Citi Rewards Visa Credit Card
Citi Bank
Last updated: Feb 03, 2026
₹1,000
₹1,000
3.5%
No lounge access
Contents
Citi Rewards Visa Credit Card is a popular shopping and lifestyle rewards credit card in India designed for everyday spends at apparel stores, department stores and regular retail purchases. You earn 10X reward points on selected shopping categories and 1 reward point per ₹125 on other eligible spends, making it ideal for cardholders who want consistent reward points instead of pure cashback. Points do not expire, and you can redeem them for vouchers, merchandise, fuel, air miles and statement credit, giving you long-term flexibility. This card suits beginners and intermediate users who want a simple rewards structure, reasonable fee and a strong focus on shopping and department store spends.
Features of Citi Rewards Visa Credit Card which makes it unique
Non-Expiring Reward Points
Reward points earned on the Citi Rewards Visa Credit Card do not expire as long as the account remains active and in good standing.
Lets you accumulate points over many years and redeem them for high-value travel or premium vouchers.
Many competing rewards credit cards in India impose a fixed validity period on reward points.
10X Points on Apparel & Department Stores
High accelerated reward rate when you spend at eligible apparel and department store merchants.
Can deliver attractive value-back for shoppers who frequently buy clothes, accessories and household items.
One of the stronger shopping-focused multipliers among entry-level rewards cards.
Rewards Structure of Citi Rewards Visa Credit Card
All Spends
baseAll eligible retail transactions except fuel, rent, wallet loads, cash advances and other excluded categories as per issuer policy.
Base rewards apply to most everyday spends and can be accumulated for vouchers, merchandise, air miles or statement credit.
Apparel & Department Stores
acceleratedTransactions at eligible apparel and department store merchants classified under specific MCCs.
This is the core benefit of the Citi Rewards Visa Credit Card and is ideal for frequent shoppers who spend regularly at clothing and department stores.
Online Shopping & Partner Offers
baseLimited-period online offers and partner campaigns on travel, tickets and e-commerce platforms, as communicated from time to time.
Citi often runs 10X and bonus reward campaigns on select partners, which can significantly boost overall reward earnings.
Fuel Spends (Redemption)
baseRedeeming accumulated Citi Rewards points at participating IndianOil petrol pumps.
Using reward points for fuel can help offset your fuel expenses without earning fresh points on fuel transactions themselves.
Reward Points Validity
baseAll reward points earned on the Citi Rewards Visa Credit Card.
Non-expiring reward points are a key advantage, allowing you to save points for high-value redemptions such as flights and premium vouchers.
Milestones of Citi Rewards Visa Credit Card
Monthly Spend Milestone
₹30,000 in a billing month : 300 bonus reward points credited in the next statement cycle.
Quarterly High-Spend Milestone
₹1,00,000 in a calendar quarter : 1,000 bonus reward points over and above regular earnings.
Annual Fee Waiver Milestone
₹30,000 in a membership year : Annual fee of ₹1,000 waived for the next year.
Fees & Charges of Citi Rewards Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹1,000 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee of ₹1,000 is waived on spends of ₹30,000 or more in the previous membership year.
Fee Explanation Standard Citibank/Axis Bank migrated credit card charges apply, including interest on revolving balances, cash advance fees, late payment charges, overlimit fees and applicable GST.
Detailed Explanation of Citi Rewards Visa Credit Card Fees
Joining Fee: ₹1,000 + GST (one-time)
Payable in the first year; sometimes offered as a limited-period discounted or waived fee via partner channels.
Annual/Renewal Fee: ₹1,000 + GST (yearly)
Waived on spends of ₹30,000 or more in the previous membership year.
Finance Charges: up to 3.5% per month (~42% p.a.) (monthly)
Applied on unpaid dues and cash advances as per statement if full payment is not made.
Cash Advance Fee: 2.5% (min ₹500) (transaction)
Charged on cash withdrawals from ATMs and over-the-counter cash advances.
Foreign Currency Mark-up: 3.5% + GST (transaction)
Applicable on international transactions done in foreign currency.
Late Payment Charges: up to ₹1,300 (per billing cycle)
Slab-based depending on total outstanding amount on the due date.
Overlimit Charges: 2.5% (min ₹500) (per occurrence)
Applicable when the outstanding exceeds the assigned credit limit.
Returned Payment Fee: ₹500 (per instance)
Leviable if a cheque, UPI or other payment mode is returned or fails.
Lounge Access Benefits with Citi Rewards Visa Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
No complimentary airport lounge access is bundled with the Citi Rewards Visa Credit Card; paid access via Visa programmes may be available at select lounges.
international Lounges
silverVisits per year: 0
Guest access: No
No complimentary international lounge visits; cardholders can use paid access or network offers where available.
Insurance Coverage with Citi Rewards Visa Credit Card
Lost Card Liability Protection
Up to full credit limit, as per issuer policyCardholder is protected against fraudulent transactions after loss reporting, subject to timely intimation and policy terms.
Purchase Protection (Network Benefit)
Coverage available on select transactions as per Visa programmeApplicable on eligible purchases and disputed transactions, governed by network and issuer terms and conditions.
Additional Features of Citi Rewards Visa Credit Card
Contactless Payments
Tap-and-pay enabled on POS terminals supporting contactless Visa payments.
Per-transaction limits apply as per RBI and issuer guidelines; above limit may require PIN.
Add-on Cards
Supplementary cards available for family members.
Shared credit limit with the primary card; spends earn reward points in the primary account.
EMI on Transactions
Convert large purchases into EMIs directly through internet banking, mobile app or SMS.
Tenure, interest rate and processing fee vary by transaction and offer.
Easy Online & App Management
Manage the Citi Rewards Visa Credit Card online via internet banking and mobile app.
Check statements, track reward points, redeem rewards and control card settings digitally.
Welcome Bonus with Citi Rewards Visa Credit Card
Welcome Bonus: 2,500 Reward Points
Bonus Conditions: Get 1,500 reward points on your first transaction within 30 days of card issuance and an additional 1,000 reward points on a purchase of ₹1,000 or more within 60 days.
Application Process for Citi Rewards Visa Credit Card
Processing Time
3–5 working days after successful document verification.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official credit card application page or a trusted comparison portal and select the Citi Rewards Visa Credit Card.
Fill in your personal, contact and income details and complete basic eligibility checks online.
Upload required KYC and income documents such as PAN, Aadhaar, address proof and salary slips/ITR.
Await verification and any additional telephonic or physical verification requested by the issuer.
On approval, your Citi Rewards Visa Credit Card is generated and dispatched, and you receive the card within a few working days.
Required Documents for Citi Rewards Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
Citi Rewards Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at most POS terminals and online merchants that support Visa credit cards.
International Acceptance
Accepted globally on the Visa network at ATMs, POS terminals and international websites.
Online Acceptance
Supported on most major Indian and international e-commerce, travel and bill payment platforms.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Citi Rewards Visa Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must be an Indian resident with a valid PAN, Aadhaar and stable income as per issuer policy.
How Approval Is Decided
- Minimum age of 18 years with stable income from salary or self-employment.
- Indian resident with valid KYC documents (PAN, Aadhaar and address proof).
- Clean credit history with a credit score typically around 700 or higher.
- Internal eligibility as assessed by the issuer based on reported income, obligations and bureau records.
Pros of Citi Rewards Visa Credit Card
- Simple rewards structure with clear 1X base and 10X accelerated categories.
- Non-expiring reward points, ideal for long-term optimisers.
- Low annual spend requirement to waive the renewal fee.
- Good value for frequent shoppers at apparel and department stores.
- Multiple redemption options including air miles, fuel, vouchers and statement credit.
Cons of Citi Rewards Visa Credit Card
- No complimentary domestic or international airport lounge access.
- Average base reward rate on non-bonus categories compared to some newer cards.
- Foreign currency mark-up of 3.5% makes it less attractive for heavy international travellers.
- Reward structure is focused on specific MCCs, so benefits may vary by merchant classification.
- Not a pure cashback card; value depends on optimising reward point redemptions.
Frequently Asked Questions about Citi Rewards Visa Credit Card
What is the joining and annual fee of the Citi Rewards Visa Credit Card?
The Citi Rewards Visa Credit Card typically charges a joining fee of ₹1,000 plus taxes and an annual fee of ₹1,000 plus taxes from the second year onwards. The renewal fee can be waived if you spend at least ₹30,000 in the previous membership year.
How many reward points do I earn on the Citi Rewards Visa Credit Card?
You usually earn 1 reward point for every ₹125 spent on most eligible retail purchases and 10 reward points for every ₹125 spent at select apparel and department stores. Additional promotional offers may give extra bonus points on partner platforms from time to time.
Do Citi Rewards points on this credit card expire?
Reward points on the Citi Rewards Visa Credit Card generally do not expire as long as your card account remains active and in good standing, which makes it easier to accumulate points over many years and redeem them for larger travel or shopping redemptions.
Does the Citi Rewards Visa Credit Card offer airport lounge access?
No, the Citi Rewards Visa Credit Card does not come with complimentary domestic or international airport lounge access. If airport lounges are important to you, you may want to pair this card with a separate travel credit card that has lounge benefits.
Is the Citi Rewards Visa Credit Card good for fuel spends?
You may receive a 1% fuel surcharge waiver at participating fuel outlets within specified limits, but fuel transactions themselves may not earn regular reward points or may earn reduced points. The card is best used for shopping at apparel and department stores rather than as a dedicated fuel credit card.
Who should consider applying for the Citi Rewards Visa Credit Card?
The Citi Rewards Visa Credit Card is suitable for salaried and self-employed individuals who spend regularly at apparel and department stores, want a simple rewards structure and prefer non-expiring points. It is especially useful for those who can consistently spend around ₹30,000 per year to enjoy an effective zero annual fee.
Can I convert my Citi Rewards points into air miles?
Yes, Citi Rewards points earned on this card can typically be converted into partner airline miles such as Air India and other participating programmes, subject to the latest transfer ratios and minimum transfer blocks defined by the issuer and its partners.
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