Citi Cash Back

Citi Cash Back

3.1
(6)
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Ratings Breakdown (6)

3.1
  • 5
    2
  • 4
    0
  • 3
    2
  • 2
    1
  • 1
    1
Card NameCITI Cashback Card
Cashback Rate8%
Monthly Cashback Cap$25 per category of rides/dining/groceries/petrol
Monthly Min Spend$888
HighlightsDining, Groceries, Petrol
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  • Chris Chin
    Chris Chin
    Level 3. Wonderkid
    Reviewed on 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.
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  • Tian Hui
    Tian Hui
    Level 3. Wonderkid
    Reviewed on 30 May 2018
    Charged for ‘currency conversion’ which I do not experience with other banks, and insist they are valid charges. Will avoid Citibank to prevent any other sneaky charges. =/
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  • Joseph Sng
    Joseph Sng
    Level 3. Wonderkid
    Reviewed on 27 May 2018
    Would have given it 1 Star, but decided not to be so bad. Charges me interest every month despite me paying up the full sum. I'm guessing these monthly interest was incurred due to leadtime of asking them to rectify the previous error. Bad customer service, everything is via online, making it difficult for me to commute when problems arises. Send a few emails through my account asking them to call back, but received none. Instead, got tons of calls from their marketing dept promiting their loans n other services 😑 For the cashback, was told we need to accumate 50 points before we can redeem it out. Have been using it very frequent, but the cashback % was so low that i am only reaching 30 points. Not a good system imo.👎 There are better cashback cards out there. Get those instead
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  • Cedric Cai QuanCai
    Cedric Cai QuanCai
    Level 3. Wonderkid
    Reviewed on 27 May 2018
    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.
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  • Ai Chung
    Ai Chung
    Level 3. Wonderkid
    Reviewed on 23 May 2018
    I use this card on Apple Pay only as it offer 5% cash back. Occasionally, Citibank will offer additional discount or free goodie at fair like Natas, Philips sales etc.
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  • Ang Teck Yew
    Ang Teck Yew
    Level 2. Rookie
    Reviewed on 23 May 2018
    An average card. Not very generous with their points, but there are a huge variety of merchants available. Not sure if other banks, but the app for Citibank is pretty good. They also allow you to offset certain transactions made with your points available immediately!
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Fees and Charges for Citi Cash Back Card

  • Annual Principle Fee: $193
  • Annual Supplementary Card fee: $96.30
  • Fee waiver: Available
  • Interest-Free Period: 25 days
  • Annual Interest Rate: 26.90%
  • Minimum monthly payment: 1% or $50, whichever higher
  • Late payment charge: $100
  • Cash advance fee: 6% or $15, whichever higher
  • Overlimit fee: $40

Eligibility for Citi Cash Back Card

  • Age 21 and older
  • Singaporeans and PR; Minimum annual income of  $30,000
  • Foreigners; Minimum annual income of $42,000

Key features of Citi Cash Back Card

  • Up to $120 cash back for new Citi cardmembers
  • Cash back is capped at $25/month per category, with a minimum spend of $888/month
  • Up to 20.88% savings at Esso and Shell, with 8% cash back at other petrol stations
  • First year annual principle fee waived for principle and two supplementary cards
  • 7.75% bonus cash back on dining and groceries
  • 0.25% bases cash back on all retail purchases, no cap

Terms and conditions of Citi Cash Back Card

  • Spend a minimum of $888 in a month to enjoy bonus cash back
  • Click here for full Citi Cash Back T&Cs.

 

For more info, you can check out Citi Cash Back Card’s page here.