Citi Cash Back Card
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Citi Cash Back Card Review 2022
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 6% for Dining and 8% for Groceries and Petrol. 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$800 per statement month and this cashback is capped at S$80 across all retail spend. For all other eligible retail spend, stand to receive a base cashback of 0.25%, with no cap.
- 6% 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
- cap at $80 combined across all retail spend per month
- Up to S$1 million coverage for travel insurance
Find out about the card's complete host of benefits, charges and promotions below.
Citi Cash Back Card
Up to 8% across Dining, Groceries and Petrol
CASHBACK
$80 across all retail spend
CASHBACK CAP
$800
MINIMUM SPEND
Citi Cash Back Card
Up to 8% across Dining, Groceries and Petrol
CASHBACK
$80 across all retail spend
CASHBACK CAP
$800
MINIMUM SPEND
📣 SIGN-UP BONUS
Receive a Samsonite Straren Spinner 67/24 (worth S$600) or Sony WH-1000XM5 headphones (worth S$569) or a Dyson V8 Slim™ Fluffy (worth $549).
Valid till 15 Aug 2022. T&Cs apply.
3.2
25 Reviews
Service Rating
Speed of Approval
Ease of Fee Waiver
Customer Support
- [Cashback Card] Honestly, the cashback rates are alright but it's a really weird process to "redeem" your cashback and quite backdated [Customer Service] As always, Citi's customer service isn't the best so be prepared to put up with this if you ever have to call in for anything
0
What are your thoughts? - Posted 28 Feb 2022
Purchased
Citi Cash Back Card
Generous open account opening gifts so I got it. The approval speed is fast and no additional fee. Gonna use it for some grocery shopping and utilities fee.0
What are your thoughts? - Great card especially for groceries (8% with min-spend $800). 6% for dining/petrol too. Cashback is received [now automatically it seems] in blocks of $10. For lower spenders can consider stocking supermarket vouchers every few months to still enjoy the cashback.
0
What are your thoughts? - Posted 23 Jan 2022
Purchased
Citi Cash Back Card
damn ma fan to get the promo. could do a lot better and be user friendly to entice ppl for the promos.0
What are your thoughts? - Posted 24 Sep 2021
Purchased
Citi Cash Back Card
The signup process was fast and seamless. And customer service wise is average, waiting time when calling the bank is similar to other banks. Cashback redemption however, is a real drag, because you can only redeem in fixed increments of $10, $20 etc so if you have any loose cashback you can't just redeem it easily. Also, the redemption process is rather tedious, you have to message a code to the bank. The redeeming factor for signing up this card is that the signup promotions tend to be pretty generous, especially for first-time users.0
What are your thoughts? - 25 Dec 2020
Purchased
Citi Cash Back Card
Cashback rebates need to be redeemed in blocks of $10 manually by sending SMS RWDS XXXX CASH10 to 72484. The redemption system is always under maintenance. I sent 3 SMS across 3 days and get 3 replies saying the system is under going maintenance. They are just trying to withhold the cashback and make it difficult to redeem.0
What are your thoughts? - 16 Sep 2020not so good. has many exclusions like grab pay top up and also insurance. hence I did not hit the minimum 888. may give it another chance next month, see how. Managed to get a waiver of the card fee, customer service was nice and prompt
0
What are your thoughts?
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New to credit cards? Here's your complete guide to cashback credit cards.
Exclusive Rewards
Receive a Dyson Supersonic (worth S$649) or a Samsonite Straren Spinner 67/24 (worth S$600) or Sony WH-1000XM5 headphones (worth S$569) or S$350 cash
- Promotion valid only for new Citibank cardmembers
- A min. spend of S$500 must be made on eligible goods and services within 30 days of card approval
- Min. spend criteria can be met by using Citi PayAll, which allows you to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your rent, insurance premiums, education expenses, taxes, utilities and more.
- Existing Citibank cardmembers receive S$30 via PayNow, no min spend required
- Valid till 31 August 2022
- Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval
- Reward may be retracted or cancelled if the card is cancelled before this 12-month period
- Terms and Conditions apply
- To apply, click on the "Apply Now" or "Visit Site" buttons
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$800 to enjoy: 5.75% bonus cashback on Dining, 7.75% bonus cashback on 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 Groceries and 6% for Dining - suitable for people who frequent Dining outlets and Grocery stores
- Most ideal for individuals who can spend a minimum of S$800 per month.
Cons
- 8% cashback is capped at a meagre S$80 across all spend a month
- Basic cashback rate is 0.25% if you do not spend at least S$800
- Not suitable for those who spend less than S$800 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$800 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 groceries and petrol, bonus 5.75% cashback on dining spend and 0.25% bonus base cashback is capped at S$80 per month
How to Apply for Citi Cashback Card
- Apply Online (via the button above) or Visit Citibank branches
- Tel: 6225 5225
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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