Citi 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 cash backs 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% cashback on every transaction apart from that this card also packs quite attractive features on dining and shopping. To find more details about this card, check the details given below.

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.
  • A good CIBIL score (750 or more) is needed to get a higher credit score on this citibank cashback credit card. 

You can apply for this 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 Citibank credit card tracking page

Documents For Citibank 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 bank 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 or you can directly visit their website. 

Citibank Credit Card Fees:

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

Citibank Cashback 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 cash backs from your purchases.

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

 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.

  •  Split your high-value transactions into small installments:

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

  • Get an instant loan against your credit limit:

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

  • 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 payment, 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.

  • Get more security with the built-in EMV chip:

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. 

  • Convenient citi card credit card payment options:

You can pay your citi bank credit card bill online using your citi bank credit card net banking account or by using any credit card payment option. But if you don’t have access to the above-stated citi card online bill payment option, you can pay your credit card bills via NEFT, cheque, or from your nearby ATM. 

  • Accepted anywhere in the world:

This citi cash back 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. 

Citibank 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)
Finance Charge 3.50% monthly (applicable if the Citibank credit card outstanding amount is not cleared in time)
Foreign currency conversion charge 3.5% against the transaction amount (applicable once per withdrawal)
Citibank cashback credit card add-on card fee None (for up to 5 cards)

Citibank Credit Card Customer Service Contact Details:

  • 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 Citi Cash Back Credit Card:

Pros  Cons
  • Low joining and annual fee.
  • You can earn a good amount of cashback from this card
  • There are not many offers in the shopping category.
  • Nothing is offered in the entertainment categories.

Final Opinion:

The benefits and privileges offered by the Citi cashback credit card are centered on certain categories. Except that, this citibank cash back credit card offers some useful features like 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, otherwise, I would suggest you take a look at our top 10 credit card pages. You can also compare the alternative card option given below.

Alternative Cards: 

  1. aAmerican 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 Cash-Back Credit Card (Best for offering cash backs)

 

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