Citi Cash Back Card

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Key Features

  • Up to 8%
    Cash Back on Dining, Groceries & Petrol
  • S$80
    Total Cash Back Cap, per month
  • Up to 20.88% savings
    From Shell & Esso

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Buffet Promotion

  • With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more.

Shopping

  • 0.25% cashback on all retail spend

  • With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more

Dining
  • Dining transactions earn a base cashback rate of 0.25%.
  • Spend at least S$800 on your card per statement month to receive an additional 5.75% cashback on your dining transactions.
  • Eligible dining merchants include restaurants, fast food restaurants, caterers, and eating places worldwide.
  • You can also use Citi PayAll to earn and accumulate Citi Miles, Citi ThankYou PointsSM, or Cash Back when paying for big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities, and more.
Cash Back
  • You can earn a base cashback rate of 0.25% on all your retail purchases.
  • If you spend at least S$800 on your card per statement month, you can earn additional cashback rates of 5.75% on dining transactions and 7.75% on grocery and petrol transactions.
  • The maximum cashback you can earn is S$80 combined across all retail spend per statement month.
  • Exclusions for cashback apply, including bills and payments to educational, governmental, and financial institutions.
  • Your earned cashback will be automatically credited to your credit card statement once it reaches S$50. You can also monitor your cashback balance through the Citi Mobile App.
  • With Citi PayAll, you can quickly accumulate Citi Miles, Citi ThankYou PointsSM, or Cash Back when you pay your big-ticket bills, such as rent, insurance premiums, education expenses, taxes, utilities, and more.
Grocery
  • You will earn a base cashback rate of 0.25% on all grocery transactions.
  • If you spend at least S$800 on your card per statement month, an additional 7.75% cashback will be applied to your grocery transactions.
  • Eligible grocery merchants worldwide include grocery stores and supermarkets.
  • By using Citi PayAll, you can quickly earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay for big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities, and more.
Petrol
  • The base cashback rate for petrol transactions is 0.25%.
  • Spend at least S$800 on your card per statement month on petrol transactions to receive an additional 7.75% cashback.
  • Eligible petrol merchants include service stations and automated fuel dispensers worldwide.
  • Get up to 20.88% savings at Esso: 5% Esso site discount + 5% Esso Smiles discount + 4% Citi card discount + 8% cashback (on nett purchase after discounts).
  • Get up to 20.88% savings at Shell: 5% Shell site discount + 5% Shell Escape discount + 4% Citi card discount + 8% cashback (on nett purchase after discounts).
  • Use Citi PayAll to earn and accumulate Citi Miles, Citi ThankYou PointsSM, or cashback quickly when you pay big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities, and more.
Rewards
  • Use Citi PayAll to earn and accumulate Citi Miles, Citi ThankYou PointsSM, or cashback quickly when you pay big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities, and more.

Other Features

  • Enjoy up to 8% cash back worldwide on dining, groceries, and petrol
  • Save up to 20.88% at Esso and Shell
  • Get up to S$1,000,000 coverage when you charge your travel tickets to your card
  • Principal cardholder and 2 supplementary cards enjoy first-year fee waiver
  • Use Citi PayAll to earn and accumulate Citi Miles, Citi ThankYou PointsSM, or Cash Back when paying for big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more
  • The information provided was accurate at the time of publication. For the latest updates, please refer to Citibank (https://www.citibank.com.sg/gcb/credit_cards/credit-card.htm).
  • Please note that while we strive to keep our information accurate and up-to-date, it may differ from what you see on financial institution, service provider, or specific product sites. LOAPANDA will not be liable to compensate customers if the information is not as updated as our partner’s.

Eligibility

Singaporean/PR Minimum Income
  • S$30,000
Non-Singaporean Minimum Income
  • S$42,000

Fees and Charges

  • Annual Principal Fee: S$194.40
  • Supplementary Annual Fee: S$97.20
  • Fee Waiver: Available
  • Interest Free Period: 25 days
  • Annual Interest Rate: 26.90%
  • Late Payment Fees: Determined by credit card issuer
  • Minimum Monthly Repayment: 1% plus 1% of any outstanding unbilled instalment amounts plus interest charges plus late payment charge or S$50, whichever is higher
  • Foreign Currency Transaction Fee: 3.25%
  • Foreign Check Fee: N/A
  • Cash Advance Transaction Fee: 6% or $15, whichever is higher
  • Overlimit Fee: S$40

Review

By LOANPANDA

The Citi Cash Back Card offers up to 8% cashback on dining, groceries, and petrol. There is a cashback cap of S$80 per month, and additional savings can be obtained at Shell and Esso petrol stations. Cardholders can also earn 0.25% cashback on all retail spend and accumulate rewards quickly through Citi PayAll when paying for big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities, and more.

The minimum income requirement for Singaporean/PR is S$30,000 and S$42,000 for non-Singaporean. The annual principal fee is S$194.40, and the supplementary annual fee is S$97.20. The card offers an interest-free period of 25 days, and the annual interest rate is 26.50%. There is a foreign currency transaction fee of 3.25%.

FAQ

A credit card is a convenient tool for people to pay for purchases today, offering many perks and rewards that can add up to more savings for the cardholders.

While there are so many types of credit cards offering different features, you may wonder: How best to choose one that suits you?

Here’s a short guide LOANPANDA has compiled to help you understand the credit card requirements, interest rates and basic payment terms.

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