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.
Citi® Cash Back Credit Card - Features and Benefits
Cashback Offer – Users can earn 5% cashback 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.
Note: Maximum monthly cashback of Rs. 100 can be earned on each of these categories.
Statement Credit – Cashback earned is auto-credted into the statement in the multiples of Rs. 500. Unreeemed cashback is evergreen which means it never expires.
EMI Conversion Offer – Users can convert their big purchases into easy EMIs
Dining Discount- Up to 20% discount across participating restaurants. Click here to find a Citibank partner restaurant near you, .
Citi® Cash Back Credit Card - Fees and Charges
The fees and charges associated with Citi Cash Back Credit Card are
|Annual Fee||Rs. 500|
|Interest Charges||3.75% p.m. (45% p.a.)|
|Late Payment Fee|
Click here to check other associated fees and charges.
Citi® Cash Back Credit Card- Eligibility Criteria
The eligibility criteria for the Citibank Rewards Credit Card are mentioned below:
- Applicants should be over 21 years and below 65 years of age
- Indian citizens only can apply for this card
- Customers must have a regular source of income
- He/she should not have defaulted on payments
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.
How to Apply for Citi® Cash Back Credit Card
Customers can easily apply for this credit card by following the below-mentioned steps.
- Click here to start the credit card application process
- Enter the details requested
- Customers then get to see all the credit cards that they are eligible for. Filter out Citi Bank Credit Cards from the list
- Check eligibility for this card
- User will then be asked if they have applied for this credit card in the last 6 months. Answer it
- If eligible, customer can fill the detailed application form and submit
After a successful online application, the customer will get a call from a representative of Paisabazaar to take the application process further.
Alternatively, users can apply for this credit card directly from Citi Bank’s website or by visiting the nearest Citi Bank branch.
Citi® Cash Back Credit Card – FAQs
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?
The interest charges on this card is 37.5% per month (45% annualized).
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.
Compare Similar Credit Cards from Other Banks
|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.*|
|Standard Chartered Super Value Titanium Credit Card||Rs.750||Earn 1 reward point for every Rs. 150 spent||Rs. 9,834*|
|ICICI Bank Coral Contactless Card||Rs.500||Earn 2 PAYBACK points per Rs. 100 spent||Rs.10,636*|
|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*|
*On spending Rs.2 lakh annually
**On spending Rs.4 lakh annually
Other Cashback Credit Cards
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
|HDFC MoneyBack Credit Card||Rs. 500||100 reward points = Rs. 20 of cash credit|
2 reward points accrued for every Rs. 150 spent
|Standard Chartered Manhattan Platinum Credit Card||Rs. 999||Get up to 5% direct cash back|
Customers can avail 25% discount on movie tickets
For Citibank Credit Card Terms and Conditions, refer to this link.