Citi Titanium Cash Rewards Credit Card
KeepWeekday rate, weekend rate, a point worth a rupee — and three airlines to spend it on.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹9,000 a month
At ₹9,000 a month — ₹1,08,000 a year — on the everyday mix this card returns ₹500 gross (earn ₹500) against its ₹500 fee = ₹0 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · why it ranks #897
Why #897 A weekend-accelerated cash card with a stated rupee value per point and, unusually, an airline exit — Citi named three carriers by name. Carried because that combination has no descendant on this board and because it is repeatedly confused with the Citi Cash Back card, which it is not.
The take
This is the card people mean when they misremember the Citi Cash Back card as having had an accelerator, and it is worth separating the two because they are genuinely different products with different mechanics. The Cash Back card paid a percentage straight to your statement. This one paid a Cash Reward Point, which Citi priced at a rupee, and it paid five times as many of them on Saturdays and Sundays as on weekdays — an accelerator keyed to the calendar rather than to a merchant category, which almost nothing on the Indian market does today. The redemption menu is the other surprise. Points came out as a statement credit, at the billing counter at Landmark, Westside and Shoppers Stop, as catalogue gifts, as vouchers at online shops — and as air miles on a full-service airline, with Citi naming Jet Airways, Kingfisher and Indian Airlines. That is an airline door on an entry-level cash card, and all three carriers have since either died or been absorbed. Citi also sold it on a headline interest rate rather than on rewards, which tells you who it was aimed at. It cost nothing to take and ₹500 a year to keep. Long withdrawn.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹500/yr at stake · 5 spend bands
The charge ₹0 joining, then ₹500/yr
Break-even ₹9,000 a month — ₹1,08,000 a year — is where this card's value crosses its fee.
At your spend
₹1,000 a year, net of the fee, at ₹3,00,000 of annual spend
₹2,500 a year, net of the fee, at ₹6,00,000 of annual spend
₹5,500 a year, net of the fee, at ₹12,00,000 of annual spend
₹17,500 a year, net of the fee, at ₹36,00,000 of annual spend
₹29,500 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Citibank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Free to take and ₹500 a year to keep — Citi printed the first-year fee as zero on a separate line from the renewal
- Citi priced its own unit: a Cash Reward Point carried a stated value of one rupee
- The accelerator was the CALENDAR, not a category — Saturday and Sunday spends earned at five times the weekday rate
- Points came out as a statement credit, at the Landmark, Westside and Shoppers Stop billing counters, as gifts, or as air miles on a named full-service airline
- Citi sold it on a headline interest rate it called best-in-class, which the fee illustration priced against an industry rate of 37.2% a year
Watch out
- WITHDRAWN — gone from Citi India's range before the Axis Bank handover, and not one of the nine products on Axis's Forward Together site
- NOT THE CITI CASH BACK CARD this board also carries: that one pays a percentage to the statement, this one paid a priced point on a weekday/weekend split
- THE AIRLINE EXIT NAMED THREE CARRIERS AND ALL THREE ARE GONE: Jet Airways, Kingfisher and Indian Airlines
- The weekend rate depended on the date the MERCHANT submitted, not the date you spent — Citi disclaimed responsibility for the difference in writing
- The headline 0.50% is the WEEKDAY rate — five days in seven earn a quarter of what Saturday and Sunday do, so the card only works for someone who can move spend onto the weekend
- The airline exit is priced NOWHERE: Citi named three carriers and published no conversion ratio, so the ₹1 a point comes from the statement-credit rail and nothing here claims a miles value
- No lounge access, no co-brand, no travel accelerator and no forex concession
What these points actually fly
No live transfer route takes Citibank Cash Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. The card was withdrawn from Citi India's range before the bank sold its Indian consumer business to Axis Bank, and citibank.co.in no longer resolves. The Citi Cash Back Credit Card, which is a different product, is the one that survived to the handover and is on this board with its own page.
Citibank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
7 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Apr 2021Citi announces exit from Indian consumer bankingCiti credit cards, retail and wealth in India → Consumer business up for sale (later to Axis)
Citi called time on its Indian consumer arm — including its cult PremierMiles and Rewards cards — citing a lack of scale. The portfolio would eventually pass to Axis, ending one of India's most-loved rewards ecosystems.
- 12 Oct 2019Citi India guts reward earning on utilities, insurance, and tax
- 1 Dec 2017Citi PremierMiles' 10X 'Extra' partner program dies for good
- 1 Apr 2016Citi Prestige strips Etihad Guest Gold and partner perks
- 1 Feb 2015Citi PremierMiles doubles the cost of transferring to airline partners
- 16 Jul 2012Citibank kills Jet Airways co-brand, pivots to PremierMiles
- 16 Jul 2012Citibank Retires 13-Year Jet Airways Co-Brand, Launches PremierMiles
Every Citibank change we've dated → 7 events since 2012, 4 of them nerfs — worst year 2019.
Verified against Citibank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 2 of them, each with the day we read it
- official Citibank India's own Titanium Cash Rewards Credit Card product page (archived 09-Feb-2014) — the two-line fee, the weekday/weekend table and the named airline redemption
- official "Forward Together", Axis Bank's Citi-transition site — the closed nine-product set Citi India still had at the handover, which does not include this card