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Citibank Rewards Credit Card Review

Looking for a credit card which can offer good discounts, offer & deals on shopping in India? Did you check out the Citibank Rewards Credit Card yet?

Citibank has couple of of credit cards which are having awesome features. In fact citibank rewards card offers many discounts & rewards.

In this article we will see the Citibank rewards card review & will share all cool features other information related to this card.

Citibank Rewards Credit Card Features

1. There is no annual fee if you are able to spend more than 30,000 every year with this card. In case the amount is less, then you have to pay an annual fee of Rs 1000.

2. This is an international credit card. One can use the same while travelling abroad (USA, Canada, UK etc.)

3. If you get this card before May 31, 2015; you can get activation benefits of 1500 points. This can be spent later on shopping.

4. For spending on Apparel & Department Stores, get 10X reward point. Besides that, get 1 reward point for every Rs. 125 spent.

5. Huge options for citibank rewards credit card redeem points. You can redeem the reward points from 600+ stores across India and also from many online stores.

6. Reward points will not expire and can be redeemed as vacation trips, air miles, cash back and premium merchandise.

7. On completion of 1 year with total expenditure of more than 1 lakh, company will reward with extra 500 points as birthday bonus. Otherwise mandatory 1000 bonus point.

8. If you opt for email subscription, then you will get more 300 points initially as e-statement sign up bonus.

9. Love to eat at restaurant? Then use Citibank reward card in restaurants with more than 1000 options and get max 20% discount on your bill.

10. Not only that, you can also get insurance cover under Citibank Credit Shield Plus of Rs. 5 lakh max on the outstanding and can also avail personal accident cover.

11. Also get additional benefit of Lost Card Liability Cover.

12. The interest rate applicable on due amount will be monthly 3.25%, means annually 39%. So be careful about the due date and try to make the payment on time to avoid interest rate.

Citibank Rewards Card Eligibility Criteria

  • An Indian resident with at least 18 years of age can apply for Citibank reward credit card.
  • PAN Card, Income slips, address proof, Identity proof are the mandatory documents that will be asked as documentation.
  • This card will be provided to a person with a minimum income. Find out the exact income expectation. In case there is any tie up with your organization, you may get extra benefits.

How to apply for Citibank Rewards Credit Card?

  • If you want to apply for Citibank Credit card then simply visit Citibank official website and try to find out the credit card call center number.
  • You may find some promotional campaign also, in that case fill up that form. Then some person will contact you and arrange a meeting to collect all the documents.
  • Try to look for some promotional campaign in your office as well. In that case you can apply for this credit card without any hassle as they will help you to apply.
How to Redeem Citibank Credit Card Rewards Points?
  • One can redeem the reward points on various shopping mall in apparel and many other segments.
  • You can also redeem your reward points by fueling your vehicle from more than 800 outlets.
  • Shop online and redeem Citibank reward points from more than 700 online shopping websites.
  • There is also a option of cash back on accumulated points, based on certain condition.
  • The best part would be if you could buy a gift voucher with your reward points and gift your friends.

Do you have citibank rewards credit card? If not then check out this cool card and read the terms & condition carefully before applying. In case of any bad reviews, please share it with your experience to keep our readers aware about that.

Citibank Rewards Credit Card Review
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  1. Hi Santanu,

    I’m following your blog since long time every article you are posting related to Banking, Finance, Mutual Funds are Awesome and informative.

    I have a shadow of doubt in this article the first point you Discuss on “Citibank Rewards Credit Card Features” they will not charge the annual fee for those who spend 30,000 per year correct?
    But a couple of months back I have been charged Rs-1000/- from bank side. I thought that it might be an annual fee, but I made on purchase for 50,500 for that particular month. After reading your article, i sent the mail to bank customer care regarding this, still waiting for the reply. Do you have any idea? I appreciate your reply Santanu

    • Please read the terms carefully, I am not sure about the latest changes they made if any.

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