← Part of Citi Credit Cards in India
The Citi Cash Back Credit Card offers 5% cashback on utility bills, telephone bills, and movie ticket purchases, making IT a strong contender for everyday savings. As of 2026, IT provides up to ₹3,600 in first-year savings for users in India, with cashback automatically adjusted against the statement balance.
| Parameter | Details |
|---|---|
| Card Type | Cash Back Credit Card |
| Cashback on Utility & Telephone Bills, Movie Tickets | 5% (capped at ₹100 per category per month) |
| Cashback on All Other Spends | 0.5% |
| Cashback Redemption | Automatic adjustment against statement balance in multiples of ₹500 |
| Fuel Surcharge Waiver | 1% at IndianOil outlets (minimum transaction of ₹500) |
| Dining Benefits | Up to 20% off at participating restaurants; up to 50% discount on Zomato |
| Cashback on Rent Payments | Up to ₹3,000 via RedGirraffe |
| Savings on MakeMyTrip | Up to 10% |
| Cashback on Duty-Free Stores | Up to 15% |
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Payment Due Dates | 17 to 23 days from billing date |
| Cash Advance Fee | 2.50% of advanced amount (minimum ₹500) |
| Cash Advance Interest Rate | 3.25% per month (39% annually) |
| Forex Fee | 3.75% on international transactions |
| Estimated First-Year Savings | ₹3,600 |
This card is ideal for individuals seeking consistent savings on common household expenses and dining, with its structured cashback program and partner benefits.
Cashback Offers & Benefits on Spends
The Citi Cash Back Credit Card offers 5% cashback on specific categories like telephone and utility bill payments, and movie tickets, with a 0.5% cashback on all other spends. Cashback is automatically adjusted against the statement balance in multiples of ₹500, providing first-year savings up to ₹3,600.
| Type/Category | Cashback/Benefit | Specifics |
|---|---|---|
| Telephone & Utility Bill Payments, Movie Tickets | 5% Cashback | Applicable through Citibank Online Bill Pay for utility bills; automatically adjusted against statement balance in multiples of ₹500. Monthly cashback limit of ₹100 per category. |
| All other spends | 0.5% Cashback | Cashback automatically credited to the card’s statement balance in multiples of ₹500. |
| Fuel Transactions | 1% Fuel Surcharge Waiver | Applicable at authorized IndianOil outlets for a minimum transaction of ₹500. |
| Dining | Up to 20% Discount | At participating restaurants. |
| Rent Payments | Up to ₹3,000 Cashback | Through RedGirraffe. |
| Travel Bookings | Up to 10% Savings | On MakeMyTrip. |
| Duty-Free Stores | Up to 15% Cashback | On purchases. |
| Zomato | Up to 50% Discount | On orders. |
| First Year Savings | Savings worth ₹3,600 | Through various cashback offers. |
| Welcome Bonus (First Year) | Savings worth ₹3,300 | Through various cashback offers. |
The card focuses on everyday spending, offering significant savings on services and entertainment, making IT suitable for users prioritizing cashback on routine expenses.
Fees, Charges & Interest Rates 2026
The Citi Cash Back Credit Card carries a joining fee of ₹500 and an annual renewal fee of ₹500, both subject to GST. Interest rates on outstanding balances can be as high as 3.75% per month, or 45% annually, as of 2026.
| Metric | Value (INR) | Details |
|---|---|---|
| Joining Fee | ₹500 | For Citi Cash Back Credit Card (+GST) |
| Annual Fee | ₹500 | For Citi Cash Back Credit Card (+GST, every subsequent year) |
| Monthly Interest Rate | 3.75% | On outstanding balances for Citi Cash Back Credit Card |
| Annual Interest Rate | 45.00% | On outstanding balances for Citi Cash Back Credit Card |
| Cash Withdrawal Fee | 2.50% on advanced amount | Subject to a minimum of ₹500 per transaction |
| Cash Withdrawal Interest Rate (Monthly) | 3.25% | On advanced cash amount for Citi Cash Back Credit Card |
| Cash Withdrawal Interest Rate (Annual) | 39% | On advanced cash amount for Citi Cash Back Credit Card |
| Foreign Currency Mark-up Fee | 3.75% | On all international transactions for Citi Cash Back Credit Card |
| IndianOil CITI Bank Credit Card Joining Fee | ₹0 | Specific to IndianOil CITI Bank Credit Card |
| IndianOil CITI Bank Credit Card Annual Fee | ₹1,000 | Waived off on spending ₹30,000 in a year |
| First Citizen Citi Credit Card Joining Fee | ₹500 | Specific to First Citizen Citi Credit Card (+GST) |
| First Citizen Citi Credit Card Annual Fee | ₹0 | Waived off on annual spends of ₹30,000 or more |
| CITI Bank IKEA Family Credit Card | Lifetime Free | No joining or annual fees |
The specific fees and interest rates can vary across different Citi credit card products, with some cards offering zero annual fees based on spending thresholds.
Eligibility Criteria & Application Process
The Citi Cash Back Credit Card is no longer accepting new applications as of February 2024, following Citibank’s retail banking exit in India. For existing cardholders, eligibility criteria generally required applicants to be Indian citizens aged 18 years or older with a good credit score.
- Age Requirement: Applicants needed to be at least 18 years old to be eligible for the Citi Cash Back Credit Card.
- Citizenship: Indian citizenship was a mandatory requirement for all applicants.
- Credit Score: A strong credit score was for approval, indicating a healthy financial history.
- PAN Card: All adult applicants were required to possess a valid Permanent Account Number (PAN) card.
- Application Status (2026): As of 2026, new applications for the Citi Cash Back Credit Card are not being accepted.
- Card Activation: If an existing card was not activated by the cardholder within 30 days of its issuance, IT could be deactivated.
Existing Citi Cash Back Credit Card holders should consult official Citibank India channels for any updates regarding their card services and potential migration to Axis Bank.
Citi Cash Back Card Vs. Alternatives
The Citi Cash Back Credit Card, while popular for its 5% cashback on specific categories, is no longer accepting new applications as of February 2024. Indian consumers now consider alternatives like Axis Bank’s cashback cards, which absorbed Citi’s portfolio, and other options like the AU Bank Altura Card for similar benefits.
| Feature | Citi Cash Back Card (Legacy) | Axis Cashback Credit Card (Post-Migration) | AU Bank Altura Card |
|---|---|---|---|
| New Applications | Not accepted (as of Feb 2024) | Accepted | Accepted |
| Cashback on specific categories | 5% on telephone & utility bill payments, movie tickets | Highest cashback of 5% on utility bill payments, movies, and telephone bills (based on former Citi variant) | Cashback on groceries and utility bill payments |
| Cashback on all other spends | 0.5% cashback | Not specified (post-migration, verify with Axis Bank) | Not specified (verify with AU Bank) |
| Annual Fee | ₹500 | Not specified (post-migration, verify with Axis Bank) | Not specified (verify with AU Bank) |
| Fuel Surcharge Waiver | 1% reversal at authorized IndianOil outlets | Similar cashback percentage on fuel savings as Citi variant, plus additional benefits (verify with Axis Bank) | Not specified (verify with AU Bank) |
| Dining Benefits | Up to 20% off at participating restaurants, up to 50% discount on Zomato | Dining discounts (post-migration, verify with Axis Bank) | Not specified (verify with AU Bank) |
| Other Benefits | Up to 15% cashback on duty-free, up to ₹3,000 on RedGirraffe rent payments, up to 10% on MakeMyTrip | Lounge access (post-migration, verify with Axis Bank) | Railway lounge benefits, complimentary lost card liability, free insurance, extended warranty |
While the Citi Cash Back Card offered strong category-specific cashback, its discontinuation means consumers must evaluate current market offerings, with Axis Bank now serving many former Citi cardholders.
Important Terms & Conditions
The Citi Cash Back Credit Card is no longer accepting new applications as of February 2024, following Citibank’s retail banking exit in India. Existing cardholders continue to receive benefits, with automatic cashback adjustments made in multiples of ₹500 against the statement balance.
Card activation requires OTP-based consent, and cards not activated within 30 days of issuance may be deactivated.
- Card Migration: Existing Citi credit cards are being replaced by Axis Bank variants, with seven new card variants introduced by Axis Bank as of July 2024.
- Cashback Redemption: Cashback earned is automatically credited to the card’s statement balance in multiples of ₹500.
- Billing Cycle: Payment due dates for Citi credit cards typically range from 17 to 23 days after the billing date.
- Cash Withdrawal: Cash withdrawals incur a fee of 2.50% of the advanced amount, subject to a minimum of ₹500, with an interest rate of 3.25% monthly (39% annually).
- Forex Mark-up Fee: International transactions on the Citi Cash Back Credit Card are subject to a foreign currency mark-up fee of 3.75%.
These terms ensure continued service for existing cardholders while managing the transition of Citibank’s retail operations in India.
Migration to Axis Bank: What to Expect
Citi’s consumer banking business in India, including its credit card portfolio, was acquired by Axis Bank. This transition means existing Citi Cash Back Credit Card holders will migrate to Axis Bank’s credit card products. Axis Bank introduced seven new card variants in July 2024 to replace nine Citibank credit cards.
Current Citi Cash Back Credit Card holders will receive communication from Axis Bank regarding the migration process and new card offerings. The migration involves a consent-based process, with cards not activated within 30 days of issuance potentially remaining inactive. Cardholders should review the terms of their new Axis Bank card carefully, including fees and benefits.
Axis Bank aims to provide a seamless transition, maintaining similar benefits where possible. For instance, the new cards may offer comparable cashback rates on utility bills, movies, and other spends. Cardholders should monitor their registered email and postal address for official notifications from Axis Bank regarding their account migration.
Official Resources & Support
For inquiries about the Citi Cash Back Credit Card, cardholders can access support through Citibank India’s official website and dedicated customer service channels. Citibank has maintained a presence in India for over 120 years, offering a broad range of financial products and services.
| Resource | Type | Where to Access |
|---|---|---|
| Citibank India Official Website | Official Bank Website | online.citibank.co.in |
| Citicards Customer Service Phone Number | Customer Support | 1-800-950-5114 |
| Citicards Customer Service Email | Customer Support | customer.help@citi.com |
| CitiBusiness Online Customer Service | Business Customer Support | 1-800-285-1709, option 1 |
| Citibank Online Bill Pay | Utility Bill Payments | online.citibank.co.in (via Bill Pay section) |
| RedGirraffe | Rent Payment Platform | redgirraffe.com (for cashback on rent payments) |
| IndianOil Corporation Outlets | Fuel Surcharge Waiver | Across India (for 1% fuel surcharge waiver) |
| Participating Restaurants | Dining Discounts | Check Citibank offers portal for current list |
| MakeMyTrip | Travel Savings | makemytrip.com (for up to 10% savings) |
| Duty-Free Stores | Shopping Cashback | Select duty-free stores (for up to 15% cashback) |
| RBI Guidelines | Regulatory Information | RBI.org.in (for credit card issuance norms) |
| 1 Finance Product Scoring | Credit Card Ranking | 1finance.co.in (for independent card reviews) |
The Citibank India website provides full details on card features, benefits, and the application process. Cardholders can also contact customer service for specific queries regarding their Citi Cash Back Credit Card.
Key Takeaways
- The Citi Cash Back Credit Card is no longer accepting new applications as of February 2024, with existing cards migrating to Axis Bank.
- Existing cardholders can access support via Citibank India’s official website and customer service numbers like 1-800-950-5114.
- The card offered 5% cashback on specific categories (movies, phone, utility bills) and 0.5% on other spends, with cashback auto-credited in multiples of ₹500.
For existing Citi Cash Back Credit Card holders, verify migration details and new card benefits directly with Axis Bank or Citibank India.
Frequently Asked Questions (FAQs)
What are the different types of Citi credit cards available?
Citi offers various credit cards in India, including cashback cards, travel reward cards, and co-branded cards like the IndianOil Citi Credit Card. These cards cater to diverse spending habits, offering benefits such as reward points, purchase protection, and airport lounge access. Each card is designed with specific perks to match different customer needs.
What are the benefits of using a Citi credit card?
Citi credit cards in India offer benefits such as cashback on specific spending categories, reward points, and fuel surcharge waivers. For example, the Citi Cash Back Credit Card provides 5% cashback on utility bill payments and movie tickets. Cardholders also get dining discounts and purchase protection.
What is the interest rate for Citi Cash Back Credit Card?
As of 2026, the Citi Cash Back Credit Card typically charges an interest rate of 3.25% per month, which translates to an annual rate of 39%. This interest applies to outstanding balances carried forward after the due date and cash advances. Always verify the current rates directly with Citibank.
Do I get a fuel surcharge waiver across all fuel stations in India?
No, the Citi Cash Back Credit Card offers a 1% fuel surcharge waiver specifically at IndianOil Corporation outlets. This waiver applies to transactions meeting a minimum amount, as per Citibank’s terms. IT does not extend to all fuel stations across India.
What is the annual fee for the Citi Cash Back Credit Card in 2026?
The Citi Cash Back Credit Card has an annual renewal fee of ₹500 as of 2026. This fee may be waived if your annual spending on the card meets a specific threshold set by Citibank. Always check the latest fee structure on the official Citibank India website.
What are the cashback rates for the Citi Cash Back Credit Card?
The Citi Cash Back Credit Card offers 5% cashback on utility bill payments and movie ticket purchases made via Citibank Online Bill Pay. For all other eligible spends, cardholders earn 1% cashback. Cashback is automatically adjusted against the statement balance in multiples of ₹500.
What is the eligibility criteria for the Citi Cash Back Credit Card?
To be eligible for the Citi Cash Back Credit Card in India, applicants must be at least 18 years old and an Indian citizen. A strong CIBIL score, typically above 750, and a stable income are also key requirements. Specific income thresholds vary based on Citibank’s internal policies.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.