CITI Cash Back Credit Card
  • CITI Cash Back Credit Card 3 / 5.0 from 2 users

CITI Cash Back Credit Card

CITI Cash Back Credit Card
3.5 2 Review

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At a Glance

  • Joining Fee

    Rs 500 /-
  • Annual Fee

    Rs 500 /-
  • Annual Rewards

    Rs 0 /-

Reward Rates

  • 5.00%

    Earn 5% Cashback on movies, utility bills, and telephone bills. Max Rs. 100 a month per category.

  • 0.50%

    Earn 0.50% Cashback on other transactions. Max Rs. 100 a month.

Discount on Dining

Save upto 15% with dining discount at more than 600 partner restaurants across 60 Indian Cities.

Highlights

  • Save 5% with cashback on movie ticket purchases, utility bill payments and telephone bill payments. Earn maximum cashback of Rs. 100 a month under each category.
  • Save 0.50% on any card transaction except fuel purchases. Earn a maximum cashback of Rs. 100 a month.

Features

  • Contactless Payment Feature

    Citi Cashback Credit card comes with Contactless Payment Feature that enables you to pay for card transactions of up to Rs. 2,000 by just waving the card at PoS. Useful only if PoS is contactless payment enabled.

  • Auto Cashback Redemption in Card Account

    Cashback earned on Citi Cashback Credit Card get automatically redeem towards Credit Card Bill

  • EMI Facility on Card

    Convert any purchase of ₹2,500 or more into EMIs.

  • Instant Loan Facility

    Avail Instant Loan on Citi Cashback Credit Card on demand.

  • 1% Fuel Surcharge Waiver

    1% fuel surcharge fuel transactions on each fuel related transaction. Save minimum Rs. 10 per transaction.

S Highlights

  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year
  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year
  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year

Features

  • 1+1 on Movie Tickets Free

    Movie Tickets worth Rs. 6000 every year valid for 2 Tickets in a month

  • 1+1 on Movie Tickets Free

    Movie Tickets worth Rs. 6000 every year valid for 2 Tickets in a month

C Highlights

  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year
  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year
  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year

Features

  • 1+1 on Movie Tickets Free

    Movie Tickets worth Rs. 6000 every year valid for 2 Tickets in a month

  • 1+1 on Movie Tickets Free

    Movie Tickets worth Rs. 6000 every year valid for 2 Tickets in a month

Staff Reviews

Average Cashback Value

Card offers a 5% cashback on movies, utility bills, and telephone bills along with 0.50% on which is pretty average, where the downside being a maximum Rs. 100 cashback under each category which is pretty average.

Average

Variable Interest Rates (APR)

Variable APR ranging between 37.20% to upto 39% (upto 42% in case of default). Overall depends upon how you maintain the card, but still on a higher side.

Good

Reward Redemption

Cashback accumulated on card gets redeemed itself on each statement cycle, and save you from redemption charges.

Very Good
1 4 5
2019-12-28

Carrying the card for more than 2 years now and should mention that it serves good as my secondary card, typically for monthly movies spendings and bill payments. I wish the monthly cap was a bit higher since I can’t earn more than Rs. 300 on cashback savings. Won’t recommend it for a family person due to limited cashback. Furthermore, the dining partners are quite limited and citibank has also decrease the dining discount by 5%.

1 3 5
2019-12-28

Got the card 4 months back, thinking that it would be good for a single person. Though, I'm not satisfied with it since there are limited number of offers and doesn't offer good cashback either. Citibank could at least not set a cap on regular cashback transactions. Also, the fuel surcharge waiver can only be earned at IndianOil while my SBI SimplyClick card offers a much better value on both online and offline purchases. Won't recommend for any regular credit card user.