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Citi Bank Rewards Credit Card
★★★★★(4)With the Citibank Rewards Credit Card, every swipe can be an opportunity to earn points! It comes with a joining and annual fee of ₹1,000, where you get 10 Reward Points per ₹125 spent on apparel and department stores, 1 Reward Point per ₹125 on all other spending, and welcome benefits. You'll accumulate points on all your purchases, no matter how big or small. The reward rate of the card ranges from 0.3% to 2.4%. Keep reading to know more about this card. 👇
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Features and Benefits
Aspects that make spending using this card lit as the sun!
Fee and Charges
Think of these as small investments to keep your credit card running smoothly.
Charges
Joining Fee
₹1,000Annual Fee
₹1,000Annual Percentage Rate
45%Add-on Card Fee
FreeMinimum Repayment Amount
5%Cash Withdrawal Fee
2.50%Cash Advance Limit
40%Card Replacement Fee
NilForeign Transaction Fee
3.50%Over Limit Penalty
2.50%Fuel Transaction Surcharge
1%Reward Point Value
₹0.30Pros
Aspects that make this credit card amazing.
- ⮚Earn points for every purchase, redeemable for travel, merchandise, and more.
- ⮚Points for various rewards or converted to frequent flyer miles.
- ⮚Cardholders can avail dining discounts at select restaurants.
- ⮚Travel accident insurance, extended warranty protection, and more.
- ⮚New cardholders can take advantage of a generous sign-up bonus.
Cons
Aspects this credit card lacks.
- ⮚Points must reach a certain amount to be redeemable.
- ⮚The card has a high-interest rate on outstanding balances.
- ⮚No complimentary access to airport lounges.
Citi Bank Rewards Credit Card Review
This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.
Overview
| Card Type | Mid-level Credit Card |
|---|---|
| Best Suited | Shopping |
| Rewards | Get 1 reward point for spending ₹125 And 10 reward points for spending ₹125 in department stores. |
| Annual Fee | Nil |
| Joining Fee | ₹1,000 + Applicable tax |
Citi Bank Rewards Credit Card Maximum Cashback
| Category | Value of 1 Reward Point (₹) |
|---|---|
| Fuels at Indian Stations | 0.25 |
| In-store shopping with partner brands | 0.30 |
| Online Travel Site | 0.25 |
| AirMile/InterMile | 0.75 InterMile |
| Cashback | 0.35 |
Who should get an Citi Bank Rewards Credit Card?
The Citi Rewards Credit Card offers various rewards and benefits, including access to a rewards program, discounts on dining, fuel, and shopping, as well as exclusive experiences. It's a suitable choice for those who frequently use their credit card for everyday purchases and want to earn rewards points while taking advantage of the card's benefits. It's important to note that the card's benefits and rewards program may not be suitable for everyone, so prospective users should weigh their options carefully before applying.
How to Apply for an Citi Bank Rewards Credit Card?
Note: Please ensure that you provide accurate and complete information in the application form to increase your chances of approval.
Citi Bank Rewards Credit Card Eligibility
Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.
Documents Required
- Proof of identity: Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
- Proof of Address: Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
- Proof of Income: Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.