The Citi Cash Back Credit Card is a perfect credit card to earn cash back on utility, phone bills, and movie tickets.
This credit card is listed in the cashback category credit card by Citibank India. This clearly indicates that the cardholders can earn cashback on their general and daily spending.
Moreover, it also provides evergreen reward points which means that your unredeemed reward points will never expire. So, let’s simply understand the Citi Cash Back Credit Card benefits with this post.
Citibank Cash Back Credit Card Features
The Citi Cashback credit card comes with exciting features for which the details have given below.
Citi Paylite
The Citi PayLite features help cardholders to convert all their big purchases into small payments. Moreover, it also comes with a flexible tenure option.
Citi Quick Cash
Additionally, Citi Quick cash is another best feature of this cashback credit card. It gives instant loan facilities to cardholders.
Citi World Privileges
Moreover, the Citi cash back credit cardholders can enjoy discounts & offers within India and in over 90 countries. This includes deals on resorts or discounts at restaurants and shopping etc.
Tap N Pay
The Tap N Pay is a contactless payment feature that saves the time of the cardholders while making payments. To know more about this feature, you can read the article on their official website by clicking here.
Dining
Another feature of this credit card is the cardholders can enjoy a discount of up to 20% on their dining bills. However, the offers are applicable only at the Citi Bank partnered restaurants.
How to find a Citibank partnered nearby restaurant?
- To get the details of the nearby partner restaurant, click here.
- Now, a page with a list of offers will appear.
- Here you can either search by keyword, cuisine, or location for the ongoing offers or
- You can scroll down the page to see the list of restaurants and the current discount they offer.
Travel & Lifestyle
Similarly, the MasterCard and the Visa cashback Citi credit cardholders can contact the travel and lifestyle specialist. The specialist will help you to plan your travel so that you can enjoy a superb experience in your life.
However, the contact numbers are different for MasterCard and Visa cardholders. Check the numbers below.
- MasterCard: 📞 0008 004 407 027
- Visa: ☎ 1800-114-999
Exclusive Offer
As of now, the Citi Cashback Credit Card is eligible for a welcome bonus of rupees 3,000 cashback. However, the cardholder will only get this cashback if they have spent 5,000 rupees within the sixty days of card issuance.
However, the cash back offer is only available for those who will apply for Citibank Cash Back Credit Card on their official website.
| Read More: Citibank Credit Card Online Payment |
CitiBank Cashback Credit Card Benefits
Every applicant wanted to read the benefits of a credit card before applying for it. So, the Citibank Cashback card also has amazing benefits which we have explained below.
5% cashback
If you use your Citi cashback card for booking movie tickets and to pay your utility and phone bills, then you can get 5% cashback on this credit card.
Terms & Conditions
- All three categories utility/phone bills/movie tickets have a capping on the monthly cashback. A maximum of INR 100 of cashback will be earned in each category.
- However, if you pay your phone bills and utility bills both from the Citi Bill Pay & Citi online payments then both will be counted as the same category.
0.5% Cashback
Moreover, if you transact with your Citi Cash Back Credit Card on all other categories then you will earn 0.5% cashback.
Evergreen Rewards
All your earned rewards come with lifetime validity. This means whether you redeem your rewards or not they will never expire.
Great Savings
The Citi cashback credit card holder can save up to a maximum of INR 3,300 within the first year.
Do you believe you require additional assistance? You can apply for the Destiny MasterCard, which doesn’t require you to have flawless credit.
Automatic Redemption
The cashback you earned will automatically be credited in the multiples of 500 in your card statement.
| Read More: Citibank Credit Card Status |
Citibank Cash Back Credit Card Fees Chart
All of those who possess a credit card have to pay some amount of charge and fees. Given below is the fee chart of the Citi Cash Back Card.
| Fees | Amount |
|---|---|
| Joining Fees | Nil |
| Annual Fees | INR 500 + GST |
| Reissue or Duplicate Card | INR 100 |
| Overlimit Charges | 2.5% of the total amount or a minimum of INR 500 |
| Late Payment Charges | 0 – If the statement balance is below INR 1000 450 – Between 1001 to 5000 INR 700 – Between 5001 to 10000 950 – If the amount exceeds 10,000 rupees |
| Fuel Transaction Charges | 1% on the transaction amount |
| Cheque Bounce | INR 500 per returned cheque |
Read More: Citi Premiermiles Card
Citibank Cash Back Credit Card Eligibility
For getting approval for a Citibank Cash Back credit card, one needs to fulfill the following eligibility criteria.
- The applicant must reside in India.
- His or Her age should be above 18 years.
- Moreover, the applicant must have a good credit history and getting a stable monthly income.
- He or she must have a decent payment history and should not default in the past.
Documentation
Apart from the eligibility criteria, one has to submit the following documents for quick approval.
| Documents | Details |
|---|---|
| 1. Color Photograph | A recent photograph of the applicant is mandatory. |
| 2. Address Proof | Recent phone and electricity bills, driving license, passport, Aadhar card, etc. |
| 3. Id proof | Aadhar Card, Pan Card, Voter Id, DL, or any photo id issued by the govt. |
How do I apply for a Citibank Cash Back Credit Card?
The online application method for Citi Cash Back Credit Card is available on the official website of the bank. Here is the process.
- The following link will redirect you to the apply page of the cash back credit card.
- Once you visit this page, then you have to type your name, phone no. , email id.
- After that, fill in your residential, professional, and personal details.
- When you provide all the required information to the bank, click on the “Submit”.
You may be contacted on the phone number or your email id which you have provided in the form. The call you will receive is from the nearby Citibank branch.
Pros and Cons of Citi Cash Back Credit Card
As it is a perfect credit card for a beginner because of its low annual fees and excellent offers. However, there are both pros and cons of this credit card.
| Pros | Cons |
|---|---|
| 1. 5% cashback on the utility and phone bills & movie tickets. | 1. Monthly capping of 100 rupees on all these categories. |
| 2. 0.5% cashback on other category’s spends. | 2. To earn cashback on utility & phone bills the cardholder has to make payment from Citibank online & Citi Bill Pay only. |
| 3. No joining fees. | 3. No annual fee waiver. |
FAQs
Q.1 What is Citibank Cash Back Card?
Ans. The Citi Bank Cash Back Credit Card is featured in the cashback category credit card by Citibank. This credit card gives cash back on the transactions made for utility, phone bills, and movie tickets.
Moreover, the cardholders will also get 0.5% cashback on other categories as well.
Q.2 What is a brief review of Citibank cash back credit card?
Ans. As per our Citibank Cash Back credit card review, it is one of the perfect and best credit cards to buy especially for beginners. The prime advantage is that it gives 5% cashback on bill payments and movie tickets. It also comes with the evergreen reward point system.
However, the major downside is, the cashback has monthly capping and there is no option of an annual fee waiver.
Q.3 How much I have to pay for Citibank Cash Back Credit Card Annual Fee?
Ans. The Citi Cash Back Credit Card annual fee is 500 rupees + GST.
Q.4 What is the validity of Citibank Cash Back Credit Card Reward Points?
Ans. The Citi Cashback credit card offers lifetime validity on the reward points. Your unredeemed reward points will not expire.
Q.5 How much Citibank Cash Back Credit Card Limit will I get from the bank?
Ans. The Citibank cash back credit card limit is subject to the cardholder’s salary and credit history. However, if the cardholder pays his or her bills before the due date then the bank will offer an upgrade credit limit.
Q.6 Is this credit card have any joining fee?
Ans. As of now, this credit card comes with no joining fees.
Q.7 How do I waive Citi cashback annual fee?
Ans. There is no way to waive Citi Cashback annual fee in India.