Citibank Citi Cash Back Credit Card - Eligibility, How to Apply, Features, Benefits

Citibank Citi Cash Back Credit Card

About Citibank Citi Cash Back Credit Card

Payment of bills has never been so rewarding as it is with Citibank Cash Back credit Card. Now pay all your bills via this credit card and get cash back. Do everything you have done so far but at a cost lower than before. The cardholder enjoys saving and cash rebates with other money savings benefits. It is a contactless card that makes payment an easy task. The card comes with unique safety features that assure the security of the transaction.

Credit Card

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    Professional Details

    Personal Details

    Features of Citibank Citi Cash Back Credit Card

    • For purchases up to INR 2,000 pay without entering the pin at the merchant terminals
    • 5% cashback on all movie ticket purchases, subject to a maximum cap of INR 100 per month
    • 5% cashback on all utility bill payments paid through Citibank online bill pay
    • 5% cashback on all telephone bill payments
    • 0.5% cash back on all other spends
    • Up to 15% savings across participating restaurants
    • Simple redemption policy
    • Get redemption in multiple of INR 500
    • Get your cash back conveniently and automatically as statement credit.
    • Up to 20% savings across participating restaurants.
    • Multiple repayment options.

    Fees & Charges

    • Interest Rate – 3.75% per month (45% Annualized)
    • Joining Fee – As per bank’s norm
    • Annual Fee – INR 500
    • Cash Advance fee – 2.5% of the advance amount
    • Late Payment Charges – INR 600 for current balance up to INR 2000-7500, INR 950 for current balance from INR 7501-15,000, INR 1300 for current balance above INR 15,000
    • Over Credit Limit charge- 2.5% of the amount over the Credit Limit subject to a minimum of INR 500
    • Cheque/ECS Bounce Charge- INR 500 per returned cheque/ECS
    • Petrol Transaction Charge- 2.5% (minimum INR 10), waived off at Indian Oil outlets for transactions done on Citibank EDCs
    • Railway Ticket Booking or Cancellation Surcharge (Counter booking) – 2.5% of the transaction value
    • Railway Ticket Booking Surcharge (Internet booking) – 1.8% of the transaction value for regular transactions; 2.8% of transaction value for 3 EMI transactions
    • Card Replacement Charge – INR 100
    • Statement Request – INR 100 beyond 3 months
    • Outstation Cheque Charge (Charge based on the value of the cheque/instrument) – Up to INR 10,000 – INR 50 per cheque; INR 10001 to INR 100000 – INR 100 per cheque; Above INR 100001 – INR 150 per cheque
    • Cash deposit at Citibank branches towards credit card repayment – INR 250
    • Cash deposit at Citibank ATMs towards credit card repayment – INR 100

    Please check Terms and Conditions

    Eligibility Criteria

    The card is offered to the customers whose profile match the eligibility standards prescribed by the bank. The bank has set the norms according to which the eligibility of the customer is evaluated.

    Documents Required

    • ID Proof- Aadhar Card, Copy of Passport, PAN Card/ UID, Driving License, Voter’s ID Card
    • Income Proof- Salary Certificate, IT Assessment order, Latest Balance Sheet
    • Address Proof- Aadhar Card, Voter ID Card, PAN Card, Utility Bills
    • Coloured Photographs
    • Bank Statement for the last 3 months

    How to Apply for Citibank Citi Cash Back Credit Card?

    All set to apply for a credit card? Go online and do it easily by visiting the website of Citibank. Fill the application form online correctly before submitting it to the bank desk. The bank will then check the details carefully before okaying the application. You can even visit the nearest Citibank branch to apply for a credit card. Get a credit card application form from Citibank, fill the details correctly before submitting it to the branch official. The bank will screen through the details before approving your case. It’s up to you to choose the mode you are comfortable applying by.

    Citibank Citi Cash Back Credit Card Status Online

    The customers who have already applied for the card can check their application status online using the netbanking facility. Just enter the application reference number and mobile number on the portal. The status can also be checked by calling the customer care or by visiting the nearest bank branch. The bank executives will provide the latest update about the application.

    Citibank Citi Cash Back Credit Card Statement

    The Bank sends a monthly statement, showing payments and transactions for the month, provided the card has been active during the said period. The statement is dispatched via post or e-mail to the registered mail address.

    How to Make Citibank Citi Cash Back Credit Card Bill Payment?

    The statement also shows the total due, minimum due and the last date of payment. Paying on time should be your primary concern as late payment leads to charges. It even lowers the credit score if the pattern of late payment is constant. Well, there are both online and offline modes available for credit card payments. If you have Internet banking access of Citibank or any other bank, you can use it to pay your bills. Payment gateways can also be used for the purpose. You can even visit the nearest Citibank branch to pay off the bills.

    Customer Care Number

    To know more about credit cards, it’s features and other important details call the customer care executive on the customer care number. The Citiphone helpline number is active 24×7. Call on 18004191050 to resolve all your queries.

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