How To Get A Citi Cash Back Card

It may sound like a dream, but these days you can spend money and get money back with cards like the Citi Cash Back Card. If you get a cash back card, it means you can finally spend money on things you want and also get rewarded for spending it. These days there is a ton of competition in the credit card market, and companies are doing everything they can to win you over.

With the Citi Cash Back Card, you get cash back rewards on transactions as well as extra cash back when you use the card for certain things. They provide you with a list of the things you can earn extra cash back and some of those things include movie tickets, scheduled bills as well as cell phone payments. Of course, before you decide to shop around for a new card, you should determine what your financial goals are.

If you need a card due to financial difficulties, then it is best to first look at things like interest rate and late payments. Our editors have done some research into the Citi Cash back Card and come up with information you need to know. Read everything below before you decide whether or not this card is right for you.

What Are The Features Of The Citibank Cash Back Card?

Citi Cash Back Credit Card comes with amazing features like a lot of cash back. You can get 0.5% cash back when you spend on anything using your Citibank card. That’s not all! You can even avail 5% cash back on telephone bills, movie ticket purchases, and other utility bills.

You might be wondering how exactly you get that cash back. It will be automatically credited to your statement in the multiples of INR 500! If that is not enough, know that this cash back will never expire! You can use them to even pay your credit card bill!

Nothing is better than saving a humongous amount of money in the first year of using the card! When you choose Citi Cash back Credit Card, you will save up to INR 3,300 and more!

What Are The Benefits Of This Cash Back Card?

There are a number of benefits you can reap when you choose Citi Cash back Credit Card. When you make a big purchase with your card, in addition to great cash backs, you can convert the payable amount to EMI and pay in smaller chunks! Moreover, you get a chance to simply tap and pay with the NFC chip embedded in the card.

On the other hand, you can get up to a 20% discount when you dine at the partnered restaurants across India! If you are a shopping fanatic, you can get an EMI option when you shop in over 2,000 partnered stores!

To top it all, you can enjoy more than 26,000 offers on various venues like hotels, spas, entertainment, travel, shopping, golf and so much more when you become Citi Card members in India and 30 other countries.

When things are not going right in your life and you have a shortage of funds, you can simply turn to your Citi Cash back Credit Card and get an instant loan!

What Are The Fees Of This Card? 

Find the clear-cut breakdown of the fees and charges involved when you purchase Citi Cash Back Credit Card.

Fee Amount
Annual Fee INR 500
Extended Credit Charges From 37.20% to 42.00% per year
Charges for lost/ stolen card INR 100
Cheque bounce charge INR 500
Cash Advance Charges 2.5% of the amount/Min. INR 500.
Railway ticket booking surcharge 1.8% of the transaction value
Overlimit Charges 2.5% of the amount over the credit limit (subject to a minimum of INR 500)
Fuel transaction charge 1% of the transaction amount (subject to a minimum of INR 10)

Find the clear-cut breakdown of the fees and charges involved when you purchase Citi Cash Back Credit Card.

Are You Eligible? 

To own a Citi Cash Back Credit Card, you must be an Indian citizen with age above 21 and below 65. You must have a regular source of income and also take care of the fact that you do not have defaulted on payments.

To make sure of the above, the bank will ask you to submit key documents that include your residence proof, identity proof, and income proof. Until and unless you furnish these documents, your application will not be processed.

How to Apply?

If you think you are eligible for the card, simply follow this Citibank link and click on the ‘Begin Application’ button. Next, enter all your details as requested. You will be prompted to choose the type of credit card and answer a couple of questions to see if you are eligible for it.

Once the system has established that you are eligible for the card, you will be asked to fill in additional information and submit the form for processing. A bank representative will call to verify the information furnished. Once they are satisfied, you will receive your card in no time!

How To Contact Citibank

Alternatively, you can choose to apply for the card by walking into the nearest branch of the bank. You can locate the branch near you using their Branch Locator app. Or you can simply give them a call at 1860 210 2484 to learn more.

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.