I have been using Citibank rewards credit card from past 4 years and never faced any issues.They have best rewards program among all the other bank credit cards. I have 2 more card one from HDFC and the other from ICICI but I feel Citibank rewards their customer better then others. There is an annual fee but if you spend more then a certain amount fee would not be charged. Rewards earned can be redeemed for cash back or one can redeem them on purchase made at certain stores like Lifestyle and westside.