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Important: As per RBI guidelines, issuance of new credit cards on Mastercard platform has been discontinued until further notice. Normal card services will continue for existing users
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 payments. Additional details of the credit card are mentioned below.
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 in each of these categories.
Statement Credit – Cashback earned is auto-credited into the statement in the multiples of Rs. 500. Unredeemed 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, .
The fees and charges associated with Citi Cash Back Credit Card are
| Particulars | Amount |
| Joining Fee | Nil |
| Annual Fee | Communicated at the time of sourcing |
| Interest Charges | 3.75% p.m. (45% p.a.) |
| Late Payment Fee |
|
Click here to check other associated fees and charges.
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 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.
If you are someone who has a medium spending capacity in that case this card is the best option for you as it offers 5% cashback on movie tickets, telephone and other utility payments and 0.5% cashback on all other spends.
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 charged 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.
| 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 a 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 cashback Customers can avail 25% discount on movie tickets | 3.6/5 |
For Citibank Credit Card Terms and Conditions, refer to this link.
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.
