moolahgeeks is no longer being updated. Our recommendations may be outdated and should not be relied upon. Learn more
| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | 0.8% | 1.2% | 1.1% | 0.8% | 0.7% |
| Est. Monthly Reward (₹) | 40 | 120 | 235 | 435 | 710 |
| All-India Rewards Rank* | 42 | 32 | 52 | 153 | 185 |
| Within Bank Rank* | 2 | 1 | 3 | 4 | 5 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. | |||||
The Citi Cash Back Credit Card gives 5% cashback on movies, telecom and utility bill payments. All other spending earns 0.5% cashback. You can earn a net reward yield of 0.8-1.2% on all your spend with this card.
The Cash Back is the best credit card from Citibank if you spend less than ₹50,000 a month on your card.
Go for the Citi PremierMiles Credit Card if you spend more than ₹50,000 a month. The PremierMiles gives you a net reward yield of 1.5-1.9% on your total spending.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | |
|---|---|
| Card Type | Cashback |
| Cashback Features | 5% Cashback on: – Telephone – Utility Bill Payments – Movie tickets 0.5% Cashback for all other spends |
| Milestone Rewards | Nil |
| Other Rewards | – 10% discount on MakeMyTrip
– 15% cashback on duty-free stores |
| Rewards Redemption Fee | ₹99 |
| Cashback Caps | ₹100 p.m. on movie tickets, bill payments and telephone bills |
| Preferred Redemption Method | Cashback against statement balance in multiples of ₹500 |
| Card | ||
|---|---|---|
| Joining Fee | ₹500 + Taxes | |
| Annual Fee | ₹500 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
Nil | |
| Income Criteria | Salaried | N/A |
| Self-employed | N/A | |
| Supplementary Card Fee | Free | |
| Interest Rate | 45.00% | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | 2.50% with a minimum of ₹300 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
