Cashback

Axis Citi Rewards Credit Card

Name: Axis Citi Rewards Credit Card
Brand: Axis (formerly Citi)
Price: 1000 INR

Axis (formerly Citi)

6.3

CardTrail Score

Decent

out of 10

💰 Net Value

3.9

🔓 Accessibility

7.9

⚡ Feature Depth

4.7

🏦 Bank Trust

6.0

How we score →

Compare This Card Full Details

Annual Fee

₹1,000

Spend ₹2L/year

Forex Markup

3.5%

Reward Rate

0.5%

Up to 10%

Lounge Access

domestic | 0 intl

About This Card

Formerly Citi Rewards, now under Axis Bank after the acquisition. The 10X at department stores remains its unique selling point. The transition has caused some confusion, but the card still works as expected. Consider upgrading to Axis Atlas or Flipkart for better value.

Pros & Cons

Pros

10X at department stores and select online
Now part of Axis ecosystem
4 domestic lounges
Established card with long history

Cons

Transition from Citi to Axis has been bumpy
ThankYou Points value has degraded
Base rate of 0.5% is poor
3.5% forex

Fee Details

Annual Fee

₹1,000

Joining Fee

₹1,000

Fee Waiver Condition

Spend ₹2L/year

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

0.5%

Max Rate

10%

Currency

ThankYou Points

Welcome Bonus

2,000 ThankYou Points

Lounge Access

Domestic Lounges

per quarter

International Lounges

Key Highlights

+ 10X rewards at select department stores
+ 10X at select online merchants
+ Now managed by Axis Bank

Compare With...

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