Citi Rewards Credit Card

The Citi Rewards Credit Card provides you a smart approach to turning your everyday spending into great returns. This card is good when you use it because you get to earn points every time you use it, which you can later exchange with great stuff.

This gives the customer real-time offers, the satisfaction of winning, getting discounts, and the flexibility of redemption depending on you and the account spent over, you name it. If you intend to travel, eat out, or shop, this card is suitable for everyday activities.

Greatest Reasons to Request a Citibank Credit Card, Citi Points

1. Earn Big: 10 points per Rs. 125 at apparel and department stores.
2. Bonus Start: 2,500 points on activation.
3. Instant Redemption: Avail points directly with select partners.
4. Everyday Rewards: 1 point per Rs. 125 on other purchases.
5. Special Offers: Avail exclusive savings and promotions.
6. Versatile Redemption: Points can be exchanged for travel, shopping or gift vouchers.

What Benefits Come With The Citi Rewards Credit Card?

The Citi points Credit Card is your key to raking in invaluable points on each transaction. You can get up to 2,500 additional Reward Points with a membership fee of Rs. 1,000 instantly.

You will earn 1 Reward Point for every Rs. 125 spent, and 10x Reward Points for department stores and apparel purchases. Additionally, you will receive additional bonus Reward Points if you pay Rs. 30,000 or more in a particular month.

You can redeem your points for cash, gas, or AirMiles, among other advantages. The annual fee is Rs. 1,000, but it’s free if you spent Rs. 30,000 or more the year prior. With the Citi Rewards Credit Card, you may start earning immediately thanks to these benefits.

Key Citi Rewards Credit Card Benefits

• Ideal For Shoppers: Through this card, benefits on all your purchases would be maximized.
• Joining Fee: Rs. 1,000 + taxes but free for Citibank Suvidha account holders
• Annual Fee: Rs. 1,000 + taxes but free for Citibank Suvidha account holders
• Welcome Bonus: There is a welcome offer of 2,500 Reward Points maximum available upon activation of the offer processed.
• Reward Program: When a customer activates a card and pays the activation fees as well as subscribes to rewards they can earn up to 2,500 reward points.

Earning Rewards Made Easy with the Citi Rewards Credit Card.

Here are a few benefits that come with using the Citi Rewards Credit Card to boost your spending. Other benefits include direct redemption of reward vouchers and a cut-off on the cost of food. Find out how it promotes your daily spending.

• Dining Discount: Be more encouraged to eat out and get several partner restaurants offering discounts of up to 20%.
• Get Reward Points: General merchandise accumulates 1 Reward Point for every dollar spent on any purchase. The amount of Reward Points earned is a maximum of 10 points for every Rs. 125 spent on expenditures done in departmental stores.
• Flexible Redemption: You can use your reward points in any way you wish! In other words, you can simply cash them in, purchase merchandise from the catalog, or exchange them for airline frequent flyer points.
• Travel & Lounge Access: No special privileges arise in domestic and international lounges from travel.
• Extra benefits: This card is of great value, considering its flexible rewards program and savings on dining besides the benefits arising out of golf and insurance.

Fee Details

You may easily understand your expenses if only you know the fees associated with the Citi Rewards Credit Card.

• Waiver of Renewal charge: The intriguing aspect is that if you have spent Rs. 30000 in the previous year you are exempt from paying the yearly renewal fee. 
• Redemption Cost: In this service there are no costs associated with utilizing the reward points.
• Foreign Transaction Fee: 3. 5% is levied on any Transaction done in a foreign currency.
• Interest Rates: It carries an interest of 3 per month on the credit card. The rate of these fees is 75 percent of which the annual percentage rate is 45 percent.
• Fuel Surcharge: On cumulative purchases exceeding Rs. 10, Indian Oil’s stations present a discount of 1% for fuel surcharge.
• Cash Withdrawal Fee: This depends on whether you do a cash advance from an ATM or cash cheque; in the first case, you are charged $2 for every cash advance regardless of the amount. 5% of the amount or Rs. 500 ( whichever of these two is higher) will be charged.

Citi Rewards Credit Card: Main Benefits and Characteristics

Exciting Welcome Bonuses:

• Welcome Bonus: Earn 1500 Reward Points by completing your first purchase within 30 days of joining. 
• Extra Perk: Receive 1000 Reward Points for a transaction of Rs 1000 within 60 days of activating your credit card.

Monthly Milestones:

• Spend and Earn: Bonus Reward Points Up To 300 Which You Can Get If Your Monthly Spendings Were Rs. 30000 Or More.

Fee Benefits:

• Annual Fee Waiver: Do not pay Rs. 1,000 in annual fees by making an annual spending of Rs. 12,000 or more.

Fuel Savings:

• Fuel Surcharge Discount: For transactions of Rs. 10 and above, get 1% off on the fuel surcharges at terminals controlled by IOCL.

Reward Earning Structure:

• Points Accumulation: One Reward Point equivalent to 1 % on every Rs. 125 spent by them.
• Shopping Bonus: Earn 10 Reward Points for every Rs. 125 spent at apparel and department stores with a maximum usable points of 504 points in a month (which can be earned by spending Rs. 7,000 at least in the apparel and department store category).
• Exclusions: Do not accumulate points for fuel, education, government payments, insurance, toll payments, or utility balances.

Redemption Flexibility:

• No Expiry: Your points don’t have an expiry date you can gather reward points and use them however and whenever you want. 

Ways to Redeem and Use Your Citi Rewards Points 

There are several perks you can enjoy by using your Citi Rewards Credit Card points. 

• Travel Benefits: Apply 250 points to receive Re. 0.25 per point on travel bookings through online sites.
• Cashback Offer: Exchange 10,000 points for Re. 0.35 per point as cashback.
• AirMiles/InterMiles: Earn 0.75 InterMile for every 100 points redeemed.
• Fuel Savings: Use 250 points to get Re. 0.25 off per point at Indian Oil stations.
• Shopping Discounts: Redeem 250 points for Re. 0.30 per point on purchases at partner stores or online.

How to Qualify and Apply for the Citi Rewards Credit Card

The best thing about this credit card is that anyone qualifies and can apply for the Citi Rewards Credit Card. Below is an explanation of each of the probable requirements one needs to meet, the documents needed, and how one can get started with the application process in the simplest manner.

Eligibility Criteria

To be eligible for the Citi Rewards Credit Card applicants need to fulfil the following criteria:

• Age: The minimum age requirement is twenty one years.
• Income: One of the key requirements that must be met is to have a constant flow of income.
• Credit Score: It is preferred that the credit score has to be over 750.

Mandatory Documents 

The following documents will be needed for filling out the application form for the Citi Rewards Credit Card:

• Verify Your Identity: Upload any document such as rent receipt/ Stamp paper/ PAN Card/ Aadhar Card/ Driving License/ Voter’s ID/ Password.
• Confirm Address: Address to be confirmed with proof of Aadhar card, copy of recent utility bills, and passport.
• Income Proof: Please provide, as a mandate, the latest audited ITRs, bank statements, or salary slips.

Ways to Apply

To become a holder of the credit card and get using its services you can apply through the following procedures:

Online Application:

• Visit the Citibank website.
• On the credit cards ‘Apply Now’ shall be clicked.
• Select ‘Citi Rewards Credit Card. ’
• Click on ‘Apply Now’ and proceed with the online application by completing it with the necessary documents.

In-Person Application:

• You can submit your application to any branch of Citibank and present all the required documents.

Conclusion

The Citi Rewards Credit Card is fairly impressive. Especially to individuals who seek to maximize their spending. You receive site credits for signing up, the ability to use points flexibly, and great benefits such as waived fees and monthly cashback. If you are a shopping enthusiast or if you need a credit card that will pay back your spending habits’ this card offers a satisfying combination of rewards and discounts that is favorable for the shopper’s benefits.

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