The Best Cashback Card
Citi Cashback Card
- Joining Fee
- Annual Fee
- Joining Bonus
What we like
- Simple construct, 5% back on movie tickets utility and phone bill payments. 0.5% on everything else
- Cashback credited directly to account in ₹ 500 increments
- Offers some of the discounts from the extensive Citibank stable
What we don't
- Cashback from priority categories capped at ₹ 100 per month
In a tweet
The Citi Cashback card keeps it simple. No points, no redemption from rewards catalogs, just simple cashback on all spend.
More about this card
Just give me (some) money
At 5% of cashback capped at ₹ 100 / month and 0.5% on other spends coming to a whopping ₹ 80 / month, this card is not at risk of making you feel over-rewarded.
However, that it does not encourage mindless splurging is one of its strongest points.
This card is for young professionals just coming to terms with managing their own expenses.
Think of it more as a debit+ card that gives you some liquidity back at the end of each month, and encourages responsible spending by not dangling the allure of a gazillion points on buying things you probably don't need and cannot afford.