CITI Cashback Credit Card

CITI Cashback Credit Card is a rewards credit card from Citi Bank. 1 RP= ₹0.35 Effective Cashback Rate: 1.75%.

Annual fee: ₹500
Forex markup: 3.75% per transaction
Interest: 37.20%p.m. 42.00% p.a

More Citi cards

Rewards & cashback

1 RP= ₹0.35 Effective Cashback Rate: 1.75%
1% cashback on all spends
5% cashback on telephone & utility bill payments, and movie ticket purchases

Milestone benefits

The unredeemed cashback is evergreen, and never expires

Dining

20% off on dining bills at select partner resuarants

Movies

Additional benefits:Depending on the specific version, you may get additional benefits like discounts on movie tickets, phone bills, or dining

More benefits & features

No annual fee:Some versions of the card have no annual fee, making it a good option for low-spenders or those who value simplicity.; Widely accepted:The Visa or Mastercard network provides broad acceptance at merchants worldwide

Fees & charges

Annual fee: ₹500
Foreign currency markup: 3.75% per transaction
Interest rate: 37.20%p.m. 42.00% p.a
Late payment: Up to ₹1,000
Cash advance: 2.5% of the amount or ₹500 (whichever is higher)
Fuel surcharge: CITI Cashback Credit Card offers a 1% fuel surcharge reversal on transactions made at authorized IndianOil outlets.…
Billing cycle: 30 Days
Other fees: 2.5% of the amount or ₹500 (whichever is higher) | Over-limit Charges: Up to ₹500

Pros and cons

What works well

No annual fee: Some versions of the card have no annual fee, making it a good option for low-spenders or those who value simplicity
Users will get 5% cashback on telephone & utility bill payments, and movie ticket purchases
1% cashback on all spends
Cashback is credited directly to your card account and can be redeemed for statement credit or various gift vouchers. 1 RP= ₹0.35
Effective cashback rate: 1.75%
The unredeemed cashback is evergreen, and never expires

Worth knowing

Low cashback rate: 0.35% is a relatively low cashback rate compared to other cashback cards offering up to 5% or more in certain spending categories
No rewards system: Unlike cards with points programs, you don't have the flexibility to redeem your cashback for travel, merchandise, or other rewards
Foreign transaction fees: You may incur foreign transaction fees on international purchases
High late payment fees: Missing a payment can result in hefty late fees, so responsible credit usage is crucial

Who can apply

The applicant should be between 23 and 60 years of age
The applicant should be either salaried or self-employed and have a decent credit score
The minimum income requirement for salaried individuals is not available in the search results
The minimum income requirement for self-employed individuals is not available in the search results

How to apply

Choose your desired CITI Cashback Card variant: CITI offers several cashback cards with varying rewards rates and annual fees
Compare and choose the one that best suits your spending habits
Visit the CITI website or mobile app: Navigate to the credit card page and select "Apply Now" for your chosen card
Fill out the application form: Provide your personal details, financial information, and employment details
Ensure all information is accurate and complete
Upload required documents: Scan and upload copies of your proof of identity, address, and income proof
Review and submit your application: Carefully review all details before submitting your application

Details come from information published by Citi Bank and may change. Confirm current fees, benefits and eligibility with the bank before applying. Some links are partner links; MyRupaya may earn a commission at no extra cost to you.