• Spend 125 at apparel and department stores and earn 10 reward points
  • Every 125 spent on other purchases with this card earns you 1 reward point
  • Your first expense on this credit card within 30 days of issuance of the card earns you 1,500 bonus points.
  • Spend 1,000 on your credit card within 60 days of issuance and get 1,000 bonus points.
  • You get a bonus of 300 reward points on spending 30,000 or more in a month.
  • Dining at participating restaurants gets you discounts up to 15%
  • Split up your repayments into easy EMI options available at more than 2,000 leading retail chains and e-retailers
  • Your Citi rewards points never expire
  • Annual fee - 1,000. Spend 30,000 or more on your Citi Rewards Credit Card annually and get a waiver of the annual fee
  • Interest Rate - 3.25% per month. It amounts to 39% per annum. The rate can change periodically depending on your spending habits, payback, and utilisation patterns.


Check out your eligibility before you apply for the Citi Rewards Credit Card

  • The applicant should be 18 years of age on the date of application
  • Salaried employees are eligible
  • The applicant should earn a minimum salary of 6 Lakhs annual income
  • It is mandatory for the applicant to maintain a savings or a current account in an Indian or multinational bank in India
  • The applicant should have a permanent residential address
  • A good credit score and repayment history is an advantage


If all the above conditions are met, you are eligible to apply for the Citi Rewards Credit Card. Visit MyMoneyMantra and compare the best credit card offers before you apply. You can apply for your credit card online, but you need to keep the following documents ready for perusal.

Identity Proof

  • PAN Card
  • Aadhar Card
  • Passport
  • Driving Licence
  • Voter ID

Address Proof

  • Aadhar Card
  • Passport
  • Driving Licence
  • Registered Rent Agreement
  • Gas bill or Electricity bill

Income Proof

  • IT Returns for the previous two years
  • Proof of continuity of Employment/Business
  • If you are self-employed, your business should be running for a minimum of two years
  • Registered Rent Agreement

1. Is there a time-frame for the bank to process a credit card application?

The banks have certain formalities to follow. Adherence to KYC norms is one of them. Ascertaining your income level and employment/business profile is another. The banks always like to look at your credit history and repayment record. A credit score in the range of 700 and above is the ideal one for approving a credit card application. However, it is the bank?s discretion whether or not to offer you the credit card. Many banks give instant approval online, but the final decision depends on the perusal of your documents. It could take about 7 to 10 days for processing your Credit Card application.

2. Who will decide the limit for me?

The banks consider various factors before deciding on the limit. They look at your credit history and your income credentials. If you are applying for the credit limit for the first time, the banks offer a small limit. They monitor your account, usage and repayment patterns before deciding on providing a higher limit.

3. Is the Add-on card facility available on this credit card?

Yes, it is available, but there are no separate limits for the add-on Credit Cards. You get a composite statement of account every month.

4. How do I pay my Credit Card bill?

The best way to do so is to have a savings account in the bank that offers you the Credit Card. Fund this account and issue an auto-debit authority to the bank. They will deduct the payment on the due date. Alternatively, you can make the payment online via NEFT, IMPS, Net Banking, Mobile Banking, and other similar methods.

5. Do I have to pay interest on the amounts I spend on the card?

Every credit card comes with an interest-free period ranging between 20 and 50 days depending on the date of billing, payment, and your transaction. If you pay the Credit Card bill in its entirety, there is no need for paying any interest. However, if you choose to pay a sum equal to or more than the Minimum Amount Due of the card, the banks charge interest at the rate of 3.25% per month on the outstanding balance. 

Thank you for choosing to apply for CITIBANK REWARDSŪ Credit Card Before you start your application, please check all these statements are Correct.

  • I allow and authorize mymoneymantra & it's partners to override the DND registry and contact me by phone, email or sms about their products & services. I further accept & agree to your Terms of Use & Privacy Policy.
    Please select the Checkbox.
  • I Hereby consent to receiving information from Central KYC Registry through SMS/Email on the above registered number/Email address.
    Please select the Checkbox.
  • I have read the Authorization Statement, Know Your Credit Card, Card Member Terms and conditions and Most Important Terms and conditions and fully accept it and agree to be issued the Credit Card opted for by me.
    Please select the Checkbox.
  • From time to time, Citibank brings great products, offers & value addition to its customers. I authorize Citibank & its affiliates and/or partners to communicate these products and offers to me.
    Please select the Checkbox.
  • Are you a director/senior officer of Citibank and/or their Relative AND / OR director of other banks and/or their Relative?
  • Do you or your immediate family member/joint account holder or their immediate family members currently hold/have held/are being considered for a position as a senior public figure?

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