Terms and Conditions:

Details of the Offer:

Citibank, N.A. (“Citibank”) is launching a Campaign for the offer period. Details of the offer extended to individuals who are holders of valid Citibank credit cards issued in India and holders of accounts of the segment - Citi Priority, Citigold or Citi Private Client, opened in India (“Customer”) are listed as under (“Offer”).

Campaign Dates:

The Offer shall be applicable from the first date of all billing cycles starting after 00:00 hours on 1st July 2019 and shall be applicable for all billing cycles that start before 23:59 hours on 31st December, 2020. The Offer shall be available on transactions undertaken after 00:00 hours 31st December, 2020 if the billing cycle started before the said date and shall expire on the last date of the said billing cycle (“Offer Period”).


  • Eligible card types under the offer period - Citi Rewards Credit Card, Citi Cashback Credit Card, Indian Oil Citi Credit Card, Citi Premier Miles Card and Citi Prestige
  • Month is defined as statement month i.e. monthly billing cycle of customer’s credit card.
  • NRV (Net Relationship Value) is defined as customer’s relationship across all accounts under a household and is calculated by aggregating average monthly balances across Savings Account, Current Account, Deposits, Mutual Funds, Loans against Securities and Insurance Premium paid. For further details, please refer to schedule of charges of your Citi Priority, Citigold or a Citi Private Client account.
  • The Offer is valid on all spends made using eligible customer’s Citibank Credit Card during the Offer Period. To illustrate with an example, if customer’s statement cycle starts on 8th day of every month, then the Offer is valid on all spends from 8th July 2019 to 8th January 2020.
  • Customers holding the eligible card with either a Citi Priority, Citigold or a Citi Private Client account and meeting NRV (Net Relationship Value) criteria mentioned below will be eligible under the offer period. A Customer will be eligible subject to the maintenance of minimum NRV (Net Relationship Value) at the end of the calendar month preceding the statement month i.e. monthly billing cycle of your credit card
  • Segment Minimum NRV Threshold
    Citi Priority Rs 15 lacs
    Citigold Rs 75 lacs
    Citi Private Client Rs 7.5 crores
  • Additional reward points will be calculated basis the monthly reward points earned as per grid below:
  • Segment Additional rewards points
    Citi Priority 15% of the net reward points earned in statement month.
    Citigold 30% of the net reward points earned in statement month.
    Citi Private Client 50% of the net reward points earned in statement month.
  • Illustrative example:
    Customer is a Citigold account holder and holds a Citi Prestige Credit Card. During the Statement month from 12-Jul-19 to 11-Aug-19, customer made retail purchases of Rs 100,000 using his/her Citi Prestige Credit Card. Subject to maintenance of the minimum NRV of Rs 75 lacs on 30-Jun-19, customer will be credited with additional reward points within 60 days from Aug’19 statement generation as per below:
  • Retail purchase amount (A) Rs 100,000
    Net Reward points earned in Statement month (B) 1000
    Multiplier for additional reward points basis NRV (C) 30%
    Additional reward points credited (B*C) 300
  • There is no cap on the additional reward points credited for a month.
  • These additional reward points are exclusively brought to you basis your relationship value and is independent of all the other existing Offers promoted by the Bank.
  • Additional reward points will be calculated and credited within 60 days from the credit card statement generation date of all open and active Customers’ account(s). The timeline provided for effecting credit is only indicative of expected period and may vary from the actual date of credit.
  • Note: Annual Bonus Program for Citi Prestige Credit card held with Citi Private Client and Citigold accounts:
    The monthly bonus rewards program detailed in the “Offer” above replaces the existing annual bonus rewards program on Citi Prestige Card, held with Citi Private Client and Citigold accounts. Citi Prestige Credit Cardholders shall be credited with annual relationship bonus on pro-rata basis for transactions between from 00:00 hours on 1st January 2019 till 23:59 hours on the start of the Statement cycle in July 2019, as per below grid.

    Cumulative spends from 1st Jan’19 till the start of the Statement cycle in July 2019 Rs 2.5 – Rs 5 lacs Rs 5 – Rs 7.5 lacs Above Rs 7.5 lacs
    % Bonus points credited 10% 20% 30%

    All other benefits and privileges on Citi Prestige Credit Card would continue without any change.

Other Terms and Conditions

  • This Offer is only valid for the above mentioned Citi credit cards sourced in India and the above mentioned Citi retail accounts opened in India.
  • It is mandatory for Customers to pay with a valid Citi credit card issued in India to avail the Offer.
  • Citibank is not making any commitment to make any Offer beyond the Offer Period.
  • All other terms and conditions as applicable by virtue of Citibank Account Terms & Conditions, the Cardmember Terms and Conditions and the Most Important Terms & Conditions shall continue to apply.
  • Citibank does not make any warranties or representations on the delivery, service, quality, quantity, merchantability, suitability or availability of the products or services included in this Offer.
  • Acceptance of these terms is a prerequisite for participation in this Offer. Such participation is voluntary and is deemed as acceptance of the terms and conditions mentioned herein.
  • Any taxes or liabilities or charges payable to the Government or any other authority or body, if any, shall be borne directly by Customer and/or billed to the account of the Customer.
  • 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, tampering, unauthorized intervention, interception, fraud, technical failures, floods, fires, accidents, earthquakes, riots, explosions, wars, hostilities, acts of government, or other causes of like or similar or other character beyond the control of Citibank, then Citibank shall not be liable for the same to the extent so prevented or delayed, and will not be liable for any consequences and on occurrence of such event, the Offer may be withdrawn at the discretion of Citibank.
  • The terms and conditions, detailed herein, shall be governed by the laws of India. Any disputes arising out of and in connection with this program shall be subject to the exclusive jurisdiction of the Courts in Mumbai only.
  • Under no circumstance will the Offer being offered be settled in cash.
  • All government levies like GST, Sales Tax, TDS, any Local Tax, Octroi etc., shall be payable by the Customer as applicable.
  • Citibank shall not also be liable for any loss or damage whatsoever that may be suffered, or for any personal injury that may be suffered, to a Customer, directly or indirectly, by use or non-use of products/services under the Offer.
  • Citibank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/ alter/ modify/ change/ cancel or vary all 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/cancel it altogether at its sole discretion and the same shall be binding on the Customer at all times.
  • Customers are not bound in any way to participate in this Offer. Any participation is voluntary and the Offer is being made purely on a best effort basis.
  • Nothing herein amounts to a commitment by Citibank to conduct further, similar or other offer.
  • Payment of fees/ service charges/ all other amounts due from the Customer to Citibank from usage of credit cards by the Customer under this Offer and/or otherwise will be governed by Citibank Account Terms & Conditions, the Card member Terms and Conditions and the Most Important Terms and Conditions and the same may be viewed from the online portal http://www.citi.com/india
  • A Customer without being required to do any further act, shall be deemed to have read, understood and unconditionally accepted the terms and conditions herein.
  • The Offer cannot be combined with any other Offer and cannot be transferred or assigned to any other person/customer.

This product/service is offered by branches of Citibank, N.A. in India.

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Version GCB/MRC/06-20