Citi Rewards Domestic Credit Cards, Best Reward Credit Cards 2023
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Indialends, 25 Mar 2026

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Citi Rewards Domestic Credit Card

Key highlights of Citi Bank Rewards Domestic Credit Card

  • Earn up to 10X accelerated reward points on shopping at apparel and departmental stores.
  • Earn 1 reward point on each Rs 125 spent using Citibank Rewards Domestic Credit Card.
  • Redeem your accrued rewards points at over 700 merchant outlets and online shopping partners.

Features of Citibank Rewards Domestic Credit Card

  • Earn up to 1500 reward points on making the first transaction with the card within 60 days of card issuance
  • As a welcome benefit, you will get 1000 bonus points on your first spend of Rs.1,000 with your Citibank Rewards Domestic Credit Card within 60 days of card issuance.
  • Citibank offers the cardholders the Personal Concierge Services for making it easier for the customers to a party, make dinner reservations, travel bookings, etc.
  • Get a discount of 20 percent over 2,000 restaurants with your Citibank Rewards Domestic Credit Card.

Reward Program of Citibank Rewards Domestic Credit Card

  • Earn 10 reward points for each Rs.125 spent at departmental and apparel outlets in India.
  • On other spends earn you 1 reward point for every Rs.125 spent.
  • Rewards points are never expiring, and customers can redeem accrued points for any item of their choice, be it air miles, vouchers, or gifts.
  • Earn 300 bonus reward points on making card purchases worth Rs.30,000 in a month.
  • Earn 4X additional reward points on using the card at e-commerce websites like Amazon, Flipkart, and Myntra. The offer is valid until 15 August 2021.
  • Get cashbacks against redeeming reward points that you can adjust that with your outstanding credit card statements.
  • Accumulated rewards points can also be redeemed instantly for gift vouchers at top retail brands from the online catalog.

The eligibility criteria to apply for the CitiBank Rewards Domestic Credit Card

  • The minimum monthly income should be more than Rs.25,000
  • The minimum age should be 23 years
  • You can apply for a Citi Bank credit card only if salaried
  • The cardholder should be Indian or Non-Resident Indian

The documents required to apply for the CitiBank Rewards Domestic Credit Card

For Salaried

  • Completed application form
  • Passport-size photographs
  • Proof of identity (copy of PAN, Aadhaar, passport, etc.)
  • Proof of residence (utility bills, driving license, PAN, Aadhaar, etc.)

Salaried- Income proof

  • Latest salary slips
  • Form 16
  • Bank statements

Annual fee and charges

Annual Fee No annual fee for spends more than Rs.30,000. Rs.1,000 charged for spends lesser than Rs 30,000.
Joining Fee NIL
Interest Rate 3.75% per month
Late Payment Charges Between Rs 300 to Rs 700, depending on the outstanding balance
Late Payment Fee If statement balance is up to Rs.2,000 - NIL.
If balance is above Rs.2,000 and up to Rs.7,500 – Rs.600.
If balance is above Rs.7,500 and up to Rs.15,000 – Rs.950.
If balance is above Rs.15,000 – Rs.1,300.
Over Credit Limit Charge 2.5% of the amount (excluding fees, charges and taxes) over the credit limit, subject to a minimum of Rs.500.
Re-issue of lost / stolen/ Damage Credit Card NIL

How to apply for Citi Credit Cards at IndiaLends?

We provide you hassle-free and simple ways to apply for a credit card. You have to enter few basic details and we suggest the best credit card offers for you. Follow the steps given below to apply:

  • Click here to start the application process.
  • Enter your basic details like occupation, monthly income, city, and contact number. You will now see a list of credit cards for which you meet the basic eligibility criteria.
  • Find your preferred Citi credit card from the list and check your eligibility for the same.
  • If eligible, you can complete the online application

Once you apply, you will get a call from our representative who will assist you in delivering the credit card of your choice to your doorstep.

Apply online for Citi Bank Credit Card: Check your Citi Bank Credit Card Eligibility ✓ Offers ✓ Fee charges ✓ Reward Points ✓ Apply Online instantly at IndiaLends.

FAQ’s

Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.

The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.

Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.

Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.

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