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 Visa or MasterCard 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
1.4 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. For 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 Visa and MasterCard (refer section 1.4 for additional details on
MCC). For merchant outlets not registered under the MCCs assigned for Apparel and Department Stores
by Visa and MasterCard 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. Incremental 9X bonus points is subject to a cap of 504 points (i.e. 9X of INR 7000/125) per
statement month. Reversal transactions, if any, shall be considered for the monthly cap in the statement
month in which reversal transaction is posted and not in the month of the corresponding purchase
transaction.

1.3. 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.

1.4. 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

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 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 –
Type Reward Reward
Posting Amount
Transaction category points (1 /
date (INR)
INR 150)

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

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 250
Authorized outlets
In- Store Shopping 30 paise 250
at partner stores
Online Shopping Travel sites – 25 paise; Other online 250
shopping – 30 paise
Air miles (Air India 0.75 miles 100
and InterMiles)
Cash back 35 paise 10,000
Gift Vouchers As per catalogue 0

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 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.

4. Welcome Rewards
4.1. 1500 reward points:
1500 reward points shall be awarded on first spend within 30 days of card issuance. 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. Visa/ MasterCard). 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. Get 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. Visa/
MasterCard). 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. Reward points earned for any purchase transaction which is subsequently reversed, will be adjusted
in the month of reversal, and not in the month of purchase. Further, the reversal will be considered
for calculating the monthly cap in bonus reward points, if any.
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.

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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 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 accepts no liability in respect of any income or other tax liability of Cardmembers arising from
the redemption of rewards points.
5.10. Citibank reserves the right to extend or terminate any/all offers provided with the Card from time to
time without prior notice.
5.11. Citibank reserves the right at any time, without prior notice, to add / alter / modify / change or vary all
of these terms & conditions or to replace wholly, or in part, the offer(s) provided with the Card from
time to time by another offer(s), whether similar to the modified/deleted offer or not, or to withdraw the
said offer(s) altogether.
5.12. All disputes if any, arising out of or in conjunction with or as a result of this offer(s) provided with the
Card from time to time or otherwise relating to the Card shall be subject to the exclusive jurisdiction
of the competent courts/tribunals in Mumbai irrespective of whether courts/tribunals in other areas
have concurrent or similar jurisdiction.
5.13. The above Terms & Conditions and Payment of fees/service charges/all other amounts due from the
Cardmember to Citibank from usage of the Card by the Cardmember under various offers provided
on the Card and/or otherwise related to the Card shall be governed by and should be read in
conjunction with the detailed Citibank Cardmember Terms & Conditions and Most Important Terms &
Conditions (MITC) available on http://www.citibank.com/india.

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