• Welcome benefit: Receive e-vouchers worth Rs. 5,000 from select brands. Enjoy shopping, travel, fashion, and more with these versatile vouchers. Elevate your lifestyle from the moment you get your SBI Elite Credit Card.
• Explore premium choices in travel, clothing, footwear, and shopping.
• Your gateway to luxury and rewards begins with this exclusive welcome offer.

The Citi Cash Back Credit Card offers:

• Earn 5% cashback on utility bill payments, movie ticket bookings, and telephone bills, with a maximum cashback of Rs. 100 per month. Get 0.5% cashback on all other spending.
• Milestone Rewards: No specific monthly, quarterly, or annual milestone rewards.
• Movie & Dining: Enjoy a 20% discount on dining bills at partner restaurants.
• Rewards Rate: Receive 5% cashback on utility bills, movie tickets, and telephone bills, and 0.5% cashback on all other categories.
• Reward Redemption: Cashback is automatically credited to your account in multiples of Rs. 500.
• Travel: No specific travel-related benefits.
• Golf: No golf-related benefits.
• Lounge Access: No domestic or international lounge access.
• Insurance Benefits: No insurance benefits.
• Zero Liability Protection: Cardholders are not liable for fraudulent transactions if they report card loss or theft within the specified time frame.

You can easily redeem your reward points with the Citi Cash Back Credit Card:

• Redemption Options: You can use your reward points for gift vouchers and statement cash.
• Redemption Fee: There is no fee for redeeming your points.
• Transfer Partners: The card does not offer any transfer partners.
• Value: Each reward point is worth Re. 0.25 when redeemed for gift vouchers, products, or cashback.

• 5% Cashback: Earn 5% cashback on utility bill payments, movie tickets, and telephone bills, helping you save on everyday expenses.
• Dining Discounts: Enjoy a 20% discount on dining at partner restaurants.
• Automatic Cashback: Cashback is automatically credited to your account in multiples of Rs. 500.
• Zero Liability Protection: You're not liable for fraudulent transactions when you report card loss or theft promptly.
• No Annual Fee: Typically, there's no annual fee, making it cost-effective.
• Simple Reward Structure: Easy-to-understand cashback structure with no complex milestones.
• Flexible Usage: Cashback can offset your credit card statement balance, utility bills, or movie tickets.
• No Foreign Currency Markup: Competitive or zero forex markup for international spending.

• Limited redemption options.
• No travel or milestone rewards.
• Exclusions on cashback categories.
• Low cashback rate for general spending.
• Limited travel benefits.
• Minimal annual fee waiver.
• Foreign currency markup charges may apply.
• No airline or hotel partners.
• Capped monthly rewards.
• Dining discounts are limited to partner restaurants.

• 5% cashback on utility bill payments, movie tickets, and telephone bills (up to Rs. 100 per month).
• 0.5% cashback on all other spends.
• Enjoy a 20% discount on dining bills at select partner restaurants.
• Cashback is automatically credited in multiples of Rs. 500.
• Fuel surcharge waiver of 1% at IndianOil outlets.
• No liability for fraudulent transactions if the card is reported lost or stolen.

• Joining Fee: Rs. 500
• Annual Fee: Rs. 500
• Welcome Benefits: Not Applicable
• Quarterly Benefits: Not Applicable
• Annual Benefits: Not Applicable
• Forex Markup Charges: 3.5% on foreign currency transactions
• Fee Reversal Criteria: Not Applicable
• Rewards Redemption Fee: Nil
• Foreign Currency Markup: 3.5% of the transaction amount
• Interest Rate: 3.75% per month
• Fuel Surcharge: 1% fuel surcharge waived off at authorized IndianOil Corporation outlets
• Cash Advance Charges: 2.5% of the cash withdrawn or Rs. 500, whichever is higher