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The Citi Rewards Credit Card enables the cardholder to earn ThankYou Points at a fast speed. The cardholder accumulates points not just for the spending the cardholder makes using the card; it rewards the cardholder for the places they go to. The more they spend using the card; they get to earn more points.
The card offers complimentary movie tickets and dining discounts at partnered eateries. In case the cardholder fulfils the minimum spending requirement i.e. AED 9,000, no annual fees is charged from the second year onwards.
Mentioned below are the features and benefits of Citi Rewards Credit Card:
Being a Citi Rewards cardholder, the cardholder will be enrolled into the ThankYou Rewards Program by Citi automatically. Under the program, the cardholder earns Citi ThankYou points which they can later redeem for a plethora of amazing redemption options. The options have been specially formulated after keeping the credit cards need of the cardholder in mind.
For each USD 1 spent in local currency using the card, the cardholder can earn 1 ThankYou Point. Whether the cardholder wants to have a gastronomic experience at a 5-star restaurant, or they want to sip their favourite beverage from their local coffee shop, they can use their card to pay the bill. This way, they will get to earn points while they shop.
Upon spending each USD 1 in foreign currency, the cardholder gets to earn1.5 ThankYou Points. Whether the cardholder makes hotel bookings or spends on entertainment, paying in foreign currency enables them to earn more ThankYou Points.
Upon spending each USD 1 on booking hotels at the official website of Kaligo, the cardholder collects 10 ThankYou Points. The cardholder can select from a wide range of 425,000 plus hotels around the world and get amazing rates as compared to various travel sites.
Mentioned below are the benefits of the Citi Rewards Credit Card:
The cardholder will get unlimited access to more than 1,000 airport lounges across the globe on a complimentary basis. Both primary as well as supplementary card members can avail this offer.
Offered by from Citi, Gourmet Pleasures is a dining program that offers the cardholder up to 20 percent discount at specific restaurants.
The benefit is offered free of cost. Upon activating the card, the cardholder automatically gets enrolled in Purchase protection. It enables the cardholder to stay safe in case the goods purchased using the card get accidentally damaged, lost or stolen up to a period of 90 days from the purchase date.
Buy 1 Get 1 Offer on Movie Ticket
The cardholder can enjoy up to 2 buy 1, get 1 movie tickets on a monthly basis. The complimentary benefit can be availed on any weekday using Citi Credit Card. The offer is valid for the tickets purchased through the VOX mobile app or website and can be redeemed only by the registered users.
Without paying any additional charges, the cardholder can opt for unlimited supplementary cards for their eligible family members. Additionally, the cardholder can set limit the spending on every card.
Here are the MasterCard World Advantages offered exclusively for the Citi Rewards MasterCard members.
a.Insurance for Travel Inconvenience: Travelling to a new country can expose the cardholder to various travel-related risks. In case the cardholder comes across any inconvenience, insurance for travel inconvenience will provide them with the much-needed insurance coverage by providing compensation for the same.
b.Waiver for Loss Damage and Rental Collision: In case of an accident, regardless of the cardholder’s fault, the cardholder will get to enjoy waiver for loss damage and rental collision for the rental automobile.
c.Complimentary Benefits by Starwood Hotels and Resorts: For hotel booking, the cardholder will get to enjoy the following benefits:
Note- The offered benefit is applicable at the properties specified by Mastercard.
d.Travel Medical Insurance: When the cardholder travels, travel medical insurance provides much-needed medical insurance coverage in the form of compensation for the expenses incurred due to emergency medical care.
e. Offered Services: Mentioned below are the services offered by the Citi Banks Rewards Credit Card:
The cardholder can pay using their accumulated points through Citibank Online as well as an SMS.
Whenever the credit cardholder pays for the purchases made by their Citi Credit Card, Citibank sends a Pay with Points SMS to their registered mobile phone number along with a link to redeem the accumulated points.
With the Citi Rewards Credit Card the cardholders can convert their accumulated ThankYou Points to one of the loyalty programs mentioned below:
i. Loyalty Program by Club Apparel - The cardholder can transfer their ThankYou Points to the Loyalty program offered by Club Apparel. Basically, it is a cardless loyalty program which enables the cardholder to redeem their accumulated points across various established brands covered under the program.
Note- 27 ThankYou Points is equals to 1 Club Apparel Point.
ii. Jumeirah Sirius Membership Offered by Jumeirah Hotel & Resorts - The cardholder can transfer their ThankYou Points to the Jumeirah Sirius Recognition & Rewards Program. Under the program, best experiences at Jumeirah Hotels, Resorts & Residences are offered worldwide. The cardholder can enjoy night stay at 5,000 Jumeirah Sirius points each night. Additionally, they can spend 1,500 Jumeirah Sirius points and avail a voucher worth AED 100. The voucher can be availed for spa sessions or dining benefits.
Note- 2.7 ThankYou Points is equal to1 Jumeirah Sirius Point
Mentioned Below are a Few Examples of what the Card Member Can get:
Required Sirius Points- 4,200
Required Sirius points- 10,600
How to Transfer the Accumulated Transfer Points to the Partners?
Here are the steps to transfer the accumulated transfer points to the partners:
Step 1- Login to the Citibank Online.
Step 2- On the top menu, click on Accounts tab.
Step 3- Select the Citi Rewards Credit Card.
Step 4- Click on View Rewards.
Step 5- Fill in the OTP (one time password) sent to the registered mobile number.
Step 6- Accept the terms and conditions.
Step 7- Click on Travel and select Points Transfer option.
Step 8- Fill in the information required for Points Transfer and click on Confirm.
The Cardholder will Get an Email Containing the Details of their Redemption Transfer. It will take up to 14 days for the Points to Reflect in the Partner Loyalty Account of the Cardholder.
iii. Gift Vouchers
The cardholder can redeem their accumulated ThankYou Points and avail gift vouchers from various entertainment and travel partners:
|Ikea||AED 100||3,900 ThankYou Points|
|Joyalukkas||AED 100||3,900 ThankYou Points|
|Carrefour||AED 100||4,000 ThankYou Points|
|Sharaf DG||AED 100||4,000 ThankYou Points|
|City Centre||AED 100||4,100 ThankYou Points|
|Abu Dhabi Mall||AED 100||4,000 ThankYou Points|
|Flydubai||AED 100||4,000 ThankYou Points|
iv. Reversal of Annual Membership Charges
In case the cardholder wishes for redeeming their accumulated Citi ThankYou Points to pay the yearly membership charges, they can do so with the help of their Citi Rewards Credit Card.
Here are the details:
Mentioned below are the eligibility criteria of Citi Rewards Credit Card:
Listed below are the fees and charges for Citi Bank Rewards Credit Card:
|1.||Yearly Membership Fee||AED 300|
|2.||Monthly Retail Interest||3.25 Percent|
|3.||Monthly Cash Interest||3.25 Percent|
|4.||Yearly Membership Fee for Supplementary Card||Free|
|5.||Direct Debit Set-up/ Amendment/ Cancellation||Free|
|6.||Stopping Direct Debit Payment||AED 50|
|7.||Card Replacement Charges||AED 50|
|8.||Card Conversion Charges||AED 50|
|9.||Sales Draft Copy Charges||AED 65|
|10.||Credit Shield Plus Charges||0.82 percent of the outstanding monthly balance|
|11.||Life Style Protect Plus Charges||0.79 percent of the outstanding monthly balance|
|12.||Processing Fees For Personal Loan||1 percent of the total loan amount minimum AED 500 Maximum AED 2,500|
|13.||Loan Cancellation Charges||AED 100|
|14.||Loan Rescheduling Charges||AED 250|
|15.||Cash Advance Charges||3 percent of the advance amount or AED 99 whichever is higher|
|16.||InstaLoan Processing Charges||AED 100|
Q1: How is the minimum outstanding payment is calculated on my card statement?
Ans: Minimum outstanding payment is calculated at the rate of 2.74 percent of the current balance in the billing cycle. In addition to that, the following fees and charges are also applicable (if any).
In case your balance is below than AED 100, your minimum outstanding payment will be equivalent to your balance.
Q2: When are additional charges/fees levied on my Citi Rewards credit card?
Ans: In case you don’t pay your credit card bill, or you pay your bill partially and you have an outstanding balance, the bank will charge interest. The applicable interest will be reflected in your credit card statement for the next month. The additional charges are computed on each individual transaction from the date the transaction was made to the next statement date.
As per the date of purchase, if you pay your credit card bill before the due date; no interest will be charged for the purchases for up to 52 days, from the date of purchase. However, interest will be charged on other instalment products or cash advances from the date making such transaction.
Q3: How is Cash Advance Fee calculated?
Ans: When you opt for a cash advance either from an ATM or branch, the bank will charge an advance fee for the withdrawn cash.
The advance fee is charged additionally with the interest charged on the withdrawal amount from the date of money withdrawal.
Q4: Can I opt for an easy instalment plan?
Ans: Yes, it is very easy to opt for easy an instalment plan for the eligible transactions. Here are the steps:
Step 1- Log on to the official website of Citi Online.
Step 2- On the website’s homepage, under the quick links, you will find EIP Booking. Click on the link.
Step 3- Select from a variety of transactions.
Step 4- Select payment tenure and review the schedule for your instalment.
Step 5- Click on the booking button.
Q5: Is it possible to convert a transaction made used by my supplementary card member into an EIP (Easy Instalment Plan)?
Ans: Yes. Transactions made using a supplementary card are eligible for Easy Installment plans.
However, specifically the primary card member can authorize the EIP.