Citi Cash Back Credit Card: Your daily dose of delight

Citibank is a subsidiary of financial services multinational Citigroup. It provides personal loans, credit cards, mortgages, commercial loans, and lines of credit. Citibank offers a wide range of credit cards to suit your needs. In this post, I will discuss all the important information about the Citi Cash Back Credit Card.

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Citi Cash Back Credit Card

Citibank Cash Back Credit Card is a card that put some cash back in your wallet. Now you can pay all your bills using this card and get some cash back. This means that you can do everything that you have always done but do it for less with this card.

Citibank Cash Back Card has been designed to offer some cash back on all your bill spends. With this card, you enjoy savings and cash rebates all year long. To make payment easy, this card is enabled for contactless payments.

Savings using Citi Cash Back Credit Card

You will save the following using Citi Card Cash Back.

1. Get 5% cashback on movie ticket purchases.

2. Avail 5% cashback on all your telephone bill payments.

3. Avail 5% cashback on all your utility bill payments.

4. Get 0.5% cashback on all other purchases/spends.

5. Get your cashback auto-credited to statement in multiples of Rs.500.

6. Your unredeemed cashback is evergreen and never expires.

7. Get benefits worth Rs.3,300+ in the first year.

Note that Citi card cash back in the Movies / Telephone / Utility category is capped at Rs.100 per month for each category.

Features & Benefits of Citi Cashback Card

1. Joining or annual fees for primary and additional Citi Cashback Card is communicated at the time of sourcing.

2. Avail up to 5% cash back on all spends.

3. You will get your cash back automatically as a statement credit.

4. It is enabled for contactless payments. Just tap it on the terminal accepting the contactless card for transaction up to Rs.2000.

5. Get up to 20% off on dining across participating restaurants.

6. Get redemption in multiples of Rs.500.

7. Easy EMI facility on online travel booking and shopping as well as at over 2,000 stores.

8. Instant loan on your card.

9. Avail exciting offers on leading brands across categories.

10. Multiple repayment options to settle Citi Cashback Card outstanding.

Check the details for Citi Cash Back Card by clicking here.

Citibank Cash Back Credit Card – Fees & Charges

Joining Fee: The joining fee for the primary and additional card is communicated at the time of sourcing.

Annual Fee: The annual fee for the primary and additional card is communicated at the time of sourcing.

Cash Advance Fees: 2.5% subject to a minimum of Rs.500.

Late Payment Charges:

Nil for statement balance up to Rs.1000.

Rs.450 for statement balance above Rs.1000 and up to Rs.5000.

Rs.700 for the current balance above Rs.5000 and up to Rs.10000.

Rs.950 for the current balance above Rs.10000.

Over Credit Limit Charge: 2.5% of the amount over the credit limit, subject to a minimum of Rs.500.

Returned Payment Charge: Rs.500 per returned payment.

Reissue of Lost, Stolen or Damaged Card: Nil

Cash deposit at Citi branches: Rs.250 per deposit.

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How to apply for Citibank Credit Card?

You can apply for this card by visiting Citibank Online. Alternatively, you can contact Citibank 24*7 CitiPhone banking services. Application link for Citibank Cash Back Credit Card.

Eligibility Criteria for Citibank Cash Back Credit Card

You must be more than 18 years old and an Indian resident to be eligible for this card. The card offered to you if your profile matches the eligibility conditions prescribed by Citibank.

Click here to Apply for Citibank Cash Back Credit Card

Documents required for processing the application

The following documents required for processing a Citibank Credit Card application.

Documents required for the salaried employee:

1. One passport size color photograph.

2. Proof of Identity

3. Proof of Address

4. Latest two salary slips

5. Duly filled and signed application form

Documents required for Self-employed:

1. One passport size color photograph.

2. Proof of Identity

3. Proof of Address

4. Latest year ITR with audited financials and computation of income

5. Duly filled and signed application form

Click here to apply for the Citi Cashback Card online.

Once you submit your application, a Citibank representative will contact you in 2-3 working days, to collect the documents. If your application approved, the card along with the welcome kit will be dispatched to your address.

Click here to Apply for Citi Cash Back Credit Card

Final Thoughts

Citi Cash Back Credit Card is the perfect card if you are looking to earn cash back on your daily spends. With this card, you enjoy savings, cash rebates, and many more benefits all year long. You can also enjoy EMI options on online travel booking and shopping as well as at over 2,000 stores.

Note: This post was originally published on January 14, 2019 and has been completely updated for accuracy and comprehensiveness.