Citi Cash Back Credit Card – Benefits, Fees & Eligibility

Citi Custom Cash® Card

Introduction

The Citi Custom Cash® Card is designed for individuals who want to maximize cash back on their everyday spending without an annual fee. It automatically rewards you with 5% cash back on your top eligible spending category each billing cycle, up to $500 spent, and 1% cash back on all other purchases. The card also offers an attractive welcome bonus and introductory APR periods on purchases and balance transfers.

Welcome Benefits

• Earn 200 cash back after spending 1,500 on purchases in the first 6 months of account opening.

Fees

• Joining Fee: No Annual Fee.
• Renewal Fee: No Annual Fee.
• Interest Rates:
  • 0% intro APR for 15 months on purchases from the date of account opening.
  • 0% intro APR for 15 months on balance transfers from the date of account opening.
  • After the introductory periods, the variable APR will be 17.99% - 27.99%, based on your creditworthiness.

Rewards

• Earn 5% cash back on your top eligible spending category each billing cycle, up to $500 spent.
• Earn an additional 4% cash back on hotels, car rentals, and attractions booked with Citi Travel. (This means a total of 5% cash back on these categories if the 1% base rate applies.)

Important Product Details

• Cash Back: 5% cash back on your top eligible category (up to $500 spent per billing cycle) and 1% on all other purchases.
• Welcome Offer: 200 cash back after spending 1,500 on purchases in the first 6 months.
• Annual Fee: No Annual Fee.
• Introductory APR: 0% intro APR for 15 months on both purchases and balance transfers.
• Citi Travel Bonus: Earn an additional 4% cash back on hotels, car rentals, and attractions booked via Citi Travel.
• Application Process: Get a response in under a minute.

Citi Double Cash® Card

Introduction

The Citi Double Cash® Card is a straightforward cash back credit card that allows cardholders to earn a total of 2% cash back on every purchase, with no caps or annual fee. This includes 1% cash back when you buy and an additional 1% cash back as you pay for those purchases. It also provides a welcome bonus and extended introductory APR periods for both purchases and balance transfers.

Welcome Benefits

• Earn 200 cash back after spending 1,500 on purchases in the first 6 months of account opening.

Fees

• Joining Fee: No Annual Fee.
• Renewal Fee: No Annual Fee.
• Interest Rates:
  • 0% intro APR for 15 months on purchases from the date of account opening.
  • 0% intro APR for 18 months on balance transfers from the date of account opening.
  • After the introductory periods, the variable APR will be 17.99% - 27.99%, based on your creditworthiness.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.

Rewards

• Earn 2% cash back on purchases: 1% when you buy and 1% as you pay on every purchase.
• Earn a total of 5% cash back on hotels, car rentals, and attractions booked with Citi Travel.
• No caps on cash back earnings.

Important Product Details

• Cash Back: Earn 2% cash back on every purchase (1% when you buy + 1% as you pay).
• Welcome Offer: 200 cash back after spending 1,500 on purchases in the first 6 months.
• Annual Fee: No Annual Fee.
• Introductory APR: 0% intro APR for 15 months on purchases and 0% intro APR for 18 months on balance transfers.
• Citi Travel Bonus: Total of 5% cash back on hotels, car rentals, and attractions booked via Citi Travel.
• Application Process: Get a response in under a minute.

Costco Anywhere Visa® Card by Citi

Introduction

The Costco Anywhere Visa® Card by Citi is designed for Costco members looking to maximize cash back on a variety of spending categories, including gas, dining, travel, and purchases at Costco itself. This card offers enhanced rewards on common expenses and does not charge an annual fee with a paid Costco Membership, along with no foreign transaction fees.

Fees

• Joining Fee: No Annual Fee with paid Costco Membership.
• Renewal Fee: No Annual Fee with paid Costco Membership.
• Foreign Currency Markup: No foreign transaction fees.

Rewards

• Gas & EV Charging: Earn 5% cash back on Costco gas and 4% on other eligible gas and EV charging, on a combined $7,000 spend per year, then 1% thereafter.
• Restaurants & Travel: Earn 3% on restaurants and eligible travel, including Costco Travel.
• Costco & Costco.com: Earn 2% on all other purchases from Costco and Costco.com.
• Other Purchases: Earn 1% on all other purchases.
• No limit on cash back earned.

Important Product Details

• Cash Back Categories:
  • 5% on Costco gas, 4% on other eligible gas & EV charging (up to $7,000 combined annual spend, then 1%).
  • 3% on restaurants and eligible travel (including Costco Travel).
  • 2% on other Costco and Costco.com purchases.
  • 1% on all other purchases.
• Annual Fee: No Annual Fee with paid Costco Membership.
• Foreign Transaction Fees: No foreign transaction fees.
• Cash Back Limit: No limit on cash back.
• Application Process: Get a response in under a minute.

Other Details

• Membership Requirement: Requires an active Costco membership to apply and maintain the card's benefits. Option available to "Join to apply".

Costco Anywhere Visa® Business Card by Citi

Introduction

The Costco Anywhere Visa® Business Card by Citi is the exclusive business credit card for Costco Members, offering robust cash back rewards tailored for business expenses. It provides strong earning rates on gas, dining, travel, and purchases at Costco and Costco.com, along with benefits like travel and emergency assistance, all with no annual fee with a paid Costco Membership.

Fees

• Joining Fee: No Annual Fee with paid Costco Membership.
• Renewal Fee: No Annual Fee with paid Costco Membership.
• Foreign Currency Markup: No foreign transaction fees.

Rewards

• Gas & EV Charging: Earn 5% cash back on Costco gas and 4% on other eligible gas and EV charging, on a combined $7,000 spend per year, then 1% thereafter.
• Restaurants & Travel: Earn 3% on restaurants and eligible travel, including Costco Travel.
• Costco & Costco.com: Earn 2% on all other purchases from Costco and Costco.com.
• Other Purchases: Earn 1% on all other purchases.
• Authorized Users: Add authorized users and earn cash back on their purchases.
• Assistance: Receive travel and emergency assistance.
• No limit on cash back earned.

Important Product Details

• Business Card: Specifically designed for Costco Members to power their small business.
• Cash Back Categories:
  • 5% on Costco gas, 4% on other eligible gas & EV charging (up to $7,000 combined annual spend, then 1%).
  • 3% on restaurants and eligible travel (including Costco Travel).
  • 2% on other Costco and Costco.com purchases.
  • 1% on all other purchases.
• Annual Fee: No Annual Fee with paid Costco Membership.
• Foreign Transaction Fees: No foreign transaction fees.
• Additional Benefits: Travel and emergency assistance, ability to add authorized users.
• Cash Back Limit: No limit on cash back.
• Application Process: Get a response in under a minute.

Other Details

• Membership Requirement: Requires an active Costco membership to apply and maintain the card's benefits. Option available to "Join to apply".

Citi Cash Back Credit Card

Introduction

The Citi Cash Back Credit Card by Citibank is an entry-level offering focused on providing exciting cashback deals. Cardholders receive an assured 0.5% cashback on all expenditures and an accelerated 5% cashback on specific categories such as movie tickets, telephone bill payments, and utility bill payments. The card also features discounts on dining, travel bookings, and duty-free shopping, with a streamlined process for cashback redemption.

Welcome Benefits

• No specific welcome benefits are mentioned.

Fees

• Joining Fee: Rs. 500 + GST.
• Renewal Fee: Rs. 500 + GST (charged annually).
• Rewards Redemption Fee: Nil.
• Foreign Currency Markup: 3.5% of the transaction amount for all international transactions.
• Interest Rates: 3.75% per month.
• Fuel Surcharge: 1% fuel surcharge waiver at authorized IndianOil Corporation outlets for a minimum transaction of Rs. 10.
• Cash Advance Charges: 2.5% of the cash withdrawn or Rs. 500, whichever is higher.
• Spend-Based Waiver: No specific spend-based waiver mentioned for the annual fee.

Rewards

• Accelerated Cashback (5%):
  • Movie ticket bookings (maximum Rs. 100 per month).
  • Utility bill payments (applicable only through Citibank Online Bill Pay, maximum Rs. 100 per month).
  • Telephone bill payments (using Citibank online or Citibank online bill payment facility, maximum Rs. 100 per month).
• General Cashback (0.5%):
  • On all other spends with the credit card.
• Dining Benefits:
  • 20% discount on dining bills at participating restaurants.
  • Up to 30% cashback on spends on Zomato and Swiggy.
• Travel Benefits:
  • Up to 10% savings on MakeMyTrip flight bookings.
  • Exclusive discount offers on hotel bookings.
• Other Benefits:
  • Up to Rs. 3,000 cashback on rent payments through RedGirraffe.
  • Up to 15% cashback on duty-free stores.

Rewards Redemption Guide

• The cashback earned is automatically adjusted every month against the card’s statement balance.
• Cashback can only be adjusted in multiples of Rs. 500.
• If the earned cashback is more than Rs. 500 but less than Rs. 1,000, only Rs. 500 will be adjusted in that billing cycle, and the remaining amount will be carried forward to the next billing cycle.

Card Eligibility Criteria

• Eligibility Rules:
  • Applicant must be between 23 years and 60 years of age.
  • Applicant should be either salaried or self-employed with a decent credit score.
• Documents Required:
  • Identity proof: Aadhaar Card, Passport, Driving License, any valid government-issued ID, Voter’s ID.
  • Address proof: Aadhaar Card, Passport, Driving License, any valid government-issued ID, Voter’s ID.
  • Proof of income: Latest audited ITR (for self-employed individuals) and latest salary slips (for salaried individuals).

Card Review

• Overall Verdict: The Citi Cash Back Credit Card is a suitable option for individuals seeking an affordable credit card that provides both general cashback and accelerated cashback on common spending categories.
• Pros:
  • Cashback on all spending, including accelerated rates on movies, utility, and telephone bills.
  • Significant discounts and cashback offers on dining (up to 20% off at partner restaurants, up to 30% cashback on Zomato/Swiggy).
  • Travel savings (up to 10% on MakeMyTrip).
  • 1% fuel surcharge waiver at IndianOil Corporation outlets.
  • Hassle-free automatic cashback redemption.
• Cons:
  • Cashback for accelerated categories (movies, utility, telephone bills) is capped at Rs. 100 per month per category.
  • A joining and renewal fee of Rs. 500 + GST applies.
• Value: This card offers good value for users who frequently spend on movies, pay utility/telephone bills online, and dine out, allowing for considerable savings.

Important Product Details

• Cash Back: 0.5% on all spends; 5% on movie ticket bookings, telephone bill payments, and utility bill payments (via Citibank Online Bill Pay).
• Cashback Caps: 5% cashback categories are capped at Rs. 100 per month per category.
• Fees: Rs. 500 + GST joining and renewal fee.
• Interest Rate: 3.75% per month.
• Forex Fee: 3.5% of transaction amount.
• Fuel Benefit: 1% fuel surcharge waiver at IndianOil Corporation outlets.
• Dining Discounts: Up to 20% off at partner restaurants, up to 30% cashback on Zomato and Swiggy.
• Travel & Other Discounts: Up to 10% on MakeMyTrip, up to 15% cashback on duty-free stores, up to Rs. 3,000 cashback on RedGirraffe rent payments.
• Redemption: Automatic adjustment of cashback against statement balance in multiples of Rs. 500.

Other Details

• Best Suited For: Shopping.
• Reward Type: Cashback.
• Application Methods:
  • Online: Apply through the official Citi Bank website by selecting the card and filling out the application form with required details and documents.
  • Offline: Visit the nearest Citi Bank branch to fill out an application form and submit documents.
• Application Status Tracking:
  • Visit Citibank’s application tracking page.
  • Contact Citibank Credit Card customer care via CitiPhone at 1860 210 2484 (24x7 helpline).
  • Inquire at your nearest Citi Bank branch.
• Last Updated: 5 April, 2025.