facebookCiti Cash Back Card Ratings Jul 2024

Citi Cash Back Card

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  • Reviews (30)
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3.0
30 reviews
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Summary

Citi Cash Back Card

The Citi Cash Back Card is a credit card for those who want to earn cash back, and spend regularly on groceries, dining, and petrol. The Citi Cash Back Card has one of the highest cash backs at: 6% for Dining, 6% for Groceries, 8% for Private Commute and up to 20.88% for Petrol.

SingSaver Rewards Upgrade Campaign: Top up extra cash to receive a reward upgrade worth up to S$2,128

  • Promotion is valid until 31 July 2024.
  • Valid for new Citi credit cardmembers only
  • Activate select Citi credit cards and make a min. spend of S$500 within 30 days of card approval.
  • The Reward Upgrade will replace SingSaver Exclusive promotional reward.
  • Terms and Conditions apply.

SingSaver Exclusive Promotion: Receive an Apple iPad 9th Gen or a Dyson Supersonic or a Dyson Micro Vacuum or S$300 Cash + S$110 Shopee Voucher

  • Promotion is valid until 31 July 2024.
  • Promotion is valid for new Citi credit cardmembers only.
  • Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
  • Promotion does not stack with other welcome offers from Citibank.
  • Terms and Conditions apply

Product Page Transparency

  • Pays to access additional features

Card Features & Details

1) Key Features

  • 6% cash back on dining at restaurants and cafes worldwide
  • 6% cash back on groceries at supermarkets and grocery stores worldwide
  • 8% cash back on private commute (e.g. taxis, Grab and Gojek)
  • 8% cash back at other petrol stations worldwide
  • Up to 20.88% fuel savings at Shell and Esso 
  • Enjoy bonus cash back with a minimum spend of S$800 monthly across all categories
  • Up to S$1 million travel insurance coverage when purchasing travel tickets with Citi Cash Back Credit Card

2) Benefits

Groceries
  • Bonus cash back of 6% on your grocery transactions
  • Enjoy bonus cash back with a minimum spend of S$800 monthly across all categories
  • Eligible grocery merchants include all grocery stores and supermarkets
Petrol
  • Bonus cash back of 8% on all petrol transactions
  • Enjoy bonus cash back with a minimum spend of S$800 monthly across all categories
  • Up to 20.88% cash back at Esso and Shell
  • Esso fuel discount: 5% Esso site discount + 5% Esso Smiles Card discount + 4% Citi Card discount + 8% Citi Cash Back Card discount = 20.88% savings
  • Shell fuel discount: 5% Shell site discount + 5% Shell Escape Card discount + 4% Citi Card discount + 8% cash back with Citi Cash Back Card = 20.88% savings
Dining
  • Bonus cash back of 6% on all dining at restaurants and cafes worldwide
  • Enjoy bonus cash back with a minimum spend of S$800 monthly across all categories
  • Eligible merchants include caterers, eating places, restaurants, and fast-food restaurants 
Transport
  • Bonus cash back of 8% on private commute (e.g. taxis, Grab and Gojek)
  • Enjoy bonus cash back with a minimum spend of S$800 monthly across all categories
Citibank Promotions & Privileges
  • Citi World Privileges allows you to enjoy deals and discounts locally and in over 90 countries, from travel, dining to shopping.
  • Citibank Gourmet Pleasures gets you the best dining deals at over 1,000 locations across Singapore.
  • Online Shopping Deals give you offers and promotions with your favourite online brands such as Shopee and Lazada, year-round.

3) Eligibility

  • Age: 21 years old and above
  • Citizenship: Singaporeans, PRs and Foreigners
  • Minimum annual income:
  • S$30,000 for Singaporeans/PRs
  • S$42,000 for Foreigners

4) Fees & Charges

  • Annual principal fee: S$196.20 (first year waived) (inclusive of GST) 
  • Supplementary card annual fee: S$97.20
  • Late payment fees: S$100
  • Repayment grace period: Depends on monthly credit card statement
  • Minimum monthly payment:
  • If Current Balance is S$0 to =S$50
  • The minimum payment is the Current Balance
  • If Current Balance is >=S$50
  • The minimum payment amount is specified in your statement of account and is computed by taking a greater of – 
  • (a) (i) 1% of the current balance; plus 
  • (ii) 1% of any outstanding unbilled instalment amounts; plus 
  • (iii) all interest charges (including interest charged under our instalment plans); plus 
  • (iv) all upfront service fees for our instalment plans; plus 
  • (v) late payment charges; or 
  • (b) S$50;
  • plus any overdue amounts. 
  • Cash advance charges: S$15 or 8% of the amount drawn, whichever is higher.
  • Overlimit fee: S$40, if the total outstanding balance (including unbilled balance) of all credit card(s) exceeds the customer’s combined credit limit on any day within the statement period. 

Frequently Asked Questions

Can you enjoy annual fee waiver for the Citi Cash Back Card?

  • Yes, the annual fee for the Citi Cash Back Card of S$196.20 (inclusive of GST) is waived for the first year

Who should apply for the Citi Cash Back Card?

  • For spenders who regularly spend at least $800 across Dining, Groceries and Petrol on a monthly basis.
  • People who enjoy cash back rewards

What is the minimum income requirement for the Citi Cash Back Card?

  • Singapore/PR: Minimum Income of S$30,000
  • Foreigners: Minimum Income of S$42,000
...see more

Summary

Citi Cash Back Card

The Citi Cash Back Card is a credit card for those who want to earn cash back, and spend regularly on groceries, dining, and petrol. The Citi Cash Back Card has one of the highest cash backs at: 6% for Dining, 6% for Groceries, 8% for Private Commute and up to 20.88% for Petrol.

SingSaver Rewards Upgrade Campaign: Top up extra cash to receive a reward upgrade worth up to S$2,128

  • Promotion is valid until 31 July 2024.
  • Valid for new Citi credit cardmembers only
  • Activate select Citi credit cards and make a min. spend of S$500 within 30 days of card approval.
  • The Reward Upgrade will replace SingSaver Exclusive promotional reward.
  • Terms and Conditions apply.

SingSaver Exclusive Promotion: Receive an Apple iPad 9th Gen or a Dyson Supersonic or a Dyson Micro Vacuum or S$300 Cash + S$110 Shopee Voucher

  • Promotion is valid until 31 July 2024.
  • Promotion is valid for new Citi credit cardmembers only.
  • Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
  • Promotion does not stack with other welcome offers from Citibank.
  • Terms and Conditions apply

Product Page Transparency

  • Pays to access additional features

Card Features & Details

1) Key Features

  • 6% cash back on dining at restaurants and cafes worldwide
  • 6% cash back on groceries at supermarkets and grocery stores worldwide
  • 8% cash back on private commute (e.g. taxis, Grab and Gojek)
  • 8% cash back at other petrol stations worldwide
  • Up to 20.88% fuel savings at Shell and Esso 
  • Enjoy bonus cash back with a minimum spend of S$800 monthly across all categories
  • Up to S$1 million travel insurance coverage when purchasing travel tickets with Citi Cash Back Credit Card

2) Benefits

Groceries
  • Bonus cash back of 6% on your grocery transactions
  • Enjoy bonus cash back with a minimum spend of S$800 monthly across all categories
  • Eligible grocery merchants include all grocery stores and supermarkets
Petrol
  • Bonus cash back of 8% on all petrol transactions
  • Enjoy bonus cash back with a minimum spend of S$800 monthly across all categories
  • Up to 20.88% cash back at Esso and Shell
  • Esso fuel discount: 5% Esso site discount + 5% Esso Smiles Card discount + 4% Citi Card discount + 8% Citi Cash Back Card discount = 20.88% savings
  • Shell fuel discount: 5% Shell site discount + 5% Shell Escape Card discount + 4% Citi Card discount + 8% cash back with Citi Cash Back Card = 20.88% savings
Dining
  • Bonus cash back of 6% on all dining at restaurants and cafes worldwide
  • Enjoy bonus cash back with a minimum spend of S$800 monthly across all categories
  • Eligible merchants include caterers, eating places, restaurants, and fast-food restaurants 
Transport
  • Bonus cash back of 8% on private commute (e.g. taxis, Grab and Gojek)
  • Enjoy bonus cash back with a minimum spend of S$800 monthly across all categories
Citibank Promotions & Privileges
  • Citi World Privileges allows you to enjoy deals and discounts locally and in over 90 countries, from travel, dining to shopping.
  • Citibank Gourmet Pleasures gets you the best dining deals at over 1,000 locations across Singapore.
  • Online Shopping Deals give you offers and promotions with your favourite online brands such as Shopee and Lazada, year-round.

3) Eligibility

  • Age: 21 years old and above
  • Citizenship: Singaporeans, PRs and Foreigners
  • Minimum annual income:
  • S$30,000 for Singaporeans/PRs
  • S$42,000 for Foreigners

4) Fees & Charges

  • Annual principal fee: S$196.20 (first year waived) (inclusive of GST) 
  • Supplementary card annual fee: S$97.20
  • Late payment fees: S$100
  • Repayment grace period: Depends on monthly credit card statement
  • Minimum monthly payment:
  • If Current Balance is S$0 to =S$50
  • The minimum payment is the Current Balance
  • If Current Balance is >=S$50
  • The minimum payment amount is specified in your statement of account and is computed by taking a greater of – 
  • (a) (i) 1% of the current balance; plus 
  • (ii) 1% of any outstanding unbilled instalment amounts; plus 
  • (iii) all interest charges (including interest charged under our instalment plans); plus 
  • (iv) all upfront service fees for our instalment plans; plus 
  • (v) late payment charges; or 
  • (b) S$50;
  • plus any overdue amounts. 
  • Cash advance charges: S$15 or 8% of the amount drawn, whichever is higher.
  • Overlimit fee: S$40, if the total outstanding balance (including unbilled balance) of all credit card(s) exceeds the customer’s combined credit limit on any day within the statement period. 

Frequently Asked Questions

Can you enjoy annual fee waiver for the Citi Cash Back Card?

  • Yes, the annual fee for the Citi Cash Back Card of S$196.20 (inclusive of GST) is waived for the first year

Who should apply for the Citi Cash Back Card?

  • For spenders who regularly spend at least $800 across Dining, Groceries and Petrol on a monthly basis.
  • People who enjoy cash back rewards

What is the minimum income requirement for the Citi Cash Back Card?

  • Singapore/PR: Minimum Income of S$30,000
  • Foreigners: Minimum Income of S$42,000
...see more

Citi Cash Back Card

6% for Dining and Groceries
CASHBACK
$80 across all retail spend
CASHBACK CAP
8% cashback for Private Commute and Petrol
LOCAL SPEND

Citi Cash Back Card

6% for Dining and Groceries

CASHBACK

$80 across all retail spend

CASHBACK CAP

8% cashback for Private Commute and Petrol

LOCAL SPEND

đź“Ł SIGN-UP BONUS

Receive an Apple iPad 9th Gen or a Dyson Supersonic or a Dyson Micro Vacuum or S$300 Cash + S$110 Shopee Voucher! Top up extra cash to receive a reward upgrade worth up to S$2,128!

Valid till 31 Jul 2024. T&Cs apply.

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Reviews (30)

3.0

30 Reviews

5
7
4
5
3
7
2
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1
8

Service Rating

Speed of Approval

4.4

Ease of Fee Waiver

4.3

Customer Support

3.3

      Posted 22 Feb 2022

      Purchased

      Citi Cash Back Card

      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?

      11 Aug 2020

      Purchased

      Citi Cash Back Card

      [Cashback Card] Enjoy no minimum spending! Got a waiver of annual fee plus $50 cash reward as i threaten them to cancel the card, haha.

      0

      What are your thoughts?

      01 Jul 2020

      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

      What are your thoughts?

      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

      What are your thoughts?

      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

      What are your thoughts?

      30 May 2018

      Best card ever. Been using their Citibank Credit Cards since 30 years ago. They are the pioneers of cashback cards in Singapore - changing from their Dividend card to Cashback card. Getting cash back by charging to the card. Getting rebates or discounts for lazada, purchases and Petrol station top up too.

      0

      What are your thoughts?

    • It is one of the great card to own it as the rebate system makes me spend even more. As i spend more for petrol and essentials bills, the rebates allows me to earned more at the same time.

      0

      What are your thoughts?

      Posted 25 Jan 2023

      Purchased

      Citi Cash Back Card

      [Useful For...] Cashback Grocery shopping overseas as well. The exchange rates are not too bad but depending on the day of purchase as well. Overall, quite satisfied using this card, other than the cashback can only get cashed in after a certain amount

      0

      What are your thoughts?

      Posted 11 May 2022

      Purchased

      Citi Cash Back Card

      signed up for this card with their dyson vacuum promotions. love the promotions. good to have a card from every bank

      0

      What are your thoughts?

      Posted 10 Dec 2019

      Purchased

      Citi Cash Back Card

      Great card with a new design. The cashback is very attractive, however need to keep track to ensure that the spending of the respective category hits the target. [Cashback Card]

      0

      What are your thoughts?

    Discussions (0)

      No Posts Found.

      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:

      6% bonus cashback on Dining and Groceries, 8% bonus cashback on Private Commute and Petrol, + 0.20% base cashback on all retail purchases no cap

      • 6% cash back on dining at restaurants and cafes worldwide
      • 6% cash back on groceries at supermarkets and grocery stores worldwide
      • 8% cash back on private commute (e.g. taxis, Grab and Gojek)
      • 8% cash back at other petrol stations worldwide
      • 0.20% cash back on all other retail purchases
      • $80 cash back cap combined across all retail spend per month

      Petrol

      Up to 20.88% savings at Esso and Shell

      • 20.88% savings at Esso includes 5% Esso site discount, 5% Esso Smiles Card discount, 4% Citi Card discount and 8% cashback with Citi Cash Back Card
      • 20.88% savings at Sehll includes 5% Shell site discount, 5% Shell Escape Card discount, 4% Citi Card discount and 8% cashback with Citi Cash Back Card

      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

      1. High 20.88% of fuel savings at Esso and Shell
      2. 6% cashback for essential categories like Groceries and Dining - suitable for people who frequent Dining outlets and Grocery stores
      3. Most ideal for individuals who can spend a minimum of S$800 per month.

      Cons

      1. 8% cashback is capped at a meagre S$80 across all spend a month
      2. Basic cashback rate is 0.20% if you do not spend at least S$800
      3. 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: $196.20
      • 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 0.20% 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 6% cashback on groceries and dining, 8% on private commute and petrol, and 0.20% 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 to know 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.

      Still have questions? You can ask the Seedly Community (anonymously, if you'd prefer) for their insights and discuss which credit card you should get.