Why Trust MoneySmart?The Citi Cash Back Card is a Singapore-focused cashback credit card designed for those who spend regularly on dining, groceries, petrol and private transport. Its main appeal is the generous rebates you can unlock in these popular everyday spending categories.
Here’s a summary of key benefits of the Citi Cash Back Card in Singapore.
High cashback rates: Enjoy up to 8% cashback on petrol and private commute, and 6% on dining and groceries.
Total monthly cashback cap: Earn up to $80 cashback each statement month, across all eligible spend.
Minimum spend to unlock top rates: To qualify for the bonus cashback tiers, you must spend at least $800 in a statement month. If you don’t meet the minimum, all retail spend earns a base rate of 0.2%.
Automatic crediting: Cashback is automatically credited to your account monthly, with no action needed when you meet the criteria.
No expiry: Earned cashback does not expire, as long as the card account remains open and in good standing.
Additional perks: Includes access to Citi Gourmet Pleasures and Citi World Privileges for exclusive deals and offers
Key cashback categories and rates:
8% on petrol (including all major stations) and private commute (Grab, Gojek, Tada, taxis)
6% on dining (restaurants, cafes, fast food) and groceries (supermarkets)
0.2% on all other retail spending
If you prefer a simpler rewards structure, the Citi Cash Back+ Card offers a flat 1.6% cashback on all eligible spending, with no minimum spend required and no cap. This option appeals to those who prefer fuss-free, uncapped rewards over category optimisation.
