Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Citi Cashback Card

    Citi Cashback Credit Card offers great savings on everyday spends by providing instant cashback on movie ticket bookings, telephone and utility bill payments, and others. Apply now to enjoy money saving benefits all year long.

    We found 1 Citi Cashback Card
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    1st Year Fee
    Rewards
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    500
    Response Time : Within 30 minutes
    Rs.500 Amazon Voucher
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    Citi Cashback Card is Rated as "Excellent!" by 808 Users

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    Credit Card BYTES FROM OUR KITCHEN
    • 5% Cash back on transactions done for Movies, telephone bill payments and Utility payments through Citi Billpay. Cash back is capped at Rs.100 per month for each category
    • 0.5% Cash Back on all other spends. No cap on cash back earned
    • Annual Fee of Rs. 500 - to be charged in the first statement and thereafter, every 12 months
    • Cash back earned gets auto credited on accumulation of a minimum of Rs.500, and thereafter, in multiples of Rs.500
    • Annual fee INR 500

    Spend and save more with a Citi Cash Back credit card and enjoy exciting benefits all year long. This card provides excellent cash back options on every transaction, ensuring savings on your everyday spends. Citibank also has a hassle free redemption process, where a customer can get cash back automatically as a statement credit. The card also features other privileges on shopping, dining and convenient bill payment options.

    Citi Cash Back Credit Card Benefits:

    • The Citi Cash Back credit card offers a bundle of benefits, helping customers save while they shop their heart out.
    • Customers can get 5% cash back on all movie ticket purchases.
    • Telephone bill payments earn a cashback of 5%.
    • Card holders can get 5% cash back on all utility bill payments made via Citibank Online Bill Pay with a cap of Rs 100 per month on the utility bill cashbacks.
    • On all other transactions, customers get 0.5% cash back.

    Citibank Cash Back Card Features:

    • Cash back redemption can be done in multiples of Rs 500 which will reflect on the monthly statement.
    • Customers can enjoy exclusive discounts of up to 20% across 2000 restaurants all over India.
    • For shopaholics, the card offers unbeatable savings and deals at retail stores across the country.
    • Card holders can also choose to pay back their purchases as EMIs while using their cards in over 2000 consumer electronic outlets, retail chains and e-retailers.
    • The card offers a bunch of value-added services like instant loans, easy payment and balance transfer options from any other bank in India. Paylite from Citibank offers balance transfers at 12% interest rate per annum with convenient repayment plans.
    • Customers can access any information regarding their credit cards using Citibank's mobile banking, online banking, SMS banking or phone banking services.

    We all use credit cards to pay many bills. These days, credit cardholders prefer paying their utility bills, dining expenses, entertainment bills, and make purchases using their credit card. Although all credit cards give the cardholder few days to repay the total due amount without charging interest, there are some cards that reward their cardholders for their credit card spends. What if we told you, you can save while you spend? It is always beneficial to hold a credit card that has an excellent loyalty program where you can earn reward points, cashback, discounts, and other benefits which will help you save. Citi Cash Back Credit Card is one such card.

    Features and benefits of Citi Cashback Credit Card

    • Cardholders get 5% cashback on movies tickets purchased at merchant outlets that are registered under the MCCs assigned for Entertainment (Movies) by Visa and MasterCard. However, the maximum cap on movie ticket purchases is Rs.100 per month.
    • Cardholders also get 5% cashback on utility bill payments made using the card, subject to a maximum cap of Rs.100 per month.
    • If you hold a Citi Cashback Credit Card, you will also get 5% cashback on all your telephone bill payments, subject to a maximum cap of Rs.100 per month.
    • Apart from payments made towards movies, telephone bills, and utility bills, cardholders can earn 0.5% cashback on all other purchases made using the card.
    • As this is a contactless card, the cardholder does not have to swipe the card to process a payment. You can just tap the card on the contactless terminal to process a payment.
    • As soon as the cardholder accumulates 500 reward points, the applicable cashback amount will be credited to the cardholder’s credit card account automatically. However, the credit will only be processed in multiples of Rs.500.

    How does Citi Cashback Credit Card work?

    Cardholders using the Citi Cashback Credit Card will get a percentage of the amount spent on the card as cashback on certain spends. One reward point earned on the card is equal to Rs.1. Once the cardholder has accumulated 500 reward points, he/she can redeem it. After accumulating 500 reward points, cardholders can request Citibank by either calling the customer care department or sending a written request to redeem the points earned against the credit card outstanding balance. This way, the cardholder can reduce the credit card due amount.

    For example: If your Citi Cashback Credit Card total outstanding due amount is Rs.10,000 and you have accumulated 1,000 reward points, you can request the bank to redeem the cashback you earned to be adjusted against the due amount. Once, the adjusted reflects, your credit card bill amount will drop to Rs.9,000. This way, you can save while you spend.

    Eligibility and Documentation:

    • To be eligible to apply for Citibank Cash Back card, the applicant must be aged at least 18 and should have a good credit score.
    • The applicant will be asked to submit one photograph, ID proof and an address proof. Also, other documents like PAN card, latest salary slips and ITR statement might be asked for.

    Fees and Charges:

    • Customers are charged an interest rate of 2.50% per month, which totals up to 30% annually. The interest rates tend to change depending on the customers spend, payment and utilization patterns and is at the bank's discretion.
    • Citi Cash Back credit card customers have to pay an annual fee of Rs. 500 which is billed in the first month statement of the card.

    Fees and charges of Citi Cashback Credit Card:

    Particulars

    Fees and charges

    Joining fee/ Renewal fee

    Rs.500

    Cash advance fee

    2.5% on the transaction amount withdrawn, subject to a minimum Rs.500

    Over credit limit charge

    2.5% of the transaction amount excluding taxes, charges, and other fees, subject to a minimum Rs.500

    ACH/ECS/Cheque bounce fee

    Rs.500 per returned ACH/ECS/Cheque

    Late payment fee

    • Rs.300 if the due amount is less than Rs.1,001
    • Rs.600 if the total due amount is between Rs.1,001 to Rs.25,000
    • Rs.950 if the due amount is above Rs.25,000

    Fuel transaction fee

    Rs.1% on the transaction amount, subject to a minimum of Rs.10.

    Railway ticket booking surcharge

    1.8% of the transaction amount

    Reissue of lost, damaged, or stolen card

    Rs.100

    Statement Request (beyond 3 months)

    Rs.100

    Markup fee

    3.5% if the international transaction is in US Dollars.

    For transactions in other currencies, the transaction amount will be first converted to US Dollar before the markup fee levied. The conversion rates will be published by the card networks.

    Cash deposits at Citibank bank branch

    Rs.250 per deposit

    Cash deposits at Citibank ATMs

    Rs.100 per deposit

    Interest rate

    The interest rate initially will be 3.25% per month (39% per annum). However, the interest rate can vary between 3.10% to 3.40% per month.


    If the cardholder does not make the minimum due payment before the due date, the interest rate may go up to 3.50% per month.

    How to Apply for Citi Cash back Credit Card:

    • Check out the credit cards section in BankBazaar.com to explore and compare credit cards.
    • Check your eligibility for a card. BankBazaar will display a list of credit cards based on your requirements.
    • Click on "Apply" and fill in your personal details to instantly apply for the selected card.

    Alternatively, you can walk into any Citibank branch office and apply for a credit card in person. You can also visit Citibank’s official website and get a credit card.

    FAQs on Citi Cashback Credit Card:

    Frequently ask questions about Citi cashback card

    1. What are the different bill payments methods offered to a Citibank customer?
    2. Customers can choose to pay their credit card bills via online banking, Citibank E-Pay, NEFT / RTGS, ECS debits and ATM deposits.

    3. Are online statements available for a Citi Cash Back credit card?
    4. Yes, customers can get instant online statements from the Citibanks web portal.

    5. What kind of information can I get from Citi Alerts?
    6. Citi Alerts can be used to track your account activity with free SMS and email alerts.

    7. Can I convert my outstanding credit card balance into EMIs?
    8. Yes, customers do have the option of converting their outstanding balances into EMIs and repaying the balance in smaller amounts at lower interest rates.

    9. What are the documents required to be submitted while applying for a Citibank Cash Back credit card?
      • One passport size color photograph
      • Address proof
      • Photo ID proof
      • Customer consent form

    Other Top Credit Cards By Citibank

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  • Citibank Corporate Credit Card
  • Citi Cashback Card Reviews

    • Citibank Credit Card
      "Very Good Service"
      0.5 3.0/5 "Satisfactory"
      The process in getting this card was too good and was fast and there has not been any delay in getting this card. But the credit limit with this card has been very less when compared with the other cards which i am holding. There has been an annual charges of 590 with this card and i have started using this card and had payed my first bill.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 13, 2019
    • Citibank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      The process in getting this card has been smooth and easy and there has not been any hassle in getting this card. The credit limit which they had given with this card has been sufficient and they had explained me with the benefits and the features with this card. There has been an annual charges with this card which will get waved off as per the usage.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jan 13, 2019
    • Citibank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      The process in getting this card has been smooth and easy and there has not been any delay in getting this card as well. They had given me with a credit limit of 65,000 and they had explained me with the benefits and the features with this card as well. There has not been any sort of annual charges with this card.
      Was this review helpful? 1
      , kolkata
      Reviewed on Jan 10, 2019
    • Citibank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I have been using the CITI bank credit card more than 10 years. I am holding the CITI cashback card. I never had any problem with this card. They have offered me a credit limit of more than 8 lakhs. There has been no yearly charges. The service is quite fine with them.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jan 10, 2019
    • Citibank Credit Card
      "Seems to be good"
      0.5 5.0/5 "Blown Away!"
      They have charged me a annual fee of Rs. 380 but when i applied the card they said its a annual fee free card. When i called the customer care, they said this is annual fee chargeable. I'm very much satisfied with the credit limit provided by CITI card. Offers are seems to be good but not a practical one.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 04, 2019
    • Citibank Credit Card
      "Good Card "
      0.5 4.0/5 "Great!"
      I have selected this CITI CASHBACK CARD without any reason. They have offered me a credit limit of Rs. 80000 and i think there is a annual fee of Rs. 500 and i'm not sure about the waiver option. They are sending a regular promotional offers on my messages and mails.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 04, 2019
    • Citibank Credit Card
      "Good card with annual fee"
      0.5 5.0/5 "Blown Away!"
      Reason for choosing this CITI CASHBACK CARD because its giving so much cashback offers, I have received the credit limit of rs. 67000 and I'm glad about it. There is a mandatory annual fee of Rs. 500 and it won't be waived off. I haven';t received any kind of offers so far. There is a cashback offer on flipkart but i have not availed the same.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 26, 2018
    • Citibank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      Since CITI bank cashback card given me more offers, i have selected this card. I have got the credit limit of Rs. 50K and i'm okay with it. Since 2 months, I'm using this card. I never approached their call centre people. They are providing cashback on each and every transaction.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 19, 2018
    • Citibank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have applied for Citi bank Rewards credit card for long time , they have not charged me annual fee for first year, but after that they will be charging annual fee , and i am not happy with my credit limit they have given me very less credit limit in this card and they have not given good limit , but service is good, recently also i have applied for this bank credit card expected that they will give good credit limit but they did not, there offers is also too less they have given me in this bank.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 17, 2018
    • Citibank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have applied for Citi bank Indianoil credit card for an while, they have not charged me annual fee for first year, but after that they will be charging annual fee , and i am not happy with my credit limit they have given me very less credit limit in this card and there offers is also too less they have given me in this bank.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 17, 2018
    • Citibank Credit Card
      "I'm satisfied with this card"
      0.5 5.0/5 "Blown Away!"
      I have started using the CITI bank credit card for last 2 months. They have offered me a credit limit of Rs. 52000. I'm not remember about the annual fee. Am always purchasing a air tickets hence the charges are less and they will provide some rewards points on my purchase. I never interacted with the CITI bank customer care.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 17, 2018
    • Citibank Credit Card
      "Good Card to Use"
      0.5 4.5/5 "Excellent!"
      I am using Rewards credit card with CITI bank from last 2 years, there was no annual fee charged for this credit card. Offers like reward points are good in this credit card and the conversion value is also good. I am happy with the credit limit provided by CITI bank credit card
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 01, 2018
    • Citibank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have just started using the card for last one month. Actually I wanted to have a Credit Card and my friend has suggested me to got with the CASHBACK CARD. The credit limit is okay, they are charging 500 rupees as an annual fee. They took 10 days to deliver the card and documents are submitted to the executive.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Nov 30, 2018
    • Citibank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have applied for Citi bank cash back credit card for a while, they have charge me annual fee but there is and option of waived off as they said if i spend certain amount my annual fee will get waived off and i use this card for shopping as they give me good cash back in shopping and in fuel.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 29, 2018
    • Citibank Credit Card
      "Good card"
      0.5 4.5/5 "Excellent!"
      I have been holding Citi bank cash back credit card for long time, there service is good and i have again recently applied reward card as well, and they have not charged any annual fee in this card, and i am happy with my credit limit which they have given me in this card , and they use to give good cash back in this card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 28, 2018
    • Citibank Credit Card
      "Very Good Service"
      0.5 3.0/5 "Satisfactory"
      I used to travel a lot and i was looking for a card with a good credit limit and this card has been offered with a good credit limit. The process was good and there has not been any delay in getting the card. There is an annual fee with the card which will get waved off as per the usage.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 28, 2018
    • Citibank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      The process in getting my CITI CASHBACK CARD has been smooth and easy and there has not been any delay in getting this card as well. There has not been any annual charges with the card and i am okay with the credit limit which they had given with this card as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 28, 2018
    • Citibank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have taken my CITI CASHBACK credit card with Citi Bank through online channel. The rate of interest and charges as per the market standard. There are plenty of offers for fuel, shopping, etc. They do charge annual fee of 500 rupees, If i spend above 1L within a year then annual fee will be waived off. The credit limit could have been better.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 24, 2018
    • Citibank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      They have offered me a credit limit of Rs. 1 lakhs. I have purchased this CITI bank credit card its been 2 months since i use the card. For every shopping,i will get cash back but i have not received the same. Other credit cards, which I'm using will get a rewards points but this card is not helping me much. I have to pay the annual fee of Rs. 500.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 22, 2018
    • Citibank Credit Card
      "Average card"
      0.5 1.0/5 "Really Bad"
      I got Citi cash back credit card from citi bank , There customer service and response is good . But there customer service toll number is charges one . They have offered low credit limit of Rs25000 . I have chosen this card mainly for the cash back offers , As of now i haven't availed any benefits.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 21, 2018
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