Citi Bank Cashback Credit Card: Benefits & Apply

Summary

Citi Bank Cashback Credit Card is for people who spend money on things like utility bill payments, movies, and others. The card offers cashback at the rate of 5% on payments made on utility bills, telephone bills, and movie tickets. This would be preferred for frequent users. For all other transactions, users earn 0.5% cashback, ensuring they get rewarded for every purchase.

One of its biggest advantages has been the availability of an automated cashback credit feature, with the cash thus earned being immediately adjusted in one’s next statement without any lengthy redemption process at one’s beck and call; it is utterly hassle-free when it comes to saving money.

More flexibility is also introduced through EMI options by Citi Bank so that users may convert high-value purchases into easy monthly installments to help better manage finances. It is supported by strong fraud protection and security features to provide safe transactions.

Introduction

If you use a credit card and want to save on every purchase, then the Cashback Credit Card can prove to be a great option for you. Through the Citi Bank Credit Card, you can get the benefit of cashback on your everyday expenses. Citi Bank has specially designed Cashback Credit Card for those customers who want to save on their purchases, whether it is online shopping, bill payment, or enjoying a meal in a restaurant.

Citi Bank Cashback Credit Card is a credit card that allows you to get cashback on everyday expenses. Through the Cashback Credit Card, you can earn direct cashback on your daily life expenses like shopping, gas station, online bill payment, and other transactions. Cashback Credit Card is especially beneficial for those who use credit cards regularly and want to save some money on their expenses.

The biggest advantage of the Cashback Credit Card is that every time you use it for any purchase, you get some percentage cashback on that expenditure. That is, the more you spend, the more you will save. The special thing is that you do not need to redeem any type of points for cashback, rather it is directly added to your credit card statement, which reduces your credit card bill amount.

In today’s article, we will discuss in detail about Citi Cashback Credit Card. In which we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of Cashback Credit Card and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not have any problems later.

What is the Citi Bank Cashback Credit Card?

Credit Card is a credit card that offers you cashback on every purchase or transaction. This means that whenever you make a purchase, pay a bill, or make other expenses using a Cashback Credit Card, you get a certain percentage of the amount back.

Citi Bank Credit Card is specially designed for those customers who want to make extra savings from their daily expenses. The biggest advantage of the Cashback Credit Card is that every time you use it, whether it is online shopping, eating in a restaurant, or paying mobile and electricity bills, you get a certain percentage back in the form of cashback.

How is the Citi Bank Cashback Credit Card designed?

The Credit Card is specifically meant to save users money on everyday spending. The card provides cashback on utilities, movie tickets, and dining. Cashback is automatically added to the card account, thus hassle-free.

It offers a very simple fee plan and has a security feature of fraud protection. Best suited for people who spend frequently on essential expenses and want a reward in return.

What are the benefits of the Citi Bank Cashback Credit Card?

Here are the primary advantages of actual cashback rewards:

1. 5% Cashback on Utility Bill Payments & Telephone Bills

• Pay electricity, water, gas, or phone bills online and get ₹5 cashback for every ₹100 spent.

2. 5% Cashback on Movie Tickets

• Book movie tickets online and earn ₹5 cashback for every ₹100 spent.

3. 0.5% Cashback on Other Spends

• Get ₹0.50 cashback for every ₹100 spent on all other purchases.

4. Auto Cashback Credit

• The cashback you earn is settled directly in the next month with your statement balance, so nothing needs to be manually redeemed at our end for that.

5. Contactless & Secure Payments

• Tap for transactions below ₹5,000 without entering PIN.

6. Flexible Payment Options

• Take big purchases easy with EMIs and manage spending easily.

What are the fees for the Citi Bank Cashback Credit Card?

Here is a simple Credit Card fee breakup.

Joining Fee	₹499 + GST (one-time fee when you get the card).
Annual Fee	₹499 = GST per year. This will be waived if you spend 50,000 or more in a year.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	3.5% per month (42% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Citi Bank Cashback Credit Card?

The following are the primary requirements:

1. To apply for the Citi Bank Cashback Credit Card, you must be between 18 and 70 years old.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for Citi Bank to favor borrowers with a better credit score usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get a Citi Bank Cashback Credit Card?

The documents that you will have to submit to get a Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons
Income Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Citi Bank Cashback Credit Card be used?

Here is the list of places where you can use it:

• With the Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Cashback Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Cashback Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Citi Bank Cashback Credit Card?

The credit amount you can spend is what you are provided with a Cashback Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for a Citi Bank Cashback Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Citi Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Citi Bank; for instance, you can choose the Citi Bank Cashback Credit Card.

• Just hover your cursor on the Citi Bank Cashback Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Citi Bank branch to apply for the Citi Bank Credit Card.

• Request for the credit card application form for the Citi Bank Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Citi Bank Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Citi Bank Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Citi Bank Cashback Credit Card in 2025 be right?

Yes, getting a Citi Bank Cashback Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Citi Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Credit Card is a credit card that makes your expenses easy and provides benefits in cash back on all transactions. Cashback Credit Card is particularly beneficial for people who want to save on daily purchases and bill payments. Whether you shop online, pay for gas stations, or pay mobile and electricity bills, you will get cash back every time while use the Citi Bank Credit Card, which saves you money day by day.

Besides this, there are no hidden charges from the Cashback Credit Card; hence, using it is made even easier. With a fuel surcharge waiver and comprehensive security features, the Citi Bank Credit Card will protect your expenses and make you feel secure because it covers not only your expenses but also your mind. Moreover, some offers and discounts offered by the bank are tied up with the Cashback Credit Card, making a more rewarding shopping experience.

Overall, if you want a credit card that will help you spend as well as save, then the Citi Bank Credit Card may prove to be a good option. The Citi Bank Cashback Credit Card not only makes financial management easy but also lets you save on every expense. If you are looking to spend your daily amount in the most efficient way possible, then the Cashback Credit Card could be the best option for you.

Frequently Asked Questions (FAQ’s)