Citi Cash Back Credit Card (India): The Complete Review [2019]

Everybody loves cashback. I use this card exclusively for utility bill payments where I get 5% cashback. You also get 5% cashback against movie ticket purchases. This is great because there is no intermediary Rewards points which you need to burn in order to realize the earnings.

Fees

• Joining fee – NIL.

• Annual fee – Rs. 500 (but you can try to get it for free specially if you hold a salary a/c with Citibank).

Features & Benefits

Welcome Benefits

Use my referral link to apply online and get Rs. 1,000 cashback. You need to spend only Rs. 5,000 within 60 days of card activation.

Cashback

• You can get 5% cashback on movie ticket bookings.

• You also get 5% cashback for utility payments through Citi Billpay.

• 5% cashback in each category (Telephone, Movies, Utility) is capped at Rs.100 per month.

• Get 0.5% cashback for all other spends.

• Cashback is automatically credited to a/c once it reaches Rs.500 and further on multiples of Rs.500.

Shopping Benefits

Citi Cashback card holders are entitled to receive various discounts and offers in various stores which are partnered with the bank.

Dining Benefits

You can receive a discount of 15% on close to 2000 restaurants that Citibank has partnered with.

Pro-Tips

• Apply online and be eligible for Rs. 1,000 cashback.

• Save up to 15% at restaurants which have partnered with the credit card.

• Look for exclusive deals on travel tickets, movies and dinning.

Bottom Line

This is a beginner level card and ideal for the people who wish to earn cashback on the financial transactions they make with a credit card. For each of your spend depending upon the category, you earn a certain amount of money as cashback. Being a Citi card holder, you also get lot of exciting deals across various categories which make the card worth having. If you are interested, follow the link below to apply.

---

Are you using Citi Cash Back Credit Card? Feel free to share your experiences in the comments below.