You might have some accumulated points on your Citi debit card, might make sense to redeem it before the Axis transfer. Balance can be checked from account statement. To redeem,
Dear Customer, please SMS REDEEM <last 4 digits of your Citi debit card> from registered mobile no. to +919880752484 to redeem your reward points.
Dear Customer, please SMS REDEEM <last 4 digits of your Citi debit card> from registered mobile no. to +919880752484 to redeem your reward points.