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Citibank Cashback Card

Apply Citibank Cashback Card

Reward Type

Cashback

Joining Fee

500₹

Annual Fee

NA

View Details

Features

  • 5% Cash Back on movie ticket purchases.
  • 5% Cash Back on all your telephone bill payments.
  • 5% Cash Back on all your utility bill payments made online through Citibank Online Bill Pay.
  • The Citibank Cash Back Card comes at an annual card fee of Rs 500.
  • 15% off on dining across 2,000 partner restaurants.
  • This card is enabled for contactless payments.

Pricing

  • Annual Card Fee - Rs. 500

Documents Required

  • Photograph
  • ID proof – Any one (PAN Card, Driver License, Passport, Aadhaar card)
  • Address proof (any one)- passport, driver’s license, voter’s ID, aadhaar card, electricity bill, telephone bill, postpaid mobile phone bill, bank account/post office savings bank account statement
  • Income document (if app score is below certain level) - 3 months salary slips
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Overview Citibank Cashback Credit Card

Citi’s Cashback Credit Card makes every shopping trip a delight! With bigger cashbacks and higher savings, your Citi Cashback credit card gives you yearlong benefits.

This card is specifically beneficial for ardent shoppers, both online and offline, as it offers up to 5% cashbacks on most spends. Users can also get additional discounts for dining spends.

Features Of Citibank Cashback Credit Card That Are Best For You

  • Get 5% Cashback on telephone bills, utility bills, and movie ticket purchases
  • You will also get 0.5% cashback on all other spends
  • Cashback is auto-redeemed and credited to you billing statement in multiples of Rs.500
  • Want more? Your reward points never expire and you can redeem them anytime
  • Additional cashbacks during the first year – 5% cashback on monthly spends of Rs.4000 on movies, telephone and utility bills. Rs.950 additional cashback on all other spends.
  • Get 1% Fuel Surcharge waiver for transactions made at authorized Indian Oil Petrol Pumps. Minimum transaction value of Rs.10

Find Other Cashback Credit Cards Popular In 2022

What Are The Interest Rate And Other Charges On Citibank Cashback Credit Card?

  • The joining fee and renewal fee vary based on your application and shall be communicated to you at the time of applying.
  • The Annual Interest Rate is also informed to you at the time of card issue and is based on various factors like your credit score, age, income and employment type. But the average interest rate is said to be around 45% per annum.
  • Cash withdrawals from ATM will attract an interest rate of 2.5% on the total withdrawal amount, subject to a minimum of Rs.500
  • You will incur late payment charges if you fail to pay the minimum amount due on the due date. The charges are such:
  • Statement BalanceLate Payment Charges

    Up to Rs.2000

    Nil

    Rs.2001 – Rs.7500

    Rs.600

    Rs.7501 – Rs.15000

    Rs.950

    Above Rs.15000

    Rs.1300

Other Benefits On Your Citibank Cashback Credit Card

Discounts on Dining Spends

Get up to 20% discount on participating restaurants across India

Shopping Rewards

Get easy EMI on travel booking and shopping at over 2000 outlets 

International Travel Offers

Get exclusive offers and discounts at more than 26,000 stores for travel, hotels, shopping, entertainment, spa, golf courses, and more

Credit Card Loans

Get Instant Credit Card loans with attractive interest rates

Contactless Payment for added security

Just tap your card and pay for your transactions 

Get Travel & Lifestyle Services with a single call

Call dedicated Travel and Lifestyle specialist who can create the best plan to live life to the fullest

Citi PayLite

Allows you to convert larger transactions into smaller EMIs at the best rate

International Discounts & Deals

Not just in India, enjoy cashbacks and discounts in more than 90 countries worldwide


Also Read: Best Citibank Credit Card Offers

Eligibility To Apply For Citi Cashback Credit Card

Citibank has simple eligibility conditions to get their credit cards –

  • You have to be an Indian citizen
  • Must be above the age of 21 and below 65 years
  • A decent credit score of 700 and above
  • Income and employment requirement will be communicated to you at the time of card application

What Are The Documents I Need To Submit Along With My Citi Cashback Credit Card Application?

The document requirements are pretty much the same as any other credit application:

One color passport size photograph

Duly signed consent form

Address proof

  • Valid Passport issued by Govt. of India
  • Valid Driving License
  • Aadhaar number
  • Voter's ID Card
  • NREGA Job Card 

Photo ID proof 

  • Valid Passport issued by Govt. of India
  • Valid Driving License
  • Proof of possession of Aadhaar number (Aadhaar Card/ E-Aadhaar)
  • Voter's ID Card
  • NREGA Job Card 

For salaried employees – Latest 2 months’ salary slips

For self-employed individuals – Latest ITR

You Can Check Your Eligibility For Citi Cashback Credit Card On Creditmantri. Click Here Now!

Where And How Can I Apply For The Citi Cashback Credit Card?

It is a very simple process to apply online for your desired Citibank credit card. Here are the steps to be followed:

  • On the online application form, you will be requested to provide your contact information as well as personal information such as your name, date of birth, nationality, and PAN number.
  • Then you must enter information about your professional background, such as your job title or firm name.
  • Your contact information is in the third section.
  • Once you've supplied all of the essential information, your application will be processed.
  • An authorised person will call you in the following 2-3 days to collect the document proofs.
  • It will take 7 working days to evaluate all entries that have been properly submitted. Once you've been approved, you'll receive a credit card and a welcome kit in the mail.

How Citibank Cashback credit card compares with peers

Card Name

Joining Fee / Renewal Fee 

Cashback Limits

Citibank Cashback credit

Rs.500

5% Cashback on telephone bills, utility bills, and movie ticket purchases. 0.5% cashback on all other spends

HDFC Money Back Credit Card

Rs. 500

2 reward points for every Rs.150 spent. Get 5x reward points for fuel spends

SBI Simply Save Credit Card

Rs. 499 

5% cash back on purchases at certain supermarkets & department stores

5x rewards for spending on hotels, dining, air tickets and fuel.

Standard Chartered Manhattan Platinum Card

Rs.999

5% cashback every time you shop at departmental stores and super markets. 

ICICI Bank Platinum Chip Credit Card

NIL

2 Payback points on every Rs. 100 spent on retail purchases, except fuel

Common FAQs For Citibank Cashback Credit Card

1. Can I use my Citibank Cashback Credit Card when I travel abroad?

Yes, your Citibank cashback credit card is activated for international use. We advise you to check the foreign currency usage charges before you travel so that you are well aware of the conversion rates and other charges.

2. Where can I check the application status of my Citibank Cashback Credit Card?

You can check your application status on the Citibank website. You will need to enter your mobile number and the application reference number to get the status.

3. Why is my credit score important? What credit score is required to get the Citibank Cashback Credit Card?

Your credit score indicates your credibility and repayment capacity. Since a credit card is basically an unsecured loan, credit card companies will check your credit score before processing the application. A credit score of 700 and above is considered ideal to get the Citibank Cashback Credit Card.

4. Can I apply for an add-on card on my Citibank Cashback Credit Card?

Yes, you can apply for an add-on card for your spouse, parents, kids, or siblings.

5. Can I increase the credit limit on my Citibank Cashback Credit Card?

Your credit limit is determined based on your income, age, credit score and various other factors. Based on your card usage and repayment history, Citibank will offer you credit limit increase offers from time to time. You can avail these offers to get your credit limit enhanced.

6. What is the cash limit on my Citibank Cashback Credit Card? Is it the same as my credit limit?

Cash limit is the cash withdrawal amount permissible on your credit card. This is part of your credit limit but is not equal to it. The credit limit and cash withdrawal limits are mentioned on the welcome kit you received with the card.

7. Can cashbacks expire?

Cashbacks are different from reward points. They are credited as refunds to your credit card and adjusted against your outstanding balance. Hence they don’t expire.

8. Can I use the cashback to pay my credit card bill?

The cashback is already credited to your account and is accounted for in the next bill.

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