Citi Rewards credit card is offered by Citibank India that offer good reward points for shopping (apparel and department stores)
Citi Rewards Credit card Benefits
Welcome Benefit (total 2500 points = Rs 875)
- Get 1,500 bonus points on your first spend made within 30 days of card issue
- Get 1,000 bonus points on your first spend of Rs. 1000 made within 60 days of card issue.
Additonal Privileges:
- Access to special CitiBank card offers – see details Some examples of offers (keeps changing)
- 15% cashback at Snap deal
- 5% cashback on Reliance Digital
- 20% cashback at BigBasket
- 25% off on Swiggy
- Up to 15% savings across participating restaurants.
- 10% cashback on Booking.com
- 35 % cashback on Makemytrip Hotel booking
- Flat Rs 1200 cashback on Makemytrip Domestic flights
Rewards Collection
- Earn 10X Reward Points on spends at apparel and department stores. (max Rs 7000 / 560 points per month)
- Earn 1 Point for every Rs. 125 on all other purchases.
- Bonus on monthly Spends: Get 300 bonus points on card spends of INR 30,000 or more in a month.
Rewards Redemption
Redeem now or keep collecting for something big later – it’s a choice you have because your reward points will never expire.
- 1 Reward Point = Rs 0.35 (for statement cashback)
- 1 Reward Point = Rs 0.25 (on fuel redemption)
- Reward points value – Based on the earned points and redemption value – you will get a cashback of 0.28% on normal spend and 2.8% on apparel and department stores.
Fees
- Annual Fees : Rs 1000 (waived on annual spend of Rs 30000)
How to Apply – Apply online and you can get Rs 1000 cashback – See details
CitiBank Referral Program: Get Rs 2000 for every valid referral (upto 5 referrals per year) – See details
Documents needed:
- Proof of ID and Address (see documents)
- Last 2 salary slips
Summary
This card offer you good reward points on shopping. You can get approx Rs 2350 cashback every year for shopping + joining benefit of Rs 875. Also the yearly fees is waived off just by spending Rs 30K in year (Rs 2500 per month)
There are many credit cards offered by other banks with different features including discount on movies, groceries, dining as well as air travel and hotels, free international and domestic lounge access. Some of the cards offers excellent redemption rewards. See list of all credit cards offered and check which one you should go for.