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Citi Cash Back Credit Card

Citibank’s Citi Cashback Credit Card is designed to offer cardholders attractive cashback benefits. When you use this credit card, you’ll enjoy a guaranteed cashback rate of 0.5% on your spending. Moreover, it provides accelerated cashback rewards at 5% for expenses like movie ticket bookings, telephone bill payments, and utility bill payments. Beyond these benefits, the card also unlocks savings in other areas, including up to a 20% discount on dining, up to 10% off on flight bookings through MakeMyTrip, and exclusive discounts on hotel bookings, among others.

Key Highlights of Citi Cash Back Credit Card

  1. Cashback Rewards: This card provides cashback on various spending categories, such as dining, groceries, and utility bill payments, allowing cardholders to earn cash rewards for their everyday expenses.
  2. Welcome Offers: Often, new cardholders are eligible for welcome bonuses or promotional cashback offers when they meet the spending requirements within a specified time frame after card activation.
  3. Fuel Benefits: Many Citi Cash Back Credit Cards offer fuel surcharge waivers at select petrol pumps, providing additional savings for cardholders when refueling their vehicles.
  4. Easy Redemption: Earning cashback is straightforward, and the redemption process is typically user-friendly, allowing cardholders to easily convert their cashback earnings into statement credits or vouchers for future purchases.
  5. Additional Perks: Depending on the specific card variant, there may be additional benefits such as dining discounts, movie ticket offers, or access to airport lounges, enhancing the overall cardholder experience.
  6. No Annual Fee: Some versions of this card may come with no annual fee, making it more cost-effective for cardholders.
  7. Online Account Management: Cardholders can conveniently manage their account online, monitor transactions, and pay bills through the Citibank online portal or mobile app.
  8. Global Acceptance: Citi Cash Back Credit Cards are generally accepted worldwide, allowing cardholders to use them for international transactions and while traveling.
  9. Interest-Free Period: Cardholders often enjoy an interest-free period on retail transactions, giving them time to pay off their balances without incurring interest charges.
  10. Customer Support: Citibank typically offers customer support services to assist cardholders with any inquiries, account management, or assistance in case of lost or stolen cards.

Features and Benefits of Citi Cash Back Credit Card

  1. Cashback Tiers: The credit card offers cashback across various shopping categories, including international spend (3% cashback), grocery spend (2% cashback), and other spend (1% cashback).
  2. No Cashback Caps: There are no limits on the cashback you can earn, providing cardholders the freedom to use their card without restrictions.
  3. No Minimum Spend: There is no requirement for a minimum spending amount to avail of the cashback benefits. Regardless of the amount spent, cardholders can enjoy cashback.
  4. Automatic Cashback: Cashback is credited automatically, eliminating the need for a redemption process. The benefit is applied as per the terms and conditions.
  5. No Spend Categories Excluded: Cashback rewards are available across all spending categories, ensuring cardholders reap maximum benefits.
  6. Complimentary Airport Lounges: Cardholders gain access to over 1,000 airport lounges globally, offering relaxation and comfort to both primary and supplementary card members.
  7. Travel Inconvenience Insurance: The card provides compensation for various travel-related risks such as flight delays, interruptions, and luggage delays.
  8. Supplementary Cards: Primary cardmembers can request unlimited supplementary cards for eligible family members at no extra cost, with the option to set spending limits on each supplementary card.
  9. Contactless Technology: The MasterCard Cashback credit card features contactless technology, ensuring smoother and faster transactions.
  10. Bill Payment Convenience: Cardholders can conveniently pay their credit card bills through Citibank’s online platform, especially if they hold an account with Citibank UAE, simplifying the payment process.

Citi Cash Back Credit Card Fees and Charges

  1. Spend Based Waiver: Not Applicable
  2. Rewards Redemption Fee: None
  3. Foreign Currency Markup: 3.5% of the transaction amount
  4. Interest Rates: 3.75% per month
  5. Fuel Surcharge: 1% fuel surcharge waived at authorized IndianOil Corporation outlets
  6. Cash Advance Charges: 2.5% of the cash withdrawn, or Rs. 500, whichever is higher
  7. Add-on Card Fee: None

Eligibility criteria for the Citi Cash Back Credit Card

To be eligible for a Citibank Credit Card, you must meet the following criteria:

1. Age Requirement:

  • To participate, you must be at least 18 years old.

2. Citizenship:

  • You must be an Indian citizen.

3. Creditworthiness:

  • You should have a good credit history and a satisfactory credit score.

4. Income Stability:

  • It’s crucial to ensure you have a reliable stream of income.

Documents Required for Citi Cash Back Credit Card

1. Proof of Identity:

  • PAN Card
  • Aadhaar Card
  • Voter’s ID Card
  • Passport
  • Driving Licence

2. Proof of Address:

  • Aadhaar Card
  • Passport
  • Recent utility bills, dated within the last three months, are required.
  • Any other government-approved ID

3. Proof of Income:

  • Bank statement for the last 3 months
  • Salary slips for the last 3 months
  • Audited financials for the last two years (for self-employed)
  • Form 16

How to apply for Citi Cash Back Credit Card

1. Visit the Citi Bank Website: Go to the Citi Bank website.

2. Access Credit Cards: Click on the “Credit Cards” tab.

3. Choose Cashback Card: Select the ‘Cashback Card’ option.

4. Log In or Register:

  • If you are an existing Citi Bank customer, log in to your account and complete the credit card application form.
  • If you are not a Citi Bank customer, click “No” when prompted and follow the provided instructions to fill out the application form on the Axis Bank website.

5. Submit Your Application: After filling out the application form, submit it.

6. Processing:

  • Your application will be processed by either Citi Bank or Axis Bank, depending on whether you are an existing customer or not.
  • These steps will guide you through the application process for the Citi Bank Cashback Card.

Frequently Asked Questions (FAQs)

1. What is the Citi Cash Back Credit Card?

The Citi Cash Back Credit Card is a credit card offered by Citibank that provides cash back rewards on various spending categories. It allows cardholders to earn cash back on their everyday purchases.

2. How does the cash back feature work?

Cardholders earn cash back on eligible purchases made with the Citi Cash Back Credit Card. The cash back is credited to the cardholder’s account and can be redeemed or used to offset future transactions.

3. What are the key benefits of the Citi Cash Back Credit Card?

The card offers cash back on categories such as dining, groceries, fuel, and more. It may also come with additional perks such as discounts, promotions, and access to exclusive events.

4. What are the eligible spending categories for cash back rewards?

The specific spending categories may vary, but common ones include dining, groceries, fuel, and utility bills. It’s important to check the terms and conditions provided by Citibank for the most up-to-date information.

5. How can I redeem my cash back rewards?

Cash back rewards can usually be redeemed through the credit card’s online portal or mobile app. Redemption options may include statement credits, gift cards, or merchandise. Check the Citibank website or contact customer service for detailed redemption instructions.

6. Is there an annual fee for the Citi Cash Back Credit Card?

Annual fees can vary, and some credit cards may have no annual fee. Check the terms and conditions or contact Citibank customer service for information on any applicable annual fees for the Citi Cash Back Credit Card.

7. What is the interest rate for the Citi Cash Back Credit Card?

The interest rate, also known as the Annual Percentage Rate (APR), can vary based on factors such as creditworthiness. Refer to the terms and conditions or contact Citibank directly for information on the current interest rates.

8. Are there any introductory offers for new cardholders?

Citibank may offer special promotions or bonuses for new cardholders, such as bonus cash back or a 0% introductory APR. Check the latest offers on the Citibank website or contact customer service for details.

9. How can I apply for the Citi Cash Back Credit Card?

Applications for the Citi Cash Back Credit Card can typically be submitted online through the official Citibank website. You may also apply in person at a Citibank branch.

10. How can I contact Citibank customer service for inquiries or assistance?
Citibank provides customer service through phone, email, and online chat. Contact information is usually available on the official website and on the back of the credit card.