Citi Cash Back Card

New to credit cards? Here's your complete guide to cashback credit cards.

Key Features and Benefits of Citi Cash Back Card

These are some highlights of the Citi Cash Back Card and the cashback benefits on offer.

How does Citi Cash Back Card compare with others?

Pros

1. High 20.88% of fuel savings at Esso and Shell
2. 8% cashback for essential categories like Dining and Groceries - suitable for people who frequent Dining outlets and Grocery stores
3. Most ideal for individuals who can spend a minimum of S$888 per month.

Cons

1. 8% cashback is capped at a meagre S$25
2. Basic cashback rate is 0.25% if you do not spend at least S$888
3. Not suitable for those who spend less than S$888 a month.

Eligibility: who can apply for Citi Cash Back Card

To be eligible for the Citi Cash Back card, you'll have to meet the following criteria:

• Be at least 21 years old
• For Singaporeans and PRs: Minimum annual income of $30,000
• For foreigners: Minimum annual income of $42,000

Fees and Charges for Citi Cash Back Card

• Annual Principle Fee: $192.60
• Annual Supplementary Card fee: $96.30
• Fee Waiver: First year waived
• Interest-Free Period: 25 days
• Annual Interest Rate: At the prevailing effective interest rate of 26.90% p.a. subject to compounding
• Minimum monthly payment: 1% or $25, whichever is greater
• Late payment charge: If the Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of $40 will be levied.
• Cash advance fee: $15 or 6% of the amount withdrawn, whichever is greater
• Handling fee for dishonoured cheque/payment order: $25.00, if any check or other payment order tendered as payment to Citibank is dishonoured
• Overlimit fee: $40 will be charged on the card with highest balance on the statement billing date, if the total outstanding balance (including unbilled balance) of all credit card(s) exceeds customer’s combined credit limit on any day within the statement period.

Terms and Conditions of Citi Cashback Card

• You will receive cashback of 0.25% on all retail purchases with additional cashback on dining, groceries and petrol if you accumulate a total retail spend of S$888 or more in a month
• A welcome offer of $120 cashback will be credited to the eligible card within two months when you spend S$1,200 in the first 3 months
• You can use Citi Mobile App to track your spending and cashback
• Bonus 7.75% cashback on dining, groceries and petrol spend is capped at S$25 cashback per category per month

How to Apply for Citi Cashback Card

• Apply Online or
• Visit CitiBank branches

About Citibank

Citi Singapore established its presence in 1902, and is the city's largest foreign banking employer. In 2005, Citi incorporated its Global Consumer Banking (GCB) arm in Singapore - in what's today known as Citibank Singapore Limited. The subsidiary is wholly owned by Citigroup.

Citibank Singapore offers wealth management products and services, including investments, insurance, deposits and treasury products; credit cards and personal lines of credit, and housing loans and share financing.

Still unsure? 

Find out everything you need about credit cards - including what The Best Credit Cards in Singapore are for miles and cashback, factors to consider before getting one, fees to know, and why a good credit score matters.

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