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Citi Bank Cashback Credit Card
★★★★★(4)The Citi Cashback Credit Card can be the right choice for you if you like to save money on everyday expenses and love eating out. For a joining and annual fee of just ₹500, you can enjoy 5% cashback on your telephone and utility bill payments, as well as movie tickets. Plus, you'll get 0.5% cashback on all other expenses and a 20% discount at participating restaurants. And here's the best part - your unredeemed cashback never expires and is credited to your statement monthly! Keep reading to discover more about the benefits of this card. 👇
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Features and Benefits
Aspects that make spending using this card lit as the sun!
Fee and Charges
Think of these as small investments to keep your credit card running smoothly.
Charges
Joining Fee
₹500Annual Fee
.Annual Percentage Rate
45%Add-on Card Fee
FreeMinimum Repayment Amount
5%Cash Withdrawal Fee
2.50%Cash Advance Limit
40%Card Replacement Fee
NilForeign Transaction Fee
3.50%Over Limit Penalty
2.50%Fuel Transaction Surcharge
1%Reward Point Value
NAPros
Aspects that make this credit card amazing.
- ⮚Cashback of 0.5% on all other spends with Citibank Cashback Credit Card.
- ⮚20% discount on dining bills across several participating restaurants.
- ⮚Up to 10% savings on MakeMyTrip.
- ⮚Up to 15% cashback on duty-free stores.
- ⮚Savings worth ₹3600 in the first year.
Cons
Aspects this credit card lacks.
- ⮚Pay an interest rate of 3.75% per month on this credit card.
- ⮚3.75% forex fee on all international transactions.
- ⮚It does not offer welcome and joining benefits.
- ⮚Does not offers lounge access & travel benefits.
Citi Bank Cashback Credit Card Review
This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.
The Citi Cashback Credit Card is one of a kind card that offers cashback on different day-to-day activities. While the card offers a wide range of reward returns on ticket booking, dining, paying fuel bills, and so much more. This card is for people who like going out and spending on sources of entertainment. The cashback redemption process is hassle-free as the cashback one earns is automatically credited to their account in multiples of ₹500.
There are several credit cards available on the market right now that offer a number of features at a reasonable annual cost.
Overview
| Best For | People who like going out |
|---|---|
| Joining Fee | ₹500 plus taxes |
| Annual Fee | ₹500 plus taxes |
| Welcome Bonus | None |
| Card Type | Entry-level |
| Best Feature | Rewards on day-to-day purchases |
Citi Bank Cashback Credit Card Maximum Cashback
| PARTICULARS | REWARD POINT (CASHBACK) |
|---|---|
| Movie Ticket Purchases | 5% |
| Phone bill payment | 5% |
| Other spends | 0.5% |
Who should get an Citi Bank Cashback Credit Card?
The Citi Cashback Credit Card is a great choice for people who are looking for an affordable credit card with exclusive cashback offers. The card not only provides cashback on most spending like movies, phone bills, etc. but also gives amazing saving opportunities on other spending as well like a 20% discount across various participating restaurants, and up to a 50% discount on Zomato. One can save up to almost ₹3600 in the first year itself.
How to Apply for an Citi Bank Cashback Credit Card?
Note: Please ensure that you provide accurate and complete information in the application form to increase your chances of approval.
Citi Bank Cashback Credit Card Eligibility
Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.
Documents Required
- Proof of identity: Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
- Proof of Address: Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
- Proof of Income: Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.