Citi Rewards Card

CITI REWARDS CREDIT CARD

The Citi Rewards Credit Card is an excellent reward and shopping credit card specially designed for frequent shoppers and travelers. Customers get a lot of reward points that do not expire and they also get a flexible rewards redemption program. The reward points can be redeemed for travel, premium merchandise, cashback, etc. Read on to know more.

Highlight Get up to 2,500 points as a welcome gift* Earn points that never expire

Best Suited For Shopping Dining

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Features & Benefits of Citi Rewards Credit Card

• Accelerated Rewards: Get 10X Reward Points on apparel and departmental store spends.
• Rewards on all Daily Spends: Get 1 Reward Point for every Rs 125 spent on all other categories.
• Welcome Rewards: Earn 1500 bonus reward points on using your card within 30 days of card issuance. Also, earn 1000 bonus reward points on spending Rs 1000 within the first 60 days of getting the card.
• Bonus Rewards: Get 300 bonus reward points on spending a minimum of Rs 30,000 in a month.
• Citi Rewards Card Offer: Get 1000* Amazon Pay Gift Card on spends of Rs 5000 or more within the first 60 days of card issuance.
• Earn reward points which never expire: Redeem your reward points or collect them for as long as you want as these reward points do not expire.
• Annual Fee Waiver: Get the annual fee of Rs 1000 (plus taxes) waived off on minimum spend of Rs. 30,000.
• Do more with your reward points: Enjoy amazing reward points redemption options including instant redemption via SMS, holidays, air miles, cash back, and premium merchandise.
• Contactless Payment: Pay through the most convenient way by simply tapping your credit card on the terminal accepting contactless cast.
• Instant loan: Get an instant loan on your Citi Rewards Credit Card.

Promotions for Citi Rewards Credit Card

• Dining Privileges*: Save up to 20% on dining across participating restaurants with your Citi Rewards Credit Card.
• Shopping Privileges*: Get great EMI options on online travel booking and shopping at over 2000 stores.
• Citibank Privileges*: Get over 26,000 offers on travel, shopping, spas, hotels, golf, entertainment, and more. These privileges are exclusively for Citibank cardholders and can be availed in India and 30 other countries.

Eligibility Criteria for Citi Rewards Credit Card

• The applicant must be an Indian citizen and should be between the ages of 23 and 60 years.
• The applicant must have a CIBIL score of 700 and above.
• The applicant must have a minimum income of Rs 25,000 per month
• The applicant should be able to produce all the required documents.

Required Documents for Citi Rewards Credit Card

• Proof of Identity and Address: Proof of possession of Aadhaar number/ Valid passport issued by the government of India/ Valid driving license
• Latest two salary slip for Salaried Applicant
• Latest year ITR with audited financials and computation of income for self-employed applicants.

How to apply for Citi Rewards Credit Card

You can apply for your Citi Rewards Credit Card through Investmentcover.com as it is the most convenient way to apply for credit cards, loans and other financial stuff. All you need to do is share few tidbits about you like your name, occupation, monthly income, etc. and you’re done. The next part will be handled by the Investmentcover.com team as they forward your application to Citibank.

Applicants with good credit scores have a greater chance of credit card approval.

1. Click here to start your credit card application process.
2. Fill the basic requirements asked in the online credit card application form to check if you are eligible or not.
3. You will be redirected to the online credit card application page (if found eligible) where you will fill the online application form and submit it after uploading the required documents.
4. You will receive your Citi Rewards Credit Card within a few working days after the approval of your credit card application.

Fees & Charges of Citi Rewards Credit Card

Fees/Charges	Amount
Joining Fee	Nil
Annual Fee	Rs 1000 (+ taxes)
Cash advance fee	2.5% of the transaction amount, subject to a minimum of Rs 500
Fuel transaction charge	1% of the transaction amount, subject to a minimum of Rs 10 (waived at authorized Indian Oil Corporation outlets only)
Reissue of lost, stolen or damaged card	Rs 100
Interest rate	3.5% per month (42% per annum)
Cash deposit at Citi branches	Rs 250 per deposit

 

Late Payment for Citi Rewards Credit Card

Amount (in Rupees)	Late payment fees (in Rupees)
0 – 1000	Nil
1001 – 5000	450
5001 – 10000	700
> 10,000	950

 

Reward Point Benefits on your Citi Rewards Credit Card

Earn a variety of reward points when you shop with your Citi Rewards Credit Card and redeem them easily for extraordinary options from a plethora of categories including travel, premium merchandise, shopping and much more. Citi Rewards Credit Card boasts about a flexible rewards program and reward points which never expire so you are free to redeem your reward points whenever and wherever you wish.

You can avail the following reward points on your Citi Rewards Credit Card:

• 10X Reward Points on apparel and departmental store spends.
• 1 Reward Point for every Rs 125 spent on all other categories.
• 1500 bonus reward points on using your card within 30 days of card issuance.
• 1000 bonus reward points on spending Rs 1000 within the first 60 days of getting the card.
• 3000 bonus reward points on spending a minimum of Rs 30,000 in a month.

You can redeem your Reward Points in the following ways:

• Instant redemption via SMS for transactions done at authorized outlets and select merchant partners.
• Online and offline shopping
• Miles transfer
• Cashback
• Gift vouchers

Minimum Reward Points required for redemption:

Category	1 Reward Point equals	Minimum Reward Points required for redemption
Fuel (at participating Indian Oil outlets)	Re 0.25	1000
In-store shopping at partner stores	Re 0.30	250
Online shopping	Re 0.25 for Travel Sites Re 0.30 for Other Online Shopping	250
Air Miles (On Air India and InterMiles as Frequent Flyer Membership miles)	0.75 miles	100
Cashback	Re 0.35	10,000
Gift Vouchers	As per catalog	0

 

Citi Rewards Credit Card Rewards

Category	Where to get Reward Points	How to redeem Reward Points
Fuel	At over 1200 participating IndianOil outlets.	Instant redemption via SMS.
Offline Shopping	Instant redemption at select partner stores.	Instant redemption via SMS.
Online shopping	Instant redemption via SMS against movie tickets, arrangements, mobile services, and hundreds of things you would love to own at online mega-stores.	Instant redemption via SMS.
Air miles (added to your existing Frequent Flyer air miles)	On Air India and Jet Airways	Call at the 24x7 customer care number (given below in the customer care section)
Gift Vouchers for popular brands.	Instant redemption against premium brands.	Browse through the Citibank Rewards Catalog, pick what you like and place an order using your points.

 

How to check your Citi Rewards Credit Card reward points?

You can check your Citi Rewards Credit Card reward points through 2 ways:

1. By your latest credit card statement.
2. By sending an SMS: SMS ‘REWARDS XXXX’ (where XXXX stands for the last 4 digits of your card number) from your registered mobile number to 52484 for Airtel, Aircel & Vodafone users or to 919880752484 for other network users.

How to redeem Citi Rewards Credit Card reward points?

You can redeem your reward points through a variety of ways like:

• Instant redemption via SMS.
• Redemption against gift vouchers.
• Redemption against Air Miles.
• Redemption against card outstanding.
• Redemption via online shopping at select outlets.
• Redemption via offline shopping at select outlets.
• Redemption via cashback.

Customer care for Citi Rewards Credit Card

You can contact Citibank in any of the following ways:

1. You can call Citibank on their 24x7 helpline: For India: 1860 210 2484 (Local call charges apply) & For outside of India: +91 22 4955 2484
2. You can log in to the Citibank home page using your IPIN (Internet Password) and click on ‘Your Queries’ link to write and send them your query.
3. You can contact Citibank through their postal address: Citibank, N.A., Mail Room, Acropolis, 9th floor, No.148, Dr. Radhakrishnan Salai, Mylapore, Chennai – 600 004.
4. You may also send an email to head.customercare@citi.com or call the bank at 1800 425 2484 (toll-free) or at 022-49552425 (local dialing) between 10 am to 6 pm (Monday-Saturday).

Citi Rewards Credit Card Online Application Status

To check your Citi Rewards Credit Card online application status:

• Visit Citibank’s official page and click on the ‘Credit Card’ tab in the menu bar.
• Choose the ‘Track Application Status’ option from the drop-down menu which will redirect you to a new page.
• Enter your Application Reference Number and your mobile number which you entered in your application and submit.
• Upon following the above steps correctly, you will get one of the following application statuses: Approved, Disapproved, Dispatched, In-progress or On-hold.

Please wait for at least 2 days before requesting a status update on your credit card application as it may take a minimum 2 days’ time for your Application Reference Number to reflect in the system.

Citi Rewards Credit Card Bill Payment

You can make a bill payment to your Citi Rewards Credit Card through a number of ways:

Step #1: Payment via Citibank Online: You can pay your bill through your Citibank Savings Account by clicking here.

Step #2: Payment via Citi Mobile App: Payment through your Citi Mobile App is the most convenient and easiest form of bill payment there is.

• Log in to your Citi Mobile App by your User ID and IPIN.
• Select the home page and go to menu options.
• Select the Credit card Bill payment option.
• Select the Credit card number for payment, enter the amount and click on ‘Make Payment’.
• Alternatively, you could also click on your credit card from the account dashboard and click on the ‘Make a payment’ option.

Step #3: Payment through NEFT: You can get funds credited to your credit card through the NEFT option even when you pay via a Non-Citibank account. Fund transfer request before 6 pm on weekdays and working Saturdays are credited on the same day while they are credited on the following working day if the request is made after 6 pm on non-working days.

1. Login to your Non-Citibank account and click on NEFT fund transfer.
2. Add your Citibank credit card as a payee for fund transfer.
3. Make the payment towards the card added via NEFT.
4. Use the following details while doing a payee addition:

• Payee Name: Name as it appears on your Citibank Credit Card
• Payee Account Number: Valid Citibank credit card number
• Bank Name: Citibank N.A.
• Payment Account Type: Select any account type
• IFSC Code: CITI0000003 (customers residing in any city can make a payment using CHENNAI IFSC code)
• Branch Address: CHENNAI (customers residing in any city can make a payment using CHENNAI as branch address)

Step #4: Payment through E-Pay: Through E-Pay, you can pay your credit card bills online even if you do not have a Citibank banking account. This normally takes around 2 working days to get credited (excluding Saturday and Sunday).

• Click on E-Pay.
• Enter card number and amount to pay.
• Choose the bank account to be debited.
• Login to your account, verify details and confirm payment.

You can also pay through E-Pay via other bank websites. The banks where Citibank is currently listed as a Biller are HDFC Bank, ING Vysya Bank, State Bank of India, IndusInd Bank and Yes Bank.

Step #5: Payment through Citibank accounts such as Standing Instruction (SI): You can set up a standing instruction to pay either Minimum Amount Due (MAD) or Total Amount Due (TAD) through Citibank Online credit card payment option.

Step #6: Payment through RTGS: Payments initiated via RTGS before cut-off would be credited to the card amount by the end of the same business day. Fund transfer request before 4:30 pm on weekdays and working Saturdays are credited on the same day while fund transfer request after 4:30 pm on non-working days are credited on the following working day.

Step #7: Payment through Cheques: To make your credit card payment through cheque, please make your cheques/drafts payable to ‘Citibank credit card number’ and mention your 16-digit card number. Also, mention your name and contact number on the backside of the cheque/draft. You can drop your cheque/draft into the drop-boxes placed at Citibank ATMs. The turn-around time is 3 working days for payment made by cheques.

Termination/Revocation of Citi Rewards Card Membership

You may terminate your Citi Rewards Card Membership any time you want by writing to Citibank or by calling the CitiPhone helpline. The entire card outstanding dues and loans or EMI facilities linked to your credit card will immediately become due. You may continue to receive monthly statements, reflecting the actual outstanding, even after closure of the card account.