Up to 8%

Cash Back on Groceries, Petrol & Private Commute

^S$80

Total Cash Back Cap, per month

Up to 20.88% savings

at Shell & Esso

All Details

• Key Features

  • 8% cash back on petrol and private commute spend

  • 6% cash back on dining and groceries spend

  • 0.2% 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.

Petrol

Excellent

Best for: Petrol transactions at Esso and Shell

• Base cashback rate: 0.2% on all petrol transactions

• An additional 7.8% 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 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

• Base cashback rate: 0.2% on all grocery transactions

• An additional 5.8% 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

Dining

Excellent

Supports all restaurants, cafes and bars

• Base cashback rate: 0.2% on all dining transactions

• An additional 5.8% 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

Shopping

Excellent

• 0.2% 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

Buffet Promotion

Excellent

• 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

• Base cashback rate: 0.2% on all retail purchases

• An additional 5.8% cashback will be applied to your dining and groceries transactions if you spend at least S$800 on your card per statement month

• An additional 7.8% cashback will be applied to your private commute and petrol transactions if you spend at least S$800 on your card per statement month

• Total cash back is capped at S$80 combined across all retail spend per statement month

• 20.88% savings at Esso and Shell

• 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$196.20
Supplementary Annual Fee	S$98.10
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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