Citibank Rewards Credit Card is one of the best Credit Cards that you can apply for. With this credit card in your pocket, the list of benefits just won’t seem to end! Here are a few details about the popular Credit Card and its benefits.
You can apply for Citibank Rewards Credit Card by visiting the Finserv MARKETS website and following the steps given below:
The Citibank Rewards Credit Card, as the name suggests, comes with a long list of rewards! Here are the key highlights:
Earn 10X Reward Points on spends at apparel and departmental stores with your Citi Rewards Credit Card. Earn 1 Point for every Rs 125 on all other purchases
Get 1,500 bonus points on your first spend made within 30 days of Rewards Card issue. Get 1,000 bonus points on your first spend of Rs. 1000 made within 60 days of card issue.
Get up to 300 bonus reward points on card purchases of Rs. 30,000 or more in a month.
Using your Citi contactless card has just got a lot easier. Simply tap your card on the terminal accepting contactless card. It’s safe, fast and secure. What’s more? For transactions up to Rs2000*(within India), you don’t even need to use your Personal Identification Number (PIN).
With your Citi Rewards Card, you can either redeem or keep collecting - your points never expire.
Get the most out of the most flexible rewards program. Enjoy amazing redemption options like instant redemption of reward points, air miles, cashbacks and discounts on premium merchandise.
Sr No |
Reward Point |
Reward Point Value |
1 |
Get 1,500 bonus points on your first spend made within 30 days of card issuance |
1500 |
2 |
Get 1,000 bonus points on your first spend of Rs.1000 made within 60 days of card issuance |
1000 |
3 |
Earn 10 Reward Points for every Rs. 125 spent at apparel and department stores with your Citi Rewards Credit Card |
10 |
4 |
Continue earning Reward Points at rate of 1 point for every Rs.125 on all other purchases |
1 |
5 |
Get up to 2,500 points on your Rewards Card activation |
2500 |
Title |
Details |
Annual Fee |
Rs. 1,000 (waived off on spending Rs. 30,000 in the preceding year) |
Cheque/ECS/ACH bounce charge |
Rs. 500 per returned instrument |
Extended Credit Charges |
3.25% p.m. / 39% p.a. |
Outstation Cheque Charge (based on the value of the cheque) |
Up to Rs. 10,000 – Rs. 50 per cheque |
Rs. 10,001 to Rs. 1,00,000 – Rs. 100 per cheque |
|
Above Rs. 1,00,001 – Rs. 150 per cheque |
|
Reissue of lost, stolen or damaged card |
Rs. 100 |
Cash Advance Charges |
2.5% on the billed amount withdrawn*, subject to a minimum of Rs. 500 |
Railway ticket booking surcharge |
1.8% of the transaction value |
Fuel transaction charge |
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) |
Overlimit Charges |
2.5% of the amount (excluding fees, charges and taxes) over the credit limit, subject to a minimum of Rs. 500 |
Late Payment Fee |
NIL for statement balance up to Rs.1,000 |
Rs.450 for statement balance above Rs.1000 and up to Rs.5,000 |
|
Rs.700 for statement balance above Rs.5,000 and up to Rs.10,000 |
|
Rs.950 for statement balance above Rs.10,000 |
You can call on Citibank Customer Care team helpline number 1860 210 2484 for any queries.
From your Citibank account |
|
Citibank Online (Standing Instruction) |
With Citibank Online Credit Card payment option, you can easily set up a standing instruction to pay either minimum amount due or total amount due. |
Citi Mobile |
Citi Mobile is the easiest method to pay Citibank Credit Card from your Citibank Account. It’s extremely simple to pay using your mobile. All you need to do is visit m.citibank.co.in to pay your Credit Card bill using your mobile. |
From your other Bank account |
|
IMPS and NEFT (new) |
With IMPS option, credit card bill payments can be easily made 24X7 (including holidays) from any of your bank accounts. |
RTGS |
Payments initiated by customers through RTGS prior to cut-off would be credited to the card account on the same day. Funds transfer request before 04:30 P.M on weekdays and working Saturdays are credited on the same day. Funds transfer request post 04:30 P.M on non-working days are credited on the following working day. |
E-PAY |
Citibank's E-Pay method allows you to pay your Credit Card bills online even if you don't have a Citibank banking account. This will usually take 2 working days (excluding Saturdays & Sundays). |
ACH/ECS |
Your funds are transferred from your account with other bank through a facility called the ACH (Automated Clearing House, earlier referred as ECS). You’re required to provide a signed mandate to Citibank authorizing the transfer of funds from your account with other bank. |
Visa Money Transfer(VMT) |
When you pay your Citibank Credit Card bill from a non-Citibank account, you can use Visa Money Transfer (VMT) option. Depending on the processing timelines of your bank, this will take up to 5 working days to get credited to your Citibank Credit Card. |
Card payment from other bank website |
Citibank Credit Card has been added as Utility Biller with other banks. This option allows you to pay when you login to Online Banking platform of your non-Citibank Bank account. This will normally take up to 3 working days (excluding Saturdays & Sundays) to get credited into your account. |
In case you have not registered for Citibank Credit Card NetBanking facility.
Follow the steps mentioned below for Citibank credit card login.
Go to Citibank login page
Enter User Id and Internet Password (IPIN)
In case you don’t have a User Id and Internet Password, click on “First Time User”
Click on “Login” to view your Citibank credit card account
Below are a few tips and simple practical measures to stay safe online.
Do not select the option "autosave" on your browsers for storing your user name and password when you login to Citibank Online
Make sure your computer has the latest version of the anti-virus software. Download the updates of this software on a regular basis to protect your computer against new viruses
Get your computer updated with the latest versions of the browsers and operating system
Install a personal firewall and the latest anti-virus software on your computer. This will prevent unauthorized access to your system, particularly when they are linked through broadband connections, digital subscriber lines or cable modems. Update the anti-virus and firewall products with the latest versions on a regular basis
If you are using a shared computer, you should clear your browser's cache and history after each session so that your account information is removed
If you are using a Windows OS, ensure that File & Print sharing is disabled when you are online
Use an Internet browser that supports 128-bit encryption
Disable AutoComplete on your browser to prevent the browser from storing the password.
Yes, Citibank Rewards Credit Card is one of the best Credit Cards available in India.
Yes, all Citibank Reward Card holders get complementary airport lounge access.
Yes, you can easily apply for the Citibank Credit Card online in a few simple steps.
As per RBI circular dated January 15, 2020 on Enhancing Security of Card Transactions, all Citi Cards (both debit and credit) issued to customers including new, reissued, renewed or upgraded cards, will be enabled for Domestic ATM and Point of Sale (POS)/physical transactions only. The cards will be disabled for International and Online transactions.
In addition, if customers have not used their existing card for international, online or ecommerce transactions in the last 3 years (including cards issued or new accounts opened during this period), usage for these purposes will be mandatorily disabled.
Customers can enable/disable their card for International and Online transactions on Citibank online or on the Citi Mobile app. They can also set the domestic daily limit for ATM, POS and Online transactions.
Your card will be active till the last day of the month of expiry. The existing card will be renewed automatically and dispatched 2 weeks prior to the expiry of the card. This is applicable for renewal of add-on cards as well.
For example, if your card is due to expire in April 2017, the same will be active till April 30, 2017 and the renewed card will be dispatched around the second week of April. If the old card is valid through 04/17, then the renewal card will be valid from 05/17. On expiry, the existing card plastic will not be valid for usage.
The renewed card will have the same card number, however the CVV and expiry date will differ. For security purpose, we request you to destroy the expired card plastic