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The Best Cashback Card

Citi Cashback Card
citi-cashback-card
  • Joining Fee
  • ₹500
  • Annual Fee
  • ₹500
  • Joining Bonus
  • NA
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.

Citi Cashback savings

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.