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 Citi Cash Back Card

    • 5% cashback will be given on booking of movie tickets or any kind of utility payments through Citi Billpay.
    • On any other type of purchases, you will be entitled to a cashback of 0.5%.
    • Receive a discount on their dining bill at all Citibank partner restaurants across the globe.

    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.
    • Earn 0.5% cashback on all other spends
    • Cashback is auto credited to statement in multiples of Rs.500
    • Your unredeemed cashback is evergreen, and never expires
    • 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

    • 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 of 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 Rs.500
    Cash advance fee 2.5% of the amount withdrawn or a minimum amount of Rs.500
    Interest rate 3.75% per month (45.00% annualized)
    Late payment fee If the statement balance is
    • Up to Rs.2,000 - NIL
    • Above Rs.2,000 and up to Rs.7,500 - Rs.600
    • Above Rs.7,500 and up to Rs.15,000 - Rs.950
    • Above Rs.15,000 - Rs.1,300
    Over credit limit fee 2.5% on the amount which will be over the credit limit. The minimum will be Rs.500. (The amount will exclude charges, taxes and fees).
    Cheque return or bounce fee Rs.500 per returned cheque
    Railway ticket booking surcharge 1.8% of the transaction value
    Re-issue of the card NIL
    Cash deposit at Citi branches Rs.250 per deposit

    Citi Cash Back Credit Card Eligibility Criteria

    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 to Apply for a Citi Cash Back Card:

    For salaried employees

    • Identity proof
    • Address proof
    • Latest two salary slips

    For self-employed individuals

    • Identity proof
    • Address proof
    • Latest ITR

    For more details, visit - https://www.online.citibank.co.in/credit-card/apply/documents?eOfferCode=INCCUADDPROF01.

    How to Apply for 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.

    Citi Cash Back Credit Card FAQs

    1. 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.

    2. Are online statements available for a Citi Cash Back credit card?

      Yes, customers can get instant online statements of their credit card from the web portal of Citibank by entering their details.

    3. What kind of information can I get from Citi Alerts?

      Citi Alerts help you track your account activity with free SMS and email alerts.

    4. 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 Citibank credit card customer care helpline.

    5. 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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