Citi Cash Back Credit Card Review

From time to time credit card companies launch new cards to serve the needs of their customers. Just like that Citibank has designed a card for those customers who want to earn cashback from their spending, this card offers several cashback benefits and other privileges on Shopping, dining, EMI payments, Instant Loan facility, etc. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 23 – 60 yrs. 
    • Income: 25,000 monthly. 
  • For self-employed person:
    • Age: 23 – 60 yrs. 
    • Income: 25,000 monthly.
  • Good CIBIL score (750 or more).  

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Membership number of Shoppers Stop Loyalty Programme. 
  • Proof of income statement:
    • Salaried Person (any 1)
      •  Salary Slip of the last 3 months 
      • ITR
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Audited financials. 


  • Joining Fee: ₹500 + GST
  • Annual Fee: ₹500 + GST


  • Cash-Back:

With your Citi Cash Back Credit Card, you can earn cash backs from your purchases. 

You will get a 5% Cash-Back on utility bills and movie tickets when you use a Citibank credit card to pay the bills online. You will also get 0.5% Cash-Back on other spending categories.

The cashback amount will be credited to your account automatically, as soon as the total cashback amount reaches ₹500. These Cash-Backs never expire so you can redeem them whenever you want. 

The cashback you earn monthly will be reflected in your monthly statement.

  • Shopping:

With this card you will get big benefits on shopping, also you get the privilege of instant EMI facility. With it, you can pay your big shopping bills in easy monthly installments. 

  • Benefits on Dining:

With this Citibank credit card you will get up to a 20% discount on your dining bills, this offer is applicable at some selected partner’s restaurants including Arena Café, Baarish, Backstage, etc. 

  • EMI facility:

With this card you can convert your big bill amounts into easy monthly EEMIs, this feature is applicable to online travel booking and both online and offline shopping. 

  • Instant loan facility:

This card allows you to get an instant loan against your card. With this feature, you can convert your total credit limit into an Instant loan. This feature is very helpful for emergencies. You can also pay back the loan amount in monthly installments. 

  • Easy pay option:

This card is enabled with an advanced payments option, where you don’t need to swipe your card to make payments, you can pay with your card with just a wave at any secure reader machine. You can pay a maximum of ₹2000 with this method. 

  • EMV Chip card:

Your Citi Cash Back Credit Card comes with a built-in EMV chip, this chip is specially designed for convenience and security. It adds an extra layer of security to your transaction. The new EMV chip and PIN system have made your card more secure than before. 

  • Worldwide acceptance:

This card can be used anywhere in the world, you will also get some benefits on travels, Hotels, golf, Spas, etc. in over 30+ countries in the world. 


  • Cash Withdrawal Charge: 2.5% against the withdrawal amount. 
  • Finance Charge: 3.50% monthly. 
  • Over limit charge: 2.5% against the amount. 

Contact Details:

Citi bank credit card customer care:



Citibank credit card email id:

[email protected] 

Dispute Resolution Process:

If you notice any unauthorized charges on your card or if your card is lost or stolen, you can follow these steps – 

  1. If your card is lost or stolen you should call customer service immediately after you notice it. Ask them to block your card and follow their instruction. 
  2. You can also call customer care for any unauthorized charges. But if you are not satisfied with their service you can contact the head of the customer service here: [email protected]
  3. If you are still not satisfied you can contact the nodal officer. The contact details of the nodal officer are given below:

Call: 1800-266 2400


Mail id: [email protected]

100xGain Ratings:


Final Opinion:

The benefits and privileges offered by Citi Cash Back Credit Card are centered on certain categories. Except that this card offers some useful features like EMI facility, Instant loan, etc. So if you are thinking you can earn big benefits from this card, you will be disappointed. But for a beginner, this card can be a good choice

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