For so long now that we have been hearing people mentioning credit cards for buying of items online and also for paying for bills online. Do you know that Citi Reward Credit Card is also a credit card that can be used in shopping and paying of bills online without delay? Speaking of this credit card is so amazing when it comes to making payment online on items that you have purchased. Quickly, I will like us to see the main details consigning this particular credit card that I am telling you all about.
Citi Reward Credit Card
As I have said before that the card can be used for making online payment and it is set to be one of the fastest ways of making your payment online. Although there are lots of credit cards out there you can make use of but that was not our main focus. Our main focus is that header on “Citi Reward Credit Card”, by looking into the line that comes from this paragraph you will find a lot more about Citi reward card.
Citi Reward Credit Card Review
Citi reward credit card is noted as one of the tops or best credit cards that are found in India for making good reward points on all categories. Not just that, it also came with extra rewards for apparel and also departmental store spending. As a member or a user of this particular credit card, he or she can transfer up to 3 non-Citi issued personal loans and also car loans with cards and store cards. By using this credit card, there is an annual fee for the first year sweetens deal which is $49.
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Is Citi Reward Credit Card A Good Card
Some of us will be wondering to know about these if the credit card is good enough to be used or not. Well, let me tell you guys, the credit card is nice and very good to be used whenever you wish. No annual fee and it is valuable to every user for daily purchases. What you guys should be happy about is that the reward rate will not seem to look high just like other similar cards. There are other things that people do ask, which is;
What Credit Score is Needed for Citi Rewards Card
This looks more like a question but if I may throw the question back, what do you think about the credit score needed. Well, if there is no answer, I think this might be of help to you. The credit score that is needed is 700 or higher and the applicants need good credit or better score for approval.
Fees and Charges of Citi Reward Credit card
I think by knowing about the fees and charges of this credit card, you guys will find interest in applying for it. The lists that I will be providing down here are the fees and charges per user card.
- The annual fee is Rs. 1,000 (which is waived of on spending and Rs. 30,000 for the preceding year).
- The cheque/EC S/ACH bounce charge is Rs. 500 per returned instrument.
- Credit extended charges made to be 3.25% p.m. /39% p.a.
- Another fee and charges are the outstation cheque charge which is based on value cheque. The fee and charge for it are up to Rs. 10,000 – Rs. 50 for each cheque. We also have Rs. 10,001 to Rs. 1,00,000 – Rs. 100 on every cheque. The Citi reward credit card also has the one above Rs. 1,00,001 – Rs. 150 on each cheque.
- 100 is for reissue of lost, stolen, or damaged card.
- 5% on billed cost withdrawn, subject to on a minimum Rs. 500 which is the one for cash advance charges.
- Railway ticket booking surcharge, a user have to pay 1.8% for the transaction value.
- The fuel transaction charge is 1% ofciticvfvfvvfvfv the transaction cost and the minimum is 10 Rs.
- 5% cost for over-limit charges and the minimum is Rs. 500.
Lastly, for the late payment fee. There are three different late payment charges which are Rs. 300 for the current balance that is less than Rs. 10,001. The other one is Rs. 600 also current balance less than Rs.10,001 and that is up to Rs.25,000. Lastly, we have Rs. 950 on current balance which is above Rs. 25,000. These are the fees and charges attached to Citi reward credit card.
How to Apply for Citi Reward Credit Card
This is where most people really find it very difficult in the aspect of applying for the credit card. With the following steps that I will be putting down here are the steps on how you can apply for this credit card online. Of course, there is a website for it that you can visit for application, follow the instructions that I will be provided here to apply for this Citi reward credit card.
- On your web browser, visit citi.com on it and wait for the homepage to come up.
- When you get to the homepage, go to the credit card option at the top of the page and click on it.
- Click on “View all credit cards”. Now choose the credit card with reward by clicking “Learn More and Apply”.
- When you get to the other page after clicking on “Learn More and Apply”, now it is height time you click on “Apply Now”.
- Now, scroll down and attend to all the boxes below the page by providing your details.
- After you are done with all the boxes, move down to the bottom and click “Agree and Submit”.
By doing this, you have successfully applied for the Citi reward credit card without any difficulty. But you have to make sure that all the information you provided is correct. Because you might need them sometime again when you are trying to log in to your account.
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