Citi Cash Back Card
Apply now and redeem any of these:
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MoneySmart Exclusive
Guaranteed S$380 Cash via PayNow
Guaranteed S$380 Cash via PayNow
FREE with SmartPoints
Apple 11-inch iPad Wi-Fi (A16, 2025, 128GB Silver)
6140 SmartPoints
worth S$499
Apple 11-inch iPad Wi-Fi (A16, 2025, 128GB Silver)
6140 SmartPoints
worth S$499
FREE with SmartPoints
Shopee Voucher $450
6075 SmartPoints
worth S$450
Shopee Voucher $450
6075 SmartPoints
worth S$450
FREE with SmartPoints
LEVEL8 Adventure Trolley Luggage Case (28-inch, Black)
5805 SmartPoints
worth S$829
LEVEL8 Adventure Trolley Luggage Case (28-inch, Black)
5805 SmartPoints
worth S$829
Only $86 with SmartPoints
Apple Watch Series 11, 42mm (GPS, Jet Black Aluminium Case with Black Sport Band)
6995 SmartPoints
worth S$599
Apple Watch Series 11, 42mm (GPS, Jet Black Aluminium Case with Black Sport Band)
6995 SmartPoints
worth S$599
Only $1173 with SmartPoints
Apple iPhone 17 Pro (256GB, Cosmic Orange)
17865 SmartPoints
worth S$1749
Apple iPhone 17 Pro (256GB, Cosmic Orange)
17865 SmartPoints
worth S$1749
View more rewards
View more rewards
Apply and spend S$500 within 30 days to choose your reward: S$380 Cash Reward or 6,140 SmartPoints (worth up to S$499 of Gifts).
PLUS, stand a chance to win a dream S$15,000 getaway holiday in our exclusive lucky draw! T&Cs apply
Valid till 16 Jun 2026
ARE YOU ELIGIBLE?
Apply for an eligible Citibank credit card during the promotion period from 10-June-2026 to 16-June-2026 via MoneySmart as main cardholder
Applicable for New-to Citibank Cardmembers only
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.
This Promotion is only valid for Citibank PremierMiles, Cashback+, Rewards, Cashback, SMRT and M1 credit cards.
Complete and submit the MoneySmart Claim Form with valid contact details and unique application number by 16 July 2026
WHAT YOU NEED TO KNOW
[MoneySmart Baseline Gift]
Meet the minimum S$500 spend within 30 days to unlock your choice of reward—S$380 Cash via PayNow or 6,140 SmartPoints for exciting products in the MoneySmart Rewards Store[MoneySmart S$15,000 Getaway Lucky Draw]
Grab an extra gift! Stand a chance to win a S$15,000 Dream Holiday to your desired destination when you apply and meet the spend criteria! T&Cs apply.*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.
Use Citi PayAll which allows you to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your rent, insurance premiums, education expenses, taxes, utilities and more.
MoneySmart Exclusive promotions do not stack with third-party promotions unless stated otherwise—check T&Cs for complete details.
Card Details
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.
Citi Cash Back Credit Card Benefits 2025
So whether you want to mitigate rising costs of living or simply maximise your savings, read on to learn why the Citi Cash Back Card is a popular choice among savvy and practical Singaporeans.
Customer Reviews on MoneySmart Credit Card Applications
Review by TJ. Hoo
"I had applied for 2 credit cards via MoneySmart so far, and their response has always been prompt. The process of getting the sign-up gift is also clear. I would definitely recommend going through them for credit card applications."
As seen on Google
Review by D. Ng
"Really great experience signing up for a credit card with them. The gift came faster than expected, would definitely sign for another credit card using this website again."
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Review by A. Koh
"Great experience by signing up for a credit card through MoneySmart. Redemption of gift is fast and smooth sailing. Am considering to sign up for another credit card as I am currently reviewing my own financial expenses. Good job, guys!"
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Pros & Cons of Citi Cash Back Card
Pros ✅
Cons ❌
Find out more about the Citi Cash Back Card here!
Comparison: Citi Cash Back Card vs OCBC 365 Card vs HSBC Live+ Card
| Feature | Citi Cash Back Card | OCBC 365 Card | HSBC Live+ Card |
|---|---|---|---|
| Interest Rate | 27.9% p.a. | 27.78% p.a. | 27.8% p.a. |
| Annual Fee | $196.20 (First year waived) | $196.20 (First 2 years waived) | $196.20 (First year waived) |
| Min. Annual Income (Singaporeans/PR) | $30,000 | $30,000 | $30,000 |
| Min. Annual Income (Foreigners) | $42,000 | $45,000 | $60,000 |
| Cashback (Petrol) | 8% worldwide + up to 23.64% fuel savings at Caltex, Esso, Shell | 6% | 5% at Caltex & Shell |
| Cashback (Dining) | 6% worldwide | 5% worldwide incl. food delivery | 8% |
| Cashback (Groceries) | 6% worldwide | 3% | N/A |
| Cashback (Others) | 0.2% on all other spend | 0.25% on all other spend | 0.3% on all other spend |
| Additional Benefits | Up to S$1 million complimentary travel insurance | 2-year fee waiver; cashback cap option (S$80 or S$160) | 15% off dining, 1-for-1 deals via ENTERTAINER |
Out of the 3 cashback cards, the Citi Cash Back Card objectively ranks as the top contender in terms of maximising cashback on essentials–specifically, its worldwide cashback offering. It provides up to 8% worldwide cashback on private commute and petrol, as well as up to 6% worldwide cashback on dining and groceries. This card isn’t just going international with its global cashback, but with its up to S$1 million complimentary travel insurance too when you charge your travel tickets to the card.
Brand loyalty aside, be rewarded up to 23.64% in fuel savings at Caltex, Esso, and Shell branches (inclusive of the 8% cashback) when you pump petrol at any of their kiosks.
And although the HSBC Live+ Card also offers up to 8% cashback on dining, shopping, and entertainment, these categories have a greater lifestyle focus rather than on everyday purchases like petrol or groceries.
Meanwhile, while the OCBC 365 Card is an excellent cashback card for daily expenses too, its lower cashback rates on certain categories like dining (5%) and groceries (3%) despite maintaining the same $800 (or $1,600) monthly spend requirement is a caveat.
Can’t Get Enough of Cashback?
Explore other cashback credit cards with us, here on MoneySmart.
How to Apply for the Citi Cash Back Card?
Apply for the Citi Cash Back Card via MoneySmart
Begin applying for the Citi Cash Back credit card by clicking on the “Apply Now” button on this page.
When you choose to apply online or through the Citi Mobile®️app and via SingPass MyInfo, HSBC will pull your identity and income data from SingPass (which is already verified), thus cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.
Provide all necessary documents
You’ll need to provide all the necessary documentation in order for HSBC to approve your credit card application. This list of documents include:
Please refer to Citibank’s official website for more details.
Receive your Citi Cash Back Credit Card
You’ll be able to activate your Citi Cash Back Card instantly through the Citi Mobile®️ app.
Alternatively, you may also log into your Citibank Online account to activate your credit card. Simply navigate to “Services” > “My Profile” and follow the instruction prompts.
Upon completion, a confirmation SMS will be sent to your registered mobile phone number, and you’ll be able to start using your new Citi Cash Back Card immediately.
Frequently Asked Questions About Citi Cash Back Card
Are there any fees if I apply for the Citi Cash Back Card?
- The Citi Cash Back Card charges an initial annual fee of $196.20 (with first-year waiver available), and other fees like supplementary card annual fee, late payment fee, minimum monthly payment, foreign currency transaction fee, cash advance transaction fee, overlimit fee.
Am I eligible for the Citi Cash Back Card?
- If you’re a Singapore Citizen, Permanent Resident (PR) or foreigner with a valid Singapore Employment Pass, you’re eligible to apply for the Citi Cash Back Card, as long as you’re aged 21 and above, and earn a minimum annual income of $30,000 (for Singaporeans and PRs) or $42,000 (for foreigners).
Does Citi cash back expire?
- No, the cash back you earn from your Citi Cash Back Card does not expire.
How to redeem my Citi cash back?
- Cash back earned from the Citi Cash Back Card is automatically credited to your Citi Cash Back Card’s account.
To use the Citi cash back, redeem it for cash rebate (in multiples of $10) before the end of each month’s billing cycle/statement.
Do note that you must accumulate a minimum of $50 cash back before the billing cycle date for the cash back to be credited to your statement. Cash back amounts below $50 or not in multiples of $10 will be rolled over and included in the next month’s cash back calculation instead. How to check my Citi cash back amount earned each month?
- You can check your monthly Citi cash back amount under “TOTAL AVAILABLE” or simply check the top of your dashboard after logging into the Citi Mobile®️ app.
Can I pay outstanding credit card bills if my Citi Cash Back Card is deactivated?
- Yes, you can still pay the credit card bill to your Citi card’s account.
Check out the Citi Cash Back+ Card here!
Citi Cash Back+ Card is a straightforward credit card with unlimited cash rebates, no minimum spend, and a flat 1.6% cashback rate on purchases across all online shopping and lifestyle categories. Cashback earned will show up on your bank statement, so you can easily keep track and redeem them to offset your card balance via SMS.