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If you love shopping and travel, then the Citi Rewards Credit Card is a must have for you. There are many thousands of offers across Dining, Shopping, Movies, Travel & EMI. Although it’s a beginner level card but you can earn decent rewards points from your shopping and get exciting offers which help you spend less.

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Fees

Joining fee – NIL

Annual fee – Rs. 1,000 which is waived-off if you spend Rs. 30,000 in a year.

Features & Benefits

Welcome Bonus

You can get 1,500 bonus Rewards points on your first spend made within 30 days of card issue. 1 Rewards point = Rs. 0.35 (cash) or 0.75 miles.

You can earn another 1,000 bonus points on your first spend of Rs. 1,000 made within 60 days of card issue.

Use my referral link to apply online and get Rs. 1,000 cashback. You need to spend only Rs. 5,000 within 60 days of card activation.

Rewards Points

You can earn 10 Reward points for every Rs. 125 spent at apparel and department stores.

You can also earn 1 Rewards point for every Rs. 125 on all other purchases.

Earn additional 300 bonus Rewards points on card spends of Rs. 30,000 or more in a month.

Rewards points never expire.

Redemption

Redeem your Rewards points at over 1,200 participating IndianOil outlets @ Rs.0.25 per point.

Instant redemption at select partner stores, gift vouchers from premium brands, movie tickets, travel arrangements, mobile services, and hundreds of things you’d love to own at online mega-stores.

Redeem Rewards points on Air India and Jet Airways as Frequent Flyer membership miles @ 0.75 miles per point.

Adjust points against your Statement outstanding @ Rs. 0.35 per point.

Pro-Tips

Apply online and be eligible for Rs. 1,000 cashback.

Save up to 15% at restaurants which have partnered with the credit card.

Look for exclusive deals on travel tickets, movies and dinning.

Redeem Rewards points across air-miles for better conversion rate.

Bottom Line

The only drawback of Citibank is that they have very limited branches. But their services are great and they do their best to avoid customers need to visit their branches. It’s good for people living in a city where Citibank is having their branches.

Though it’s a beginner level card but you can get lot of exciting deals across various categories which make the card worth having. If you are interested, follow the link below to apply.