The Citi Cash Back Credit Card, provided by Citibank, is specifically designed to offer cashback advantages to its users. This credit card allows cardholders to earn cashback rewards on their transactions, typically focusing on specific spending categories like dining, groceries, fuel, or utility bills. The accumulated cashback is deposited into the card account, providing flexibility for users to either redeem it against future purchases or apply it as a credit on their statements. For a more detailed understanding of these benefits and how they work, continue reading.
Table of Contents
Benefits and Features of Citi Cash Back Credit Card
| Benefits and Features | Citi Cash Back Credit Card |
|---|---|
| Welcome Benefits | N/A |
| Cashback/Rewards Points | Earn a 5% cashback on payments for utility bills, movie tickets, and telephone bills, providing valuable savings on essential services. Additionally, enjoy a 0.5% cashback on expenditures across all other categories, enhancing the overall cashback benefits of the card. |
| Travel Benefits | While the card doesn’t offer specific travel benefits, its focus on cashback rewards and dining discounts makes it a compelling choice for those prioritizing savings and dining experiences. |
| Dining Benefits | For dining enthusiasts, relish a 20% discount on dining bills at partner restaurants, making your culinary experiences even more delightful. |
| Domestic Lounge Access | N/A |
| International Lounge Access | N/A |
| Movie Benefits | N/A |
| Insurance Benefits | N/A |
Eligibility for Citi Cash Back Card
To know more details about the eligibility for the Citi Cash Back Card, kindly read the Citi Cash Back Card Eligibility Blog post
Fees & Charges of Citi Cash Back Credit Card
| Fees & Charges | Citi Cash Back Credit Card |
|---|---|
| Joining fee | Rs. 500 (plus applicable taxes) |
| Annual fee | Rs. 500 (plus applicable taxes) |
| Fee waiver | N/A |
| Fuel surcharge | Enjoy the convenience of a 1% fuel surcharge waiver when refueling at authorized IndianOil Corporation outlets across all fuel pumps in India with the use of this credit card. This feature adds a cost-saving advantage for cardholders, making fuel transactions more economical and efficient. |
Reward Points Redemption
- The cashback earned on Citibank Cash Back Credit Card is automatically adjusted every month against the card’s statement balance.
- The cashback can be adjusted against the statement balance of the credit card in multiples of 500 only, i.e. you must have earned a minimum cashback of Rs. 500 for it to be adjusted against your credit card’s statement balance. Also, if the cashback earned is more than Rs. 500, but less than Rs. 1,000, only Rs. 500 will be adjusted against your card’s statement balance in that billing cycle, and the rest amount shall be carried forward to the next billing cycle.
How to Apply for Citi Cash Back Credit Card
You can apply online or offline for this Citi Cash Back Card.
Online – Visit Citi Bank’s official website and submit your application through the online platform for the Citi Cash Back Card.
Offline – Alternatively, you can visit the nearest Citi Bank branch in person and submit your application along with all the necessary documents for the Citi Cash Back Card.
