Citi Bank Rewards Credit Card: Features & Benefits

Summary

This credit card is good for people who like shopping and getting benefits for every everyday purchase. It also gives 1,500 points as a bonus for the first buy within 30 days, and this also gives 3,000 bonus points every year when the card is renewed. This Citi Bank Rewards Credit Card is especially for shopaholics, where all spending in apparel and department stores gives 10X reward points for every ₹125, whereas all other spends will be 1 reward point per ₹125.

Its largest advantage is the fact that points do not have an expiry date, which helps the cardholder earn points and redeem them for shopping, traveling with a voucher, or even cash. It also features a waiver for the fuel surcharge on fuels, thus providing the facility for cheaper fuels. It offers savings on dining, shopping, and other lifestyle spending.

The redemption process is easy as it allows a user to redeem points through the rewards catalog of Citi Bank, partner merchants, or even as statement credit. The card is best for frequent shoppers of clothing and department stores since it maximizes earnings of rewards. Moreover, the bank offers easy online banking so that users can easily track and redeem their reward points.

Introduction

Nowadays, credit cards have become an important part of daily life. Whether you’re shopping, paying bills, or planning a trip, credit cards are beneficial everywhere. If you’re looking for a credit card that not only makes your expenses easy but also gives you great rewards, then the Rewards Credit Card may be the right choice for you.

Citi Bank Credit Card allows its users to earn reward points on every purchase, which can later be redeemed for a variety of facilities. Whether you are fond of shopping, enjoy eating in a restaurant, or are looking for good offers during travel, the Rewards Credit Card provides you with some benefits on every kind of expenditure.

The biggest special thing about the Rewards Credit Card is that it also rewards you for everyday expenses, such as groceries, movie tickets, petrol, and online shopping. Apart from this, exclusive offers and discounts given by Citi Bank can also be beneficial for you.

In today’s article, we will discuss in detail about the Citi Bank Credit Card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of the Rewards Credit Card in this article and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not face any problems later.

What is the Citi Bank Rewards Credit Card?

Credit Card is the right choice for individuals who anticipate receiving additional rewards for every spend. Every time you shop using your Rewards Credit Card, you are rewarded with points that you can redeem at your favorite stores, online shopping, travel bookings, and even gifts.

Its annual fee for the Rewards Credit Card is pretty low and may also be exempt if utilized sensibly. Extra privileges, too, are included; fuel surcharge waiver, cashback offers on most portals while shopping, and air miles for travel, just to name a few.

How is the Citi Bank Rewards Credit Card designed?

The Citi Rewards Credit Card rewards people who love earning points on their day-to-day spending. Each time you shop, you get reward points that can be redeemed for gifts, vouchers, or cashback. Offers extra points on clothing and department store purchases, making it great for shoppers.

Discounts in dining, no fuel surcharge waiver, and exclusive offers in itself qualify this card. No expiry date for reward points means you can save them for the right kind of special treatment. This is a good choice if you want to make everyday expenses the basis for enjoying benefits.

What are the benefits of the Citi Bank Rewards Credit Card?

Here are the important benefits of actual reward points:

1. Earn 1,500 bonus points – This is a welcome benefit in case of a first transaction in 30 days.

2. 10X reward points – Get 10 reward points on every purchase worth ₹125 on apparel and department stores

3. 1X reward points 1 point for every ₹125 spent at other places.

4. 3,000 bonus points – this is an annual benefit after the completion of every year for the renewal of your card.

5. There’s no reward expiry date – Rewards can be banked in one’s reward balance and be ready to cash at any moment desired.

6. Free service charge waivers from fuel- save on select pumps.

7. Convenient redemption is a reward on purchases, trips, vouchers, or just cash rebates.

What are the fees for the Citi Bank Rewards Credit Card?

Here is a simple Credit Card fee breakup.

Joining Fee	₹999 + GST (one-time fee when you get the card).
Annual Fee	₹999 = GST per year. This will be waived if you spend 1,00,000 or more in a year.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	3.5% per month (42% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Citi Bank Rewards Credit Card?

The following are the primary requirements:

1. To apply for the Citi Rewards Credit Card, you must be between 18 and 70 years old.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 2 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for Citi Bank to favor borrowers with a better credit score usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get a Citi Bank Rewards Credit Card?

The documents that you will have to submit to get a Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons
Income Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Citi Bank Rewards Credit Card be used?

Here is the list of places where you can use it:

• With the Citi Rewards Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Citi Rewards Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Citi Rewards Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Citi Bank Rewards Credit Card?

The credit amount you can spend is what you are provided with a Rewards Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for a Citi Bank Rewards Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Citi Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Citi Bank; for instance, you can choose the  Citi Bank Rewards Credit Card.

• Just hover your cursor on the Citi Bank Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Citi Bank branch to apply for the Citi Rewards Credit Card.

• Request for the credit card application form for the Citi Rewards Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Citi Bank Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Citi Bank Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Citi Bank Rewards Credit Card in 2025 be right?

Yes, getting a Citi Bank Rewards Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Citi Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Credit Card is an intelligent and helpful option for someone who wishes to get the maximum out of all their purchases at everyday stores. The Citi Rewards Credit Card not only gives you the option of earning reward points on every purchase but also helps you redeem the points in some special offers or deals.

The biggest feature of the Citi Rewards Credit Card is that it gives you more reward points on expenses that are related to your daily needs, such as grocery shopping and departmental store purchases. Also, the annual fee of the Citi Rewards Credit Card is quite affordable, and cardholders can get it waived by using their card properly.

Additional features like fuel surcharge waiver, shopping discounts, cashback offers, and air miles make the Citi Bank Rewards Credit Card even more special. Citi Bank Rewards Credit Card not only makes you financially strong but also allows you to turn every spend into profit.

Frequently Asked Questions (FAQ’s)