Apply for Citi Cash Back Credit Card

Why apply through CreditMantri

CreditMantri matches your credit and demographic profile to Citi Cash Back Credit Card lending criteria - others just match your demographic criteria. We shortlist lenders willing to lend to you based on our proprietary matching algorithm.

In effect, we pre-screen your application to make sure you are likely to qualify as per the lender’s credit criteria. We upfront check whether you qualify for Citi Cash Back Credit Card. Hence the chances of your Citi Cash Back Credit Card application getting approved is higher.

Nil

joining fee

500₹

annual fee

Cashback

reward type

  • 5% cash back on movie ticket purchases
  • 5% cash back on all your telephone bill payments
  • Pay through Citi Online Bill Pay and get 5% cash back on Utility Bill Payments
  • 0.5% Cash Back on all other spends
  • APR - 37.2% to 42% based on card spends, credit limit utilization etc.
  • Annual fee - 500/- Annual Fee is billed in the first month statement of card issuance and incrementally every 12 months thereafter
  • Atleast 2 colour photographs
  • ID proof - Aadhar, Passport, Driving license, Voter ID etc
  • Proof of address -Ration card,electricity bill etc. can be submitted

About CITI Bank:

Citibank is the consumer division of the multinational financial services company, Citigroup. It was incorporated in India in 1902 in Kolkata. It is one of the leading private sector banks in India and provides a wide range of banking products and financial services. The consumer division offers an array of credit cards specifically designed to suit the differing needs of its clientele.

Overview of Citi Cash Back Credit Card

The Citi Cash Back Credit Card enables you to enjoy the perks of cash back like never before! Get a generous 5% cash back on movie, telephone and utility bill payments. Get cash back on all other payment transactions. Spend more and save more, enjoy saving benefits from all your transactions.

Citi Cash Back credit card features

Save on your everyday spends

Get 5% Cash Back on movie ticket purchases, telephone bill payments and all utility bill payments made online through the Citibank Online Bill Pay. With this card, you also get 0.5% Cash Back on all other spends. You can use the Citi Bank online savings calculator to find out how much you can save with a Citi Cash Back Credit Card.

Cash Back is capped at Rs.100 per month in each of the Telephone/Movies/Utility categories.

Get your Cash Back conveniently

Your cash back is automatically credited to your account. Redemption is done in multiples of Rs.500.

Variable Interest Rate

Interest rates generally vary across all cards depending on your card spends, credit limit utilization and repayment behavior etc. A variable interest rate is charged ranging between 37.20% and 42.00% per annum.

Citi Cash Back Credit Card benefits:

Secure Utility Bill Payment Facility

Have a worry-free experience when paying your routine utility bills online. Enjoy the service of secure online utility bill payment. Citibank has over 150 listed service providers across India.

Value-added Services on Card

Enjoy various value added services on your Citibank credit card:

Instant Loan: You can avail of an Instant Loan which can be above your credit limit - based on your credit history and other factors. You can log on to Citibank Online and check your eligibility for the loan using your IPIN. If you are eligible, you can book your loan instantly without furnishing any further documentation. You can choose from a variety of tenures ranging from 6 to 48 months. If you loan is approved, you will receive a Draft in the mail within 3 working days.

EMI conversion: You can convert purchases above Rs. 2,500 into EMI payments. However, once converted into EMI, it cannot be reversed. Avail of the EMI option facility at more than 2,000 consumer electronics and mobile phone outlets, leading retail chains and e-retailers.

Dining privileges

Enjoy up to 20% savings across 2000 partner restaurants with your Citi Cash Back Credit Card.

Shopping privileges

Shop with your Citi Cash Back Credit card and enjoy savings and offers across numerous retail stores.

Easy tracking

You can track your account activity with free email and sms alerts.

Citi Cash Back Credit Card Annual Fee

The Annual Fee varies with each customer and each Citi Cash Back credit card offer. The fee is communicated to the card member at the time at the time of application. Typically, the Annual Fee is Rs. 500 which is billed in the first month statement of card activation and issuance. Thereafter, it is billed incrementally every 12 months.

Citi Cash Back Credit Card eligibility

The applicant should be a minimum of 18 years of age and should be a resident of India.

Citi Cash Back Credit Card documents required

The following is the documentation required for applying for a Citi Cash Back credit card:

  • Filled-in application form with at least 2 colour photographs
  • ID proof (could include Aadhar card, Passport, Driving license, Voter ID )
  • Proof of address ( could include ration card, electricity bill, phone bill)
  • Salaried employees - Salary slip for the last 3 months
  • Self-employed - Office address proof, bank statement of the last 3 months, audited financials for the last 2 years, and balance sheet of the last 6 months

Citi Cash Back Credit Card FAQ

Can I apply for a Citi Cash Back Credit Card online?

Yes. You can apply for a Citi Cash Back Credit Card online.

I got my credit card bill. What are the bill paying options available?

You can choose from the following options to make your bill payment:

  • Pay your credit card bill via Citibank Online
  • Citibank EPAY
  • NEFT/RTGS
  • Electronic Clearing Service ( ECS)
  • ATM ( Cash/cheque deposit)
  • Drop Box ( for cheques)

Can I avail the EMI Facility with this credit card?

Yes, your Citibank Cash Back credit card offers you attractive repayment terms and flexible tenure at over 2000 consumer electronics outlets, e commerce sites and leading merchant outlets.

How can I convert my credit card purchase into EMI?

You can avail the EMI option by logging onto Citibank Online with your User ID and password, and convert a purchase into EMI online. Alternatively, you can use CitiPhone banking to make the conversion.

Once a transaction is converted into EMIs, it cannot be reversed or cancelled. You have the option to only pre-close an EMI, although pre-closure charges are applicable.

Citi Cash Back Credit Card review

This is a convenient credit card that gives you the power to save even while you spend. It gives you Cash Back across all categories including the following:

  • 5% cash back on movie ticket purchases
  • 5% cash back on telephone bill payment
  • 5% cash back on Utility Bill Payments when you pay through Citibank Online Bill Pay

This Credit card has a hassle-free redemption process, where you can get cashback automatically as a statement credit. The redemption is done in multiples of Rs. 500. The card also offers shopping and dining discounts and privileges and offers convenient bill payment options. The attractive cash back rewards on this card offers makes it a desirable option, provided that all credit card dues are paid consistently every month.

Apply for Citi Cash Back Credit Card

You can apply for a Citi Cash Back credit online by logging onto the Citibank website or by visiting the nearest Citibank branch and submitting the application and required documentation.

Alternatively, if you think you need help with your credit card application process and advice on eligibility, CreditMantri can guide you and match you with the credit card that suits your needs the best.