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Citi BankAero Credit Card

ShoppingLifestyle
Welcome offerEarn up to 2,500 bonus Reward Points on card activation and initial spend (as published)
Annual fee
₹ 1,000
Reward rate
1 Reward Point per ₹125 spent; 10x Reward Points on apparel & departmental stores
Credit score
750+
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Free to apply via CardGuruji · subject to issuer approval

Citi BankAero Credit Card
Visa
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

1 Reward Point per ₹125 spent; 10x Reward Points on apparel & departmental stores

Citi Reward Points can be redeemed for airfare, gift vouchers, or statement credit. 10x points on specific retail categories as per MITC.

Reward currency
Points
Card network
Visa
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • 10x points on apparel & departmental stores

  • Welcome bonus points

  • No joining fee waiver available

  • Access to Citi Rewards portal

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • High reward multiplier on shopping

  • Welcome bonus points

What to watch out for

  • Annual fee applies

  • Lower base reward rate (1 pt/₹125)

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹1,000Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
₹500 or 3.5% of amount, whichever is higher
Foreign currency markup
3.5% of transaction value
Late payment
₹300 to ₹1,300 based on due amount
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
3.5% per month (42% p.a.)
Balance transfer
3.5% per month
Cash advance
3.5% per month

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with the issuer before you apply.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

750+out of 900
Good credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of the issuer are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about Citi BankAero Credit Card

Everything you need to know about Citi BankAero Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for Citi BankAero Credit Card is nominal, and the annual renewal fee is ₹1000 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for Citi BankAero Credit Card from the issuing bank, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

Citi BankAero Credit Card is designed to reward everyday spends. It currently features: "Earn up to 2,500 bonus Reward Points on card activation and initial spend (as published)". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via the issuing bank's rewards portal.

Citi BankAero Credit Card does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.

You can apply for Citi BankAero Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.