This Article was fact checked and last updated for accuracy on December 3, 2024 by Mani Karthik
Hey there! Mani here.
After spending years juggling different credit cards, I’ve got to tell you – the Citibank Cashback Credit Card has been one of my favorites.
Let me break down everything you need to know about this card, from its juicy cashback offers to those hidden fees you should watch out for!
💡 Quick Tip: Set a monthly calendar reminder to check your cashback balance. Trust me, those rewards can add up faster than you think!
Citibank Cashback Credit Card Benefits and Features
The credit card landscape in India is competitive, with various banks offering attractive rewards.
The Citibank Cashback Card stands out with its combination of cashback rewards, dining benefits, and easy redemption process.
Let’s dive into what makes this card special.
| Cashback Type | Percentage | Monthly Cap |
|---|---|---|
| Select Categories | 5% | ₹100 per category |
| All Other Purchases | 0.5% | No limit |
Citibank Credit Card Cashback Rewards Program India
As someone who’s been using this card for years, let me tell you exactly how the rewards program works.
You’ll earn 5% cashback on utility bills, movie tickets, and phone bills, plus 0.5% on everything else.
It’s straightforward but there are some tricks to maximize your rewards.
💡 Pro Tip: Schedule your utility bill payments at the start of the month to ensure you hit the category maximum!
Citibank Credit Card Restaurant Discounts and Dining Offers
If you’re a foodie like me, this section will make you smile!
The dining benefits are where this card really shines in the Indian market. You get:
- 20% instant discount at partner restaurants
- Up to 30% cashback on Zomato and Swiggy orders
- Special deals during festivals and holidays
Citibank Cashback Credit Card Foreign Transaction Fees
Here’s something you really need to know about – especially if you’re an NRI or frequent traveler.
The card charges a 3.5% foreign transaction fee, which can add up quickly.
💡 Inside Scoop: For international purchases, I use a different card with lower forex fees. Save this one for your India expenses!
Citibank Credit Card Loyalty Program and Rewards Structure
The loyalty program is tiered, which means more benefits as you spend more:
- Silver Tier: Basic benefits
- Gold Tier: 10% higher cashback rates (₹3L annual spend)
- Platinum Tier: 20% higher rates + priority service (₹6L annual spend)
How to Redeem Citibank Credit Card Cashback Points
The redemption process is actually pretty straightforward. Here are your options:
Automatic Redemption
- Kicks in when you hit ₹500
- No action needed from your side
Manual Redemption via App
- Open Citi Mobile app
- Go to Rewards Dashboard
- Choose “Cash Rebate”
Citibank Credit Card Seasonal Offers and Promotions
Throughout the year, especially during Indian festivals, the card offers special promotions:
- Diwali shopping deals
- Christmas dining offers
- Summer vacation specials
- New Year bonus points
Citibank Cashback Card Minimum Credit Score Requirements
An important aspect that many reviews don’t mention – you’ll typically need:
- Credit score above 750
- Minimum monthly income of ₹25,000
- Clean credit history
FAQs About Citibank Cashback Credit Card
- “What’s the annual fee for Citibank Cashback Credit Card?”
First year is ₹500, often waived on spending ₹30,000 in 90 days. - “How to apply for Citibank Cashback Credit Card online?”
Visit Citibank’s website or use their mobile app. Keep your income documents handy! - “What is the credit limit on Citibank Cashback Card?”
Typically 3-4 times your monthly income, subject to credit score. - “How to increase credit limit on Citibank Cashback Card?”
Maintain good payment history for 6 months and request through the app. - “Is Citibank Cashback Card good for international transactions?”
Not the best choice due to 3.5% forex markup fee.
Conclusion: Is Citibank Cashback Credit Card Worth It?
After using this card for years, here’s my honest take: It’s excellent for dining and everyday spending in India, but not ideal for international purchases.
The cashback program is straightforward, though those category caps might feel restrictive if you’re a big spender.
💡 Final Tip: Pair this with another card that offers better rewards on your highest spending categories. That’s what I do!
Sources: Information compiled from Citibank India, CardExpert, and personal experience using the card.
Disclaimer: Card features and benefits are subject to change. Always check the latest terms and conditions on Citibank’s official website.
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