Citibank Cash Back Credit Card Review

Cashback is the best form of benefit because unlike reward points or gift vouchers, you neither need to redeem them nor pay any redemption fee. So, if you are interested in earning cashback then you should take a look at the citibank cash back credit card. This is actually a notch upgrade from the Citi Rewards credit card. It offers 0.5% cash back on every transaction apart from that this card also packs quite attractive features for dining and shopping. More about the citi cash back credit card benefits are discussed below. 

What are the citibank credit card eligibility criteria?

• Resident Type: Indian. 
• Citibank credit card eligibility for salaried person:
  • Age: 23 – 60 yrs. 
  • Income: Rs. 25,000 monthly. 
• Citibank credit card eligibility for self-employed person:
  • Age: 23 – 60 yrs. 
  • Income: Rs. 25,000 monthly.
• What credit score do you need for a Citi Cash card: A CIBIL score of 750 or more is needed to get a higher credit score on this citibank cashback credit card. 

You can apply for this citi cash back credit card from the Citi credit card online application portal, once your application is submitted successfully, you can track the status of your application from the citi bank credit card tracking page. 

What documents are required for a citi bank credit card application?

• 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 (Income Tax Return)
  • Self-employed person
    • Income tax return of the last year 
    • Proof of business
    • Audited financials.

As per the new RBI regulations, all new citi cash back credit cards are delivered in an inactive state, and to start using these cards, you need to activate them manually by generating a new credit card PIN. You can get help on the citi card activation process from the 100xGain faq page. 

How much are the citibank credit card fees?

• Citibank credit card joining fee: Rs. 500 + GST
• Citi cash back card annual fee: Rs. 500 + GST

What are the citibank cash back credit card benefits?

• Exclusive Citi credit card cashback offer that will make your every transaction rewarding:

With your citi cash back credit card, you can earn cashback from your purchases.

Category of transaction	Cashback amount
Movie ticket booking	5% cashback
All other transactions made using this card	0.5% cash back

The Citi credit card cashback amount will be credited to your account automatically, as soon as the total cashback amount reaches Rs. 500. These Cash-Backs never expire so you can redeem them whenever you want. The cashback you earn in a citibank credit card billing cycle will be reflected in your monthly citi bank credit card statement .

• Enjoy a premium dining experience with attractive benefits:

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

• Easy bill splitting:

With this citibank cashback credit card you can convert your high-value transactions into small monthly installments. This feature is very helpful for frequent shoppers.

• Get an instant loan against your credit limit:

With this citi bank cash back credit card, you can get an instant against your credit limit which will surely help you in time of emergency. You can also pay back your loan on citi credit card in monthly installments.

• An advanced contactless payment option:

This Citi cashback credit card is enabled with an advanced payments option, for which you no need to swipe your card to make payments, you can pay with your citi cashback card with just a wave at any secure reader machine. You can pay a maximum of Rs. 2000 with this method. 

• Cutting edge security:

Your citibank cashback card comes with a built-in EMV chip, which is specially designed for convenience and also adds an extra layer of security to your transaction. So with this citi bank credit card you can use it without any worry. 

• Instant citibank credit card bill payment multiple options:

You can pay your citi bank credit card bill online using your citi netbanking account or by using any citibank credit card payment app like Cred, Google Pay, Paytm, Phone pe, etc. But if you don’t have access to the above-stated citi card online bill payment option, you can pay your credit card bills offline. More about this is discussed on our faq page.  

• Global acceptance:

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

What are the citi cash back credit card charges?

Particulars	Payable amount
Citibank credit card cash withdrawal charges	2.5% against the withdrawal amount (applicable once per withdrawal, you should also check your available citibank credit card limit before making a withdrawal)
Citi cash back credit card finance charge	3.50% monthly (applicable if the citibank credit card outstanding amount is not cleared in time)
Citi cash back credit card international transaction charges	3.5% against the transaction amount (applicable once per withdrawal)
Citibank cashback credit card add-on card fee	None (for up to 5 cards)

How to contact the citibank credit card customer service department?

• Call the citibank credit card customer number : 1860-210-2484 or 022-4955-2484
• Write to the citibank credit card customer care mail id: customercare@citi.com 

100xGain Ratings:

6.5/10

Pros and cons of the citi® cash back credit card:

Pros	Cons
Low joining and annual fee. This citi cash back credit card features an attractive cashback scheme.	There are not much shopping offers on this citibank cash back card. This cashback card does not have anything in the entertainment category.

Final Opinion:

The benefits and privileges offered by the Citi cashback credit card are centered on certain categories. Besides that, this citibank cash back credit card offers some useful features like a low-cost EMI facility, Instant loan, etc. But if you are thinking you can earn big benefits from this card, you will be disappointed. So, if you are new in the credit card market, then you can get this citi visa platinum cashback card to gain some knowledge. Due to the recent CitiBank sellout, you may not be able to apply for this card from the next quarter. So, if you are looking for some similar cards, then make sure to take a look at the alternative options given below.

Alternative cards of Citi cash back credit card: 

1. American express membership rewards® credit card (Best for reward points and dining benefits)
2. BOI rupay platinum credit card (Best for offering cash backs)
3. OBC mastercard gold credit card (Best for offering cashback)
4. Yes prosperity cashback credit card (Best for offering cash backs)