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Citi Cash Back Credit Card Details:

Following are the key details of the Citibank Cashback credit card:

FeaturesDetails
Best forCashback
Joining feeRs. 500 + GST 
Annual feeRs. 500 + GST
Annual benefitsBenefits worth Rs. 3,600 in the first year
Required eligible age 18 years or above 

Additional Info: Citibank Credit Card Customer Care in Detail.

Citibank Cash Back Credit Card Fees & Charges

Following are the fees and charges associated with the Citi Cashback card:

  • Joining fee: Rs. 500
  • Annual fee: Rs. 500
  • Interest rate: Ranges between 37.20% and 42.00% per annum, depending on card spends, credit limit utilization, repayment patterns, etc.
  • Cash advance fees: 2.5% of the billed amount withdrawn, minimum Rs. 500.
  • Late payment charges: Varies from nil to Rs. 1,300, depending on the due statement balance.
  • Over credit limit charge: 2.5% of the amount over the credit limit (excluding fees, charges and taxes), subject to a minimum of Rs. 500.
  • Returned payment charge: Rs. 500 per Cheque/ ECS/ ACH/ SI bounce.
  • Fuel transaction charge: 1% fuel transaction charge (or surcharge) + GST. This is reversed at authorized IndianOil Corporation outlets only for transactions above Rs. 10.
  • Railway ticket booking surcharge: 1.8% of the transaction value. 
  • Foreign currency transactions: 3.5% mark-up.
  • Cash deposit at Citi branches: Rs. 250 per deposit.

NOTE: Goods and Services Tax (GST) as notified by the Government of India is applicable on all the fees, interest and other charges and is subject to change

Features & Benefits of Citi Cash Back Credit Card

Following are the Citibank Cashback credit card benefits and features in detail:

Cashback

  • 5% cash back on telephone and utility bill payments. 
  • 5% cash back on movie ticket purchases.
  • 5% cash back on utility bill payments through Citibank Online Bill Pay. 
  • 0.5% cash back on all other spendings.
  • Cashback is auto-credited to your statement in multiples of Rs. 500 and redemption can be made in multiples of Rs. 500.
  • Your unredeemed cash back never expires.

Joining & Annual Benefits

  • Get Citibank Cash Back credit card benefits worth Rs. 3,600 in the first year.
  • Apply for a Citibank credit card and get Rs. 5,000 vouchers of leading brands like Amazon, Myntra, Flipkart, etc.

Discounts & Offers

  • 10% of Reliance Digital.
  • Flat Rs. 300 off for all orders of above Rs. 999 on Bombay Shaving Company.
  • Extra 20% off on The Man Company (excluding body perfumes).
  • Flat 20% off on all Beardo products.
  • Spruce Shave Club: Flat 30% Off on all orders above INR 499/-
  • Get flat Rs. 300 off on purchase of Rs. 2,000 on NOW..
  • Flat Rs.350 off on New Tata Play connection.
  • 15% discount on Math and Coding Classes on Cuemath
  • Up to 15% off on Samsung.
  • The above offers are valid till 30th September 2022.
  • Apart from the above offers you also get various other attractive deals on Citibank Cash Back credit card. Visit https://citi.poshvine.com/?eOffercode=INCITIPOS for more offers.
  • Visit https://www.online.citibank.co.in/credit-card/offers?eOfferCode=INCITICRDOFRS for the latest offers.

Citi Quick Cash

  • Avail instant loan with the Citi Quick Cash facility.
  • This loan is offered at a 0% processing fee.
  • Interest rate for instant personal loan starts at 9.99% p.a.

Citi PayLite

  • Convert your shopping bills above Rs. 2,500 made through the card into affordable EMIs. 
  • You can convert up to 10 eligible transactions. 
  • You can avail up to 48 EMIs for payment on your Citi credit card.

Citi Referral Program

  • Refer your friends and family members and earn up to Rs. 9,999 cashback.

Dining

  • Up to 20% savings across participating restaurants.

Citi Cash Back Credit Card Document Required

Following are the documents required to apply for the Citibank Cash Back card:

Documents required for salaried applicants

  • Identity proof: Valid Passport issued by the Government of India, Proof of Possession of Aadhaar number (via Aadhaar Card/ E-aadhaar), Voter's ID Card, Valid Driving License, Job Card issued by NREGA (duly signed by a State Government officer).
  • Address proof: Valid Passport issued by the Government of India, Proof of Possession of Aadhaar number (via Aadhaar Card/ E-aadhaar), Voter's ID Card, Valid Driving License, Job Card issued by NREGA (duly signed by a State Government officer).
  • Income proof: Latest 2 salary slips.

Documents required for non-salaried applicants

  • Identity proof: Valid Passport issued by the Government of India, Proof of Possession of Aadhaar number (via Aadhaar Card/ E-aadhaar), Voter's ID Card, Valid Driving License, Job Card issued by NREGA (duly signed by a State Government officer).
  • Address proof: Valid Passport issued by the Government of India, Proof of Possession of Aadhaar number (via Aadhaar Card/ E-aadhaar), Voter's ID Card, Valid Driving License, Job Card issued by NREGA (duly signed by a State Government officer).
  • Income proof: Latest year's Income Tax Return along with audited financials and computation of income.

Citi Cash Back Credit Card Eligibility

You must meet the following eligibility criteria to get a Citibank Credit Card:

  • You must be aged above 18 years of age. 
  • You must be an Indian citizen.
  • You should have a good credit history and credit score. 
  • You must have a stable source of income.

How to Apply for Citi Cash Back Credit Card?

You can apply for Citi Cash Back Credit Card online through the bank’s website or offline by visiting the nearby branch. Alternatively, you can also apply for the card online through our website by following the below steps:

  • Click on the ‘Credit Cards’ tab given on the homepage of our website.
  • Enter all the necessary details like your name, mobile number, email id, employment information, income, etc.
  • Verify your mobile number by entering the OTP received on your number.
  • You will receive a call from one of our credit card experts soon to help you complete the credit card application process.

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Citi Cash Back Credit Card FAQs

Does a Citi Cash Back Card have an annual fee?

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Yes, the Citi Cash Back card comes with an annual fee of Rs. 500 plus applicable GST.

How to check the status of Citi Cash Back Credit Card?

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Follow the steps mentioned below to check the status of the Citi Cash Back Credit Card:

  • Visit Citibank Online on your desktop, laptop or mobile. 
  • Select the ‘Credit Cards’ tab from the menu bar.
  • Click on the ‘Track Application Status’ option from the dropdown menu.
  • You will be redirected to a new page wherein you will have to enter your application reference number and
  • mobile number as entered in your application. 
  • Now click on the submit button.
  • If the entered details are correct, you will get one of the following application statuses:
    • Approved
    • Disapproved
    • Dispatched
    • In progress
    • On-hold
    • No records found 

What is the annual fee for Citi Cash Back Credit Card credit card?

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The annual fee for Citi Cash Back Credit Card is Rs. 500 plus applicable GST.

Is Citi Double Cash actually 2%?

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Yes, with Citi Double cash, you will earn 2% cash back on purchases. 1% when you buy and 1% as you pay.

How do I use my Citi Cash Back credit?

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Cashback is auto-credited to your statement in multiples of Rs. 500 and you can use it to redeem in multiples of Rs. 500. Your unredeemed cash back never expires.