facebookCiti Cash Back Card Reviews and Comparison - Seedly

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Credit Cards/Citi Cash Back Card
Credit Cards/Citi Cash Back Card
3.2
26 reviews
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Summary

Citi Cash Back Card

Exclusive Rewards

Get Dyson V8 Slim™ Fluffy (worth S$549), or Nintendo Switch OLED (worth S$549), or ErgoTune Supreme V3 (worth S$850) / S$400 Cash via PayNow and win up to S$30,000 worth of prizes with Citi Cash Back Card

  • Promotion valid only for new card members
  • All cardholders will need to activate and spend a minimum S$500 within 30 days of card approval to be eligible for the sign up gifts
  • 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
  • No promotion for existing card members
  • Promotion valid till 30 November 2022
  • Terms and Conditions apply
  • Plus, apply for this product and score 3x entry into our Score Big Grand Lucky Draw, where you stand to win your share of over S$30,000 worth of exciting prizes! Valid till 18 December 2022. Terms and Conditions apply.

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  • Pays to access additional features

Card Features & Details

1) Key Features

  • Base cash back of 0.25% on all retail purchases without minimum spend
  • Spend a minimum of S$800 monthly to enjoy bonus cash back
  • Earn up to 6% cash back on dining when you dine at eligible restaurants or cafes worldwide
  • Earn up to 8% cash back on groceries at supermarkets and grocery stores worldwide
  • Get up to 20.88% fuel savings at Shell and Esso and 8% cash back at other petrol stations worldwide 
  • Get protected by up to S$1 million when you purchase your travel tickets with Citi Cash Back Credit Card

2) Benefits

Groceries
  • Earn base cashback of 0.25% on all grocery store transactions
  • Enjoy bonus cash back of 7.75% on your grocery transactions when you spend S$800 and above per statement month
  • Eligible grocery merchants include all grocery stores and supermarkets
Petrol
  • Earn base cashback of 0.25% on all petrol transactions
  • Enjoy bonus cash back of 7.75% on your petrol transactions when you spend S$800 and above per statement month
  • Save up to 20.88% 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
  • Earn base cashback of 0.25% on all grocery store transactions
  • Enjoy bonus cash back of 5.75% on your grocery transactions when you spend S$800 and above per statement month 
  • Eligible merchants include caterers, eating places, restaurants, and fast-food restaurants 

3) Eligibility

  • Age: 21 years old and above
  • Citizenship: Singaporeans and PRs only
  • Minimum annual income: 
    - Singaporean and PR: S$30,000 and above per annum 
    - Foreigner: S$42,000 and above per annum

4) Fees & Charges

  • Annual principal fee: S$192.60 (first year waived)
  • Late payment fees: S$100
  • Supplementary card annual fee: S$96.30
  • Repayment grace period: 25 days
  • Cash advance charges: S$15 or 6% of amount drawn
  • Overlimit fee: S$40

Find out about the card's complete host of benefits, charges and promotions below.

...see more

Citi Cash Back Card

Up to 8% across Dining, Groceries and Petrol

CASHBACK

$80 across all retail spend

CASHBACK CAP

Citi Cash Back Card

Up to 8% across Dining, Groceries and Petrol

CASHBACK

$80 across all retail spend

CASHBACK CAP

đź“Ł SIGN-UP BONUS

Get Dyson V8 Slim™ Fluffy / Nintendo Switch OLED / ErgoTune Supreme V3 / S$400 Cash via PayNow and win up to S$30,000 worth of prizes

Valid till 18 Dec 2022. T&Cs apply.

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Reviews (26)

3.2

26 Reviews

5
7
4
4
3
7
2
2
1
6

Service Rating

Speed of Approval

4.5

Ease of Fee Waiver

4.4

Customer Support

3.5
      Posted 1d ago

      Purchased

      Citi Cash Back Card

      [Customer Service] Horrible customer service. Very rude and unprofessional. [Others] Security is not there also. Card got fraudulent transaction back to back immediately after changing new card.

      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 07 Mar 2022

      Purchased

      Citi Cash Back Card

      [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?

      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?

      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?

      Posted 24 Aug 2021

      Purchased

      Citi Cash Back Card

      [Cashback Card] The cashback is not user friendly. You have to be manually done by the user. It make me feel less likely to use the card.

      0

      What are your thoughts?

      11 Jun 2021

      Purchased

      Citi Cash Back Card

      Easy sign up process and a lot of promotions ongoing to sign up for the card. However, a bit difficult to redeem cashback as need to send in SMS to citibank every month to redeem the cashback every month.

      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?

    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:

      5.75% bonus cashback on Dining, 7.75% bonus cashback on Groceries and Petrol + 0.25% base cashback on all retail purchases no cap

      • 6% cashback on dining at restaurants and cafes, local and worldwide
      • 8% cashback on groceries at supermarkets, local and worldwide
      • 0.25% cashback on all other retail purchases
      • cap at $80 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. 8% cashback for essential categories like Groceries and 6% for 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 0.25% 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: $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 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.

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