SELECT `id` FROM `tbl_card` WHERE `title` = 'Citi Cash Back Credit Card' AND `card_type` = 'Credit Cards' CITI Cash Back Credit Card - Benefits, Rewards, Eligibility, Features

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Citi Cashback Credit Card

Citi Cash Back credit card is one of the top credit cards offered by Citibank. This card is specifically crafted with cashback benefits on purchases made with the credit card. This card brings a party of cashbacks on spends made on entertainment, utility and lifestyle categories. The joining fee for this card is intimated by the bank during application procedure and the Citi Cash back credit card annual fee costs Rs 500 plus taxes. If you are a frequent shopper who cannot keep their inner spendthrift from giving into purchases then the Citibank Cash Back credit card is a company for you to keep. 

Citibank Cashback Credit Card Highlights

Joining Fee

As per the bank’s discretion

Annual Fee

Rs 500 + applicable taxes

Cash Advance Charges 

2% of the amount withdrawn (Minimum Rs 500)

Late Payment Charges

  • NIL for statement amount of up to Rs 2,000
  • Rs 600 for statement amount from Rs 2,000 to Rs 7,500
  • Rs 950 for statement amount from Rs  7,500 to Rs 15,000
  • Rs 1300 for statement amount above Rs 15,000

Cash Deposits at Citibank Branches

Rs 250 per deposit

Citi Cashback Credit Card Benefits

There are plentiful of benefits which a Citi Cash Back credit card treats cardmembers with. You can count on the following Citi Cash Back card benefits: 

1. Cash Back Benefits : Citi Cash Back credit card allows you to bag a range of cash backs on different purchases you make using it. Here are the cashbacks that you can earn using this credit card:

  • 5% cashback on your spends on movies. 
  • 5% cashback on your transactions made for telephone bill payments.
  • 5% cashback on your transactions made for utility bill payments.
  • 0.5% cashback on all other sorts of spends.

This card offers an incredible deal to help save up on your purchases with attractive cashbacks. On accumulating minimum Rs 500, the cashback is automatically credited to your Citibank credit card account. 

2. Shopping Benefits : Citibank Cash Back credit card owners get to enjoy various shopping perks. The card benefits you with cashbacks and discounts on making purchases at partner stores. 

3. Dining : Apart from shopping, you are also entitled to discounts on dining using the Citi Cash Back card. The card earns you the discount of up to 20% on dining at partner restaurants. 

4. Citi PayLite : Citi PayLite is a Citibank credit card facility using which you can turn your credit card transactions into EMIs. If your credit card transactions seem too large to be paid off in one go then you can convert them into easy monthly installments with Citibank credit card Citi PayLite feature. Your outstanding balance should be at least Rs 2,500 to be eligible for EMI facility

Citi Cash Back Credit Card Eligibility Criteria

You must visit the Citi Cash Back card eligibility criteria in order to get the credit card easily. Here are the eligibility requirements for Citibank Cash Back credit card which you must keep up with:

  • Applicants should be at least 18 years of age. 
  • Applicants should have a stable income. 
  • Applicants should carry a good credit history. 

Citibank Cash Back Credit Card Fee and charges

To apply for a cash back card, you have to pay fees and charges applied by Citibank. It covers all charges and fees made by a bank to their customers.The following charges are taken from Citibank i.e joining fee, annual fee, interest rate, late payments charges etc.

  TYPE

  CHARGES

Joining Fee

500

Annual Fee

500

Interest Rate

37.2% to 42% per annum

Cash Withdrawal fee

2.5% of the withdrawn amount subject to a minimum amount of Rs.500

Rewards Redemption fee

Nil

If the statement balance is

  • Up to Rs.1,000 - NIL

  • Above Rs.1,000 and up to Rs.5,000 - Rs.450

  • Above Rs.5,000 and up to Rs.10,000 - Rs.700

  • Above Rs.10,000 - Rs.950

Over credit limit fee

2.5% on the amount exceeding the credit limit, subject to a minimum of Rs.500

Cheque return or bounce fee

Rs.500 per returned cheque

Statement request fee

Rs.100 (For more than 3 months)

Railway ticket booking surcharge

1.8% of the transaction value

Re-issue of the card

Rs.100

Cash payment fee

Rs.250 per deposit

Cash payment at ATMs

Rs.100 per deposit

Other Top Credit Card of Citibank

Card Variant Annual Fee Category
Rewards Credit Card Rs.1,000 (waived on annual expenditure of Rs.30,000) Shopping
First Citizen Citi Credit Card Rs. 0 for spends of Rs. 30,000 / Rs. 5,000 for spends lesser than Rs. 30,000  
IndianOil Citi Credit Card Rs. 1,000 (waived on annual expenditure of Rs. 30,000) Fuel
Citi Prestige credit card Rs. 20000 Lifestyle
PremierMiles Credit Card Rs. 300 Travel

Required Documents for Citi Cash Back Credit Card

Here are the Citi Cash Back credit card documents that are required by the bank:

Documents

Salaried Individuals 

Self Employed Individuals 

ID Proof

Aadhar Card, Passport, Voter ID 

Aadhar Card, Passport, Voter ID 

Address Proof

PAN Card, Driving Licence, Electricity Bill, Water Bill 

PAN Card, Driving Licence, Electricity Bill, Water Bill 

Income Proof

Salary Slips, Bank Statements, Form 16. IT Returns 

Salary Slips, Bank Statements, Form 16. IT Returns 

Other Important Documents

PAN Card, Passport-size Photographs 

PAN Card, Passport-size Photographs 

How to Apply for Citi Cash Back Credit Card?

Below mentioned are the ways to apply for a Citi Cash Back credit card:

  • Apply for Citi Cash Back credit card offline 

In order to apply for a Citi Cash back card offline, you have to go to the nearest branch of Citibank. You have to make sure that you carry all the necessary documents that will be required for Citibank credit card application. 

  • Apply for Citi Cash Back credit card online

You need to follow the steps mentioned below in order to apply for Citi Cash Back credit card online:

  • Go to the official website of Citibank.
  • Then move to the “Credit Cards” section.
  • Find and click the “Cash Back” credit card option. 
  • Now that you are on the application form, you have to fill out the necessary fields including the personal and professional details. 
  • Click the “Submit” button.

Citibank Cash Back Credit Card Reward Redemption

You can enjoy the cashbacks earned with a Citi Cash Back card on your expenses including movies and telephone and utility bills. The cashback earned is credited to your credit card account after a minimum accumulation of Rs 500. The maximum cashback you can earn on movies/telephone/utility categories is capped at Rs 100.  

To redeem Citi Cash Back reward points, you can use the Citi Mobile app or  reach out to the Citibank customer service.

Citibank Cash Back Credit Card Customer Care

If you need any assistance with the Citibank credit cards or have any query or grievances regarding the Citibank Cash Back credit card, then you can dial the Citibank credit card customer number.

Here is the Citibank credit card customer support number:

+91-22-49181050 ,1-800-419-1050

Other Products Offerd by Citibank

FAQs On Citibank Cash Back Credit Card

Q.1 How do I track my Citibank Cash Back credit card application status?

Here are the different ways to track your CitI Cash Back credit card application status:

Q.2 Track your Citibank credit card application status on the Citi Mobile app. 

  • Go to the official website of the bank to check the application status of a Citibank Cash Back card. To do that, you can simply go to the credit card section on the website. Then:
  • Click on the “Track Application Status” option.
  • Enter your credit card application reference number and registered mobile number.
  • Hit the “Submit” button. 

You can also reach out to the bank branch or Citibank customer service to know about the status of your Citibank credit card application. 

Q.3 I lost my Citi Cash Back credit card. What should I do?

You have to report the loss of your Citibank credit card to the bank’s customer support immediately. You can get the card blocked with the help of customer service. 

Q.4 How can I pay my Citibank Cash Back credit card bill?

You can opt from different payment options offered by the bank to pay Citibank credit card bills. You can use these payment modes to make your Citi credit card bill payment:

  • Cash/Cheque deposits at the bank branch
  • NEFT
  • Citi Mobile App 
  • Citibank Online
  • Standing Instructions

Q.5 What is the Citibank Cash Back credit card joining fee?

The joining fee for Citibank Cash Back credit card is communicated by the bank at the time of application. 

Q.6 What is the Citibank Cash Back credit card annual fee?

The annual fee for Citibank Cash Back credit card that is charged by the bank is Rs 500 plus taxes.

Last Updated on : 13/Apr/2021

Know More About CREDIT CARDS

Citi Cash Back Credit Card

You're eligible for a Citi Cash Back Credit Card if you:


Are legally adult enough to handle it


Have still got it


Get a regular pay check


Make more than a basic buck

Your eligibility depends on:


Earn more than minimum income required


Maximum allowed Credit Cards is Rs. 10K to Rs. 45 lakhs


EMIs of other loans loweryour eligibility

Boost your eligibility by:


Pay off your credit card bills


Choose longer tenure loan up to 5 years

Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

  • 1. Photo ID and age proof
  • 2. Signed application form with photograph
  • 3. Residence proof
  • 4. Last 6 months bank statement
  • 5. Documentation for salaried applicants:
    • Last 3 months salary - slips
    • Form 16 or Income Tax Returns
  • 6. Documentation for self-employed applicants:
    • Last 3 years Income Tax Returns with computation of Income
    • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account