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 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.
Citi credit card is also equally good and have been using PLATINUM CASHBACK for past 1.5 years. I tried contacting the customer service and the response was satisfactory. The interest rate is similar like ICICI BANK. The credit limit is good. The annual fee is applicable and need to pay Rs.500.
I have taken a CASH BACK credit card from Citi Bank through online channel. The benefits are good and the credit limit is average. It would be better, if they enhance my limit. The annual fee is applicable and they have charged me Rs.500. I have already started using this card and its more than one month.
Citi Bank is charging Rs.250 for converting the payments into EMI of 10K, its higher so would suggest them to decrease the charges which should be less than a Rs.100. I have been using Cash back credit card for more than a month and the credit limit is average. The annual fee is Rs.500.
I got a information its a free card when i got a statement, they have mentioned some charges like Rs. 500 as a annual fee. I have a CITI cashback card and i don't have any idea about the benefits provided by this card. They have given me a credit limit of Rs. 75000. I have not received any kind of joining benefits and welcome bonus.
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, new delhi
Reviewed on Jul 24, 2019
CITI is very good card to use and CITI is the bank which launch for credit card in India. I have a variant a cashback card. I'm receiving very good offer on this card. I get a discounts on restaurants and shopping. I can convert my cashback into cash.
I have a credit card from CITI bank and CITI bank card when the cash is accumulated upto Rs. 500, it will automatically, it will credited against my bill. I use this card mostly for my transactions. To have more than 3 cards its not that much secure.
I have just started using Citi cashback credit card and they have not explained me about the offers. After Submitting the documents, I have received the card in 10days. The credit limit is better. They have taken Rs.500 as an annual fee plus GST.
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Reviewed on Jul 18, 2019
I got the cash back card from Citi bank which has more benefits for the online and offline shoppings, they charged me one time fee of Rs. 590 but they gave me lesser limit where other banks gave me higher limit as RBI and Kotak Mahindra etc. That is my concern.
I hold a cashback card from CITI bank and for every transaction i get cashback from this card and i have been using this card for more than 2 years and i do get a EMI conversion and there will be some kind of additional charges depends on the amount.
I have a credit card from CITI bank which is a cashback card and they have provided me a limit of Rs. 60000 and 2 years back, i have purchased the card. This is cashback card hence i can convert this cashback into cash. Its easy to make the bill payment through online. I never had any issue from this card.
The customer care is good but slightly delay was there to connect with them. I have done the couple of transaction not cleared the payment and just received the bill which is clear to understand. Actually based on the eligibility i applied for this card. I have not received not even a single messages regarding the offers and the EMI conversion facility is available. They have given me a very less credit limit.
No reason for choosing the CITI bank rewards points. I get 5% cashback on all my purchase. EMI conversion facility is available with the less interest rate. I received the card within 10 days once i applied. I am satisfied with the provided limit. They have charged me a annual fee of Rs. 500 and first bill has come and still due date is there to make the payment.
Because its a good rewards system hence i opted for this cars. Its gives me a cashback on all my purchases. Got the limit of Rs. 80000 and i got the card on time. I don't get any joining benefits. Overall, I'm satisfied with the CITI bank credit card.
Because CITI bank have so many offers hence i bought the card. I'm not that much happy about the credit limit of Rs. 72000. I'm not sure about the annual fee. So far i did not get any offers. I received the card on time and i don't face any issue till now. Document verification process is very quick.
Citibank has offered me a cash back credit card. The process was easy to get the card and the documentation was taken on time. It is a life time free card. The credit limit is also satisfactory and there are cash back offers on all the transactions.
Citi has provided me a Cashback credit card through online channel. The credit limit is sufficient for me. There is annual fee of Rs.500. I took this card for cash back offer. The customer service is really good. The executive came to my place and collected the documents.
I get a cashback offer from CITI bank credit card. I received a lots of voucher when i use the card. I don't face any issue so far. I can convert the cashback into cash. They do have EMI conversion with a processing fee. I got the credit limit of Rs. 57000. Life time free credit card.