Citi Cash Back Card
- 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
Quick Facts
Get the maximum value by
Spending at least S$800 total per month to get maximum cash back
Good for
Individuals who mostly spend on dining, groceries, and petrol, and are in the habit of tracking their expenditure closely
Categories to maximise this card
Groceries, Petrol, and Dining
What people use it for
Daily household expenditure
Get if
You spend in these 3 categories consistently, totalling to at least S$800 per month
All Details
Up to 8% cash back on dining, groceries, petrol worldwide
20.88% savings at Esso and Shell
Up to S$1,000,000 coverage when you charge your travel tickets to card
First year fee waived for principal cardholder and 2 supplementary cards
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
Information is accurate at time of publish. Please refer to Citibank (https://www.citibank.com.sg/gcb/credit_cards/credit-card.htm) for the latest updates.
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.
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
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
Best for: Petrol transactions at Esso and Shell
Base cashback rate: 0.25% on all petrol transactions
An additional 7.75% cashback will be applied to your petrol transactions if you spend at least S$800 on your card per statement month
Eligible petrol merchants include service stations, and automated fuel dispensers worldwide
Esso: 5% Esso site discount + 5% Esso Smiles discount + 4% Citi card discount + 8% cashback (on nett purchase after discounts) = Total of 20.88% savings effectively
Shell: 5% Shell site discount + 5% Shell Escape discount + 4% Citi card discount + 8% cashback (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
Supports all retail grocery stores
Base cashback rate: 0.25% on all grocery transactions
An additional 7.75% cashback will be applied to your grocery transactions if you spend at least S$800 on your card 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
Supports all restaurants, cafes and bars
Base cashback rate: 0.25% on all dining transactions
An additional 5.75% cashback will be applied to your dining transactions if you spend at least S$800 on your card 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
Base cashback rate: 0.25% on all retail purchases
An additional 5.75% cash back will be applied to your dining transactions, additional 7.75% cash back will be applied to your grocery and petrol transactions if you spend at least S$800 on your card per statement month
Total cash back earn will be capped at S$80 combined across all retail spend per statement month
General exclusions such as bills, payments to educational, governmental, and financial institutions apply
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
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
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 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 Singaporean/PR Minimum Income S$30,000 Non-Singaporean Minimum Income S$42,000 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 Mastercard MasterCard PayPass Apple Pay Samsung Pay Google Pay Citi Pay MoneySmart Exclusive Online Promotion
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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