Citibank Cashback Credit Card offers a wide array of mind-blowing benefits and rewards such as Buy One Get One movie tickets, dining discounts, travel rewards etc. In case the applicant applies for Citibank Cashback Credit Card Online, they can get rewarded up to AED 1,500 in case they fulfil the minimum spending requirements. The cardholder can spend it as per their preference.
Citibank Cashback Credit Card spoils its cardholders for choices. True to its name, the credit card offers the highest cashback across a wide range of categories so that the cardholder can enjoy maximum benefits offered by the card.
Features and Benefits of Citi Cashback Credit Card
Here are the features and benefits of Citi Cashback Credit Card:
- Cashback- The credit card offers unlimited cashback across the wide range of shopping categories offered by a wide range of partner brands. On international spend, it offers 3 percent cash back, on grocery spend, it offers 2 percent cash back and on other spend, it offers 1 percent cash back.
- No Caps- When it comes to earning cash back, the card doesn’t come with any cap. It gives the cardholder the much-needed liberty and freedom to use their card as per their choice,
- No Minimum Spend- There are no hard and fast rules regarding minimum spend. It means the cardholder doesn’t have to spend a specific amount of money using the credit card in order to avail the offered benefits. Regardless of how much they spend, they can avail the cashback benefit.
- No Redemption Process- Since the cashback is rewarded on an automatic basis, there is no redemption process to avail the credit card benefits. Upon spending the money using the Citi Cashback Credit Card, the cardholder doesn’t have to do anything to avail the cashback benefit. As per applicable terms and conditions, the benefit gets credited automatically.
- No Categories Excluded- There are no spend categories excluded. It means the cardholder can avail the maximum cashback benefit.
- Complimentary Airport Lounges- The cardholder can avail access to more than 1,000 airport lounges across the globe on a complimentary basis. With the help of this feature, they can unwind and relax. Please Note- The benefit is available for primary card member as well as supplementary card members.
- Travel Inconvenience Insurance- Since travel exposes the individuals to various risks be it flight delay, flight interruption, delay of checked-in luggage, Mastercard will provide the compensation in case of any covered eventuality.
- Supplementary Cards- The primary cardmember can opt for unlimited supplementary cards for their eligible family members. The primary cardmember can opt for supplementary cards without paying any additional charges. In addition to that, they can select a spending limit on each supplementary.
- Contactless Technology The MasterCard Cashback credit card is loaded with contactless technology. The technology makes the transactions smoother and faster.
- Bill Payment Thanks to technological advancement, the cardholders can pay their credit card bill in the most comfortable way ever. In case the cardholder holds an account with the Citi bank, they can log on to the official website of Citibank UAE and pay their credit card using their Internet Banking account.
Rewards and Offers
- Dining Discount - The cardholder can indulge in delicious meals at more than 500 restaurants and eateries and avail up to 20 percent discount under Citibank’s dining program- Gourmet Pleasures.
- Maximum Savings- With the help of the card, the cardholder can save more than AED 5,000 on an annual basis.
- Fee Free- As per applicable terms and conditions, the card doesn’t come with membership fees.
Eligibility Criteria Citibank Cashback Credit Card
Here are the eligibility criteria for applying for Citibank Cashback Credit Card:
- Annual Membership Charges- In case the card member spends below AED 9,000 on an annual basis, the membership fees will be waived off. In case they don’t, the annual membership fees of AED 300 will be charged.
- Monthly Minimum Income- The card member needs to earn AED 8,000 on a monthly basis.
Citibank Cashback Credit Card Fees and Charges
Here are fees and charges levied by Citibank Cashback Credit Card:
Fees and Charges for Citibank Cashback Credit Card
||Yearly Membership Fee
||Monthly Retail Interest
||Monthly Cash Interest
||Yearly Membership Fee for Supplementary Card
||Direct Debit Set-up/ Amendment/ Cancellation
||Stopping Direct Debit Payment
||Card Replacement Charges
||Card Conversion Charges
||Sales Draft Copy Charges
||Credit Shield Plus Charges
||0.82 percent of the outstanding monthly balance
||Life Style Protect Plus Charges
||0.79 percent of the outstanding monthly balance
||Processing Fees For Personal Loan
||1 percent of the total loan amount minimum AED 500 Maximum AED 2,500
||Loan Cancellation Charges
||Loan Rescheduling Charges
||Cash Advance Charges
||3 percent of the advance amount or AED 99 whichever is higher
||InstaLoan Processing Charges
FAQs on Citibank Cashback Credit Card
Q1: How to Earn Your Rewards?
Ans: It is a very easy process to earn Citi Cashback Credit Card rewards. All the cardholder needs to do use make a successful transition using their card and that’s it. As per the applicable condition, their reward will be credited.
Q2: How to Redeem Your Rewards?
Ans: The best part about the Citi Cashback Credit Card is that there it there is no process for the reward redemption. Cashback Credit Card provides the cashback on an automatic basis.
Q3: How to Apply for Citibank Cashback Credit Card?
Ans: Applying for Citibank Cashback Credit Card online is very convenient. The applicant needs to log on to Policybazaar.ae, duly fill in the application form and submit it. Upon submission, one of the many credit cards experts will get in touch with them and will guide them about the application process.