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

    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.
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    Key highlights of the Citi Cashback Card

    • 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:

    Cashback Benefits:

    • 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.

    Shopping benefits:

    • 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.

    Dining benefits:

    • People holding a Citi Cashback card will receive a discount of 15% on close to 2000 restaurants Citibank has partnered with.

    EMI benefits:

    • 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 Charges
    Joining Fee Nil
    Annual Fee Rs.500 for the first month and incremented from the second year.
    Interest rate A variable interest between 3.1% - 3.5% per month.
    Supplementary card fee Nil
    Cash Withdrawal fee 2.5% for a domestic withdrawal for a minimum amount of Rs.500
    Rewards Redemption fee Nil
    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 Rs.100
    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:

    A person should meet the required eligibility criteria to get a Citi Cashback credit card, which are:

    • 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:

    1. What are the different bill payment methods offered to a Citibank customer?
    2. 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.

    3. Are online statements available for a Citi Cashback credit card?
    4. Yes, customers can get instant online statements of their credit card from the web portal of Citibank by entering their details.

    5. What kind of information can I get from Citi Alerts?
    6. Citi Alerts help you 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 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.

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

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Citi Cashback Card Reviews

    • Citibank Credit Card
      "Excellent Service"
      0.5 4.5/5 "Excellent!"
      I have Citi Bank credit card which was applied through Online.The credit limit was good to me and so far not faced any issues .There was no difficulties faced so far.This card is good to use as well.There was no issues faced while submitting documents .This card is easy to use and good to use .
      Was this review helpful? 0
      , thane
      Reviewed on May 25, 2019
    • Citibank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have selected this Citi bank card since have more offers ,the credit limit was good ,the credit card got on delay due to blue dart courier.The agent gave all the information about the card process .There are cash back offers and reward points .I have applied for cash back card and got the same card .I have submitted the documents through agent there was no difficulties faced so far on the usage .
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2019
    • Citibank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I am using the CITI cashback card. I get the offers like cashback for every product purchase. Its been more than 15 years i'm holding this card and the limit is very low Rs. 90000 and they have not increased the limit on proper intervals. In these all year, they have increased only once. The customer service is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 24, 2019
    • Citibank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using the CITI Cashback Card for the last couple of years and the services provided by them had been pretty much good. It is a life time free card with a lot of good benefits on shopping. There is a good credit limit with this card and i am using the card for all sort of purchases.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 23, 2019
    • Citibank Credit Card
      "Need more improvement"
      0.5 4.0/5 "Great!"
      They have given very less credit limit hence i have decline the card. I got the credit limit of Rs. 68000 before delivering the card itself, i have requested them but they have delivered without confirming the credit limit. The processing of getting this credit card is easy and they have to inform the credit limit to the customer. There was a annual fee of Rs. 499 which is has to be paid and there is no waive off option.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 20, 2019
    • Citibank Credit Card
      "Its a good card to use for purchases"
      0.5 5.0/5 "Blown Away!"
      Actually one of my friend he wanted me to take the CITI credit card. He was about to get the Rs. 2000 as referral bonus. As of i have not checked any offers so far. Iâ??m happy about the credit limit. They have delivered the card on time. There was some annual fee but I'm not sure about this card. Iâ??m using this card for my day today transactions. The card is very much secured enough.
      Was this review helpful? 0
      , thane
      Reviewed on May 20, 2019
    • Citibank Credit Card
      "Average Card"
      0.5 2.0/5 "Expected more"
      In CITI bank, they have charged more interest rates hence i have closed the card already. I have not received not even single offers from this card. I chosen the variant of CITI Cashback card. There are some offers messages came but none of them was useful. Closing procecure was not that much easy.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2019
    • Citibank Credit Card
      "Good for shopping. "
      0.5 4.0/5 "Great!"
      In the customer care services, they have responded well and they have delivered the on time. They did not inform about the processing fee and annual fee proactively. Without any prior information, they have disbursed the card. I have not received any SMS or mails regarding the offers. This is a good cashback card but never use this card for fuel purpose because there is some additional charges levied.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2019
    • Citibank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have applied for Citi Bank credit card through Online ,The credit limit was good ,the agent gave all information about the card ,I have received the credit card on time ,I have not faced any issues on submitting the documents.There are cash back offers and reward points.This card is very useful and easy to use .
      Was this review helpful? 0
      , chennai
      Reviewed on May 17, 2019
    • Citibank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had selected the CITI CASHBACK CARD since i was excited to go with the CITI Bank Credit Card, the process in getting this card has been smooth and the card was delivered to me on time. The credit limit with the card has been sufficient and there has been some benefits with this card which they had explained about. There is an annual charges of 600 with this card as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 16, 2019
    • Citibank Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      It has almost been a year since i am using the CITI Cashback card and the services provided by them had been pretty much good. I am satisfied with the credit limit with this card and there has been some good benefits in using this card but i had not been much utilizing it. There is some annual charges with this card as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 15, 2019
    • Citibank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am very happy with Citi bAnk credit card and using it for one year, the limit is fine. I am gonna ask them to upgrade the card with above 1L limit. I am using cash back card and the annual charges are zero. I have not checked the interest rate and services are good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 13, 2019
    • Citibank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using the CITI CASHBACK CREDIT CARD for close to five years and the services which they had provided has been pretty good. The credit limit with the card is good and it has some good cash back offers which i am utilizing. It has some annual charges which will get waved off as per the spend we make.
      Was this review helpful? 0
      , pune
      Reviewed on May 11, 2019
    • Citibank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using the CITI CASHBACK Card for the last two months and the services which they had provided has been good. There is a good credit limit with this card and there has also been an annual charges of 500 with this card. There has been some good benefits like cash back offers and discounts with this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 09, 2019
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Citi Bank has provided me a good service and have taken Cashback credit card through online channel. I wanted to use for Shopping and travel purpose which has good offers. There is annual charges of Rs.1000 but if I spend above Rs.30000 then annual charges will be waived off.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 07, 2019
    • Citibank Credit Card
      "Best cash card"
      0.5 5.0/5 "Blown Away!"
      I am using CITI BANK CASH BACK CARD quite for a long time. Customer service and responsiveness is totally good every thing is good in CITI BANK. Credit limit is Rs. 58,000 need to increase my limit,annual charges is Rs. 500. This is a cash benefits i am getting in this card.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Apr 16, 2019
    • Citibank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using the CITI BANK CASHBACK CREDIT CARD for the last seven years where it has been a life time free card. There has been some good cash back offers with this card and they had given me with a good credit limit where i use the card for most of my purchases.
      Was this review helpful? 1
      , bangalore
      Reviewed on Apr 10, 2019
    • Citibank Credit Card
      "Best cash back card"
      0.5 4.0/5 "Great!"
      I am using CITI BANK CASH BACK CARD more than 1 year this is a best for money back. Credit limit is sufficient and good. Customer support and responsiveness is good .Annual charges for this card is Rs. 500 there is no wavier offer. I received the card within 4 days.
      Was this review helpful? 1
      , chennai
      Reviewed on Apr 09, 2019
    • Citibank Credit Card
      "Annual charges is high and cash back is low "
      0.5 1.0/5 "Really Bad"
      I have taken a CITI BANK CASH BACK CARD this is a money back card. They said first year free card, but the first month billing they charged Rs. 500 plus GST its highly compartively they have not informed. I am not getting good cash back also.Credit limit is very less need to increase more i have plenty of card my card limit was Rs. 200000.Executive collected the documents,i received the card within 10 days. Customer service and response is good.
      Was this review helpful? 2
      , pune
      Reviewed on Apr 04, 2019
    • Citibank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I applied for CITI bank cashback credit card recently,They have not charged me annual fee in this card as it is life time free credit card. I am happy with the credit limit which they have given me in this card. The reason for choosing this bank card is because of their offers and service.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 03, 2019
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