘Apply Now’ on the right side of your screen.
  • Choose the ‘Citi Rewards Credit Card.’
  • Click on the option ‘Apply Now’ again.
  • Be ready with all your documents and complete all the formalities as required by the website.


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