Citibank Credit Card Spend Based Offer – May 2021 (Targeted)

By | May 22, 2021
Citibank Credit Card Spend Based Offer

I’ve been holding Citibank credit card since 2007 and I’ve received various offers from time to time but hardly received a targeted offer before. So this is probably my first Citi credit card spend based offer that I can remember of. Here are the offer details,

Offer Details

  • Offer: Spend Rs. 5000 and get amazon pay voucher worth Rs. 250
  • Duration: Spend between 29 April to 28 May 2021
  • Type: Spend based/ Targeted
  • Fulfilment: On or before 90 business days from campaign end date
  • Exclusions: All retail spends except EMI pertaining to loan on credit card, balance conversion n transfer, Dial an EMI and Merchant EMI, cash withdrawals, fees n charges, standing instructions & GST.
  • Offer T&C

Note: Transactions on add-on card to be considered as transactions on Primary card. Transactions on add-on cards will not be separately eligible for the offer.

Reward rate: With this offer, my reward rate jumps to a cool 5.5% (albeit for a low value of 5K only) on Citi Cashback card.

A decent offer for me, given that I don’t spend much on Citi cards. Though the offer targeted for me is a small one, its worth exploring as I’ve heard from few that they’ve got offers with vouchers of upto Rs.1000.


Most of you already know that Citi has put its retail Banking & Cards business on sale few weeks back in many countries including India. So seeing this offer for the first time when the exit is happening is interesting.

Have you received any such targeted spend based offers from Citi? Feel free to share your thoughts in the comments below.

Author: Satish Kumar Agarwal

Charmed by the world of finance especially Credit Cards, Bank Accounts. Helping friends in becoming financial savvy gives joy n pleasure to me.

31 thoughts on “Citibank Credit Card Spend Based Offer – May 2021 (Targeted)

  1. Joseph

    Probably trying to hike transaction volumes to make credit card business look more lucrative. Good site . Keep up the great work

  2. manoj kumar singh

    Last month I got same offer from Yes Bank and it got fulfilled as well.
    250 Amazon voucher for 7000 rs.

    Is there any way to inform you about new offer which comes to my notice.

    This Citi Bank offer was also received by me in April end via email. But I didn’t knew how to inform you.

    1. Satish Kumar Agarwal Post author

      Dear Manoj
      I too received it in April last week itself, but could get it published now. Check your email to receive Hi from me.

      1. Praveen Katiyar

        Can I also have ur email.
        Would keep u and Sid informed about offers.
        Last month I got offer of 30k spend on Indusind for a 3K voucher.
        This month upgraded to Indusind Legend.

  3. Praveen Katiyar

    Got the same offer on my Citi IOC card.
    Spend 5k for a 250 Amazon voucher.

    1. Praveen Katiyar

      I think doing double dipping is possible and makes sense.
      @Satish and others ?

  4. Girish

    500 vocuher on 5000 spend for me but not sure of wallet topup

    1. Satish Kumar Agarwal Post author

      Wallet top-up is always considered in Spend based offers unless mentioned in tncs explicitly, except that some banks give RPs on it and some don’t, as per their wallet RP policy.

  5. Vipin


    BankBazaar is offering RBL Bank’s Shoprite and Delight Credit Cards as lifetime free with NIL joining and annual fees. RBL Bank’s website shows Rs 500 and Rs 1000 as joining and annual fees against both these cards.

    Can BankBazaar be trusted with these kind of offerd? What if they withdraw it in near future since communication like email with details of the offer is actually being sent by BankBazaar. RBL bank will say they never run free credit card type of offer.

    Just curious to know if anyone here has an experience about BankBazaar website’s offer like this.

    1. SS

      Hi Vipin,
      Yes, bankbazaar can be trusted with these offers. RBL’s customer care reps are usually clueless about the ongoing offers of RBL bank on bankbazaar or similar websites. Make sure you do the following:
      1) Save a screenshot of the offer.
      2) Once you apply for it, the concerned bank rep will contact you. Tell the concerned bank rep specifically of the offer.
      3) Once you get the credit card, shoot an email to customer care along with the screenshot of the offer and get a confirmation from them in writing that the card offered to you is lifetime free.
      You can also check on websites such as creditmantri to see which is the best offer you are getting and then proceed accordingly.

    2. Jay

      Bankbazaar and Paisabazar can be trusted provided you listen to their offer carefully and ask for each tnc. Most of the bank gives LTF cards or run other promotions from other sources than their official website.

  6. Vishal

    I hope amazon wallet loading is also eligible for fulfilling 5k amount ?

  7. Suresh

    I have good credit score of 790+ but still citibank or hdfc or amex reject my credit card application all the time, but somehow I got citibank cashback cleared when applied through agent or DSAs. There is no negative reference in cibil in any of my cards or loans except in case of 2 citibank credit cards where it is shown value as “3” or “Settled” against “written off status” field. In fact I have paid and got NOC letter in Sep’07. But it says no dues and card is closed. Upon writing to customer care, they responded that I need to pay close to 5k to get this reference removed, which I feel is unfair despite paying what they demanded for the NOC letter. Please let me know what is the action I should take to get this negative reference removed

    1. Upendran M

      It is better to pay and remove all the reference. I had a similar problem with Andhra Bank a few years back. I paid the amount and as mentioned they removed it. After that I was able to apply and get a bunch of Cards and loans.

    2. Chaitanya

      Paying the balance is the only way to get it removed. And it’s highly unlikely Citi will consider you for a card again. The issue with HDFC and Amex could be something else.

  8. Manoj

    Similar offer run by icici bank

    Activation offer on Sapphiro American Express Credit Card

    Spend Rs 20,000 on the Sapphiro American Express Credit Card in a month and get Rs 750 cashback. Applicable for the first two months.

  9. manoj kumar singh

    New offer from citibnk using mobile app

    Use citimobile app for min 500 transaction for 3 months you will get 500 as cashback

    1. Deb

      3 months being considered for the offer are: 1st month: 21st April to 30th April 2021,
      2nd month: 1st to 31st May 2021 and
      3rd month: 1st to 30th June 2021.

  10. The Quintessential Poor

    Can anyone throw some light on as to why banks need 2+ days to settle credit card bills even when paid via net banking or upi ?

    1. manoj kumar singh

      Nowadays it get reflected in same day. We Get sms immediately. Only thing they need to report visa and MasterCard to update it in their system however bank update it immediately. It shows same date when you did transaction

    2. Praveen Katiyar

      I pay a lot of card bills thru NEFT. They are credited to my card the same day (mostly) or atleast I get confirmation from my bank that it’s credited. Card company may tell me a day later, but when credits, it does show the correct date.

  11. manoj kumar singh

    Just noted today if you recharge your Paytm wallet by Citibank mobile app then they don’t charge you anything extra.
    If you really want to have some minimum annual spend on Citi reward or Indian oil card to waive off annual fees then you can simply load your Paytm wallet and then transfer that wallet amount to your bank account. It will give you spend target achieved for annual fees waiver and also you can get some extra cash flow for that month.

  12. The Quintessential Poor

    On Hdfc cards I get the instant notification that the amount is credited. But on ICICI it takes 2-3 days on average and sometimes even more. And I pay from imobile app

    1. Manoj

      Try to pay icic card bill from phonepe or Paytm for same day settlement in card account. Bill payment from imobile takes time to reflect in card account.

  13. Ram

    What is the easiest way to get citi bank credit card?i have already 5 cards from other banks
    I applied citi 3 times and everytime getting rejected.


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