By Bharti Bisht
Updated On May 7, 2022

The Citi Cash Back Credit Card issued by Citibank is a card to provide its customers with exciting cashback offers. With this card, you get an assured cashback of 0.5% on all your spends, and you get accelerated cashback (5%) on movie tickets bookings, telephone bill payments, and utility bill payments. Not only this, but the card allows you to save on various other spends, such as up to 20% discount on dining, up to 10% discount flight bookings through MakeMyTrip, exclusive discount offers on hotel bookings, etc. The cashback redemption process is hassle-free as the cashback you earn is automatically credited to your account in multiples of 500. Read on to learn more about this entry-level offering by Citibank.

Citi Cash Back Credit Card

Best Suited For

Shopping |

Joining Fee

Rs. 500 (plus applicable taxes)

Reward Type

Cashback |

Product Details

  • Get a 0.5% cashback on all your spending.
  • Get a 5% cashback on your telephone bill payments & movie ticket purchases.
  • The cashback of 5% on utility bill payments is applicable through Citibank Online Bill Pay only
  • Automatic adjustment of the cashback earned against the card’s statement balance in multiples of Rs. 500.
  • Up to 20% off on dining across several participating restaurants.
  • 1% fuel surcharge waived off on fuel transactions at all filling stations across India.

Rewards and Benefits

Welcome Benefits

N/A

Movie & Dining

Up to 20% discount on dining across participating restaurants.

Rewards Rate

5% cashback on telephone bills, movie tickets, and utility bill payments and 0.5% cashback on all other spends with the card.

Reward Redemption

Cashback is automatically credited to your statement in a multiple of Rs. 500.

Travel

N/A

Golf

N/A

Domestic Lounge Access

N/A

International Lounge Access

N/A

Insurance Benefits

N/A

Zero Liability Protection

Cardmember will not be liable for any fraudulent transactions done on the card once the card is reported lost/stolen to the bank.

Fees & Charges

Joining Fee

Rs. 500 (plus applicable taxes)

Renewal Fee

Rs. 500 (plus applicable taxes)

Spend based Waiver

N/A

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

3.5% on all foreign currency spends

Interest Rates

3.75% per month

Fuel Surcharge

The 1% fuel surcharge is waived off at authorized IndianOil Corporation outlets.

Cash Advance Charge

2.5% of the cash withdrawn subject to a minimum of Rs. 500

Add-on Card Fee

Nil

Citi Cashback Card Features and Benefits

Being a cashback credit card, the Citi Cashback Card provides its customers with exciting saving benefits on all their spends. Other than its cashback benefits, the card has a few more exclusive features & benefits which are as follows:

Dining Benefits

  • You can avail of a discount of up to 20% across several participating restaurants.
  • Citibank Cash Back Credit Card also entitles you to a cashback of up to 30% on spends on Zomato and Swiggy.

Other Benefits

Other than all the benefits mentioned above, the Citi Cashback Credit Card provides several other offers that include:

  • Avail a cashback of up to Rs. 3,000 on rent payments through RedGirraffe.
  • Up to 10% savings on MakeMyTrip.
  • Up to 15% cashback on duty-free stores.

Fuel Surcharge Waiver

You get a 1% fuel surcharge waiver across all IndianOil Corporation outlets for a minimum transaction of Rs. 10.

Citi Cash Back Credit Card Rewards

  • Cashback of 5% on movie ticket bookings with the card, subject to a maximum cashback of Rs. 100 in a given month.
  • Cashback of 5% on utility bill payments using the Citibank bill payments facility and via Citibank online.
  • Cashback on 5% on telephone bill payments using Citibank Cash Back Credit Card.
  • The cashback earned at a 5% rate under each of the aforementioned categories is capped at Rs. 100 per month.
  • If telephone bill payment is made via Citibank online or using Citibank online bill payment facility, it is considered under the same category as utility bill payment.
  • You earn a cashback of 0.5% on all other spends with Citibank Cash Back Credit Card.

Reward Points Redemption

  • The cashback earned on Citibank Cash Back Credit Card is automatically adjusted every month against the card’s statement balance.
  • The cashback is adjusted against the card’s statement balance in multiples of 500 only, i.e. you must have earned a minimum cashback of Rs. 500 for it to be adjusted against your credit card’s statement balance. Also, if the cashback earned is more than Rs. 500, but less than Rs. 1,000, only Rs. 500 will be adjusted against your card’s statement balance in that billing cycle, and the rest amount shall be carried forwarded to the next billing cycle.

Citi Cash Back Credit Card Fees and Charges

Other than the regular annual fee, there are a few more fees and charges that are applicable on the Citibank Cash Back Card. To understand all of these, refer to the below-mentioned points:

  • The joining and annual fee of the Citi Cashback card is Rs. 500 plus applicable taxes. This fee is charged once every year.
  • The interest rate on this credit card is 3.75% per month.
  • The foreign currency markup fee on the Citibank Cashback Credit Card is 3.5% of the total transaction amount. This fee is charged when you make transactions in a different currency using your credit card.
  • The cash advance fee on this card is 2.5% of the cash amount withdrawn subject to a minimum of Rs. 500. This fee is charged when you withdraw cash using your credit card.

Citi Cash Back Card Eligibility Criteria

The basic eligibility criteria that need to be fulfilled in order to get approved for the Citibank Cashback Card is as follows:

  • The age of the applicant should be between 23 years and 60 years.
  • The applicant should be either salaried or self-employed.
  • The applicant should have a decent credit history.

Documents Required

The documents you need to apply for the Citibank Cashback Credit Card are as follows:

  • Identity proof: Aadhar Card, Passport, Driving License, any valid government-issued Id, Voter’s Id, etc.
  • Address proof: Aadhar Card, Passport, Driving License, any valid government-issued Id, Voter’s Id, etc.
  • Proof of income: Latest salary slips (for salaried individuals) and latest audited ITR (for self-employed individuals).

How To Apply for Citi Cash Back Credit Card?

To apply for the Citi Cashback Credit Card, you can either visit your nearest Citibank branch to fill in the physical application form or you can fill in the online application form as follows:

  • Go to https://www.online.citibank.co.in/.
  • Select the option ‘apply for a credit card.’
  • Choose the Citi Cash Back Credit Card.
  • Fill in all the required details in the application form.

Citi Cash Back Card Application Status

If you have already applied for the Citi Cashback Card and want to know the progress in your application, you can track the status of your application as follows:

  • Visit Citibank’s application tracking page and get your application status in seconds by entering the required details.
  • You can contact Citibank Credit Card customer care at their 24×7 customer care helpline CitiPhone at 1860 210 2484.
  • You can visit your nearest Citi Bank branch and ask the bank executives about the status of your credit card application.

Conclusion

The Citi Cash Back 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 you with cashback on all your spending but also gives you amazing saving opportunities on your other spends as well. For example, you can avail yourself of up to a 20% discount across various participating restaurants, and up to a 50% discount on Zomato. Moreover, its welcome benefits and fuel surcharge waiver are also among its great features that can not be ignored. Another card that can be considered its high competitor is the Ace Credit Card which is issued by the Axis Bank and comes with a similar annual fee. However, your choice should totally depend on your requirements and spending habits. So, if you want a credit card that allows you to save more & more, you can undoubtedly go with the Citi Cash Back Credit Card.

FAQs:

The renewal fee of the Citi Cash Back Credit Card is Rs. 500.

No, with the Citi Cash Back Credit Card, you get a fuel surcharge waiver of 1% at IndianOil Corporation outlets for a minimum transaction of Rs. 10.

Yes, you get a cashback of 5% on utility bill payments through CitiBank Online Bill Pay.

The cashback you have earned is automatically credited to your statement in a multiple of Rs. 500.

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