I have recently reviewed Citibank Rewards Credit Card which was a beginner card with not that great features and benefits. Now, I am reviewing Citibank Cashback Credit Card and again the cashback rate is not that impressive. I will tell you why the rates are not impressive and also let you know the best cards for the cashback rate.
Let’s check out the features and benefits of Citi Cashback Credit Card.
Joining Fee: Rs. 500
Annual/Renewal Fee: Rs. 500
Apply Online for Citibank Rewards Credit Card and get Rs. 1000 Cashback
Use Coupon Code: CITI1000
In my opinion, Citibank Rewards Credit Card is better than Citi Cashback Card.
However, Let’s have a look at the cashback rates, features or benefits.
You have to only choose the right credit card from Citibank. Read the review, compare them and then apply for the credit card.
Citi Cashback Credit Card Reward Rate:
These are the categories below where you will save 5% cashback;
- 5% Cash Back on movie ticket purchases
- 5% Cash Back on all your telephone bill payments
- 5% Cash Back on all your utility bill payments made online through Citibank Online Bill Pay
- 0.5% Cash Back on all other spends
Special Note: Cashback in the Telephone / Movies / Utility category is capped at Rs.100 per month for each category
Dining Offers: You can save upto 15% on your food and beverages bill. Click here to find your restaurant in your city.
Cashback on movie ticket bookings is capped at only Rs. 100 per month, nowadays Debit Card gives you more benefits than this credit card. You can try Kotak PVR Credit Card or RBL Movies & More Credit Card which gives you 2 free movie tickets every month.
For utility bill payments you check payments website like Paytm or Mobikwik, they will give you more cashback or offers than the Citi Rewards Credit Card. If you like to read the review of another credit card which gives special cashback on bills or fuel, read the review of Standard Chartered Super Value Titanium Credit Card.
The third cashback offer is that you will get 0.5% cashback on all other spends, I again found that the cashback rate is not that great. Let’s say you spent Rs. 1 Lakh in a year via this credit card, the cashback you will receive is only Rs. 500. It is better to have a card that will give you a better reward rates or reward points.
#Tip: If you are going to spend the money for online purchases, then try shopping via Paytm or Mobikwik, they will at-least let you save around Rs. 5,000 – 10,000 for the same value via this card.
It is always better to save something than nothing
– Aman Gupta
Features & Benefits of Citibank Cashback Credit Card:
- CardBaba.in Rating: 3.1/5
- Complimentary Lounge Access: No
- Fuel Surcharge Waiver: No
- Cashback Rate: 0.5% to 5%
- Foreign Exchange Markup: 3.5%
- Dining Offers: Save upto 15%
- Joining Fee: Rs. 500
- Annual Fee: Rs. 500
As I already told, Citibank Rewards Credit Card is better than Citibank Cashback Credit Card. If you do online shopping only, SBI SimplyCLICK Credit Card would be great for you. It lets you get 10X reward points including BookMyShow or some select websites.