Citi Rewards Credit Card - Offer Terms and Conditions

1. Earn Reward Points:

1.1. 1 reward point on every INR 125 spent:

• Customer shall earn 1 reward point on every INR 125 spent anywhere on the Citi Rewards Credit
Card. The Reward points earned against purchases made on the credit card shall reflect in the
customer's card account on the transaction posting date.

• Purchase transactions performed on these Merchant Category Codes (MCC) as allotted by

Mastercard® & Visa shall not earn rewards: Transportation & Tolls (4111, 4121, 4131 & 4784),
Utilities (4900), Insurance (5960 & 6300), Educational Institutions (8211, 8241, 8244, 8249 & 8299)
and Government Institutions (9211, 9222, 9311, 9399, 9402, 9405 & 8220), refer section 1.6 for
additional details on MCC.

1.2. 10X Rewards on every INR 125 spent at Apparel & Department Stores:
• Customer shall earn 10 reward points on every INR 125 spent at Apparel & Department Stores up
to INR 7,000 per statement month. Incremental 9X bonus points is subject to a cap of 504 points
(i.e. 9X of INR 7000/125) per statement month.

• For net spends greater than INR 7000 under this category, the customer will earn 1 reward point
per INR 125 spent.

• Identification of apparel and department stores are based on MCCs (Merchant Category Codes)
allotted by Mastercard® & Visa (refer section 1.6 for additional details on MCC). For merchant
outlets not registered under the MCCs assigned for Apparel and Department Stores by Mastercard ®
& Visa customer will earn 1 reward point for every INR 125 spent on the card.

• For the purchases made under the 10X rewards eligible transactions, the incremental reward points
(i.e. 9X points) shall be credited to the customer's card account on the statement date of the
respective monthly billing cycle.

• Reversal transactions, if any, shall be considered for the calculation of net spends and monthly cap
in the statement month in which reversal transaction is posted. Therefore, the bonus reward points
deducted on the reversal transaction could be different from the reward points earned for the original
purchase transaction.

1.3. Summary of Reward points earn for every INR 125 spent:
Base Incremental 9X on
Merchant Category Rewards 1X Departmental & Total
Apparel stores
Departmental & Apparel stores
1 9 10

Others 1 - 1

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 Maximum incremental reward No Cap 504 points (i.e. spend -
points per statement month threshold of Rs. 7,000)

1.4. Bonus rewards: Customer shall earn 300 bonus rewards points on minimum spends of INR 30,000
in a month. “Month” is defined as statement month i.e. monthly billing cycle of your credit card. Billed
and unbilled spends under primary and additional cards for the said period will be considered. The
bonus rewards points shall be credited to the customer’s card account in the subsequent statement.

1.5. Merchant Category Code:

A Merchant Category Code (MCC) is a four digit number assigned to a merchant/business by the
merchant’s acquiring bank. The acquiring bank provides the credit card payment facilities used by the
merchant and it determines and applies (with respect to the account), the MCC which in its view best
describes the merchant activity. Citibank does not determine the merchant’s MCC. Citibank will not be
responsible for providing the 10X rewards points for purchases at merchant outlets/ franchisees that have
not registered themselves under the MCCs captioned below:

MCC Description

5311 DEPARTMENT STORES

5399 MISC GENERAL MERCHANDISE

5621 WOMENS READY TO WEAR STORES

5631 WOMENS ACCESS/SPECIALTY

5651 FAMILY CLOTHING STORES

5655 SPORTS/RIDING APPAREL STORES

5681 FURRIERS AND FUR SHOPS

5699 MISC APPAREL/ACCESS STORES

5691 MENS/WOMENS CLOTHING STORES

5641 CHILDREN/INFANTS WEAR STORES

1.6. Illustrative example on Rewards earn:

For a Citi Rewards Credit Card with statement cycle on 10th of each month, card statement is generated on
10th Dec for spends between 11th Nov to 10th Dec consisting of below transactions –
Posting Amount Reward Reward
date Transaction Type (INR) category points
(1/INR 125)
11th Nov Apparel (A) Purchase 4250 10X +34

18th Nov Departmental store (B) Purchase 6000 10X +48

19th Nov Airline Purchase 1500 1X +12

20th Nov Apparel (C) Purchase 1250 10X +10

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 5th Dec Departmental store (D) Reversal 2000 10X -16

Statement Rewards – 10X categories* +504

Total 11000 +592

* 9X reward points will be credited on the statement date (i.e.10th Dec) as below:
• Net purchases under 10X categories (A+B+C-D) = INR 9500
• Incremental points on 10X categories (i.e. 9X) = 684 points, capped at 504 points

2. Redemption of Reward Points:

2.1. Rewards points can be redeemed in the following ways:

a. Redemption for transactions done at authorized IndianOil outlets and select merchant
partners via SMS
(Universal pay with points)
b. Catalog redemption
c. Miles transfer
d. Cashback
For details on Rewards Redemption and Terms & Conditions, please visit www.citibank.com/india and click on
‘Redeem Reward Points’ under the ‘Credit Cards’ tab. URL:
https://www.online.citibank.co.in/portal/newgen/cards/tab/rewards-home.htm
2.2. Minimum reward points required for redemption:

Category Redemption rate for every 1 Reward point Minimum points to redeem

Fuel – At Indian Oil 25 paise

Authorized outlets 250

In- Store Shopping 30 paise

at partner stores 250

Online Shopping Travel sites – 25 paise; Other

online shopping – 30 paise 250

Air miles (Air India 0.75 miles

and InterMiles) 100

Cash back 35 paise 10,000

Gift Vouchers As per catalogue 0

2.3. On redemption, the reward points so redeemed will be automatically adjusted from the
accumulated reward points in the card member’s account.

3. Annual Card Fee:

There is no joining fee however an annual card fee of INR 1000 + GST may be levied on the Card at the
end of the membership year. A card member shall be exempted from the said annual card fees of the year
in which he/she spends INR 30,000 or more on his/her Card.

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4. Welcome Rewards

4.1. 1500 reward points:

1500 reward points shall be awarded on first spend within 30 days of card issuance. This is not applicable
for the complimentary Citi Rewards card offered as part of Citibank Suvidha account opening. The bonus
rewards points shall be credited to card account in the subsequent statement. The bonus rewards offer is
valid only on the first spend on the Primary Card which is made within 30 days of Card Issuance. Spends
are calculated basis the transaction date captured on credit card account. Transaction date captured on
credit card account is basis the transaction date submitted by the Merchant Establishment/Association
(i.e. Mastercard® & Visa). Citibank will not be held responsible if Merchant Establishment submits the
transaction date as different from the actual date when the transaction was done. This offer is not
applicable on swap to Citibank Rewards Credit card from an already existing Citibank Credit card. Other
Terms & Conditions listed below apply.

4.2. 1000 reward points:

1000 reward points shall be awarded on your first spend of INR 1000 within 60 days of card issuance. The
bonus rewards points shall be credited to your card account in the subsequent statement. The bonus
rewards offer is valid only on the first purchase of INR 1000 or more on the Primary Card in a single
transaction which is made within 60 days of Card Issuance. Spends are calculated basis the transaction
date captured on credit card account. Transaction date captured on credit card account is basis the
transaction date submitted by the Merchant Establishment/Association (i.e. Mastercard ® & Visa). Citibank
will not be held responsible if Merchant Establishment submits the transaction date as different from the
actual date when the transaction was done. This offer is not applicable on swap to Citibank Rewards Credit
card from an already existing Citibank Credit card. Other Terms & Conditions listed below apply.

5. Other Terms & Conditions:

5.1. Qualifying purchase value will exclude all EMIs pertaining to Loan on credit card, Dial an EMI,
Balance conversion and Balance transfer programs, cash withdrawals, fees, charges and Goods
and Services Tax (GST). Any disputed transaction will not be considered for qualifying purchase
value computation. Merchant refunds/reversals will be considered as a negative adjustment in
qualifying purchase value computation.
5.2. Reversal transactions, if any, shall be considered for the calculation of net spends and monthly
cap in the statement month in which reversal transaction is posted. Therefore, the bonus reward
points deducted on the reversal transaction could be different from the reward points earned for
the original purchase transaction.

5.3. Only Citibank Rewards Credit Card customer (“Cardmember”) whose Citibank Rewards Credit
Card (the “Card”) account is open, remains in good credit standing, payment continues to reach
us before the payment due date, are not delinquent on their card payments are entitled to receive
the rewards. During block period of a card, no reward points shall be awarded for any transaction
posted on the customer card account. Once the card status is restored and in good standing, the
reward points shall be awarded or reversed for the spend or reversal transaction respectively, as
per the applicable reward earn rate
5.4. If a Cardmember's Citibank Rewards Credit Card is terminated at any time for any reason, whether
by the primary Cardholder or the Bank, the primary Cardholder will forthwith be disqualified from
earning reward points and request for redemption of unused reward points accrued till termination

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 date should be placed within 45 days from the termination date. Reward points on
closed/terminated cards can be redeemed only against rewards catalog.
5.5. Reward points once exchanged for any other partner loyalty programs cannot be transferred back.
5.6. Cardmember cannot transfer any Reward Points to another person or combine the Reward Points
of his / her other credit cards except for Additional Cards that are issued to him/her with the Card.
5.7. No accumulation or redemption of reward points will be permissible if on relevant date there is any
breach of any clause of the detailed Citibank Cardmember Terms and Conditions.
5.8. Citibank's computation of reward points shall be final, conclusive and binding on Cardmembers
and will not be liable to be disputed or questioned, save and except in case of manifest error.
5.9. Citibank holds no warranty and is not representative of the delivery, services, suitability,
merchantability, availability or quality of the products made available to Customer by participating
merchants under the respective Offer.
5.10. The Customers shall not hold Citibank, its group entities, or affiliates, their respective directors,
officers, employees, agents, vendors, responsible for or liable for, any actions, claims, demands,
losses, damages, personal injury, costs, charges and expenses which a Customer claims to have
suffered, sustained or incurred, or claims to suffer, sustain or incur, directly or indirectly, by way
of and/or on account of participating in the Offer or the acceptance, decline, non-receipt, suitability,
quality or by use or non-use or suitability or effectiveness of the products/services .
5.11. Citibank is not liable or responsible for any claim(s), dispute(s) regarding delivery, service,
suitability, merchantability, availability, quantity or quality made available to the Customers under
the Offer on the products/services (shortly referred as “Claims”).
5.12. In reference to any Claims under the Offer, it must be addressed in writing, by the Customers
directly to participating merchants and that Citibank shall not entertain any communication in this
regard. Any query/ contention/ dispute raised by any Customer to Citibank shall be forwarded to
the merchant who shall be solely responsible for resolving such queries/ contentions/disputes
within reasonable time.
5.13. The Offer is valid only if the Customer’s account continues to be in good standing and payment
continues to reach Citibank before the payment due date.
5.14. Citibank reserves the right to, at any stage and at its discretion, to extend or terminate this Offer,
without prior notice or assigning any reasons thereof, to add/alter/modify/change or vary all or any
of these terms and conditions or to replace wholly, or in part, this Offer by another Offer, whether
similar to this Offer or not, or to extend or withdraw it altogether.
5.15. Neither anything contained in these terms & conditions, nor the running of these Offer to which
they apply, shall be construed as an obligation on Citibank to continue the Offer up to, on or after
the Offer termination date. Nothing herein amounts to a commitment or representation by Citibank
to conduct further such Offers.
5.16. The Offer terms & conditions shall be governed by the Laws of India. Any dispute arising out of
this Offer shall be subject to the exclusive jurisdiction of competent courts in Mumbai.
5.17. Any taxes or liabilities or charges payable to the Government or any other regulatory authority or
body, if any, shall be borne directly by Customer and/or billed to the account of the Customer.
5.18. If the Offer and/or anything to be done by Citibank or any other entity in respect of the Offer is
prevented or delayed by causes, circumstances or events beyond the control of Citibank or any
other entity, including but not limited to computer viruses, tampering, unauthorized intervention,
interception, fraud, technical failures, floods, fires, accidents, earthquakes, riots, explosions, wars,

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 hostilities, acts of government or other causes of like or similar or other character beyond the
control of Citibank or the other entity/ies, then Citibank and/or the other entity/ies shall not be liable
for the same to the extent so prevented or delayed, and will not be liable for any consequences.
5.19. Citibank shall in no way be liable if any Customer is unable to login to merchant website/app due
to incompatibility of device, internet usage plans, or any other reason whatsoever.
5.20. Customers are not bound in any way to participate in this offer. Such participation is voluntary and
is deemed as acceptance of the terms and conditions mentioned herein. By participating in the
offer, the Customers agree to be bound by the terms & conditions contained herein. Without a
Customer being required to do any further act, he/she shall be deemed to have read, understood
and unconditionally accepted the terms & conditions herein. The Offer Terms & Conditions need
to be read in conjunction with the detailed Citibank Card member Terms & Conditions, Most
important terms and conditions (MITC), and terms governing the use of Citibank credit/debit cards
and/or Citibank website.
5.21. Payment of fees/service charges/all other amounts due from the Customer to Citibank from usage
of credit/debit cards by the Customer under this Offer and/or otherwise will be governed by the
Card member Terms and Conditions and MITC. Customer can also view the complete terms and
conditions on the online portal http://www.citibank.com/india.

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