Citi Cashback Credit Card 2025
5% Movies
5% Utility Bills
Lifetime Free
0.5% All Spends
Save over ₹8,000+ every year with 5% movies + 5% bills + NO FEES!
Best cashback card! Citi Cashback gives 5% cashback on movie tickets, 5% on utility bills, 0.5% on all spends, and lifetime free (₹500 fee waived).
Perfect for movie lovers & bill payers!
Why Choose Citi Cashback in 2025?
5% movies • 5% bills • 0.5% everywhere • Fee waived • Direct cashback
Best for: Movie buffs, households, bill payments
Card At a Glance
Joining Fee
₹500 (Waived)
₹500 (Waived)
Annual Fee
₹500 (Waived)
₹500 (Waived)
Cashback Rate
5% Movies | 5% Bills
5% Movies | 5% Bills
Lounge Access
None
None
Forex Markup
3.5%
3.5%
Cashback
Direct Credit
Direct Credit
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹500 (Waived on spends) |
| Annual Fee | ₹500 (Waived on ₹30K spends) |
| Cashback | Direct statement credit |
| Forex Markup | 3.5% + GST |
| Interest Rate | 3.75% per month |
| Fuel Surcharge Waiver | None |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 5% cashback on movie tickets (BookMyShow, etc.)
- 5% cashback on utility bill payments
- 0.5% cashback on all other spends
- No cap on cashback
- Auto credited when ₹500 accumulated
Airport Lounge Access
No complimentary lounge access
Insurance & Protection Benefits
- ₹25 Lakh air accident cover
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5% on movies & bills | No lounge access |
| Fee easily waived | 3.5% forex markup |
| Direct cashback | No fuel waiver |
| No cashback cap | Basic card |
| Easy approval |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹3 Lakh
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar only
How to Apply Online (3-Minute Process)
- Visit Citi Bank website/app
- Select Cashback → Apply
- Fill basic details
- Video KYC (1 minute)
- Card delivered in 7 days
Final Verdict – Should You Get It in 2025?
Best cashback for movies & bills! 5% movies + 5% bills + lifetime free = ₹8,000+ value. Perfect for entertainment!
Frequently Asked Questions (FAQs)
5% on all movie tickets?
Yes! BookMyShow, PVR, INOX, etc.
5% on utility bills?
Yes! Electricity, water, gas, telecom.
Fee waived?
Yes! ₹500 fee waived on ₹30K spends.
Direct cashback?
Yes! Auto credited to statement.
Easy to get?
Yes! ₹3L income + good credit score.