gift voucher
Voucher of ₹ 750 on your Credit Card issuance
Citi™ Rewards Credit Card
Citi™ Rewards Credit Card
Joining Perk
Citi™ Rewards Credit Card

Citi™ Rewards Credit Card

Redeem now or keep collecting for something big later – it's a choice you have because your reward points will never expire
Joining Fee

Available in 20 cities
Min Income - 25K/month
Joining Perk


Joining Fee
Annual Fee
Annual renewal fee can be just waived off if your transaction amounts to ₹30,000

Other Fee Benefits

  • Redeem now or keep collecting for something big later – it's a choice you have because your reward points will never expire
  • Save up to 15% at over 1000 Restaurants in the Country – this will more than cover the cost of the Card
  • Instant redemption at over 1200 participating Indian Oil outlets – at a redemption rate of 1 Point for ₹0.25
  • In–Store Shopping – Instant redemption at select partner stores – at a redemption rate of 1 Point for ₹0.30
  • Convert your Points into Jet Airways or Air India Frequent Flyer Points – at a redemption rate of 1 Point for ₹0.75
  • Adjust your Points to get Statement Credit – at a redemption rate of 1 Point for ₹0.35
  • Reward points can be redeemed at over 700 outlets and e–shopping partners.
  • Customers can borrow a loan on their credit card
  • You are also entitled to get gift vouchers if you buy using the Citi Rewards Credit Card

Chqbook Review

If spends during a calendar quarter exceeds Rs. 1 lac earn 1000 bonus points.Get birthday bonus of 500 reward points


  • Instant redemption at shopping outlets is very satisfying and the best way to make use of Points
  • Redeeming to get Statement Credit is a great feature we are sure you will Love
  • The Citi Rewards Card gives a high number of Points on Apparel and Department Stores – probably one of the best
  • The Citibank Credit Shield Plus offers coverage of Upto ₹5 Lakhs on the outstanding – this is a great feature in case your card is lost or stolen
  • Flexible interest rate of 3.25% per month
  • Choose easy EMI options at more than 2,000 consumer electronics and mobile phone outlets, leading retail chains and e–retailers
  • With dining benefits, cardholders can save up to 20% at over 1000 restaurants in the country.
  • Citibank credit card also offers Credit Shield Plus which provides coverage of up to ₹5 lakhs on the outstanding and customers can also avail personal accident cover
  • If you shop or book tickets online, then also you get instant redemption


  • Though the Citi Rewards Card is great for Points and Redemption, it's not so good when it comes to Lounge access, and perks at Airports

Joining Perks

  • Upon card activation, cardholders can get 2,500 points


  • 18 years and above
  • Should have a Indian or MNC bank account – Savings or Current account
  • Annual Income above 6 Lakhs/year – for both Salaried and Self–employed
  • Should have a permanent India Residential Address
  • You should not have any EMI bounces and have outstanding credit
  • Self–employed – Your Company should have been trading for more than 6 months

Documents Required

  • Last 6 Months bank statements
  • PAN Card
  • Address Proof (Any one) – Aadhar, Bank Statement, Passport, Gas Connection, Driving license


  • For every ₹125 spent from the card, earn 1 reward point
  • On spends at Apparel and Department Stores, earn 10 times the reward points
  • If spends during a calendar quarter exceeds ₹1 lac earn 1000 bonus points. Get birthday bonus of 500 reward points
  • On renewal after the first year, earn 1000 bonus reward points
  • Cardholders can earn 10 reward points upon spending ₹125 at 50 plus partner stores
1162 Reviews Sort

Need to improve this card

2 months ago | Abdul Mannan Syed
The Citi bank really need to improve the services it is offering to the customers. The service is pathetic from customer point of view.

Useful card

2 months ago | Abhishek Kumar
This is my first credit card and it's with Citi bank. Bank provided a credit limit of 50000 with this card which is sufficient enough for me. Bank provides good customer service. Online use of this card is also easy and website of this card is quite flexible to navigate.

Awsome card

3 months ago | Arunakumari Vanka
Am using this Citi rewards Credit Card, awesome because it's life free card no hidden cost with this credit card.

Providing good offer with this card

3 months ago | Kinjal Karan Gandhi
Citi rewards credit card are nominal and they are providing good offers like cash back and they do have a nominal annual fee . I got a good limit with my Citi bank credit card, i have received my first month bill, the interest and charges are nominal i am fine with minimum amount due.

Close this card

3 months ago | Ram Singh Jayas
There is the reward points option attached with this card, however, this card does not ever provide you much opportunities to earn reward points. I just want to close this credit card. The customer service is very poor. To connect with the customer care itself very big problem its taking.

Good card

3 months ago | Swathi Priya S
This is the only Citibank Credit Card I know of that doesn't have a hidden agenda or is trying to rob you of your hard earned cash. It has one competitive low interest rate which doesn't change for cash advances and the fees on the card are also low.

Getting good rewards points

3 months ago | Rohit Kumar
This card is very good at its reward system. You get 1,500 bonus points on the first-spend made within 30 days of card issue and 1,000 bonus points on your first Rs 1,000 spend made within 60 days of card issue.

Misguided in need

3 months ago | dipak shah
I was stuck while making payment using this card at a shopping mall. I tried reaching out the customer care for immediate help. But what happened after that is that I had to return home without shopping the transaction didn’t proceed with no fault of mine.

Not aware the rate of interest

3 months ago | Pradeep Mani
I have taken Citi rewards credit card and am using it for last 5 months. The services are okay so far. I am not aware of the interest rate.

Worst experience

3 months ago | Vikas Sood
The worst card I have ever used. No joining perks. Very less Rewards. Annual fees too are required to be paid.