Citibank Rewards Credit Card Review

By | April 9, 2021

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

Although Citibank has limited cards, it addresses fairly well 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


  • 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 spends

1RP = Rs.0.35

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


  • Age: 18 years – 60 years
  • Occupation: Available for both self-employed as well as a salaried individual

The monetary requirement for the card has nowhere mentioned which means you have first to fill the application form for the card, after which the bank will connect you for further proceedings.

Documents Required

  • Identity Proof: 
    • PAN Card,
    • Aadhar Card,
    • Voter’s ID Card,
    • Driving License,
    • Ration Card
  • Address Proof: 
    • Aadhar card,
    • Voter’s ID,
    • Ration Card,
    • Electricity Bill,
    • Lease/Rent Agreement,
    • Utility Bills
  • Income Proof: Salary Slip of last 3 months
    • Bank Statement of last 6 months
    • ITR of an annual year

How To Apply?

You can apply for the card in the following manner:

  1. You have to visit the Citibank website or nearby Citibank branch to apply for the card.
  2. Fill up all the information to apply for the card
  3. Submit all the necessary documents required for the credit card

Our Suggestion

That is a very beginner card that has offered at no cost to salaried individuals. There is nothing more about the card, but this is best for those who spend much on online shopping.

Also, it gives high rewards for making transactions with Amazon, Flipkart & Myntra. You can go for this card if you want a basic card or a card which gives high online spending.


Strength Weakness
No joining feesNo reward on other spend
Good for online spend


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

Bottom Line

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


What is the total amount due on my Citibank Rewards Credit Card and how do I check the same?

The simplest way to know the total amount due on your credit card is to call 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 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 a case, the chief thing one person must do is inform the bank about this as soon as possible. Also, if you are a net banking user, you can block your card at an 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.

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