Citi Rewards Credit Card

The famous multination group Citigroup financial arm, CitiBank India offers a wide range of banking products and financial services. This bank comes with an array of cards offering different benefits to its clientele.

CitiBank rewards credit card is designed for the beginner credit card users issued mostly for the salaried individuals where the co. is banking with CitiBank. This card offers some of the coolest features such as contactless payment, 24 * 7 phone banking facility along with prudent fraud management.

Also this card offers to turn big purchases into small payments along with instant loan to get things done.

  1. Eligibility Criteria:
  2. Salaried :

Age: 21-60 years

Income: ITR > 3 lakhs

  • Non Salaried:

Age: 21 – 65 years

Income: ITR>5 lakhs

  • Documents Required:
  • Address Proof: 1 copy of Aadhar Card/ 1 copy of Voter Card, Employment Letter/ Business Establishment Proof
  • Id Proof: 1 copy of Pan Card + 2 copies of Photograph
  • Income Proof: Latest two salary slips/ Lastest year ITR with audited financials
  • Nationality: Indian
  • Fee:
  • Joining Fee: Free
  • Annual Fee: Rs. 1000 (waived off on annual spending > 30000)
  • Cashback:
  • Reward Points:

Earn 1 reward points for spending Rs. 125 on all purchases. Also will get 10X reward points at online and physical departmental stores.

1 reward point = Rs. 0.30

For purchasing of Rs. 30,000 or more in a month get 300 bonus points.

  • Airport Lounge Access:
  • Hotel Booking:
  • Dining: Enjoy up to 20% off on partner restaurants across India.
  • Golf:
  • Online Shopping:

Get 10% instant savings on Amazon

Enjoy 20% instant savings on food delivery while ordering from Swiggy

For the month of June using this card you can enjoy Rs. 350 off on Spotify annual subscription.

  • Fuel Surcharge: 1% of the transaction amount, subject to a minimum of Rs. 10. Waived at Indian Oil Corporation outlets for transactions on Citi EDCs (electronic data capture terminals)
  • Foreign Exchange Rate:
  • Insurance:
  • Card Loss Liability:

For reissue of card Rs. 100 will be charged.

This card offers insurance on unauthorized transaction.


  • Cash Withdrawal Charge: 2.5% on the withdrawn amount, minimum of Rs. 500.
  • Charges on over limit amount:
  • Customer Care Number:

8004407027(For MasterCard holders) / 1800114999(For Visa Cardholders) /18602102484/02249552484

  1. Email Id:
  2. 100X Gain Ratings: 5 /10
  3. Final Verdict: Being the free credit card with decent offers I would like to suggest this card as a secondary or for the 1st time card holders this is going to be must go card as this has all the basic facilities that a newbie will look out for but as the card doesn’t offer any airport lounge or movie ticket offers that’s why you shouldn’t feel bad if your primary goal is to use those services.

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