Citi Cash Back credit card is one of the amazing credit cards that can help you to save money with each transaction you do with your card. If you are a social and outgoing individual living in India, then you can save money with your expenses such as bill payments and movie tickets. However, it will be worth to note that it is one of the most challenging cards to get in India. If you have a poor credit history, then it is highly possible that your application will be rejected. The application process is also quite challenging and confusing for many users.
Advantages of Citi Cash Back Card
Cashback on Movie Expenses
You can get %5 cashback whenever you make your expenses with your credit card in partner movies and theatres in India.
Cashback on Telephone Bills
You can also get 5% cashback for the bills you will pay with your Citi Cash Back credit card. All GSM and local service providers are included in the campaign.
Cashback on Utility Bills
You can also get 5% cashback for all kinds of utility bills such as electricity, water, and natural gas.
Save Up to 3600 Rupees Per Year
In addition to the above-mentioned cash backs, you will also receive 0.5% cashback for your other spending. You can receive 300 Rupees cashback per month.
Disadvantages of Citi Cash Back Card
Although the annual fee is relatively cheaper than most of the credit cards in India, Citi Cash Back credit card charges 500 Rupees as an annual fee.
You will not be able to benefit from lounge services in your domestic and international flights in India.
No Annual Waiver
You have no chance to get rid of the annual fee no matter how much you will spend with your card.
Citi Cash Back Credit Card FAQs
Indeed. Citi Cash Back credit card offers up to 15% discounts on partner restaurants available in India. Although the partner restaurant network is limited, there are still many well-known brands.
The card is one of the most challenging cards in terms of issuance. Unfortunately, your application will be rejected in case you have a poor credit history. According to statics, 80% of the application is rejected. Moreover, the application process and forms are regarded as confusing and challenging by many people.