Citi Rewards Credit Card Review

Citi Bank is one of the top credit card providers in India. They provide different types of credit cards to cater to the needs of different customers. Citi Rewards Credit Card is one of them. This card is specially designed to offer reward benefits to its users, it also offers a big discount on dining and an always helpful concierge service. So let’s have a closer look at its benefits and see who is going to be most benefited from it. 

Eligibility Criteria:

  • Resident Type:  
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹25,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Income tax return should be greater than ₹3 lakh. 
  • Good CIBIL Score (750 or more). 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary-slip, 3 months.  
      • ITR
    • Self-employed person
      • Latest income tax return. 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: This Will be communicated at the time of sourcing. 
  • Annual Fee: This Will be communicated at the time of sourcing. 


  • Welcome benefit:

With the first successful transaction of this card, you will get 1,500 reward points as a welcome gift. The transaction should be done within the first 30 days. 

Also if you can spend ₹1000 within the first 60 days of the card issuance, you will get 1000 bonus reward points. 

  • Reward benefit:

With this card, you can earn 1 reward point for spending ₹125 on all categories.

 Also will get 10X reward points for the same at online and physical departmental stores.

You will also get 4 reward points for every ₹125 to spend on Amazon, Myntra, and Flipkart. 

  • Dining benefit:

This card offers up to 20% off on your dining bill at all partners’ restaurants across India.

  • Fuel surcharge waiver:

This card offers a 1% waiver on fuel surcharges, this feature is applicable at all Indian Oil fuel stations in India and the transactions made at Citi EDCs (electronic data capture terminals). You will a minimum waiver of ₹10

  • Concierge Service:

This card offers you always helpful and active concierge service, you can get assistance from them for dining arrangements or organizing a party for you, etc. 

  • Contactless facility:

This card comes with a new contactless payment facility, which reduces the chance of displacement and lost cards. Since you don’t need to hand over your card to make payments. 


  • Cash Withdrawal Charge: 2.5% against the withdrawn amount, Min ₹500. 
  • Finance Charge: 3.50% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount.  

Contact Details:

Citi bank credit card customer care:



Citibank credit card email id:

100xGain Ratings:


Final Opinion:

Citi Rewards Credit Card is a basic credit that comes with basic features and a hustle-free experience. The main aspect of this card is reward points. You can earn up to 10X reward points on every transaction made with this card, and it also offers a 20% discount on dining.

So I think only those who want to earn reward points from everyday purchases can keep this card as a secondary credit card. The beginners can also use this card to build their credit score

But if you are looking for a reward credit card, and if you are ready to pay a little more, then I would recommend you to go for American Express SmartEarn Credit Card, and if you are ready to pay around ₹1500 as an annual fee, then you can go for Axis Bank Privilege credit card

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