Citibank Cashback + Card — worth applying? - Seedly
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Anonymous

Asked on 28 Feb 2020

Citibank Cashback + Card — worth applying?

  • receive $350 via PayNow

  • 1.6% cashback

  • no min spend

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JJ
JJ
Level 3. Wonderkid
Answered 2w ago

I wouldnt push cards for the sake of doing them, but maybe the following questions would help guide your answer:

  • How much do you spend a month, and what categories do they fall into? (this would help you ascertain if you should have a basic frills free credit card with no min spend or if you should consider cards with tiered cashback rates with min spend/month)

  • How many credit cards do you already own?

  • How do you like to be rewarded (cash back or airmiles or mix of both - rewards points)

That said, also look for good offers that are offered by banks and aggregators before signing up for a card (similar to hotel bookings). (e.g. choose between $250 paynow from singsaver or 4.5% cashback from citi directly)

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Yes, it is a general card that works for most purposes without complicated terms and conditions.

Here is everything about me and what I do best.

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Yes it's a no frills card and if you still qualify for the 350, all the better!

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Geraldo L.
Geraldo L.
Level 7. Grand Master
Answered on 28 Feb 2020

Yes, go for it if you qualify for the PayNow credit. If you're new to credit cards, try to control your spending and remember to pay your bills (in full) on time.

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