Citi Rewards Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Receive a welcome gift of up to 2,500 Reward Points. Earn 1 Reward Point for every Rs. 125 spent. Enjoy 10 times the Reward Points on purchases at apparel and departmental stores. Get an additional 300 bonus Reward Points by spending Rs. 30,000 or more each month. If you spend Rs. 30,000 or more in the previous year, the renewal fee for the card can be waived. Receive a 1% fuel surcharge waiver on all fuel transactions.

The Citi Rewards Credit Card is an excellent choice for those who love to shop.

With its reward type of Reward Points, this credit card allows you to earn points as you spend.

Joining fee for this card is Rs. 1,000 plus applicable taxes, but it is complimentary for Citibank Suvidha account holders.

The same goes for the renewal fee, which is Rs. 1,000 plus applicable taxes, but complimentary for Citibank Suvidha account holders.

As a welcome benefit, you can earn up to 2,500 Reward Points when you first obtain this card.

Additionally, you can enjoy a discount of up to 20% on dining at partnered restaurants, making movie dining even more enjoyable.

Furthermore, you can earn 1 Reward Point for every Rs. 125 you spend on shopping and 10 Reward Points for every Rs. 125 you spend on departmental stores.

This generous reward system allows you to accumulate points quickly and easily.

While this card does not offer specific benefits for travel, domestic lounges, international lounges, golf, or insurance, it does come with a spend-based waiver.

If you spend Rs. 30,000 or more in the previous year, you can get the renewal fee waived.

This is a great incentive to continue using the card and enjoying its benefits.

There are no rewards redemption fees associated with this credit card, which is another advantage.

However, do note that there is a foreign currency markup rate of 3.5% on all foreign currency spends.

The interest rate for this card is 3.75% per month or 45% per annum.

When it comes to fuel surcharges, the Citi Rewards Credit Card offers a waiver of 1% at all Indian Oil outlets for a minimum fuel transaction of Rs. 10.

This is a convenient perk for those who frequently need to fuel their vehicles.

If you find yourself in need of cash, this card allows you to withdraw with a cash advance fee of 2.5% or Rs. 500, whichever amount is higher.

Overall, the Citi Rewards Credit Card is a reliable choice for those who enjoy shopping and want to earn rewards as they spend.

With its attractive reward system, waiver opportunities, and dining discounts, this card offers great value for money.