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

    With the Citi Cash Back 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 joining fee or annual fee for the Citi Cash Back Card is communicated at the time of sourcing.
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    Key highlights of the Citi Cash Back Card

    • This credit card is mainly for the people who wish to earn cashback rewards on every transaction they make with the card.
    • You will be entitled to get 5% of cashback on every movie ticket purchase.
    • Earn a cashback of 5% on payment of utility bills and telephone bills using the credit card.
    • Earn a cashback of 0.5% on all other transactions.
    • The total cashback earned will be credited to your account automatically once it reaches Rs.500 and further on multiples of Rs.500.
    • Enjoy benefits of more than Rs.3,300 in the first year.
    • No expiration for the unredeemed cashback.

    Features and Benefits of the Citi Cash Back 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 Cash Back 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 Cash Back 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 Cash Back card will receive a discount on their dining bill at all Citibank partner restaurants across the globe.

    EMI benefits:

    • Customers who own the Citi Cash Back Card will also receive privileges on EMIs for various products at various electronic stores, shopping outlets, retailing chains as well as during online shopping.

    Loan benefits:

    • Avail instant loans on the Citi Cash Back Credit Card as per your requirement.

    Fees and Charges associated with the Citi Cash Back Card:

    Credit Card Fee Type Charges
    Joining Fee Would be informed by the bank at the time of sourcing the card
    Annual Fee Would be informed by the bank at the time of sourcing the card
    Cash Withdrawal fee 2.5% of the withdrawn amount subject to a minimum amount of Rs.500
    Rewards Redemption fee Nil
    If the statement balance is
    • Up to Rs.1,000 - NIL
    • Above Rs.1,000 and up to Rs.5,000 - Rs.450
    • Above Rs.5,000 and up to Rs.10,000 - Rs.700
    • Above Rs.10,000 - Rs.950
    Over credit limit fee 2.5% on the amount exceeding the credit limit, subject to a minimum of Rs.500
    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 Cash Back credit card:

    A person should meet the required eligibility criteria to get a Citi Cash Back 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 Cash Back 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.

    For more details follow this link - Citi Credit Card Detailed T&Cs

    How to apply for the Citi Cash Back Card online?

    You can apply for the Citi Cash Back 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 Cash Back 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 Cash Back 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 Citibank credit card 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

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