Core Rewards :
  • 7.5% RP 10x Reward Points on departmental stores max 500 RPs per month
  • 0.75% RP 1 Reward Points per Rs. 125 spent
  • Bonus 300 bonus Reward Points on monthly spend of Rs. 30,000
Milestone Rewards :
  • Monthly : Receive 300 bonus Reward Points upon spending a minimum of Rs. 30,000 per month.
  • Quaterly : N/A
  • Annual : N/A
No rewards on spends : Fuel, Educational institutions, Government institutions, Insurance, Toll Payments, and Utility Bills.
Rewards Redemption
How to Redeem :
  • Cashback in form of Statement Credit
Redemption options : Fuel, Cashback, Travel, Airmiles
Redemption fee : NIL
Transfer partners :
  • Intermiles
  • Air India Flying Returns
Complementary Benefits
Lounge access :
  • Domestic Lounge : N/A
  • International Lounge : N/A
  • Railway Lounge : N/A
Insurance Benefits :
  • Lost card liability : Upto Credit Limit
  • Personal accidental insurance : N/A
  • Air accidental insurance : N/A
Other Benefits :
  • Lounge Membership : N/A
  • Memberships Available With Cards : N/A
  • Spa Benefits : N/A
Golf Benefits :
  • Lessons : N/A
  • Games : N/A
Joining fees : 1000
Annual fees : 1000
Welcome Benefits : The credit card offers a welcome gift of up to 2,500 Reward Points, which includes 1,500 Reward Points upon completing the first transaction within 30 days and an additional 1,000 Reward Points after making a transaction of Rs. 1,000 or more within the first 60 days.
Quaterly Benefits : N/A
Annual Benefits : N/A
Forex markup charges : 3.50%
Fee reversal criteria : Spend Rs. 30,000 in a year
Minimum age : 21
Minimum ITR : 4.8L
Minimum Salary : 25000

Citi Rewards Credit Card Welcome Benefits

  • Welcome benefit: Receive e-vouchers worth Rs. 5,000 from select brands. Enjoy shopping, travel, fashion, and more with these versatile vouchers. Elevate your lifestyle from the moment you get your SBI Elite Credit Card.
  • Explore premium choices in travel, clothing, footwear, and shopping.
  • Your gateway to luxury and rewards begins with this exclusive welcome offer.

Citi Rewards Credit Card Reward Points/Cashback

The Citi Rewards Credit Card offers:

  • Movie and dining benefits with free movie tickets and dining discounts.
  • Reward rate of 2.5% on groceries, dining, movies, and department store spending.
  • Redemption options for gift vouchers or statement balance.
  • Complimentary travel memberships and airport lounge access.
  • Golf privileges and insurance coverage.
  • Core rewards of 4% on transactions, 5X points on select categories, and 2% on other spends.
  • Milestone rewards on annual spending.
  • No rewards on wallet transactions.

Citi Rewards Credit Card Reward Point Redemption

You can easily redeem your reward points with the Citi Rewards Credit Card:

  • Redemption Options: You can use your reward points for gift vouchers and statement cash.
  • Redemption Fee: There is no fee for redeeming your points.
  • Transfer Partners: The card does not offer any transfer partners.
  • Value: Each reward point is worth Re. 0.25 when redeemed for gift vouchers, products, or cashback.

Pros of Citi Rewards Credit Card

  • Attractive welcome benefits worth Rs. 5,000.
  • Access to domestic and international airport lounges.
  • Competitive reward rates on dining, groceries, and department store expenses.
  • Lucrative milestone rewards for high spenders.
  • Enjoy two complimentary movie tickets each month.

Cons of Citi Rewards Credit Card

  • Limited travel benefits, no lounge access.
  • Monthly bonus points require a high minimum spend.
  • Cap on department store rewards.
  • Limited redemption options.
  • Annual fee applies.
  • Foreign currency markup fee.
  • No travel or lounge insurance.
  • No rewards for specific expenses like fuel or insurance payments.

Citi Rewards Credit Card Benefits

  • Welcome Benefits: 1,500 bonus Reward Points on the first transaction.
  • Additional 1,000 bonus Reward Points for a Rs. 1,000 transaction within 60 days.
  • Milestone Benefits: 300 bonus Reward Points for monthly spends of Rs. 30,000.
  • Joining and Renewal Fee Waiver: Spend Rs. 30,000 to waive the Rs. 1,000 annual fee.
  • Fuel Surcharge Waiver: 1% off at authorized Indian Oil outlets on transactions above Rs. 10.
  • No lounge access, insurance benefits, or international lounge access.

Citi Rewards Credit Card Charges and Fee

  • Joining Fees: Rs. 1,000
  • Annual Fees: Rs. 1,000
  • Welcome Benefits: Up to 2,500 Reward Points
  • Quarterly Benefits: Not Applicable
  • Annual Benefits: Not Applicable
  • Forex Markup Charges: 3.50%
  • Fee Reversal Criteria: Spend Rs. 30,000 in a year to get the renewal fee waived.
  • Spend-Based Waiver: Annual fee waiver on spending Rs. 30,000 or more in the previous year.
  • Rewards Redemption Fee: None
  • Foreign Currency Markup: 3.5% on all foreign currency transactions.
  • Interest Rate: 3.75% per month (45% per annum)
  • Fuel Surcharge: 1% fuel surcharge waived at Indian Oil outlets for a minimum transaction of Rs. 10.
  • Cash Advance Charges: 2.5% of the amount withdrawn or Rs. 500 (whichever is higher)

Add-on Card Fee: Nil