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Not all the credit cards allow you to use the reward points to pay back the credit card bill.  However, some of the citibank cards doesn't allow this.

Which are the Credit Cards on which this cash-back is available? What is the conversion ratio?

Below is the conversion ratio and the cards allowed as of April 2017.

  • Citi Rewards Card – 1 Reward Point = 35p
  • IndianOil Citi Platinum / Titanium Card – 1 Turbo Point = 35p
  • Citi Cashback Card– 1 Reward Point = Re.1
  • Citi Prestige Card – 1 Reward Point = Re.1

Read - https://www.online.citibank.co.in/portal/pdf/Rewards-Redemption.pdf or this.

However, you can use the reward points to buy stuff. You trade your Citibank Reward points for  Amazon gift coupons, which you can then use to buy the items of your choice online at Amazon.in.

The reward points of ICICI, SBI and Citibank are also accepted in various show rooms and Lifestyle is just one of them.

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