Up to 8%

Cash Back on Dining, Groceries & Petrol

^S$80

Total Cash Back Cap, per month

Up to 20.88% savings

at Shell & Esso

All Details

• Key Features

  • 8% cash back on groceries and petrol spend

  • 6% cash back on dining spend

  • 0.25% cash back on all other retail spend

  • 20.88% savings at Esso and Shell

  • Up to S$1,000,000 coverage when you charge your travel tickets to the card

  • 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

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Shopping

• 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

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

Petrol

Excellent

Best for: Petrol transactions at Esso and Shell

• 8% cash back on all petrol transactions

• Enjoy 8% cash back on petrol spend with minimum spend of S$800 in a statement month, total cash back is capped at S$80 combined across all retail spend per statement month

• Eligible petrol merchants include service stations, and automated fuel dispensers worldwide

• Esso Discount: 5% Esso station site discount + 5% Esso Smiles card discount + 4% Citi Card discount + 8% cash back (on nett purchase after discounts) = Total of 20.88% savings effectively

• Shell Discount: 5% Shell station site discount + 5% Shell GO discount + 4% Citi Card discount + 8% cash back (on nett purchase after discounts) = Total of 20.88% savings effectively

• 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

Grocery

Excellent

Supports all retail grocery stores

• 68% cash back on all grocery transactions

• Enjoy 8% cash back on grocery spend with minimum spend of S$800 in a statement month, total cash back is capped at S$80 combined across all retail spend per statement month

• Eligible grocery merchants include grocery stores and supermarkets worldwide

• 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

Excellent

Supports all restaurants, cafes and bars

• 6% cash back on all dining transactions

• Enjoy 6% cash back on dining spend with minimum spend of S$800 in a statement month, total cash back is capped at S$80 combined across all retail spend per statement month

• Eligible dining merchants include caterers, eating places, restaurants, and fast food restaurants worldwide

• 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

Cash Back

Excellent

• 8% cash back on groceries and petrol spend

• 6% cash back on dining spend

• 0.25% cash back on all other retail spend

• 20.88% savings at Esso and Shell

• The bonus cash back is accorded when there is minimum spend of S$800 in a statement month, total cash back is capped at S$80 combined across all retail spend per statement month

• Cashback earned will be accumulated and automatically credited to your credit card statement when it reaches S$50. You will also be able to track your cashback earned on the Citi Mobile App

Rewards

Very Good

• 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

Annual Interest Rate and Fees

Annual Principal Fee	S$194.40. Effective 1 January 2024, with the increase of the Goods and Services tax (“GST”) rate from 8% to 9%, fees will be revised to reflect the change in GST rate to 9%, as applicable.
Supplementary Annual Fee	S$97.20. Effective 1 January 2024, with the increase of the Goods and Services tax (“GST”) rate from 8% to 9%, fees will be revised to reflect the change in GST rate to 9%, as applicable.
Fee Waiver	Available
Interest Free Period	25 days
Annual Interest Rate	27.9%
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	8% or $15, whichever is higher
Overlimit Fee	S$40

Minimum Income Requirements

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

Documents Required

SG Citizens or PRs	Apply via MyInfo
Passport Validity (Foreigners)	6 months
Work Permit Validity (Foreigners)	6 months
Utility or Telephone Bill	With Full Name and Address
Income Tax Notice of Assessment
Latest Original Computerised Payslip

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