Citi Cash Back Credit Card rewards its users by returning a percentage of the transacted amount back to them. Extra cashback can be availed on utility bill payments, movie tickets and telephone bill payment. Additional details of the credit card are mentioned below.
| On this page |
The features and benefits associated with Citi Cash Back Credit Card are:
Cashback Offer – Users can earn 5% cash back when they use this card to settle telephone bill, buy a movie ticket or pay utility bill through Citibank Online Bill Pay service. On other transactions, the user will get 0.5% cashback
EMI Conversion Offer – Users can convert their big purchases into easy EMIs
Statement Credit – Users can use the cashback money to settle the credit card bill. Redemption can be done in multiples of Rs.500
Suggested Read: Top 10 Credit Cards That Offer Amazing Cashback
The fees and charges associated with Citi Cash Back Credit Card are
| Particulars | Amount |
| Annual Fee | Rs. 500 |
| Cheque/ECS/ACH bounce charge | Rs. 500 per returned instrument |
| Extended Credit Charges | Ranges between 37.20% to 42.00% per annum |
| Outstation Cheque Charge (based on the value of the cheque) | Up to Rs. 10,000 – Rs. 50 per cheque Rs. 10,001 to Rs. 1,00,000 – Rs. 100 per cheque Above Rs. 1,00,001 – Rs. 150 per cheque |
| Reissue of lost, stolen or damaged card | Rs. 100 |
| Cash Advance Charges | 2.5% of the amount/Min. Rs. 500. $7.5 at International ATMs |
| Railway ticket booking surcharge | 1.8% of the transaction value |
| Fuel transaction charge | 1% of the transaction amount, subject to a minimum of Rs. 10. Waived at Indian Oil Corporation outlets for transactions on Citi EDCs (electronic data capture terminals). |
| Overlimit Charges | 2.5% of the amount (excluding fees, charges and taxes) over the credit limit, subject to a minimum of Rs. 500. |
| Late Payment Fee |
|
The eligibility criteria for the Citibank Rewards Credit Card are mentioned below:
Customers are also required to submit key documents like income proof, identity proof and residence proof for verification. This is mandatory and the bank will not process the application form without these necessary documents.
Customers can easily apply for this credit card by following the below-mentioned steps.
After a successful online application, the customer will get a call from a representative of Paisabazaar to set a date, time and place for document collection. Once the documents are submitted, the bank will review them. After successful verification, the card will be dispatched to the user’s communication address.
Alternatively, users can apply for this credit card directly from Citi Bank’s website or by visiting the nearest Citi Bank branch.
What is the annual fee on this credit card?
The annual fee on this credit card is Rs. 500.
What is the interest charged on Citi® Cash Back Credit Card?
Citibank charges a variable interest rate on this credit card. The interest rate will be between 37.20% and 42.00% per annum. The applicable interest rate will be dependent on credit limit utilization, card spends, repayment patterns and so on.
Does the card reward Utility Bill spend?
Yes, users can earn 5% cash back on utility bill payment as long as they pay their bills through Citibank Online Bill Pay.
| Credit Card | Annual Fee | Reward Points | Net Savings |
| Citi® Cash Back Credit Card | Rs. 500 | Get up to 5% Cashback when buying movie tickets or settling bill payments | Rs. 6,620.* Rs. 13,740** |
| Standard Chartered Super Value Titanium Credit Card | Rs.750 | Earn 1 reward point for every Rs. 150 spent | Rs. 9,834* Rs.12,930** |
| ICICI Bank Coral Contactless Card | Rs.500 | Earn 2 PAYBACK points per Rs. 100 spent | Rs.10,636* Rs. 15,772** |
| IndusInd Bank Platinum Aura Credit Card | Rs. 899 | Earn 4 Reward Points at departmental stores, grocery shopping, Hotel expenses, and restaurant bills | Rs. 7,597* Rs. 14,797** |
*On spending Rs.2 lakh annually
**On spending Rs.4 lakh annually
Suggested Cashback Credit Cards are-
| Credit Card | Annual Fee | Key Feature | Paisabazaar Rating |
| SBI Card Elite Credit Card | Rs.4,999 | 4 Reward Points equal to ₹ 1 in cash Earn 2 Reward Points per Rs. 100 spent internationally | 4.6/5 |
| HDFC MoneyBack Credit Card | Rs. 500 | 100 reward points = Rs. 20 of cash credit 2 reward points accrued for every Rs. 150 spent | 3.5/5 |
| Standard Chartered Manhattan Platinum Credit Card | Rs. 999 | Get up to 5% direct cash back Customers can avail 25% discount on movie tickets | 3.6/5 |
The lost card was replaced quickly by the Citi bank team.
Glad that the agents were helpful when I had lost my card while traveling to Mauritius.
Super relieved that there were never any hidden cost or charges applicable on this card.
I used my card points for the redemption at the rewards portal.
Happy with the fine variety in the manner of redemption of this card.
Super content with the rewards and the offers applicable on this card.
