Citibank Cashback Credit Card Review

By | March 10, 2021

Citibank cashback credit card holds much value then Citibank Reward Credit Card (add link). This is because cashback earned is easy to use and can be redeem in any form, except credit statement.

The cashback provided is 0.5% on any kind of payment. Although, if you hold any kind of credit card like HDFC Regalia or Amex Smart Earn Credit Card then there is less chances of using this card. Because reward on these cards are much exciting then of Citibank Cashback card.

cashback credit card


  • 5% cashback on telephone & utility payment
  • 5% cashback on movie ticket purchases
  • 0.5% cashback on all other purchases
  • Benefits up to Rs.3000 in first year

Reward rate provided is good but as I mentioned earlier any one who already have premium credit card is less likely to use it. Thinking why? This is because most premium cards give movie tickets and sort of voucher as a reward for free.

Then why one would make payment for the same, when he/she is getting a lot in form of vouchers. But here you can make use of this card for bills & utility payment.

citibank cashback credit card

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Additional Privileges

  • Up to Rs.3000 cashback on rent payment
  • Decent cashback on lifestyle & wellness spent
  • Up to 20% savings on paying at partner restaurants
  • Travel & Lifestyle Services

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For Salaried Individual :

  • Proof of Identity
  • Proof of Address
  • Latest two salary slips

For Self employed Individual

  • Proof of Identity
  • Proof of Address
  • Latest year ITR with audited financials and computation of income

This a beginner level card, and this is going to be beneficial for you if you have only this as credit card. The one speciality of cashback card is that you can redeem cashback in any format, anytime, except statement credit. Hence, I found Citibank cashback credit card more better as compared to Citibank reward card.


How to initiate funds transfer with Citi

You can initiate funds transfer online to a person with any bank account in the country, with the click of a button. It’s free, quick and hassle-free. You can login to either Citibank Online or your Citi Mobile app and initiate your transfer via any of the following channels:

  1. UPI
  2. IMPS

How do I block my Citi Card and re-issue a new one?

  • 1: Log in to Citibank Online
  • 2: In the top menu, click on Banking tab
  • 3: Click ‘Report Lost/Stolen card’ and follow the steps outlined on the screen.
  • 4: Choose the card you wish to block, select the reason for blocking and yes for issuing new card and click ‘Next’
  • 5: That’s it, you’re done! Your new Citi Card will be on its way!

How do I apply for a credit card that can be used within India and overseas?

Citibank offers both ‘International’ credit card and ‘Domestic only’ credit card to meet your spend requirements.

‘International’ credit cards can be used in India and abroad. It is, however, not valid for making foreign currency transactions in Nepal and Bhutan. ‘International’ credit cards are available across our product range.

‘Domestic only’ card restricts usage to merchant and online websites registered only in India. For availing ‘Domestic only’ credit card, choose ‘Citibank Rewards Domestic Card’.

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