With the Citi Cashback credit card, you can make the most of a wide range of cashback offers on all your purchases made with the card. You can also avail special EMI offers on a variety of products online as well as at stores. The card has an interest rate of 3.1% to 3.5% per month and comes with no joining fee. The annual fee of the credit card is Rs.500 for the first month and second month onwards.
This credit card is mainly for the people who wish to earn cashback rewards on every transaction they make with the card.
You as a cardholder will be entitled to get 5% of cashback on every movie ticket purchase.
The total cashback earned will be credited to your account automatically once it reaches Rs.500 and further on multiples of Rs.500.
This is one of the few credit cards which is contactless, which means it does not require a pin during the swiping of the card. All a customer must do is tap the card and the payment will be made. However, this feature will only be applicable for all the purchases below Rs.2,000.
Cashback benefits of the Citi Cashback Card:
5% cashback will be rewarded to you on purchases of movie tickets, bill payments or on any payments done for utilities done through Citi Billpay. The maximum cashback you will earn is Rs.100 for each category.
On any other category of expenses or spends, 0.5% cashback will be given to you without a limit on the amount for cashback.
Any payments for telephone bills will earn a cashback of 5%.
The cashback which can be redeemed is in multiples of Rs.500 and will appear automatically in the final credit card statement.
You will also be entitled to discounts in the restaurants partnered with Citibank.
Features and Benefits of the Citi Cashback credit card:
5% cashback will be given on booking of movie tickets or any kind of utility payments through Citi Billpay.
For the payment of telephone bills, if you are paying with a Citi Cashback card, you will receive a cashback of 5% and the maximum cashback will be Rs.100 per month.
Any kind of utility bill payment will result in a cashback of 5% which will also have a cap of Rs.100 per month.
On any other type of purchases, you will be entitled to a cashback of 0.5%.
On a minimum accumulation of Rs.500, the cashback will be automatically credited to the account and will show on the credit statement.
If you own a Citi Cashback card, you will be entitled to receive various discounts and offers in various stores which are partnered with the bank.
People holding a Citi Cashback card will receive a discount of 15% on close to 2000 restaurants Citibank has partnered with.
Customers who own the Citi Cashback Card will also receive privileges on EMIs for various products at various electronic stores, shopping outlets, retailing chains as well as during online shopping.
Fees and Charges associated with the Citi Cashback Card:
Credit Card Fee Type
Rs.500 for the first month and incremented from the second year.
A variable interest between 3.1% - 3.5% per month.
Supplementary card fee
Cash Withdrawal fee
2.5% for a domestic withdrawal for a minimum amount of Rs.500
Rewards Redemption fee
Late payment fee
Rs.300 for a current balance of less than Rs.10,001
Rs.600 for a current balance between Rs.10,001 up to Rs.25,000
Rs.950 for a current balance above Rs.25,000
Over credit limit fee
2.5% on the amount over the credit limit. The minimum will be Rs.500. (The amount excludes charges, taxes and fees).
Cheque return or bounce fee
Rs.500 per returned cheque
Statement request fee
Rs.100 (For more than 3 months)
Railway ticket booking surcharge
1.8% of the transaction value
Re-issue of the card
Cash payment fee
Rs.250 per deposit
Cash payment at ATMs
Rs.100 per deposit
Eligibility criteria required to apply for a Citi Cashback credit card:
The applicant must be above 18 years of age and be an Indian citizen.
Along with that, the applicant should also have a good credit report with good payment history and a good score. Apart from this, the applicant must also have a stable income and salary.
Documents required for a Citi Cashback credit card:
Passport size photograph of the applicant.
Address proof which will include a copy of the Passport, Ration Card, electricity bill, Aadhaar, etc.
Application form of the credit card which must be filled.
Form 60 and the PAN card of the applicant.
Proof of income such as the latest salary slips, documents of IT returns as well as Form 16 should be provided by the applicant.
Identity proof - PAN card, driving license, Aadhaar Card, etc.
How to apply for the Citi Cashback Card online?
You can apply for the Citi Cashback Card directly from the Citibank website.
Or, you can also apply for the credit card on BankBazaar, from the same page you’re currently on, to enjoy the exclusive partner offers and additional benefits.
Follow the steps to apply now –
Navigate to the top of the page to find ‘Check Eligibility’ button.
Click on it, fill the required details to know your eligibility for the card.
If you’re eligible, you will find an option to apply for the card.
Click on it, submit the required details and documents and press ‘Submit’
Once the documents are submitted successfully, you will receive an acknowledgement message carrying the application ID. You can use the same to track your capplication status in the later stage.
FAQs on Citi Cashback Credit Card:
What are the different bill payment methods offered to a Citibank customer?
The customers can choose to pay their credit card bills via various options such as online banking, Citibank E-Pay, NEFT / RTGS, ATM deposits and ECS debits.
Are online statements available for a Citi Cashback credit card?
Yes, customers can get instant online statements of their credit card from the web portal of Citibank by entering their details.
What kind of information can I get from Citi Alerts?
Citi Alerts help you track your account activity with free SMS and email alerts.
Can I convert my outstanding credit card balance into EMIs?
Yes, customers do have the option of converting the outstanding balance on the credit card into EMIs. This will allow them to pay smaller amounts at one time, also with a lower rate of interest. To know more visit the website of Citibank or you can also call the customer care helpline of the bank.
What are the documents required to be submitted while applying for a Citibank Cashback credit card?
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I really do not know how to contact the customer care service of CITI bank. I am not aware of the bill due date and bill cycle regarding that i haven't received any welcome calls. I have got two number from Google to reach the customer care but the call is not getting connected. Just to experience the credit card, i bought the CITI bank credit card.
I have been Citi Cashback credit card from last one month. The process was very difficult to get the card and they took longer time. They are charging me annual fee of Rs.500 but it will be waived off if I spend above 30K in a year. They have given me a limit of 75K which is too low.
From CITI bank, i have a credit card and the card variant is Cashback card. They have provided me a limit of Rs. 50000. I get the cashbacks on all my purchase and I'm unable to convert the rewards points into cash. CITI bank people are sending the mail notification regarding the offers.
Citi Bank is giving more cash back offer than other bank credit card. I got a CASH BACK card but the limit was average, I would suggest them to improve the limit. There is no annual fee. They have taken less than 10days to deliver the card and the process was simple.
Citi Bank credit card experience is good and the limit is fine. I have been using Citi Rewards card with the limit of above 75K and last 2months back received a new card called CASHBACK. The limit is really fine. I am getting reward points and cash back for petrol filling, etc.
I had applied CITI CASHBACK CARD online. Credit limit is 50 thousand and I am ok with it. Annual fee is chargeable. I had received the card on time. I have started using the car and I am using it for shopping. Citi bank customer service was very helpful.
I have received my CITI CASHBACK CARD from Citi Bank. They have given very low credit limit. I was expecting 80-90 thousand but they have given only 50 thousand. Annual fee is Rs. 500. There is offers and reward points. I am using it for grocery and petrol.
I have received my CITI CASHBACK CARD from Citi Bank. My credit limit is only 50 thousand. I was expecting at least one lakh. There is annual fee of Rs. 500. There is no option to get annual fee waived. I have not got reward point and cashback yet.
I had applied for CITI CASHBACK CREDIT CARD which got approved in 4 days but while doing the online payment its not getting reflected on my credit card and the amount is also debited from my account, if i do second time then the payment is successful, credit limit of the card is nominal and it has only fuel surcharge benefit.
From CITI bank, i am having a cashback which I'm using for past 4 years. If i use the card for Rs. 1 lakh, i get a Rs. 500 cashback. They have given me a limit of Rs. 90000. I need to pay the annual fee of Rs. 500. I never interacted with the customer care. I get a referral bonus from their website if i refer any of my friend to purchase the card.
The executive has explained me about the interest rate for EMI conversion where Citi Bank is charging higher than other banks. The credit limit is very low and it just 80K but other bankers are given me 2.50L. There is no annual fee for card. I have taken Cash back card mainly for cash back offers.
I had applied for CITI CASHBACK CREDIT CARD which got approved. credit limit is good,offers on cash back are good, fuel surcharge benefit is good and the annual fee charges are zero and the card got approved in 10 working days it was easy to generate the PIN.
I applied CITI CASHBACK CARD online. They have given perfect credit limit. It's lifetime free credit card. Verification and documentation process was smooth. I have started using the card and I am getting cashback offers and reward points.
I have received my CITI CASHBACK CARD. I have not activated the card yet as I am planning to return the card. I have not started using the card and I have received bill for annual fee. Credit limit is low, I was promised that credit limit will be 1 lakh but got only half of it.
I have received my CITI CASHBACK CARD. I received the card on time. They have given very low credit limit, I was expecting 1.5 lakh but they have given only 52 thousand. It's lifetime free credit card. I have started using the card for online shopping and petrol
Cashback card is a very useful when i doing a shopping in offline at the merchants because i get some offers. 1 month ago, i got this card. They have offered me a limit of RS. 60000 but i want more limit. They have delivered the card without any delay. In the welcome kit, only card was available.
Everything is fine with Citi Bank and I did not face any issues with them, I am using the card as well. Hoping the same for future. The rate of interest and charges are excellent. I have got a Cash back card and use to purchase more online so its beneficial for me.
I had applied for CITI CASHBACK CARD. I received the card on time. Credit limit is nominal. It's more than my other card. I am getting good offers and cashback reward points. It gets auto redeemed and gets adjusted with my bill. Their customer service is pretty good.
I chosen the card because of the offers but i have not received any notification regarding the offers even i don't find any offer on movie tickets. They have offered me a limit of Rs. 75000 and they are charging me a annual fee of Rs. 500 every year. They have dispatched the card in 15 days and i got the card 3 months back.
Citi Bank has provided me a CASH BACK credit card and I maintain this card for more than 2 years. I am getting more offers for fuels, online purchase and it was good. The customer service with Citi is always excellent. The credit limit is sufficient. There is no annual fee for the card.