Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 1 Citi Cashback Card
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    1st Year Fee
    Rewards
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    500
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    Rs.500 Amazon Voucher
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    Citi Cashback Card is Rated as "Excellent!" by 785 Users

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    Credit Card BYTES FROM OUR KITCHEN

    Citi Cashback Card

    • 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

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  • Citi Cashback Card Reviews

    • Citibank Credit Card
      "Useful credit card for the people"
      0.5 5.0/5 "Blown Away!"
      Holding the CITI Cash back credit card for 1 year back. Its all cashback is the specialty about this card. I will get a cashback on offline and online purchase with a minimum of 7% cashback. I have got a credit limit of Rs. 50000 and I'm happy about it. They are charging Rs. 500 as a annual fee and it will get waived off if i use Rs. 15000 in a month.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 13, 2018
    • Citibank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The process in getting this card has been fine and there has not been any delay in getting the card. I am satisfied with the credit limit which they had given with the card and there has been some good benefits in holding this card as well. There has been an annual charges with this card as well.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Nov 11, 2018
    • Citibank Credit Card
      "Better"
      0.5 5.0/5 "Blown Away!"
      I have taken CITI CASHBACK CARD through online portal. It has good benefits. They are charging annual fee of 500 rupees. I am satisfied with the credit limit. I am using it for shopping purpose. Overall I am happy with the Citi Bank credit card service.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 08, 2018
    • Citibank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I had chosen to go with this card since there has been good cash back offers with the card. The process in getting the card has been easy and i got the card on time. I had started using the card and there has been an annual fee of 500 plus 18% GST with the card as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 01, 2018
    • Citibank Credit Card
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      Based on the brand value i have chosen Citi cash back credit card . There is annual charges for the card of rs 500 . After getting the card there is no response from their customer service as there is no mail regarding the card. Overall not satisfied with the service .
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 01, 2018
    • Citibank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The process in getting this card has been smooth and easy and i had got the card on the right time. The credit limit whcih they had given with the card has been less than expected and i am expecting it to be increased in the future. I am yet to explore the benefits and features with the card.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Oct 31, 2018
    • Citibank Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I had chosen to go with this card since there has been a lot of cash back offers with the card like cash back offers in shopping. The process in getting this card has taken 12 days and they had given me with a credit limit of 80,000. After the purchase of fuel through this card there has been cash back offers that i had been getting.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 31, 2018
    • Citibank Credit Card
      "Yet to experinece the card"
      0.5 4.0/5 "Great!"
      I had chosen to go with this card since there has been some good cash back offers with the card. The process in getting this card has been smooth and the card has reached on the right time. The credit limit with the card has been good and there has been an annual fee of 590 which is a little surprising since they had not informed about it.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 31, 2018
    • Citibank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      The customer service and response was very good. The charges and interest rate are nominal. I have 2 credit cards, one is Rewards and other is Cashback card. They charge annual of 499 rupees per year. The credit limit is better. Right now, am not getting any benefits.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 31, 2018
    • Citibank Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      I had chosen to go with this card since one of my friend has suggested that this card has the best benefits. The process in getting this card has been quite easy and they had well informed before the card was delivered. The credit limit which they had given with this card has been very low and there has been an annual fee of 500 with this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 25, 2018
    • Citibank Credit Card
      "Good card"
      0.5 3.5/5 "Pretty good"
      I got my my citi cash back credit card started using the card . Am satisfied with the credit limit which they have offered . There is annual charges for the card . There is no additional charges for the transactions which i make . And my friend suggested to go for Citi bank for credit card .
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 25, 2018
    • Citibank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I compared to many card where i found this Citi cash back card which suits my requirement . They are some annual charges for the card which gets waived off by accumulating redeem points . Pretty much not satisfied with the customer service as its been paid service for toll free number
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 25, 2018
    • Citibank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been holding this card for the last two years and there has been good benefits in holding this card like cash backs and rewards has been there. I am happy with the credit limit which they had given with this card and i had been using the card for most of the purchases as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 18, 2018
    • Citibank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had chosen to go with this card since this card will be very much suitable for me. The process in getting this card has been hassle free and the card has reached on the right time. The credit limit which they had given with the card has been satisfactory and there has been some good offers with the card. Their application has also been good where we are able to know the bank statement.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 18, 2018
    • Citibank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The whole process in getting this card has been good and the card also had reached on the right time. I am happy with the credit limit which they had given with the card and there has also been some good benefits with the card which i am yet to explore. Overall it had been a good experience with them so far.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 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. Everything had been done online and the card has also reached on the right time. They had given me with a credit limit of 52,000 which has been sufficient for the time being but i am expecting more in the future. There has been some good benefits in holding this card and i had only used the card once.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 11, 2018
    • Citibank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      Got my citi cash back credit card . As am satisfied with credit limit . There is annual charge for the card . There is no additional charge for the transaction which i make. Am satisfied with their customer service and response as they did documentation in time .
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 11, 2018
    • Citibank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The process in getting my CITI CASHBACK CARD has been smooth and easy and the card has also reached on the right time. The credit limit which they had given with the card has been less than expected, and there has been some benefits in holding this card. There has been an annual fee of about 500 and there has not been an EMI option available with the card.
      Was this review helpful? 1
      , kolkata
      Reviewed on Oct 10, 2018
    • Citibank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I had chosen to go with this card since there has been some good offers available with this card for online purchases. The process was little bit okay and it has taken almost 15 days in getting the card. I am a limited user and the credit limit which they had given with the card has been satisfactory and there has been good benefits in holding this card. There has been a processing fee of 500 which was charged and there is an annual fee of 1000 which will get waved of if we use 30,000.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 10, 2018
    • Citibank Credit Card
      "Good Card"
      0.5 3.0/5 "Satisfactory"
      Was Looking for a credit card and had Citibank on my list.I did found the interest rates Reasonable and i applied. Got it delivered on time and i am yet to use it. Wanted a cash back card and now i have it. Will use it and i hope it will serve better once i start using it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 09, 2018
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