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Citi Cash Back Credit Card

ShoppingLifestyleDiningFuel
Welcome offerLifetime free with no annual fee
Annual fee
Lifetime Free
Reward rate
1% cashback on all eligible spends
Credit score
750+
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Free to apply via CardGuruji · subject to issuer approval

Citi Cash Back Credit Card
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Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

1% cashback on all eligible spends

Cashback is credited as Citi Reward Points. 1 point = ₹0.10. No cap on cashback earnings. Points do not expire as long as the card is active.

Reward currency
Cashback
Card network
Visa · Mastercard
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • 1% cashback on all spends

  • No annual fee

  • No foreign transaction fee on international spends

  • Access to Citi Rewards program

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • Lifetime free card

  • No foreign transaction fee

  • Simple 1% cashback on all spends

What to watch out for

  • Low cashback rate compared to premium cards

  • No lounge access

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹0Lifetime free — no renewal charge

Other charges

Applied only when the situation arises

Late payment
₹300 to ₹1,300 based on due amount
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
3.5% per month (42% p.a.)
Balance transfer
3.5% per month
Cash advance
3.5% per month
Eligibility

Will you qualify?

The credit profile this card is typically approved for.

750+out of 900
Good credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of the issuer are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about Citi Cash Back Credit Card

Everything you need to know about Citi Cash Back Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for Citi Cash Back Credit Card is nominal, and the annual renewal fee is Lifetime Free (₹0). Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for Citi Cash Back Credit Card from the issuing bank, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

Citi Cash Back Credit Card is designed to reward everyday spends. It currently features: "Lifetime free with no annual fee". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via the issuing bank's rewards portal.

Citi Cash Back Credit Card does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.

You can apply for Citi Cash Back Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.