Citi Rewards Domestic Credit Card

Card Details

Earn 10 Reward Points for every Rs125 spent at Apparel & Department Stores, capped at Rs.7000 (or 560 points) per billing cycle. Beyond this, the customer will earn 1 point per Rs.125 spent.
Earn 1 Reward Point for every Rs125 spent on your Card anywhere.
Enjoy over 6,000 offers across Dining, Shopping, Movies & EMI.
Enjoy attractive redeeming options including holidays, premium merchandise.
Instant redemption at over 600 partner stores including Shoppers Stop, Westside, Landmark, The Mobile Store, Univercell, William Penn, Titan, and Reliance.
Get 1,000 bonus points on your first Rs. 1,000 spend made within 60 days of the Card issue.
Annual fee of Rs. 1000 waived off on card if Rs. 30,000 or more spent in the first year.
Up to 20% savings at restaurants.

Pros	Cons
Annual Fee Waiver Points Never Expire	International Transaction Facility Not Available Card Replacement Fee Applicable No Lounge Access No Golf Privileges No Insurance Cover

Annual Fee: Rs. 1,000
Joining Fee: Rs. 1,000
Add-on Card fee: Nil
Interest Rate (initial rate at card issuance): 3.25% (monthly) or 39% (annual). The rate of interest varies between 3.10% p.m. (i.e. 37.20% p.a.) and 3.50% p.m. (i.e. 42.0% p.a.). This rate is dynamic and changes periodically based on parameters like repayment pattern, utilization, spending, etc. The maximum interest rate, in the event of default, is 3.5% p.m. or 42% p.a.
Cash Advance fee: 2.5%, subject to a minimum of Rs.500 and US$7.5 at International ATMs.
Late Payment Charge: Rs.300 for bill balance up to Rs.10,000; Rs.600 for bill balance from Rs. 10,001 – Rs. 25,000; Rs.950 for bill balance above Rs.25,000
Overlimit charge 2.5% of the amount over the credit limit, subject to a minimum of Rs.500
Fuel Surcharge: 2.5% waived at Indian Oil outlets for transactions done on Citibank EDCs, subject to a minimum of Rs.10.
Railway Ticket Booking or Cancellation Surcharge: 1.8% of the transaction value for regular transactions and 2.8% of the transaction value for 3 EMI transactions through online booking at irctc.co.in. And, 2.5% of transaction value on bookings through railway counters, subject to a minimum of Rs.25.
Card Replacement fee: Rs. 100
Foreign Currency Transaction: N/A
Grace Period: From the date of purchase to Payment Due Date. If part payment is made, there would be no interest-free period and interest charges would be applicable (including on fresh purchases, if any) via an average daily balance method.

Earn 10 Reward Points for every Rs125 spent at Apparel & Department Stores, capped at Rs.7000 (or 560 points) per billing cycle.
Earn 1 Reward Point for every Rs125 spent on your Card anywhere.

Reward Rate: Rs. 0.35 per Rs. 100 spend.

Get 1,000 bonus points worth Rs. 350 on your first Rs. 1,000 spend made within 60 days of Card issue.

Annual fee of Rs. 1000 waived off on card if Rs. 30,000 or more spent in the first year