Citi Rewards+ Card (USA): Sab Kuch Jo Aapko Janna Hai!

# Citi Rewards+ Card (USA): Sab Kuch Jo Aapko Janna Hai!

Namaste doston! Agar aap ek aisa credit card dhoondh rahe hain jo aapke daily kharchon ko rewarding banaye, toh **Citi Rewards+ Card (USA)** ek zabardast option ho sakta hai. Yeh card no-annual-fee ke saath aata hai aur chhote-chhote purchases ko bhi bada reward deta hai, thanks to its unique round-up feature. Is article mein, hum aapko is card ke baare mein detailed info denge, kaise apply karna hai, eligibility kya hai, aur yeh card aapke liye perfect hai ya nahi. So, let’s dive in and explore everything about the Citi Rewards+ Card in Hinglish!

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## Citi Rewards+ Card Kya Hai?

Citi Rewards+ Card ek no-annual-fee rewards credit card hai jo Citi ke ThankYou Rewards program ka part hai. Yeh card specially un logon ke liye banaya gaya hai jo apne daily kharchon—like groceries aur gas—par rewards earn karna chahte hain. Is card ka sabse unique feature hai **point round-up**, jisme har purchase ke points ko nearest 10 tak round kiya jata hai. For example, agar aap $4 ka coffee kharidte hain, toh aapko 10 points milenge instead of just 4!

### Key Features of Citi Rewards+ Card

- **No Annual Fee**: Yeh card bilkul free hai, koi yearly charges nahi!

- **Welcome Bonus**: Spend $1,500 within 3 months of account opening aur earn 20,000 bonus ThankYou points, jo $200 gift cards ya travel rewards ke liye redeem ho sakte hain.[](https://www.forbes.com/advisor/credit-cards/reviews/citi-rewards-card/)

- **Point Round-Up**: Har purchase ke points nearest 10 tak round ho jate hain, no cap! Matlab, chhote kharche bhi bade rewards dete hain.

- **Bonus Categories**:

  - 5 ThankYou Points per $1 on hotels, car rentals, aur attractions booked via CitiTravel.com (valid till Dec 31, 2025).

  - 2 ThankYou Points per $1 on supermarkets aur gas stations (up to $6,000 per year, then 1 point per $1).

  - 1 ThankYou Point per $1 on all other purchases.[](https://www.usatoday.com/money/blueprint/credit-cards/reviews/citi-rewards-plus/)

- **10% Points Back**: First 100,000 points redeemed per year par 10% points wapas milte hain (up to 10,000 points, worth $100 in gift cards).[](https://www.bankrate.com/credit-cards/reviews/citi-rewards-plus-benefits-guide/)

- **Intro APR**: 0% intro APR on purchases aur balance transfers for 15 months, phir 17.74%-27.74% variable APR.[](https://www.usatoday.com/money/blueprint/credit-cards/reviews/citi-rewards-plus/)

- **Citi Entertainment**: Concerts, sports events, aur dining ke liye presale tickets aur exclusive experiences.[](https://www.bankrate.com/credit-cards/reviews/citi-rewards-plus-benefits-guide/)

Yeh card un logon ke liye perfect hai jo simple rewards structure chahte hain aur chhote purchases se bhi zyada points earn karna chahte hain.

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## How to Apply for Citi Rewards+ Card?

**Note**: As of April 2025, Citi Rewards+ Card new applications ke liye online available nahi hai, but existing cardholders ya product change ke through isse access kiya ja sakta hai. Agar aap interested hain, toh Citi ke website ya branch se latest info confirm karein.[](https://www.nerdwallet.com/reviews/credit-cards/citi-rewards-plus)

### Application Process

1. **Check Eligibility**: Ensure you meet the eligibility criteria (neeche details di gayi hain).

2. **Visit Citi Website or Branch**: Agar online application nahi dikh raha, toh Citi ke customer service se contact karein ya nearest branch visit karein.

3. **Fill Application Form**: Personal details, income, aur employment info provide karein.

4. **Submit Documents**: Required documents upload karein ya branch mein submit karein.

5. **Wait for Approval**: Citi usually 7-10 business days mein decision deti hai.

6. **Product Change Option**: Agar aap already Citi cardholder hain, toh apne existing card ko Rewards+ Card mein convert karne ke liye customer care se baat karein.[](https://www.doctorofcredit.com/rumor-citi-rewards-card-to-be-discontinued/)

### Important Documents Needed

- **Photo ID**: Driver’s license, passport, ya government-issued ID.

- **Proof of Income**: Recent pay stubs, tax returns, ya bank statements.

- **Address Proof**: Utility bill, lease agreement, ya any official document with your address.

- **Social Security Number**: US residents ke liye mandatory hai.

- **Employment Details**: Job title, employer name, aur income details.

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## Eligibility Criteria for Citi Rewards+ Card

Citi Rewards+ Card ke liye apply karne se pehle, check karein ki aap eligible hain ya nahi:

- **Age**: Minimum 18 years old hona chahiye.

- **Credit Score**: Good to excellent credit score (usually 670+ FICO score).[](https://www.bankrate.com/credit-cards/reviews/citi-rewards-card/)

- **Income**: Stable income source, though specific income requirement publicly disclosed nahi hai.

- **Residency**: US resident hona zaroori hai with a valid Social Security Number.

- **Citi Card History**: Agar aapne last 12 months mein koi Citi card cancel kiya hai, toh welcome bonus ke liye eligible nahi honge.[](https://milelion.com/2024/07/30/review-citi-rewards-credit-card/)

Agar aapka credit score low hai, toh pehle apna score improve karne par focus karein, jaise timely bill payments aur credit utilization low rakhna.

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## Benefits of Citi Rewards+ Card

Yeh card simple rewards aur flexibility ke liye perfect hai. Kuch key benefits:

- **Small Purchases Mein Bada Fayda**: Round-up feature ki wajah se, chhote kharche (like $1 coffee) bhi 10 points dete hain.

- **No Annual Fee**: Long-term use ke liye cost-effective.

- **Flexible Redemption**: Points ko gift cards, travel, statement credits, ya Citi ke travel partners (JetBlue, Wyndham, Choice Privileges) ke saath redeem kar sakte hain.[](https://www.nerdwallet.com/article/travel/citi-transfer-partners-guide)

- **Intro APR Offer**: Balance transfers aur new purchases par 15 months tak 0% interest, jo debt management ke liye helpful hai.

- **Citi ThankYou Trifecta**: Agar aapke paas Citi Strata Premier ya Citi Prestige jaise premium cards hain, toh points pool karke higher value (up to 1.6 cents per point) mein redeem kar sakte hain.[](https://www.bankrate.com/credit-cards/rewards/citi-thankyou-points/)

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## Drawbacks to Consider

Koi bhi card perfect nahi hota. Kuch limitations jo aapko jaan lena chahiye:

- **Limited Bonus Categories**: Sirf groceries aur gas stations par 2X points, aur woh bhi $6,000 annual cap ke saath.[](https://www.usatoday.com/money/blueprint/credit-cards/reviews/citi-rewards-plus/)

- **Lower Redemption Value**: Cash back ke liye points ki value sirf 0.5 cents per point, jabki travel partners ke saath 0.8-1 cent.[](https://www.nerdwallet.com/reviews/credit-cards/citi-rewards-plus)

- **Foreign Transaction Fee**: 3% fee on international purchases, jo travelers ke liye drawback hai.[](https://money.usnews.com/credit-cards/citi/citi-rewards-plus-card)

- **Not Available for New Applications**: Abhi online applications band hain, so product change ya existing cardholders ke liye limited access hai.[](https://www.nerdwallet.com/reviews/credit-cards/citi-rewards-plus)

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## How to Maximize Rewards with Citi Rewards+ Card?

Is card se maximum fayda uthane ke liye yeh tips follow karein:

- **Chhote Purchases Karein**: Round-up feature ka fayda uthane ke liye daily small transactions (like coffee, snacks) is card se karein.

- **Use for Groceries & Gas**: $6,000 tak ke supermarket aur gas station kharchon par 2X points earn karein.

- **Book via CitiTravel.com**: Hotels, car rentals, aur attractions par 5X points ke liye Citi Travel portal use karein (till Dec 2025).

- **Pair with Premium Citi Card**: Points ko pool karke travel partners ke saath higher value mein redeem karein.

- **Redeem Wisely**: Gift cards ya travel ke liye redeem karein for 1 cent per point, instead of cash back (0.5 cents per point).

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## FAQs About Citi Rewards+ Card

**1. Citi Rewards+ Card ka welcome bonus kya hai?**  

Aapko 20,000 ThankYou points milte hain jab aap 3 months mein $1,500 spend karte hain, jo $200 gift cards ya travel rewards ke liye redeem ho sakte hain.[](https://www.forbes.com/advisor/credit-cards/reviews/citi-rewards-card/)

**2. Kya yeh card international travel ke liye acha hai?**  

Nahi, kyunki isme 3% foreign transaction fee hai, jo international purchases par lagta hai. Travel ke liye Citi Strata Premier jaise cards better hain.[](https://wise.com/us/blog/citibank-foreign-transaction-fee)

**3. Points kaise redeem kar sakte hain?**  

Aap points ko gift cards, travel, statement credits, ya Citi ke travel partners (JetBlue, Wyndham, Choice Privileges) ke saath redeem kar sakte hain.[](https://www.nerdwallet.com/article/travel/citi-transfer-partners-guide)

**4. Kya Citi Rewards+ Card abhi bhi available hai?**  

Abhi online new applications band hain, but existing cardholders ya product change ke through access ho sakta hai. Citi se confirm karein.[](https://www.nerdwallet.com/reviews/credit-cards/citi-rewards-plus)

**5. Round-up feature kaise kaam karta hai?**  

Har purchase ke points nearest 10 tak round ho jate hain. For example, $4 ka purchase 10 points deta hai, aur $43 ka purchase 50 points.[](https://www.bankrate.com/credit-cards/reviews/citi-rewards-plus-benefits-guide/)

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## Conversational Keywords

- Citi Rewards+ Card

- ThankYou Points

- No annual fee credit card

- Round-up feature

- Citi Travel portal

- Supermarket rewards

- Gas station rewards

- Welcome bonus

- Points redemption

- Citi ThankYou trifecta

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## Questions with Perfect Answers

**Q: Kya Citi Rewards+ Card beginners ke liye acha hai?**  

A: Haan, yeh card beginners ke liye perfect hai kyunki isme no annual fee hai, simple rewards structure hai, aur chhote purchases par bhi zyada points milte hain thanks to the round-up feature. Plus, 20,000 points ka welcome bonus bhi attractive hai.[](https://www.forbes.com/advisor/credit-cards/reviews/citi-rewards-card/)

**Q: Is card ke points ki value kya hai?**  

A: Points ki value redemption par depend karti hai—gift cards aur travel ke liye 1 cent per point, cash back ke liye 0.5 cents, aur travel partners ke saath 0.8-1 cent. Premium Citi cards ke saath pool karne par 1.6 cents tak mil sakta hai.[](https://www.bankrate.com/credit-cards/rewards/citi-thankyou-points/)

**Q: Kya yeh card travel rewards ke liye best hai?**  

A: Travel rewards ke liye yeh card average hai kyunki points ki value low hai aur sirf 3 travel partners hain. Agar travel rewards chahiye, toh Citi Strata Premier ya Prestige better options hain.[](https://www.nerdwallet.com/article/travel/citi-transfer-partners-guide)

**Q: Round-up feature se kitna fayda hota hai?**  

A: Chhote purchases par yeh feature bohot faydemand hai. For example, $1 ka purchase 10 points deta hai, jo 1 point per $1 se 10x zyada hai. Lekin bade purchases par iska impact kam hota hai.[](https://time.com/personal-finance/article/citi-rewards-plus-card-review/)

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## Conclusion

Citi Rewards+ Card ek simple aur rewarding option hai un logon ke liye jo daily kharchon par points earn karna chahte hain without paying an annual fee. Iska round-up feature aur 10% points back benefit isse unique banata hai, lekin limited bonus categories aur foreign transaction fees iske drawbacks hain. Agar aap chhote purchases karte hain ya already Citi ke premium cardholder hain, toh yeh card aapke rewards game ko boost kar sakta hai. Apply karne se pehle, Citi se confirm karein kyunki new applications abhi limited hain.

Kya aap is card ke baare mein aur kuch janna chahte hain? Comment mein poochiye, aur hum aapki help karenge!