Citi Cash Back Card
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3.1
29 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: Up to 6% for Dining, Up to 8% for Groceries and Up to 20.88% for Petrol.
Citi Cash Back Card Promotions
SingSaver Exclusive Promotion:Â Receive a Dyson Supersonic (worth $699) or Dyson V8 Slim Fluffy (worth $509) or Nintendo Switch OLED (worth $549) or $300 cash via PayNow
- Promotion valid only for new card members
- All cardholders will need to activate and spend a minimum $500 within 30 days of card approval
- 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 period: 1 August - 1 October 2023
- Terms and Conditions. Click here
Product Page Transparency
- Pays to access additional features
Card Features & Details
1) Key Features
- 0.25% base cash back on all retail purchasesÂ
- Up to 6% cash back on dining at restaurants and cafes worldwide
- Up to 8% cash back on groceries at supermarkets and grocery stores worldwide
- Up to 20.88% fuel savings at Shell and EssoÂ
- Up to 8% cash back at other petrol stations worldwideÂ
- 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
- Base cash back of 0.25% on all supermarket & grocery store transactions
- Bonus cash back of 7.75% 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
- Base cash back of 0.25% on all petrol transactions
- Bonus cash back of 7.75% 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
- Base cash back of 0.25% on all dining at restaurants and cafes worldwide
- Bonus cash back of 5.75% 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 restaurantsÂ
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$194.40 (first year waived) (inclusive of GST)Â
- 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 greater of –Â
- (a) (i) 1% of the current balance; plusÂ
- (ii) 1% of any outstanding unbilled instalment amounts; plusÂ
- (iii) all interest charges (including interest charged under our instalment plans); plusÂ
- (iv) all upfront service fees for our instalment plans; plusÂ
- (v) late payment charges; orÂ
- (b) S$50;
- plus any overdue amounts.Â
- 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 customer’s combined credit limit on any day within the statement period.Â
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$194.40 (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
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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: Up to 6% for Dining, Up to 8% for Groceries and Up to 20.88% for Petrol.
Citi Cash Back Card Promotions
SingSaver Exclusive Promotion:Â Receive a Dyson Supersonic (worth $699) or Dyson V8 Slim Fluffy (worth $509) or Nintendo Switch OLED (worth $549) or $300 cash via PayNow
- Promotion valid only for new card members
- All cardholders will need to activate and spend a minimum $500 within 30 days of card approval
- 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 period: 1 August - 1 October 2023
- Terms and Conditions. Click here
Product Page Transparency
- Pays to access additional features
Card Features & Details
1) Key Features
- 0.25% base cash back on all retail purchasesÂ
- Up to 6% cash back on dining at restaurants and cafes worldwide
- Up to 8% cash back on groceries at supermarkets and grocery stores worldwide
- Up to 20.88% fuel savings at Shell and EssoÂ
- Up to 8% cash back at other petrol stations worldwideÂ
- 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
- Base cash back of 0.25% on all supermarket & grocery store transactions
- Bonus cash back of 7.75% 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
- Base cash back of 0.25% on all petrol transactions
- Bonus cash back of 7.75% 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
- Base cash back of 0.25% on all dining at restaurants and cafes worldwide
- Bonus cash back of 5.75% 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 restaurantsÂ
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$194.40 (first year waived) (inclusive of GST)Â
- 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 greater of –Â
- (a) (i) 1% of the current balance; plusÂ
- (ii) 1% of any outstanding unbilled instalment amounts; plusÂ
- (iii) all interest charges (including interest charged under our instalment plans); plusÂ
- (iv) all upfront service fees for our instalment plans; plusÂ
- (v) late payment charges; orÂ
- (b) S$50;
- plus any overdue amounts.Â
- 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 customer’s combined credit limit on any day within the statement period.Â
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$194.40 (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
đź“Ł SIGN-UP BONUS
Receive a Dyson Supersonic (worth S$699) or Dyson V8 Slim Fluffy (worth S$509) or Nintendo Switch OLED (worth S$549) or S$300 cash via PayNow
Valid till 01 Oct 2023. T&Cs apply.
Reviews (29)
3.1
29 Reviews
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7
4
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3
7
2
3
1
7
Service Rating
Speed of Approval
4.5
Ease of Fee Waiver
4.3
Customer Support
3.4
Most Helpful
Posted 04 Jul 2023
Purchased
Citi Cash Back Card
personally I wouldn’t recommend this card as other banks have cards with zero annual fee and attractive cashback promos etc.0
What are your thoughts?Posted 17 May 2023
Purchased
Citi Cash Back Card
Easy to get the card, but card is almost useless. Got it for almost a year plus, have not been able to redeem any cashback because of the stupid system. Have to get minimum $50 cashback before I can start redeeming the cashback in blocks of $10. This month, I hit my minimum spending, but because of their slow posting system, my last few days of transaction did not get recorded and I again, didnt manage to receive any bonus cashback. This card is almost ridiculous to use. Wanted to cancel and they told me, the currently accumulated cashback (which I STILL CANNOT REDEEM), will be gone if I cancel. What a useless card. Don't sign up unless the sign up gift is great.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 amount0
What are your thoughts?Posted 28 Nov 2022
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 bank0
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 anything0
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
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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:Â Minimum annual income of $30,000
- For foreigners:Â Minimum annual income of $42,000
Fees and Charges for Citi Cash Back Card
- Annual Principle Fee:Â $192.60
- Annual Supplementary Card fee:Â $96.30
- Fee Waiver:Â First year waived
- Interest-Free Period:Â 25 days
- Annual Interest Rate:Â At the prevailing effective interest rate of 26.90% p.a. subject to compounding
- Minimum monthly payment:Â 1% or $25, whichever is greater
- Late payment charge:Â 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:Â $15 or 6% of the amount withdrawn, whichever is greater
- Handling fee for dishonoured cheque/payment order:Â $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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