Citibank India Cashback Credit Card
Citibank India · Cashback · Statement Credit
This comprehensive guide covers the Citibank India Cashback Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Citibank India Cashback Credit Card from Citibank India offers cashback rewards credited directly to your statement at 5% (up to ₹10,000 per cycle). Top earning categories include 5% cash back on groceries and more. Annual fee is ₹500 (waived above inr 50,000 annual spend).
Best for: Grocery, Fuel, General Online, Electronics Accessories
Reward Examples
Spend ₹1,000 on Grocery → earn ₹50 (5%) · 5% cash back on groceries
Spend ₹1,000 on Fuel → earn ₹50 (5%) · 5% cash back on fuel
Spend ₹1,000 on General online → earn ₹10 (1%) · 1% cash back on all other purchases
Official product page → Official rules →
Waiver: Waived above INR 50,000 annual spend
Reward Rules
- 5% 5% cash back on groceries (cap: ₹10,000)
- 5% 5% cash back on fuel (cap: ₹10,000)
- 1% 1% cash back on all other purchases
Important Notes
- 5% grocery capped at INR 25,000 per year then 1%
- 5% fuel capped at INR 25,000 per year then 1%
- No foreign transaction fees
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Citibank India Cashback Credit Card vs Similar Cards
- Airtel Axis — 25% top rate · ₹500
- Amazon Pay ICICI — 5% top rate · ₹0
- AU Bank LIT Credit Card — 5% top rate · ₹499
Maximize Your Rewards
To earn the highest rewards, use the Citibank India Cashback Credit Card for its bonus categories: Grocery, Fuel, General Online, Electronics Accessories, Travel.