Last updated: |Data verified from official bank sources
₹500
Annual Fee
0.5%
Reward Rate
N/A
Forex Markup
None
Domestic Lounge
None
Intl Lounge
Best for: Utility bill payers
Things to Watch Out For
- •Citi exited India, cards managed by Axis
Fees & Charges
Joining Fee₹500
Annual Fee₹500
Fee WaiverSpend ₹50K annually
Rewards
TypeCashback
Base Rate0.5%
Effective Return0.5%
Accelerated Categories
Phone bills5% (5%)
Utilities5% (5%)
Lounge Access
DomesticNone
InternationalNone
Eligibility
Minimum Income₹3.0L/year
Now managed by Axis Bank
Available on: Visa, Mastercard
Frequently Asked Questions
What is the annual fee for Citi Cashback?▼
Citi Cashback has an annual fee of ₹500. Spend ₹50K annually
What rewards does Citi Cashback offer?▼
Citi Cashback offers 0.5% on all spends, with an effective value of 0.5%.
Does Citi Cashback have lounge access?▼
Citi Cashback does not include complimentary lounge access.
What is the minimum income required for Citi Cashback?▼
The minimum income requirement for Citi Cashback is ₹3.0 lakhs per annum.
Information sourced from Citibank official website. Last verified: February 2026.
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