Citi Cash Back Card
Apply now and redeem any of these:
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MoneySmart Exclusive
$420 Cash (first 200 customers) / $400 Cash (remaining customers)
$420 Cash (first 200 customers) / $400 Cash (remaining customers)
FREE with SmartPoints
Sony WH-1000XM6 Wireless Noise Cancelling Headphones (Black)
6140 SmartPoints
worth S$649
Sony WH-1000XM6 Wireless Noise Cancelling Headphones (Black)
6140 SmartPoints
worth S$649
Save S$614 with SmartPoints earned
Apple iPhone 18 Pro (256GB, Burgundy)
19490 SmartPoints
worth S$1899
Apple iPhone 18 Pro (256GB, Burgundy)
19490 SmartPoints
worth S$1899
FREE with SmartPoints
Apple AirPods Pro 3
3900 SmartPoints
worth S$349
Apple AirPods Pro 3
3900 SmartPoints
worth S$349
Only S$145 with SmartPoints
Apple Watch Series 12, 42mm (GPS, Black Aluminium Case with Black Sport Band)
7585 SmartPoints
worth S$599
Apple Watch Series 12, 42mm (GPS, Black Aluminium Case with Black Sport Band)
7585 SmartPoints
worth S$599
MoneySmart Exclusive
S$500 Amazon.sg Gift Card (first 200 customers) / 6,140 SmartPoints (remaining customers)
S$500 Amazon.sg Gift Card (first 200 customers) / 6,140 SmartPoints (remaining customers)
View more rewards
View more rewards
First 200 to submit the claim form and meet the S$500 spend within 30 days to enjoy S$420 CASH or a S$500 Amazon.sg Gift Card
Or still grab S$400 Cash or 6,140 SmartPoints (use SmartPoints earned to redeem the latest Apple products on our Rewards Store) if you come after. T&Cs apply.
Valid till 09 Nov 2026
ARE YOU ELIGIBLE?
MoneySmart Promotion is valid from 01 November 2026 to 09 November 2026
Apply as main "New-to Citibank" cardholder for an eligible Citibank Credit Card via MoneySmart within the qualifying period
Activate the approved Eligible Card via the Citi Mobile App and spend a minimum of S$500 which falls under “Qualifying Spend” within a 30-day period inclusive of account approval date.
Complete and submit the MoneySmart Claim Form with valid contact details and Unique Reference Number (URN) by 9th December 2026
WHAT YOU NEED TO KNOW
[MoneySmart Baseline Gift]
Meet the minimum S$500 spend within 30 days to unlock your choice of reward
First 200 customers to submit the claim form:
—S$420 CASH or $500 Amazon.sg Gift Card[MoneySmart Baseline Gift]
Meet the minimum S$500 spend within 30 days & the 201th customers to submit the claim form:
—S$400 Cash via PayNow or 6,140 SmartPoints for exciting products in the MoneySmart Rewards Store*Faster Rewards Redemption: Reward fulfillment happens as fast as 5 weeks from meeting spend criteria, and is processed on a rolling basis, so the sooner you spend, the sooner you receive your reward.
Use the SmartPoints earned to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Enjoy flexible redemption and get the rewards you want!
SmartPoints will be credited into your points wallet, with a validity period of 1 year. You can choose to redeem any reward, or accumulate your points for future redemptions.
MoneySmart Exclusive promotions do not stack with third-party promotions unless stated otherwise—check T&Cs for complete details.
Card Details
Good For
Drivers and regular ride-hailing users, with 8% cash back on petrol and private commute worldwide.
Households with steady dining and grocery spend, which earn 6% cash back.
Anyone who fills up at Caltex, Shell or Esso, where pump discounts stack on top of the card rate.
Things To Note
Bonus rates need a minimum S$800 of qualifying retail spend in a statement month. Fall short and all retail spend earns 0.2%.
Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.
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Citi Cash Back Card: Up to 8% Cashback on Petrol, Dining and Groceries
The Citi Cash Back Card is a Citibank Singapore Mastercard that rewards spending in four everyday categories, worldwide. Once you spend at least $800 in a statement month, you earn:
- Up to 8% cashback on petrol and private commute
- Up to 6% cashback on dining and groceries
- 0.2% cashback on other retail spend
Total cashback, including both bonus and base rate, is capped at $80 a month. The card also offers up to 23.64% fuel savings at Caltex, Esso and Shell, inclusive of the 8% cashback, and up to $1,000,000 travel accident cover on travel tickets charged to it.
If your spending is more varied, the Citi Cash Back+ Card pays a flat 1.6% with no minimum spend or cap.
How to Earn and Redeem Citi Cash Back Card Cashback
You earn bonus cashback in four categories (with minimum $800 monthly spend) and 0.2% on other retail spend. Whether a transaction qualifies depends on its merchant category code (MCC), the code banks use to classify a merchant, not just on what it sells.
Hence, assuming $800 eligible monthly spend:
Spend category | Cashback rate | Cashback earned | Eligible MCCs |
Petrol | 8% | $64 | Service stations and automated fuel dispensers (MCC 5541, 5542), worldwide |
Private commute | 8% | $64 | Taxis and private-hire rides (MCC 4121), such as Grab, Gojek, ComfortDelGro/CityCab, TADA and Ryde |
Dining | 6% | $48 | Caterers, restaurants and fast food (MCC 5811, 5812, 5814), worldwide |
Groceries | 6% | $48 | Grocery stores and supermarkets (MCC 5411), worldwide |
All other retail spend | 0.2% | $1.60 | Qualifying retail spend outside the four categories |
Total cashback, including the 0.2% base rate, is capped at $80 per statement month across all categories. Once you hit the cap, further spend also won’t continue earning cashback that month.
Citi Cash Back exclusions: What doesn’t earn cashback
Citibank's rewards exclusion list includes:
- Government services, such as taxes and fines.
- Insurance premiums, education institutions, utilities, hospitals, charitable organisations, and betting or gambling.
- Stored-value and quasi-cash transactions, such as wallet top-ups (e.g. YouTrip) and money transfers.
- AXS payments, bus and MRT fares (SimplyGo, EZ-Link, TransitLink), parking, and rentals paid via real estate agents.
- Bill payments through Citi PayAll.
Excluded transactions don't count towards the $800 minimum. Citi can update this list, so check the latest terms before you apply.
How to redeem Citi Cash Back cashback
You don't need to redeem cashback manually:
- Cashback is credited automatically to your statement at your billing cycle date once you accumulate at least $50, in multiples of $10.
- Any amount below $50, or above the last $10 multiple, rolls over to the next month.
- Cashback earned on supplementary cards rolls over to the main card.
- Cashback has no expiry date.
Citi Cash Back Card Eligibility Criteria
Singaporeans and PRs can apply with Singpass Myinfo instead of submitting the documents below.
Requirement | Singapore Citizens / PRs | Foreigners |
Minimum age | 21 | 21 |
Minimum annual income | $30,000 | $42,000 |
Identity documents | NRIC or passport | Passport and work permit (at least 6 months' validity) |
Documents required | Salaried: Latest computerised payslip or Income Tax Notice of Assessment. Self-employed: Last 2 years' Income Tax Notice of Assessment | Income Tax Notice of Assessment and latest computerised payslip |
Proof of address | — | Utility or telephone bill showing your name and address |
Citi Cash Back Card Annual Fee, Interest Rate and Other Charges
Here are the key fees and charges for the card.
Fee or charge | Amount |
Annual fee (Principal card) | $196.20 (First year waived) |
Annual fee (Supplementary card) | $98.10 per card (First year waived) |
Foreign currency transaction (FX) fee | Up to 3.25% |
Interest on carried balances | 27.9% p.a., with a 25-day interest-free period |
Overlimit fee | $40 when your balance exceeds your credit limit |
Late payment fee | $100 |
Cash advance fee | 8% or $15, whichever is higher |
Minimum monthly repayment | 1% of the balance plus 1% of unbilled instalments, interest and late charges, or $50, whichever is higher |
Carrying a balance at 27.9% p.a. quickly outweighs the $80 monthly cashback cap, so pay your statement in full each month.
Comparison: Citi Cash Back vs Citi Cash Back+ and Other Cashback Cards
Here’s how the Citi Cash Back Card stacks up against the Citi Cash Back+ and other cashback cards in Singapore:
Credit card | Bonus cashback & cap | Minimum spend | Annual fee | ⭐ Best for |
Citi Cash Back Card | 8% cashback on petrol and private commute 6% cashback on dining and groceries Capped at $80 cashback per month | $800 per statement month | $196.20 (First year waived) | Drivers and ride-hailers with steady dining and grocery spend |
Unlimited 1.6% cashback on almost all categories No cashback cap | None | $196.20 (First year waived) | Varied or big-ticket spending | |
6% cashback on petrol 5% cashback on dining 3% cashback on groceries, land transport, telco and electricity bills, streaming, EV charging and Watsons Capped at $80 cashback a month, or $160 with $1,600 spend | $800 a month | $196.20 (First 2 year waived) | Families paying for daily essentials and recurring bills | |
6% cashback on 5 of 10 categories you choose, including automotive (petrol), commute, dining and groceries 8% cashback with $1,600 spend, except groceries Capped at $20 cashback per category per month, or $30 with $1,600 spend | $800 a month | $196.20 (First 3 years waived) | Households that want to pick their own bonus categories | |
Up to 3.33% cashback on retail spend, plus extra cashback at Grab, SimplyGo, McDonald's and Shopee (up to 10% in total) and on groceries Capped at $60, 100, or $200 cashback per quarter on retail spend; extra cashback capped separately | $600, $1,000 or $2,000 every month of the quarter, with at least 10 purchases a month | $196.20 (First year waived) | Consistent spenders who can hit the same tier every month | |
Up to 15% on 1 preferred category, or a flat 1.5% on local spend with no minimum or cap Capped at $250 cashback per quarter | $2,000 a month for 3 consecutive months for the top bonus rate | None | Avoid annual and FX fees |
Citi Cash Back pays the highest rate on petrol and private commute at the $800 minimum. OCBC 365's cap rises to $160 with $1,600 spend, Maybank Family & Friends caps each of your five categories separately, and Trust Freedom has no annual fee.
How to Apply For Citi Cash Back Card on MoneySmart
Applying via MoneySmart takes five steps.
Step | What to do |
1. Compare Citi Cash Back on MoneySmart | Compare the Citi Cash Back Card with other cashback cards on MoneySmart. |
2. Apply with Singpass | Press Apply Now on the Citi Cash Back Card listing and log in with Singpass. MyInfo pre-fills your application, and supporting documents are waived if you're eligible. Citi says the application takes about 10 minutes, with instant verification if you're eligible. |
3. Submit documents if needed | If you don't apply with MyInfo, upload the documents listed under eligibility above. Missing documents or incomplete details can slow down processing. |
4. Wait for approval | Citibank Singapore reviews your application and may contact you if it needs more information. Citi says online applications typically take up to 6 working days, and it emails you a link to check your application status. |
5. Activate | Once approved, activate your card in the Citi Mobile App, where you can also track the cashback you've earned. |
Customer Reviews on MoneySmart Credit Card Applications
Review by TJ. Hoo
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Can’t Get Enough of Cashback?
Explore other cashback credit cards with us, here on MoneySmart.
FAQs About the Citi Cash Back Card
How does the Citi Cash Back Card work?
It pays up to 8% cashback on selected categories once you spend at least $800 in a statement month. You earn 8% on petrol and private commute, 6% on dining and groceries, and 0.2% on other retail spend. Total cashback is capped at $80 per statement month. Below $800, all qualifying spend earns 0.2%.
What are the Citi Cash Back Card benefits?
The Citi Cash Back Card pays up to 8% bonus cashback on everyday categories (like dining, petrol, private commute, and groceries) with minimum $800 monthly spend, and 0.2% cashback on all other spend. Beyond that, it also offers:
- Up to 23.64% fuel savings at Caltex, Esso and Shell, inclusive of the 8% cashback
- Bonus categories that apply worldwide, not just in Singapore
- Travel accident cover of up to $1,000,000 when you charge your travel tickets to the card
- Supports Apple Pay, Google Pay and Samsung Pay
How do I redeem Citi Cash Back cashback?
You don't need to redeem it. Citibank credits your cashback to your statement automatically:
- When: at your billing cycle date, once you have at least $50
- How much: in multiples of $10, with the rest rolling over
- Tracking: see your cashback earned in the Citi Mobile App
Your cashback never expires.
What is the Citi Cash Back Card annual fee?
The annual fee is $196.20 a year, including 9% GST, and Citibank waives it in the first year. Supplementary cards cost $98.10 a year each, with the same first-year waiver.
What is the difference between Citi Cash Back and Citi Cash Back+?
Citi Cash Back+ pays a flat 1.6% with no minimum spend or cap, while Citi Cash Back pays up to 8% in four categories once you spend $800 a month. Citi Cash Back usually earns more if you reliably hit that minimum; Citi Cash Back+ suits varied or big-ticket spending.
What is the Citi Cash Back Card foreign transaction fee?
Citibank charges an admin fee of up to 3.25% on foreign currency transactions. Because the bonus categories apply worldwide, overseas petrol, private commute, dining and groceries still earn 6% or 8%, more than the fee. Other overseas spend earns only 0.2%, so the fee outweighs the cashback. If you want to avoid FX fees, check out our best credit cards for overseas spending with lower fees comparison page.
Is the Citi Cash Back Card worth it?
It's worth it if you spend at least $800 a month, mostly on petrol, private commute, dining and groceries. For example, $800 on petrol and private commute earns $64, and $1,000 reaches the $80 monthly cap. If your spend is lower or spread across other categories, a flat-rate card usually earns more.