Citibank Rewards Credit Card Review

By | April 9, 2021

Citibank Rewards Credit Card is one of its beginner card, which is usually issued for free to salaried individuals whose company is working with Citibank. Citibank is the leading card issuer in the world but still it has to make long way to settle itself in India.

Although Citibank has limited cards as of now but it address fairly well to both the beginners & high spenders.

Citibank Rewards Credit Card


  • 2500 points as Welcome Bonus
  • Bonus Reward: On spending RS.30,000 in a month will get you 300 bonus points

Accelerated Rewards

  • 10 RP on every Rs.125 spent on apparel and department stores (online & in-store)
  • 4 additional RP on every Rs.125 spent on Amazon, Flipkart & Myntra
  • 1 RP on every Rs.125 on all other spend

1RP = Rs.0.35

Similar Read
Bank of Baroda Select Credit Card Review

Rewards points are not much attractive but what else we expect from a beginner card. You can make use of card to its best if make use of it for shopping.

However, you can still maximize the value of the reward points if you transfer them to Airmiles as you can strategically get Rs.1/mile value or more for your points as long as you know what you’re doing. Points and miles game is like an ocean.


  • Reward Rate: nearly 2.8%
  • Airport Access: Nil
  • Joining/Annual Fee: Joining/ annual fees for primary and additional card(s) is communicated at the time of sourcing
  • Fuel Surcharge: 1%
  • Foreign Exchange Markup Fee: 3.5%

As mentioned earlier, its a very basic card hence can’t expect more. As it is not of any use for high spenders, you can go for it if you are shopping freak and can use it against apparel, groceries, and in department stores. One advantage here is that you can redeem points against credit statement.

Citibank Rewards Credit Card


What is the total amount due and how do I check the same?

The simplest way to know the total amount due in your credit card is to call the customer support which can resolve all your queries at a time. Also you can check your card due by internet banking/mobile banking as well.

You can also give a missed call or can send a text message on the registered number of the bank to get brief information about your card remains.

My credit card has got debited for an unknown transaction – what can I do?

In such case the foremost thing a person is required to do is to inform the bank about this as soon as possible. Also if you are a net banking user, you can block your card at immediate time as well.

How can I view my statement online?

Follow the give steps to view you account statement

1: Login to and access your account using the User id and IPIN

2: Click on “eStatements” on the left han

3: Click “View your statement online”

4: Select the required month from the list of archived statements

Now you can view/download the e-Statement as per requirement

When will the reward points earned on my credit card will expire?

The reward points earned by you on your credit card will never get expired.

Spread the love

Leave a Reply

Your email address will not be published. Required fields are marked *