Citi Cash Back VISA Credit Card
Citi Bank
Last updated: Feb 03, 2026
₹500
₹0
3.5%
No lounge access
Contents
Citi Cash Back VISA is a simple, low-fee cashback card for everyday spends and bill payments. It offers higher cashback on select bill categories (movies, telephone and utility bill payments) and automatic cashback crediting, making it easy for users who prefer direct savings over points. The card suits customers who want straightforward cashback, low maintenance cost and global acceptance on the Visa network.
Features of Citi Cash Back VISA Credit Card which makes it unique
Instant Cashback Auto-credit
Cashback is credited directly to the card account instead of points
Immediate, easy-to-understand savings
Simpler than points-based cards
Low Annual Maintenance
Modest yearly fee compared with mid-tier cards
Good value for budget-conscious users
Cheaper than many premium reward cards
Rewards Structure of Citi Cash Back VISA Credit Card
Telephone & Utility Bill Payments
acceleratedBill payments via Citi bill pay / registered channels
Base
baseAll Spends
Fees & Charges of Citi Cash Back VISA Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹500 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Standard renewal; any promotional waiver will be communicated by bank.
Fee Explanation Standard bank fees apply. Exact charges (including GST) follow the issuer's Fees & Charges schedule.
Detailed Explanation of Citi Cash Back VISA Credit Card Fees
Annual Fee: 500 (yearly)
Standard annual fee; GST as applicable.
Cash Advance Fee: 2.5% (transaction)
Minimum charge as per bank T&C.
Foreign Currency Markup: 3.5% (transaction)
Conversion markup on forex transactions.
Additional Features of Citi Cash Back VISA Credit Card
Contactless Payments
Tap-and-pay enabled for small transactions
Add-on Cards
Add-on cards available as per bank policy
Welcome Bonus with Citi Cash Back VISA Credit Card
Welcome Bonus: NA
Bonus Conditions: N/A
Application Process for Citi Cash Back VISA Credit Card
Processing Time
5-10 business days (subject to KYC/verification).
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online through Citi / partner portal or visit a branch (if available).
Complete e-KYC and upload required documents.
Receive verification call / email.
Card issued and dispatched post-approval (typically within 5-10 business days).
Required Documents for Citi Cash Back VISA Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Citi Cash Back VISA Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India via Visa network
International Acceptance
Accepted globally on Visa terminals
Online Acceptance
Yes — for e-commerce and bill payments
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Citi Cash Back VISA Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹20,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar; KYC and address proof required.
How Approval Is Decided
- Minimum monthly income (salaried) ~₹20,000 or as per bank's assessment.
- Indian resident with valid KYC documents.
- Credit score typically 700+ improves approval chances.
Pros of Citi Cash Back VISA Credit Card
- Simple cashback structure (5% and 0.5%)
- Low annual fee
- Automatic cashback crediting — no redemption hassle
Cons of Citi Cash Back VISA Credit Card
- Accelerated cashback categories have monthly caps
- Limited premium privileges (no lounge access, limited travel benefits)
Frequently Asked Questions about Citi Cash Back VISA Credit Card
What is the annual fee for the Citi Cash Back VISA card?
The standard annual fee is ₹500 (plus GST where applicable). Check your offer letter for any promotional waivers.
How does the 5% cashback work?
Select categories such as movie tickets and eligible telephone/utility bill payments earn an accelerated 5% cashback subject to monthly caps and partner terms.
Is there a welcome bonus for this card?
No introductory welcome bonus currently — the card focuses on automatic cashback on eligible spends.
How and when is cashback credited?
Cashback is automatically credited to your card account (usually in the next billing cycle) per the bank's cashback posting cycle and T&Cs.
What is the foreign currency (forex) markup?
A foreign currency conversion markup of around 3.5% applies on forex transactions; check the bank's fees schedule for exact charges.
Can I get add-on cards?
Yes — add-on cards are available subject to bank policy and KYC.
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