Citi Cash Back Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Receive a 0.5% cashback on every purchase you make. Earn a 5% cashback when you pay your telephone bill or purchase movie tickets. The 5% cashback for utility bill payments can only be obtained through Citibank Online Bill Pay. Cashback earned will be automatically applied to your card's statement balance, in increments of Rs. 500. Enjoy discounts of up to 20% on dining bills at select restaurants. The 1% fuel surcharge will be waived for fuel transactions at fuel stations in India.

The Citi Cash Back Credit Card is a suitable choice for avid shoppers looking to maximize their rewards.

With a joining fee of Rs. 500 + GST and a renewal fee of Rs. 500 + GST, this card offers great value for shopping enthusiasts.

In terms of rewards, the Citi Cash Back Credit Card offers Reward Points as its reward type.

Users can enjoy a range of benefits, such as receiving 20% off on dining bills at partner restaurants for movie dining.

Additionally, cardholders can earn 5% cashback on utility bills, movie tickets, and telephone bills related to shopping.

For all other categories, there is a cashback rate of 0.5%.

The credit card does not offer any specific welcome benefits, but its attractive cashback and discounts on dining bills make up for it.

When it comes to travel benefits, the Citi Cash Back Credit Card does not provide any particular advantages for domestic or international lounges, golf, or insurance benefits.

For those concerned about fees, this card has a rewards redemption fee of Nil, allowing users to redeem their rewards without any additional charges.

However, there is a foreign currency markup fee of 3.5% on transactions made in foreign currency.

In terms of interest rates, the Citi Cash Back Credit Card charges 3.75% per month, which is in line with industry standards.

Additionally, fuel surcharge fees are waived off by 1% at authorized IndianOil Corporation outlets.

Cash advances are also available with this card, with a fee of 2.5% of the withdrawn amount or Rs. 500, whichever is higher.

Overall, the Citi Cash Back Credit Card is a value-driven option for individuals who frequently engage in shopping activities.

With its cashback benefits and dining discounts, it offers tangible advantages for those who enjoy dining out and making utility bill payments.

However, it may not be the best choice for those seeking travel benefits or insurance coverage.