Citibank Cashback Credit Card: Great Cashback on Utilities, Phone Bills & Movies

Citibank Cashback Credit Card: Great Cashback on Utilities, Phone Bills & Movies

Best Cashback Card for Utilities and Phone Bills

Good for

  • Consumers looking for a card to pay utility bills
  • Families
  • Consumers interested in low-fee cards
  • Moviegoers

Bad for

  • Consumers seeking a cashback card for general spending
  • Frequent travellers

Editor's Rating

4.0/5.0

The Citi Cashback Card earns great cashback on utility bills, phone bills and movie spending. For example, the card offers 5% cashback on utilities, phone bills and movies—adding value to those who find themselves paying these bills often. Additionally, the card incurs a low annual fee of Rs. 500. The drawback for this card, however, is that the card earns a below average 0.50% cashback on general spending. Therefore, the card is most suitable for consumers interested in a low-fee card that earns cashback on utilities, phone bills, and movie ticket purchases.

ProsCons
  • Annual fee of Rs. 500
  • 5% cashback on utilities, phone bills and movie tickets
  • 0.50% cashback on general spending
  • Rs. 100 cap for the 5% cashback on utilities, phone bills and movie tickets per month
Card Overview
Pros:
  • Annual fee of Rs. 500
  • 5% cashback on utilities, phone bills and movie tickets
Cons:
  • 0.50% cashback on general spending
  • Rs. 100 cap for the 5% cashback on utilities, phone bills and movie tickets per month

What Makes Citi Cashback Card Stand Out

The Citi Cashback Card is the best cashback option offered for both utility and phone bill payments, as well as a competitive card for movie ticket purchases (5% cashback for all categories). The cashback rate is applied on bill payments that are enrolled and charged to Citi Bill Pay or are paid through Citibank Online Payments. Although the categories for the cashback are limited, the card can still be seen as a versatile option as the categories are unrelated to each other. However, the card earns a below average 0.50% cashback on all other spending categories. On a positive note, the card charges a low-fee of Rs 500. With these factors in mind, this is the ideal card for consumers looking to earn cashback from utilities, phone bills, and movie ticket purchases, without incurring a high annual fee. If you are interested in other citibank credit cards, take a look at our guide.

How Does the Citi Cashback Credit Card Rewards Programme Work?

The Citi Cashback Card reward programme offers cardholders with cashback on utilities, phone bills, and movie ticket purchases. The cashback for these 3 categories is capped at Rs. 100 per month. Cardholders earn 0.50% cashback on their spending for all other spending categories. The cashback is auto credited to the statement in multiples of Rs. 500. The unredeemed cashback never expires.

  • 5% cashback on utilities, phone bills and movie tickets
  • 0.50% cashback on general spending
  • Cashback cap of Rs. 100 on utilities, phone bills and movie tickets
  • Cashback is auto credited to statement in multiples of Rs. 500
  • Cashback never expires

Citi Cashback Credit Card's Features and Benefits:

Card Overview
  • Annual Fee: Rs. 500
  • Income Requirement: None listed by issuer
  • Age Requirement: None listed by issuer
Rewards Rate Details
  • 5% cashback on utilities, phone bills and movie tickets
  • 0.50% cashback on general spending
  • Cashback cap of Rs. 100 on utilities, phone bills and movie tickets
Benefits & Perks
  • Up to 15% off on partnered dining restaurants across India

How Does Citi Cashback Credit Card Compare Against Other Cards?

Read our comparisons of the Citi Cashback Credit Card:

Citi Cashback Card vs. Citi Rewards Card

Consider this if you are looking for a card for utilities and movies

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

The Citi Rewards Card is a solid low-fee card to use exclusively for retail shopping. For instance, the card offers cardholders a rewards rate of 2.80% (10 points per Rs. 125 spent; 1 point = Rs. 0.35) on retail spending. While the Citi Cashback Card does not offer special rates for shopping, it does offer 5% cashback on utilities, phone bills, and movie tickets. Notably, both cards offer below average rewards for general spending, though the Citi Cashback Card offers a slightly higher rate (0.50%) than the Citi Rewards Card (0.28%). Therefore, we would recommend the Citi Cashback Card for consumers interested in cashback on utility bills, phone bills, and movie ticket purchases, whereas the Citi Rewards Card is for consumers who are more interested in a low-fee retail shopping card.

Citi Cashback Card vs. Standard Chartered Super Value Titanium Card

Consider this if you are interested in a cashback card to use on fuel, phone bills and utility bills

Age Requirement 21-65
Annual Income Requirement None listed by issuer

The Standard Chartered Super Value Titanium Credit Card is also a solid option for consumers looking to acquire a card for phone and utility bills (5% on both). The card also offers 5% cashback on all fuel spending across all vendors. This is similar to the Citi Cashback Card’s 5% cashback on utility bills, phone bills, and movie ticket purchases. Another difference is the caps placed on the categories. For example, the Super Value Titanium Card allows cardholders to earn Rs. 200 per month in cashback, whereas the cap for the Cashback Card is at Rs. 100. Therefore, if you are choosing between these two cards, we would recommend the SC Super Value Titanium Card if you are interested in fuel cashback, and the Citi Cashback if you are more interested in movie ticket purchases.

Citi Cashback Card vs. Indusind Bank Iconia American Express Card

Consider this if you tend to spend on the weekends

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

The Indusind Bank Iconia American Express Credit Card is an excellent option for individuals that tend to spend on the weekends often as it has a set of elevated rates. The card offers cardholders 2% on weekends for all spending categories, except fuel and offers 1.5% on weekdays. Both rates are higher than the 0.50% general spending rate offered by the Citi Cashback Card; however, they are much lower than the 5% cashback offered on utility bill, phone bill, and movie ticket purchases. Therefore, when comparing these cards, we would recommend the Iconia Amex Card for consumers looking to earn higher rates on weekend spending; however, we would recommend the Citi Cashback Card for consumers who are looking for a great card to use on utility bills, phone bills, and movie ticket purchases, without racking up annual fees.

Sahmi Chowdhury

Sahmi is a Junior Research Analyst specialising in credit cards and insurance in India. He previously worked in the financial services sector at Brown Brothers Harriman and True Capital Management.