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Citi Cash Back Card
- Overview
- Reviews (15)
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Citi Cash Back Card Review 2020
The Citi Cash Back Card is a credit card ideal for earning cashback on groceries and dining, it offers one of the highest cash back at 8% for both Dining and Groceries. It also offers up to 20.88% off petrol at Esso and Shell. Take note that the 8% cash back is only applicable when you spend at least S$888 per statement month and this cashback is capped at S$25. For all other eligible retail spend, stand to receive a base cashback of 0.25%, with no cap. However, the S$25 cashback cap might be off-putting for some especially after having to spend at least S$888.
- 8% cashback on dining at restaurants and cafes
- 8% cashback on groceries at supermarkets
- Up to 20.88% fuel savings at Esso and Shell and 8% cashback at other petrol stations worldwide
- 0.25% cashback on all other retail purchases (no cap)
- Up to S$1 million coverage for travel insurance
Find out about the card's complete host of benefits, charges and promotions below.
3.4
15 Reviews
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Most Recent
- Updated 2w ago
Purchased
Citi Cash Back Card
Even now wz Covid 19 the service staff never fails me when I talk to them ovwr the phone. Very service orientated, patient and prompt.0 comments0 - Updated on 08 Jun 2020
Purchased
Citi Cash Back Card
[Hidden Terms] Cash back not redeemable below $50, which is not mentioned during application. Which unlike other cash back cards redeemable at any minimum amount.0 comments0 - Updated on 02 May 2020
Purchased
Citi Cash Back Card
[Cashback Card] I would not recommend this card. Unlike other Banks with automatic cashback, you have to apply to offset the cashback. When I initially contacted Citi on how to offset the cashback, they took more than 1.5 weeks to revert back to me, and even then, they gave me the wrong link and the wrong details. It was only after a second contact, with 1more delay, that I was able to successfully redeem my cashback. These cashback details were also not readily available on the Citi website. Furthermore, note that you can only redeem your cashback in blocks of 5/10/20$. This makes it weird as I can't offset it from my monthly bill, unlike other normal banks.0 comments0 - Updated on 02 Feb 2020
Purchased
Citi Cash Back Card
One of my go-to cards because i dont try to airmiles-hack my spending. I spend on average about 2k on this card monthly, and the rebates are straight-forward, almost doesn't xpire.0 comments0 - Updated on 20 Jan 2020
Purchased
Citi Cash Back Card
[Cashback Card] [Customer Service] [Promotions and Perks] Probably the best cashback card we have ever used. Been averaging in charging our Citibank CreditCard $2500 every month and cashback is averaging $50 - $60 monthly. Our main category for expenses are for groceries and travels. Besides the clean interface and easy to use app, Citibank customer service is one of the best in my opinion. Once, I had an suspicious transaction made from Australia in wee hours and Citibank instantly notify me on this and locked my credit card (which is a good thing in this case). Called Citibank in the morning and they had my card replaced & sent to my mailbox within 2 days. Pros: If your main expenses that is being charge to Citibank card is groceries, I would really recommend this card. Many deals in their "City World Privileges" including 1 for 1 hotel buffet. Cons/ Suggestion: It would be great if Citibank has a 0% fee on 12 months installment like what DBS/POSB does.0 comments0
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.
Benefits of Citi Cash Back Card | What You'll Get |
|---|---|
Cashback | spend a minimum of S$888 to enjoy: 7.75% bonus cashback on Dining, Groceries and Petrol + 0.25% base cashback on all retail purchases no cap
|
Petrol | Up to 20.88% savings at Esso and Shell
8% cashback at other petrol stations worldwide |
World Privileges | Deals and discounts locally and in 95 other countries |
Citi PayLite | Turn big purchases into smaller payments |
Citi FlexiBill | Turn your credit card statement retail balance into installments |
Welcome Gift | welcome Gift of S$120 cashback when you spend S$1,200 in the first 3 months |
Travel Insurance | Complimentary travel insurance offered to customers who charge their airfare to Citi Cash Back Card |
Citi Cash Back Card - Benefits
How does Citi Cash Back Card compare with others?
Pros
- High 20.88% of fuel savings at Esso and Shell
- 8% cashback for essential categories like Dining and Groceries - suitable for people who frequent Dining outlets and Grocery stores
- Most ideal for individuals who can spend a minimum of S$888 per month.
Cons
- 8% cashback is capped at a meagre S$25
- Basic cashback rate is 0.25% if you do not spend at least S$888
- 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.