Citi Cash Back Card Rewards and Perks Compared

The Citi Cash Back Card has several rewards and perks that make it a popular choice among cardholders.

You can earn 2% cash back on purchases in your top eligible category each month, such as gas or groceries.

Citi Double Cash Card offers 2% cash back on all purchases, with 1% cash back when you buy and 1% cash back when you pay.

The Citi Cash Back Card also has no rotating categories or spending limits, making it easy to earn rewards.

This card has a 0% intro APR for 15 months on balance transfers, which can help you save money on interest.

The Citi Cash Back Card offers a range of rewards and benefits that make it a great choice for those looking to earn cash back on their purchases.

You can earn 5% cash back on your top eligible spend category up to $500 spent each billing cycle, and 5% cash back on hotels and car rentals booked on the Citi Travel portal through June 30, 2026.

The card also provides cash back on various categories such as restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.

Here are some specific cash back rates and categories:

Additionally, you can earn rewards through the Citi Cash Back Credit Card's dining benefits, which include a 20% discount on dining bills across participating restaurants and up to 30% cash back on spends on Zomato and Swiggy.

The Citi Cashback Credit Card offers a range of features and benefits that make it an attractive option for those looking to earn rewards on their purchases. One of the standout benefits is the ability to earn cash back on certain categories, such as restaurants, gas stations, and grocery stores, with a 5% cash back rate up to $500 spent each billing cycle.

The card also offers additional cash back on hotels and car rentals booked through the Citi Travel portal. This can be a great way to earn rewards on travel-related expenses, which can add up quickly.

The Citi Cashback Card provides exciting saving deals to the customer on all their spends that they make using this credit card. Other than its cashback benefits, the card has a few more exclusive features & benefits.

Here are some of the key features and benefits of the Citi Cashback Credit Card:

The Citi Cashback Credit Card also offers a cashback of 5% on movie ticket bookings, subject to a maximum of Rs. 100 in a given month, and a cashback of 5% on utility bill payments using the Citibank bill payments facility and via Citibank online.

In addition to these benefits, the card also offers a cashback of 0.5% on all other purchases, making it a great option for those who want to earn rewards on a wide range of expenses.

With Citi, you can enjoy free access to your FICO score at any time. This feature has no impact on your score.

Your FICO score is updated monthly and can be easily found on the Citi Mobile App and Citi Online.

Viewing your FICO score is a great way to stay on top of your credit health and make informed decisions about your finances.

To be eligible for the Citi Cash Back Card, you must be between 23 and 60 years old. You'll also need to have a decent credit score, which is usually achieved by being salaried or self-employed.

The application process is relatively straightforward. You can apply online, but first, make sure you have all the required information, including your full name, email address, residential address, and phone number. You'll also need your date of birth, Social Security number, and total annual income.

If you're applying for a business credit card, you'll need additional information such as your legal business name, years in business, annual business revenue, and federal tax ID.

To track the status of your application, you can visit Citibank's application tracking page, contact their customer care at 1860 210 2484, or visit your nearest Citi Bank branch.

To be eligible for a Citi Cash Back Card, you need to meet certain criteria. The applicant should be between 23 years to 60 years old.

You'll also need to be either salaried or self-employed and have a decent credit score. This ensures that you can manage the card's expenses and make timely payments.

To give you an idea of what's involved, here's a quick rundown of the eligibility criteria:

Keep in mind that having a decent credit score is essential for getting approved for a Citi Cash Back Card.

To check the status of your Citi Cash Back Card application, you can visit Citibank's application tracking page and get an update within seconds. This is a quick and easy way to find out where your application stands.

You can also contact Citibank's Credit Card customer care at their 24×7 customer care helpline CitiPhone at 1860 210 2484. This will connect you to a representative who can provide you with the latest information on your application.

Alternatively, you can visit your nearest Citi Bank branch and ask the bank executives about the status of your credit card application. They will be able to look up your application and provide you with an update.

The Citi Cash Back Card comes with a joining and renewal fee of Rs. 500 plus applicable taxes, charged once every year. This fee can add up over time, so it's essential to factor it into your budget.

You'll also be charged an interest rate of 3.75% per month on your outstanding balance. This means that if you don't pay off your entire balance each month, you'll be charged interest on the remaining amount.

Here are the fees and charges associated with the Citi Cash Back Card:

Additionally, you'll be charged a 3.75% forex fee on all international transactions, and a 2.5% cash withdrawal fee or Rs. 500, whichever is higher, on cash withdrawals.

The fees and charges associated with the Citibank Cash Back Card can add up quickly, so it's essential to understand what you're getting into. The joining and renewal fee is a straightforward Rs. 500 plus applicable taxes, charged once every year.

You'll also be hit with an interest rate of 3.75% per month on this credit card, which can be a significant chunk of change if you're not paying off your balance in full each month. This interest rate can quickly add up, so make sure you're paying off your balance regularly.

Cash withdrawals come with a fee of 2.5% of the amount transacted or Rs. 500, whichever is higher. This can be a substantial fee, especially if you're withdrawing large amounts of cash.

International transactions also come with a forex fee of 3.75% of the transacted amount. This can be a significant fee, especially if you're traveling abroad and making frequent transactions.

Here are the fees and charges associated with the Citibank Cash Back Card at a glance:

The "$0 Intro Annual Fee" is a great perk for those who want to save some money on their credit card. You won't have to pay an annual fee for the first year, which can be a nice break.

This fee waiver is a common practice among credit cards, and it's a great way to try out a card without committing to an annual fee right away.

Some credit cards also offer additional benefits, such as the ability to earn miles or points without any limits.

These benefits can be especially useful for frequent travelers, who can earn rewards and enjoy perks like first checked bag free on domestic itineraries.

Here are some specific benefits you can expect from credit cards with a "$0 Intro Annual Fee":

The Citi Cash Back Card's rewards program is designed to give you cash back on your purchases, and it's quite flexible.

You can earn 5% cash back on your top eligible spend category each billing cycle, up to $500 spent. This means that if you spend the most money in restaurants, you'll earn 5% cash back on those purchases up to $500.

Eligible categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.

Here's a breakdown of the eligible categories and their corresponding cash back rates:

If you earn cash back in excess of $500 in a single billing cycle, the excess amount will be carried forward to the next billing cycle.

You can redeem your cash back rewards in multiples of Rs. 500, which is automatically credited to your account each month.