CITI Cash Back Credit Card

Card Details

5% cashback on movie ticket purchases, capped at Rs.100 per month.
5% cashback on telephone bill payments, capped at Rs. 100 per month.
5% Cashback on all your utility bill and telephone bill payments (combined) made online through Citibank Online Bill Pay, capped at Rs. 100 per month.
0.5% cashback on all purchases done on categories apart from Movies, Telephones and
Utility payments.
Get your cash back conveniently and automatically as a statement credit, redeemable in multiples of Rs.500.
EMI option on shopping bills above Rs.2,500.
Up to 20% savings across 2000 restaurants.

Pros	Cons
Instant Loan Facility Cashback on Purchase	No less than Rs. 500 can be credited as Cash Back. No Annual Fee Waiver No Lounge Access No Welcome Benefits

Annual Fee: Rs. 500
Joining Fee: Rs. 500
Add-on Card fee: Nil
Interest Rate (initial rate at card issuance): 3.25% (monthly) or 39% (annual). The rate of interest varies between 3.10% p.m. (i.e. 37.20% p.a.) and 3.50% p.m. (i.e. 42.0% p.a.). This rate is dynamic and changes periodically based on parameters like repayment pattern, utilization, spending, etc. The maximum interest rate, in the event of default, is 3.5% p.m. or 42% p.a.
Cash Advance fee: 2.5% on the advanced amount, subject to a minimum of Rs.300 and US$7.5 at
International ATMs.
Late Payment Charge: Rs. 100 per month
Overlimit charge 2.5% of the amount over the credit limit, subject to a minimum of Rs.500
Fuel Surcharge: 2.5% waived at Indian Oil outlets for transactions done on Citibank EDCs, subject to a minimum of Rs.10.
Railway Ticket Booking or Cancellation Surcharge: 1.8% of the transaction value for regular transactions and 2.8% of the transaction value for 3 EMI transactions through online booking at irctc.co.in. And, 2.5% of transaction value on bookings through railway counters, subject to a minimum of Rs.25.
Card Replacement fee: Rs. 100
Foreign Currency Transaction: Mark up of 3.5%, plus ST
Grace Period: From the date of purchase to Payment Due Date. If part payment is made, there would be no interest-free period and interest charges would be applicable (including on fresh purchases, if any) via an average daily balance method.