Redeem Rewards Points

Earn Rewards

How to Earn Points?

Earn Reward Points with every spend on your Citi Credit Card.

Depending on the type of card you hold, you can accumulate more points for your spends at retail outlets, travel bookings, movies and more.

To learn more on how Reward Points are earned and calculated, click here.

More Questions?

How Many Points Do I Have?

Get details on the available Reward Points by sending just one SMS.

SMS REWARDS XXXX to 52484* (XXXX is the last 4 digits of your card) or Login to Citi Online herehere.


Redeem your points for gift vouchers from several local and international brands

  • Rewards Catalog to redeem points

Please note:

  • Orders once placed are not cancellable. Before pressing ‘Order now’ please ensure the order is correct or go ‘Back’ to previous screen to change order.The order will be processed after successful validation of your credit card details.
  • For successful redemption requests, the E-voucher will be sent via SMS and email to your registered contact details within 2 working days. Click here for full Terms and Conditions.
  • To redeem your points for catalogue vouchers, you are requested to login to Citibank Online.
    To view the list of brands listed on the catalogue, please Click here.
Miles Transfer

Click on the icon below to know more about redeeming your points for Air Miles Transfer:

  • Air Miles

    Air Miles

Click on the icon below to know more about redeeming your points for Cashback against Card Outstanding:

  • A hand with some money signifying cashback against card

    Cash Back
Universal Pay With Points

Pay for your transactions with Citi Reward Points

Just an SMS. Its that simple!!

Anything. Anywhere

Click here for Universal Pay with Points (Pay with Points via SMS) Program Terms and conditions

Click here for Universal Pay with Points (Pay with Points via SMS) Program Frequently Asked Questions


Pay for your transactions with Citi Reward Points

Just log into your account on Citibank Online & redeem points against eligible transactions.

Anytime. Anywhere.

Pay with points via CBOL

FAQs on Credit Card Redemption:

Click on    to expand and on    to minimize the details.

The avenues and earn rate of reward points will vary depending on the card type that you hold. You may visit the respective pages on our website to know more.

You can check the reward points balance on your card by doing any of the following:
  • Visiting Citibank Online or the Citi Mobile App
    • If you have a Citi Rewards Credit Card, Citi PremierMiles Credit Card, Citi Prestige Credit Card or IndianOil Citi Titanium or Platinum Credit Card, you can log in to Citi Online with your User Id and IPIN and select Credit Cards > Redeem Rewards. If you have a First Citizen Citi Credit Card, the First Citizen Reward Points earned against purchases made on the Credit Card (Silver Edge, Golden Glow & Titanium) are automatically transferred to Shoppers Stop after each monthly billing cycle and will reflect in the First Citizen account after that.
  • Checking you latest credit card statement.
  • Sending an SMS – SMS REWARDS XXXX (where XXXX stands for the last 4 digits of your card number) from your registered mobile number to 52484 for Airtel / Aircel / Idea / Vodafone subscribers or +919880752484 for other subscribers.

You can easily redeem your points leveraging any of the several redemption options that we offer, depending on your card type. These include redeeming your points for:

  • gift vouchers from several brands across multiple merchant categories
  • Air Miles Transfer to 12+ global partners
  • cashback against card outstanding
  • or against eligible transactions

To redeem your points, you can login to Citibank Online, Citi Mobile App, or contact 24/7 CitiPhone services.

Citi offers up to 5 redemption options depending on the card type.

Other than Pay-with-Points via SMS (Universal Pay-with-Points or UPWP), all other redemption options have no limit on the number of redemptions the customer can do in a single day.

For Pay-with-Points via SMS (Universal Pay-with-Points or UPWP), the customer will receive one SMS per merchant category (other than grocery and medical) in one day for the eligible transaction done on an eligible card. For eligible transactions under grocery and medical merchant categories, customers will receive an SMS once in 2 days (the UPWP link shall be valid for 48 hours).

Yes, there is a maximum redemption amount cap for Pay-with-Points via SMS (Universal Pay-with-Points or UPWP) and Pay-with-Points via CBOL (Select & Credit) of Rs. 2,00,000 per transaction. Any customer performing a transaction above the maximum cap would be allowed to redeem points worth up to the maximum cap amount only.

Click here for full Terms and Conditions.

Click here for full Frequently Asked Questions