Citi Cash Back Card

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.

Exclusive Rewards

Receive a Dyson V8 Absolute™ (worth S$609) or Sony WH-1000XM5 (worth S$575) or Flujo Ayla Ergonomic Office Chair (worth S$1,139) or S$300 Cash via PayNow

• 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 until 21 March 2023
• Terms and Conditions. Click here
• This product is also available on our Prudential Lucky Draw of over S$23,000 worth of prizes. 8x Nintendo OLED (each worth S$549), 8x Playstation5 - sold out islandwide (each worth S$799), 8x Dyson Airwrap TM styler (each worth S$859), or 8x Apple iPad (each worth S$685.30)
• Promotion period: 13 February - 30 April 2023

Product Page Transparency

• 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.