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?
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.
I'm getting the best benefits and there is an online method to make the payment for CITI bank credit card. I have done quite number of transaction and it was smooth. I'm having the cash back card and its almost 1 month to take this card. I'm quite satisfied with the limit given to me. There is a annual fee of Rs. 250.
CITI bank credit card is good but I could not get an offers based on my expectations. As of now I have not contacted the customer care. They informed me that I get a cash back of Rs. 500 as a joining benefits but I haven't got the same. I don't see any benefits so I have stopped using this card. They need to explain about the cash back benefit to the customer in detail.
Without any specific reason i have chosen the credit card from CITI bank. There is no special benefits on this card apart from the normal credit card benefits. I expected the credit limit of Rs. 1 lakh but they have provided me a limit of Rs. 60K. There is a annual fee of Rs. 500 which will not waived off.
I've taken the credit card from CITI bank but i didn't use the card so far since there is no requirement of using this card. For the purchase purpose, i have chosen it. There is no proper intimation regarding the offers. I got the card on time and i have paid Rs. 500 for the membership purpose.
I am using Citi Bank credit card which was taken through online. I have started using this card it is really good and comfortable for me .This was a life time free card not yet faced any issues on the usage .The credit limit was good Rs.80k and i am getting cash back benefits in this card. Documentation process was fine executive collected the documents.I have started using this card which was really good.
I am using CITI BANK CASH BACK card more than 5-6 years. I applied this card through online. Credit limit is sufficient, good to use and the annual charges for this card is Rs. 500 and there is a no fee waiver option. I am getting cash back of 500 rupees. Customer service was good.
I get lots of benefits on CITI bank credit card like flexible EMI. Whatever transaction i do, i get some additional discount and gift vouchers. Whenever i do the purchase it credits back to my account and it get waived off from my bill amount. With the low interest rate of 11.25% i avail the EMI conversion facility.
There is a less limit in CITI cash back card and I don't get much offers in this card. If I call the customer care regarding the late fee charges, they will waiver off the same. I have been using this card for more than 1.5 years. If I go for shopping, I get some offers for this card to spend. When I given the request to enhance the limit, they have not accepted the same.
I am using CITI bank cash back credit card. Annual charges for this card comes around Rs. 1000, there is a no fee wavier. Customer service and responsiveness was good and also they given a very good credit limit. I received this card within a week. I am getting cash back offer for this card over all its good.
From CITI bank, I'm having the cashback offer. I get 50% off on dining and fuel sur charges waiver and its a good card to use. They have given me a loan against the credit card which i like a lot. I have been using this card for more than 2 years. I have not got any complaints till now.
According to my salary, Citi Bank is giving good credit limit. I'm getting a good cashback offers and discounts. The given credit limit is quite good and its 2* of my salary. Annual fee is there and it will deducted based on my usage. The executive came to my office and took my documents.
I had a great offer and i observe more offers and my friend who works in a CITI bank was suggested me about their bank credit card. I have not gone through about the offers so far, but it has in online i get 10% off if i use CITI bank card. If I don't have any CITI bank account also, its easy to make the payment through online.
Feasibility of CITI bank credit card is available and acceptable in the market even in small cities thats the reason i opt for this credit card. Customer care service is very good and its flexible. I can able to connect with them easily. I won't use the credit card much. They are sending the offer notifications on a regular basis.
Only for the cashback offers i have chosen the CITI cashback card but till now i have not received any kind of cashbacks. I'm planning to surrender this card as soon as possible and they are charging me Rs. 500 as a annual fee and it won't get waived off. 2 months before, i purchased this card.
CITI bank is an international bank which is maintaining all the standard and the service they are rendering is really good. There are some offers tied up with for diwali discount is most of the shops for shopping and restaurants. I'm satisfied with the credit limit given to me. Annual fee is nominal and it can be free for the standard customers.
I just want to have a CITI bank credit card as per my interest. I haven't used anything regarding the offers and i just want try the card once like the service and experience with CITI bank. I'm not much satisfied with the credit limit. I have received the card on time. It could be better if credit card payment updated immediately.
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.
Sometimes, i have been receiving a messages stating that i cannot able to do the transaction in a particular timing due to some maintenance. Its good that they are giving a information to the customer from the CITI bank side to not to swipe the card. On the delivery time, if the customer is not available, they are not trying to calling them so its again go to the delivery person.
I have chosen Citi Cashback credit card and the process was little bit simple in getting the card. The credit limit is okay. There is no annual fee or joining fee. The documentation process was doorstep and they have taken one week to 10days to deliver the card. Only cash back is available. They need an update on the mobile app.
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.