Citibank rewards credit card review

The citi rewards credit card is an entry-level credit card offered by Citibank. This card is best suited for those who have a good credit score but don’t have enough experience in handling a credit card. In terms of benefits, this card offers reward points on every transaction, exclusive deals on dining, and a number of useful features that will make your life much easier.

This card operates on the Visa platform and the applicable interest rate on the card is 3.5% monthly. Now let’s have a closer look at the citibank rewards credit card benefits and see who is going to be the most benefit from it.

What is citi rewards credit card eligibility criteria?

• Resident Type:  
• Citi rewards credit card eligibility criteria for salaried person:
  • Age: 21 to 60 yrs. 
  • Income: Rs. 25,000 monthly. 
• Citibank rewards credit card eligibility criteria for self-employed person:
  • Age: 21 to 65 yrs. 
  • Income: Income tax return should be greater than Rs. 3 lakh. 
• A good CIBIL Score (750 or more) is needed to get a higher limit on this citi reward card. 

Once your citi rewards credit card application is submitted successfully, you will get a unique citibank credit card application reference number, you can use it to track the status of your application from the citi bank credit card status tracking page.

What documents are required to apply for the citibank rewards credit card?

• 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 (Income Tax Return)
  • Self-employed person
    • Latest income tax return. 
    • Proof of business
    • Recent audited financial report. 

As per the new rbi rules for credit card issuers, all new Citi credit cards are delivered in an inactive state. So, if you want to know how to activate citi rewards credit card for the first time? Then feel free to take a look at our faq page.

How much are the citi rewards credit card fees?

• Citibank rewards credit card joining fee: This Will be communicated at the time of sourcing. 
• Citibank rewards credit card annual fee: This Will be communicated at the time of sourcing. 

What is the benefit of Citi Rewards Card?

• A huge welcome bonus to make a wonderful start for you:

With the first successful transaction made using this citi rewards card, you will get 1,500 extra rewards as a welcome gift. The transaction should be done within the first 30 days of your citibank credit card activation. 

Also on spending Rs. 1000 within the first 60 days of the card issuance, you can win up to 1000 bonus citi bank reward points. 

• A powerful Citi credit card rewards program that will make your every transaction rewarding:

Category of transaction	Rate of earning citibank reward points
All categories of transactions made using this card	1 reward point for every Rs. 125 transactions
Transactions made at online and physical departmental stores	10x citi card rewards or every Rs. 125 transactions
Shopping at Amazon, Myntra, and Flipkart	4 citi credit card reward points for every Rs. 125 transactions

The value of the citibank credit card reward points depends on the redemption method, the table which is given below, describes the value of 1 reward point according to the reward redemption method.

Redemption method	Citibank 1 reward point value in rupees
Against fuel (applicable only at Indian Oil outlets)	Rs. 0.25
Shopping at any partners’ outlet	Rs. 0.30
Online shopping	Rs. 0.25 – on travel sites Rs. 0.30 – on shopping sites
Air miles (Air India)	0.75 miles
If redeemed into cash	Rs. 0.35
Citi card reward points redemption catalog	Depends on the product

• Enjoy a premium dining experience with huge discounts on your dining bills:

This citi rewards credit card offers up to 20% off on your dining bill. This citibank credit card offer is applicable at some selected partners’ restaurants in India.

• Enjoy freedom from paying fuel surcharges:

This citibank credit card offers a 1% waiver on fuel surcharges, this citi rewards credit card fuel surcharge waiver offer is applicable at all Indian Oil fuel stations and also on the transactions made at Citi EDCs (electronic data capture terminals). 

• A multilingual concierge service to assist you during your travel:

This citibank reward card offers a multilingual concierge service team to take care of the needs of their customers. You can get assistance like travel booking, table reservations at restaurants, gift delivery, etc. 

• Convenient citibank card payment options to make your life easier:

You can make your monthly citibank credit card payment online from your net banking account or by using any credit card payment app like Cred, Google pay, Paytm, Phone pe, But if you don’t have access to the above-stated citi credit card online payment options then, you can also pay your citi credit card bill offline.

• Make payment more conveniently with the new and improved contactless payment system:

This citi rewards card is equipped with an advanced contactless payment system that allows you to make payments by placing your city bank reward credit card over any contactless-enabled POS machine. 

You can also control the contactless citi credit card payment facility from your citi bank credit card netbanking account.

What are the citi rewards credit card charges?

Particulars	Payable amount
Charges for cash withdrawal by credit card	2.5% against the withdrawn amount, Min Rs. 500 (applicable once per withdrawal, you should also check your citi rewards card credit limit before making a withdrawal)
Citibank rewards card finance charge	The citibank credit card interest rate can go up to 3.50% monthly
Citibank international credit card transaction charge	3.5% against the transaction amount
Citibank credit card charges on add-on cards	None

How to contact the citi credit card customer care department?

• Call the citibank credit card helpline number: 1860-210-2484 or 022-4955-2484
• Write to the citi bank credit card customer care email id: customercare@citi.com 

100xGain Ratings:

5.5/10

Pros and cons of the citibank reward card:

Pros	Cons
It is a basic credit card which makes it good for beginners. You can earn citi credit card rewards from every transaction. This citibank credit card offers big discounts on dining expenses.	Apart from reward points, there is nothing attractive on this citi credit card. It does not offer anything in the shopping and entertainment categories.

Final Opinion:

After analyzing the citi rewards credit card benefits I can say that it 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 citi credit card rewards for shopping, you will also get a 20% discount on dining.

 But if you are ready to pay a little more, then I would recommend you take a look at the 100xGain top 10 credit card pages, you can also compare the alternative card options given below. 

Alternative cards of the citi bank rewards credit card: 

1. Axis bank titanium smart traveler credit card (Best for reward points and dining benefits)
2. ICICI bank instant platinum credit card (Best for dining and movie benefits)
3. ICICI coral american express credit card (Best for movie and dining benefits)