Citi Rewards Credit Card
- Joining fee
Rs. 1,000 plus applicable taxes (complimentary for Citibank Suvidha account holders)
- Annual fee
Rs. 1,000 plus applicable taxes (complimentary for Citibank Suvidha account holders)
- Best suited for
Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
1 Reward point for spending Rs. 125 and 10 Reward Points on Rs. 125 you spend on departmental stores.
- Welcome benefits
Up to 2,500 Reward Points
- Reward redemption
The Reward Points are redeemable against Air Miles, product catalog, or cash back whenever you want with a rate of 1 RP = up to Re. 0.30.
Benefits
- Movie & dining
A discount of up to 20% on dining at partnered restaurants.
Fees & charges
- Spend-based waiver
Get the renewal fee waiver on spending Rs. 30,000 or more in the previous year.
- Rewards redemption fee
Nil
- Foreign currency markup
3.5% on all foreign currency spends
- Interest rates
3.75% per month (45% per month)
- Fuel surcharge waiver
1% fuel surcharge is waived off at all Indian Oil outlets for a minimum fuel transaction of Rs. 10.
- Cash advance charges
2.5% of the amount withdrawn or Rs. 500 (whichever is higher)
Product highlights
- Up to 2,500 Reward Points as a welcome gift.
- 1 Reward Points per Rs. 125 you spend.
- 10x Reward Points on apparel & departmental stores.
- Get 300 bonus Reward Points by spending Rs. 30,000 or more every month.
- Spend Rs. 30,000 or more in the previous year and the renewal fee for the card can be waived off.
- 1% fuel surcharge waiver on all fuel transactions.
FAQs
Do I earn Reward Points on fuel transactions through this card?
No, you do not earn any Reward Points for fuel transactions with your Citi Rewards Credit Card.
What is the annual interest rate on this card?
The annual interest rate on the Citi Rewards Credit Card is 45% per annum (3.75% per month).
Can I redeem my Reward Points against Air Miles/InterMiles?
Yes, the Reward Points you earn through your Citi Rewards Credit card are redeemable against AirMiles/InterMiles at a rate of 1 Reward Point = 0.75 AirMile/InterMile.
Can I apply offline for the Citi Rewards Credit Card?
Yes, you can apply offline for the Citi Rewards Credit Card by visiting the nearest Citibank branch.
What are the categories against which I can redeem my Reward Points?
Redeem Reward Points earned against AirMiles/InterMiles, Product catalogue, fuel purchases on Indian Oil outlets, and cashback.