Citi Bank Cashback Credit Card - Features, Benefits, Fees & Charges

Citi Bank Cashback Credit Card (4)

Cashback Best For: Cashback
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The Citi Cashback Credit Card can be the right choice for you if you like to save money on everyday expenses and love eating out. For a joining and annual fee of just ₹500, you can enjoy 5% cashback on your telephone and utility bill payments, as well as movie tickets. Plus, you'll get 0.5% cashback on all other expenses and a 20% discount at participating restaurants. And here's the best part - your unredeemed cashback never expires and is credited to your statement monthly! Keep reading to discover more about the benefits of this card. 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Dining Benefit

 20% instant savings up to ₹1000 on a minimum transaction of ₹4000 on eating out through the EazyDiner Mobile App and Website.

Cashback Benefit
  • 5% cashback on movie ticket purchases.
  • 5% cashback on telephone bill payments.
  • 5% cashback on utility bill payments.
  • 0.5% cashback on all other spends.
  • 5% cashback on a monthly spend of ₹4000, capped to ₹100 per month per category.
Shopping Benefit

Various discounts and offers available with partnered retailers across categories like fashion, lifestyle, health etc.

Zero Lost Card Liability

No liability of the cardholder in case of fraudulent transactions done using this credit card if the loss or theft of the card is reported to the bank within the prescribed time period.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹ 500

Annual Fee

₹ 500

Annual Percentage Rate

45%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.50%

Cash Advance Limit

40%

Card Replacement Fee

Nil

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

NA
Late Payment Charges

Balance below ₹2000

₹ 0

Balance from ₹2000 to ₹7500

₹ 600

Balance from ₹7500 to ₹15000

₹ 950

Balance more than ₹15000

₹ 1300
Pros

Aspects that make this credit card amazing.

  1. Cashback of 0.5% on all other spends with Citibank Cashback Credit Card.
  2. 20% discount on dining bills across several participating restaurants.
  3. Up to 10% savings on MakeMyTrip.
  4. Up to 15% cashback on duty-free stores.
  5. Savings worth ₹3600 in the first year.
Cons

Aspects this credit card lacks.

  1. Pay an interest rate of 3.75% per month on this credit card.
  2. 3.75% forex fee on all international transactions.
  3. It does not offer welcome and joining benefits.
  4. Does not offers lounge access & travel benefits.
Citi Bank Cashback Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3)

Rewards

(3)

Customer Service

(3.5)

Citi Cashback Credit Card Review

The Citi Cashback Credit Card is one of a kind card that offers cashback on different day-to-day activities. While the card offers a wide range of reward returns on ticket booking, dining, paying fuel bills, and so much more. This card is for people who like going out and spending on sources of entertainment. The cashback redemption process is hassle-free as the cashback one earns is automatically credited to their account in multiples of ₹500. 

There are several credit cards available on the market right now that offer a number of features at a reasonable annual cost. 

Overview

Best For People who like going out
Joining Fee ₹500 plus taxes
Annual Fee ₹500 plus taxes
Welcome Bonus None
Card Type Entry-level
Best Feature Rewards on day-to-day purchases

Who should get Citi Cashback Credit Card?

The card is best suited to those who:

  • Aim to raise their credit score while searching for their first credit card.

  • Are searching for payback as opposed to rewarding points.

  • Want to get rewards on purchases like cinema tickets, phone bills, and utilities without paying a large annual fee.

The Citi Cashback Credit Card is a great choice for people who are looking for an affordable credit card with exclusive cashback offers. The card not only provides cashback on most spending like movies, phone bills, etc. but also gives amazing saving opportunities on other spending as well like a 20% discount across various participating restaurants, and up to a 50% discount on Zomato. One can save up to almost ₹3600 in the first year itself. 

Reward Points

PARTICULARS REWARD POINT (CASHBACK)
Movie Ticket Purchases 5%
Phone bill payment 5%
Other spends 0.5%

Reward Redemption

  • Cashback will be automatically credited to the user’s account in multiples of ₹500.
  • Unused cash back never expires and is always valid.

How to apply for Citi Cashback Credit Card?

Step 1: Go to the Citi Bank website.

Step 2: Click on the "Credit Cards" tab and then on 'Cashback Card'.

Step 3: If you are an existing Citi Bank customer, log in to your account and fill out the credit card application form. If you are not a Citi Bank customer, click "No" when prompted and follow the instructions to fill out the application form on the Axis Bank website.

Step 4: Submit the application form.

Step 5: Your application will be processed by Citi Bank or Axis Bank, depending on your status as an existing customer or not.

Note: Please ensure that you provide accurate and complete information in the application form to increase your chances of approval.

Citi Cashback Credit Card Eligibility

Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.

Documents Required

  • Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
Citi Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

Citi Bank

Citi Bank Credit Card Customer Care Number:

1860 210 2484

Citi Bank Card Offers:

View Offers

Total Cards:

1,91,852
Citi Bank Credit Card News

We are looking for some news yet.

Citi Bank Cashback Customer Reviews

Overall Rating

4

Based on 1 reviews

Rating Summary

5
0%
4
100%
3
0%
2
0%
1
0%

Review Analytics

Fees 0 votes

Interest Rate 0 votes

Rewards 0 votes

Benefits 0 votes

Customer Service 0 votes

Frequently Asked Questions

The following documents must be submitted in order to apply for a Citibank CashBack credit card:

  • Address documentation includes a passport, driver's licence, voter ID, etc.

  • Identification documentation includes a bank statement, voter ID, driver's licence, pension book, etc.

  • Income Documents: Payslips, Bank Statements, Income Tax Returns, Pan Cards, and Passport-Sized Photos.

Citibank charges an interest rate of 3.75% monthly on CitiBank CashBack credit cards, which annually stands at a total interest of 45%.

 No, Citibank Cash Back Credit Card doesn’t have lounge access. You can access lounge access on Citibank Credit Cards like Citi Premiermiles Credit Card and Citi Prestige Credit Card.

With this credit card, you will always receive 0.5% cash back on purchases and an accelerated cashback of 5% on purchases of movie tickets, phone bills, and utility bills. Also, the card enables you to save on various other purchases, such as up to 20% off dining, up to 10% off ticket bookings through MakeMyTrip, and special offers on hotel reservations.

Yes, you can get an E-statement for your Citibank Credit Card, which is one of the privileges that Citibank offers. So to get the E-statement, you just have to sign up for the Statement via E-mail service. You can receive your Credit Card/Bank Account Statement on your E-mail ID.

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