Citibank Citi Cashback Credit Card

Gone are the days when people used to carry cash with them to pay for their expenses. Credit cards in the UAE have made the lives of people much easier and better. In the world of digitalization, the preferred mode of payment has changed. Now, people swipe their credit cards for paying their bills. While they pay using their credit card, they get rewarded for eligible transactions as per the applicable terms and conditions.

Since there are more than 200 credit cards are offered in the UAE, every card comes with its own set of terms and conditions. While some applicants may find the variety of credit cards offered in the UAE a bit overwhelming; it speaks volumes about the credit card needs and preferences in the UAE. Simply put, it works on the basic function of demand and supply.

Credit card needs are so individualistic that it varies applicant to applicant. When it comes to credit cards, one size doesn’t fit everyone. It all boils down to the credit card expectations of the applicant.

Citibank Citi Cashback Credit Card

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 of Citi Cashback Credit Card

Here are the features of Citi Cashback Credit Card:

  1. 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.
  2. 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,
  3. 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.
  4. 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.
  5. No Categories Excluded- There are no spend categories excluded. It means the cardholder can avail the maximum cashback benefit.

Benefits of Citi Cashback Credit Card

Here are the benefits of Citi Cashback Credit Card:

  1. 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.

  1. 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.
  2. 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.

How to Apply for Supplementary Cards?

The card member can opt for free supplementary Cashback credit cards for their eligible members. It offers the convenience of using their own cashback credit card.

Eligible Family Members

Here are the eligible family members for the supplementary credit cards.

  • They must be blood relatives of the cardholder.
  • They must be over 13 years of age.

Eligibility Criteria Citibank Cashback Credit Card

Here are the eligibility criteria for applying for Citibank Cashback Credit Card:

  1. 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.
  2. Monthly Minimum Income- The card member needs to earn AED 8,000 on a monthly basis.

Top Reasons to get the Citi Cashback Credit Card

Here are the top reasons to get Citi Cashback Credit Card:

  1. 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.
  2. Maximum Savings- With the help of the card, the cardholder can save more than AED 5,000 on an annual basis.
  3. Fee Free- As per applicable terms and conditions, the card doesn’t come with membership fees.

Citibank Cashback Credit Card Fees and Charges

Here are fees and charges levied by Citibank Cashback Credit Card:

Fees and Charges for Citi Bank Cashback Credit Card

 

S.No.

Particulars

Charges

1.        

Yearly Membership Fee

AED

2.        

Monthly Retail Interest

3.25 Percent

3.        

Monthly Cash Interest

3.25 Percent

4.        

Yearly Membership Fee for Supplementary Card

Free

5.        

Direct Debit Set-up/ Amendment/ Cancellation

Free

6.        

Stopping Direct Debit Payment

AED 50

7.        

Card Replacement Charges

AED 50

8.        

Card Conversion Charges

AED 50

9.        

Sales Draft Copy Charges

AED 65

10.    

Credit Shield Plus Charges

0.82 percent of the outstanding monthly balance

11.    

Life Style Protect Plus Charges

0.79 percent of the outstanding monthly balance

12.    

Processing Fees For Personal Loan

1 percent of the total loan amount minimum AED 500 Maximum AED 2,500

13.    

Loan Cancellation Charges

AED 100

14.    

Loan Rescheduling Charges

AED 250

15.    

Cash Advance Charges

3 percent of the advance amount or AED 99 whichever is higher

16.    

InstaLoan Processing Charges

AED 100

 

How to Earn Your Rewards?

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.

How to Redeem Your Rewards?

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.

How to Apply for Citibank Cashback Credit Card?

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.

Citi Cashback Credit Card Additional Information

Services

Automatic Account Alerts

Citi Cashback Cardholders can avail account alerts service and stay updated about their account activities all the time. Availing automatic account alerts helps them to check the status of their account be it any transactions or outstanding payment. With the help of this service, the cardholders can get the status of their account balance or status of their credit limit and notifications regarding every purchase made with their card through the Citibank Alerting Service.

How to Set up CitiAlerts?

Here are the steps to set up Citi Alerts service and keeping close tabs on their money with phone and email alerts.

Step 1- In order to choose an alerts plan, click configure alerts.

Step 2- Now, click on Edit Alert Profile.

Step 3- Check out the detailed description of the standard alert package.

Step 4- Select the package as per your preference.

Step 5- Select the mode of receiving the alerts. There are three options- text messages, email or both).

Step 6- Click on confirm.

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. 

Steps to Pay Citi CashBack Credit Card Bill Using Citibank Account

In order to pay Citi CashBack Credit Card using Citibank account, the account holder must have Citibank’s Internet Banking Account.

Here are the steps to pay Citi CashBack Credit Card bill using CitiBank account:

  • Step 1- Log on to Citibank internet banking account.  
  • Step 2- Click on to Payments and Transfers tab, and select Make a payment or a transfer option.
  • Step 3- Select Transfer between my own accounts.
  • Step 4- Click the account that you would want to pay from. The account will be the source and the Cashback credit card will be the destination.
  • Step 5- Choose the payable amount.
  • Step 6- Select the time you would want the payment to be debited.
  • Step 7- Click on Next and review the transfer details.
  • Step 8- Click on Confirm and Pay button.

In case they don’t have an account with CitiBank, they can pay their credit card bill using their non-CitiBank account. Their bank may charge a nominal fee of AED 1.

Steps to Pay Citi CashBack Credit Card Bill Using Non- Citibank Account

Here are the steps to pay Citi CashBack Credit Card bill using a non- CitiBank account:

Pay online through a non-Citibank account:

The online transfer process varies from bank to bank, but usually has the following steps:

  • Step 1- Log in to your internet banking account.
  • Step 2- Select the option of Online Transfer from the Payments and Transfers button.
  • Step 3- Fill in your Citi Cashback Credit Card number.
  • Step 4- Fill in the amount that you want to pay.
  • Step 5- Fill in the swift- CITIAEAD
  • Step 6- Select when you want the money to be debited from your account. Kindly keep in mind that the payment transfers can take a period of up to 3 days to be processed.
  • Step 7- Select Next and review the payment details.
  • Step 8- Click on Confirm & Pay.

Some banks require the account holder to add their Citi Credit Card as a beneficiary or payee. Listed below are the details that may be needed for making online transfers:

  • Name of Bank
  • 16 digit Citi Cashback Card Number
  • Swift Code
  • Bank’s Address

ATM

The other way to pay their Citi Cashback credit card bill is by making a deposit at CitiBank ATM in the vicinity. In order to check locations, they can log on to Findmyciti’s UAE website and check out the ATM locations.

In case the cardholder doesn’t have their card with them, they can still make the payment.

Note- In case the card member opts for paying their bill via cheque; they must make sure that they make the payment 2 days prior to their due date. In this way, their check will be cleared before the due date of the payment. In case the cheque doesn’t get cleared before the due date, Citibank will charge and late fees.

Using Citibank Credit Card

In case the cardholder opts for making payment for their outstanding credit card bill using their Citibank credit card, here are the steps they need to follow:

  • Step 1- Insert Citi Credit Card into the ATM machine.
  • Step 2- Enter the 4 digit credit card PIN.
  • Step 3- From Arabic or English, choose the preferred language.
  • Step 4- When what would you like to do today is displayed on the screen, click on Online Payment.
  • Step 5- When what would you like to deposit is displayed on the screen, select Cheque or Cash and select
  • Step 6- Deposit Cheque or
  • Step 7- Confirm the amount of money displayed on the screen.
  • Step 8- When would you like a receipt, select as per your preference.
  • Step 9- When the payment is complete, collect the Citi Credit Card.

Without your Citi Credit Card

In case the cardholder opts for making payment for their outstanding credit card bill without their Citibank credit card, here are the steps they need to follow: 

  • Step 1- Press any key or touch ATM screen.
  • Step 2- From Arabic or English, select the preferred
  • Step 3- When what would you like to deposit is displayed on the screen, select Cheque or Cash and select
  • Step 4- Fill in the 16 digit number of the credit
  • Step 5- As per the preferred mode of payment, deposit Cheque or
  • Step 6- Confirm the amount of money displayed on the screen.
  • Step 7- When would you like a receipt, select as per your preference.
  • Step 8- As per you input, your transaction will be processed

Pay at Exchange House

The cardholder can pay their Citi Cashback Credit Card outside at an exchange house. It accepts the payment using the UAE Funds Transfer System UAEFTS. Offered by the Central Bank of the UAE, UAEFTS is the Real Time Gross Settlement system of the United Arab Emirates. The transfer system enables the fund transferring between financial institutions and banks in the United Arab Emirates with the help of the accounts held with the Central Bank.

Note- The exchange house may charge a transaction fee for accepting the credit card payment.

Direct Debit

The cardholder may opt for the Direct Debit feature using their Citi bank as well as non-Citibank account. Direct Debit is a surefire way of ensuring that the credit card payment is paid out on a regular basis without any inconvenience.  Here is a little smattering on this feature

What is Direct Debit?

Direct Debit instruction is a financial transaction. Basically, as per the cardholder’s instruction, automatically CitiBank will receive the outstanding payment for their Citi Credit Card on the due date from the registered account.

Typically, the cardholder opts for Direct Debit Instructions are for making recurring payments. Having said that, the payment amount may vary from one payment the other.

In order to opt for Direct Debit feature, the cardholder ought to maintain adequate fund in their account. It ensures that their monthly credit card outstanding bill is paid without fail. In case the funds are insufficient as pet the due amount, the cardholder will be charged for a late fee along with the incurred finances charges in accordance with the latest fees and charges. The best thing about this feature is that it can be set up for CitiBank account as well as non-CitiBank account.

Setting up Direct Debit Instruction on Citibank Online

It is very easy to set up direct debit instruction. All the cardholder needs to do is log on to their Citibank online account. They can set up direct debit instruction to their utility company as well as other suppliers.

 Mentioned below are the steps to set up direct debit instruction.

  • Step-1 Select Setup Direct Debit in the sidebar.
  • Step-2 The already existing Direct Debits will be listed here (if any).
  • Step-3 Select Add New Direct Debit.
  • Step-4 The One Time Password will be delivered to the registered number of the account holder.
  • Step-5 Fill in the password and select
  • Step-6 With the help of drop-down menu, click on the account you would like to pay from.
  • Step-7 Fill in the account details you want to make payment from.
  • Step-8 Mention the payment type.
  • Step-9 To confirm, click 

Setting up Direct Debit from on Non-Citibank Account

The cardholder can opt for the direct debit instructions from their bank Account within the United Arab Emirates. With ease, they can download the direct debit form. The form can be found at Download Center tab at the official website of Citibank online.

The cardholder needs to duly fill in the required information, and mail the form to Citibank at the following address:

Citibank
Direct Debit Credit Cards
P.O.BOX 749
DUBAI, U.A.E

Alternatively, they can submit the form at their nearest Citibank branch.

Note: The payee bank may charge the cardholder for availing this service. 

FAQ's

Question 1- What is the rate of retail interest of Citi CashBack Credit Card?

Answer- The rate of retail interest on a monthly basis is 3.25 percent.

Question 2- What are the Benefits of Citi CashBack Credit Card?

Answer- Here is why you should opt for Citi CashBack Credit Card:

  1. Cashback
  2. No Caps
  3. No Minimum Spend
  4. No Redemption Process
  5. No Categories Excluded
  6. Complimentary Airport Lounges
  7. Dining Discount
  8. Maximum Savings
  9. Fee Free Cashless
  10. Maximum Savings
  11. Fee Free

Question 3- How many complimentary airport lounges can I visit?

Answer- Being a card member of Citi Cashback Credit Card, you can visit 1000 plus airport lounges.

Question 4- Can I pay my credit card bill without my Citi Credit Card?

Answer- Yes. You can visit the nearby Citibank ATM in your vicinity and make the payment.

Question 5- Can I Set up Direct Debit Instruction on Citibank Online?

Answer- Yes. Setting up direct debit instructions on Citibank online is very easy, simple and convenient.